BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Thursday XX/XX/23 I received an email from Chime stating all three of accounts were being closed immediately. My checking, savings and credit accounts. This is after my paycheck ws deposited. I called the number provided and was told they could not help me because it was a decision from XXXX. They also could not provide me with a phone number. I was told they only do email correspondence. So I have been doing that, but no one has been able to provide me with the reason my accounts were closed and now I must wait 30 days to get my money mailed to me in a check form. I also have no way of knowing what my balances are since I can not get into the system. 
The last email I sent was at XXXX XXXX and has gone unanswered. 
I have been banking with Chime for years and only had one other minor hiccup that they fixed immediately. This though is unexcusable. I work for a government agency and my direct deposits come from that so I do not know how something like this can happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to formally dispute a hard inquiry that has surfaced on my credit report, under your company 's name, which I believe to be unauthorized. Upon careful review of my credit report, I observed an inquiry dated XX/XX/2023 attributed to TRUIST. 

I would like to emphasize that I did not provide authorization for this inquiry, and I am seeking your immediate assistance in conducting a thorough investigation to rectify this matter. The unauthorized inquiry is impacting my credit score adversely, and I am concerned about its inaccurate reflection on my creditworthiness. 

Details of the unauthorized hard inquiry : Company : TRUIST Date : XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX you furnished alleged transaction ( s ) on my Experian and XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law!

I am requesting under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

Do not reply to me stating that you are furnishing accurate information because we both know you are not. 

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. 

You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction ( s ) you have listed as late : XXXX ACCT  # XXXX Without Recourse UCC 1-308

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The creditor reported my payments late in XXXX and XXXX. The creditor was having system issues which did not allow them to report any payment history to the credit bureau since XX/XX/2022. I also would have issues paying my account online that I had to call in and pay my bill with a representative. The representative waived XXXX dollars of late fee due to their system issues and I paid my balance down to XXXX dollars. I don't feel I should be penalized for their system errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I used online billpay service with Bank of America. 

Using the online system, I authorized a check to be mailed to a contractor for {$480.00}. The check was wrongly/illegally cashed at a Bank of America institution by someone else. On XX/XX/2023 I notified Bank of America about this mistake they made. I have messaged Bank of America multiple times and gone into a XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX XXXX, CA ) multiple times. I am yet to have the {$480.00} returned to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/ I reached out to The CRA about an address that needs to be removed and blocked on my credit report as a victim of identity theft, they stated the address was removed Today when I pulled my report the address is still there Please block and delete the following address from my report : I am not affiliated with this address and I am a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please see my attached FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Everest Receivable Services Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am hospitalized with a serious XXXX XXXX XXXX XXXX contacts me 20 times a day repeatly for the three cards I have with them. They called my work and my son. I told them the situation numerous times and they call back 10 minutes later. The phone calls are coming from various XXXX illegal locations. The dept collector is Everest receivable services. XXXX XXXX. I am on XXXX due to this XXXX XXXX. I ask that they stop calling my employer family and me. I know about the debt there is nothing I can do about it right now. XXXX XXXX. And various

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dispute of Inaccurate Information on Credit Report I am writing to dispute certain information in my credit file that I have determined is inaccurate. The items I am disputing are also circled on the attached copy of the credit report I received. 

This letter is a formal complaint that you are reporting inaccurate and/or incomplete credit information on my credit file. I am very distressed that you have included the below information in my credit profile that includes the following error ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX  US DEPT . OF EDUCATIO According to the Fair Credit Reporting Act, you are required to investigate and remove inaccurate or unverifiable information from my credit report if it is found to be inaccurate or can no longer be verified. 

Please investigate these matters and correct the disputed items as soon as possible. I request that you send me a corrected version of my credit report upon resolution of these issues. 

Please let me know if you need any further information or documentation to assist in the resolution of this dispute. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please Remove this account immediately off of my report. You are reporting inaccurate information which is a clear violation of the law. 15 usc 1681e ( b ) states- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates below I have attached my credit report and evidence of your inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
While being in my bank account information i saw a different address where i do not live nor is it my mailing address I left it alone. A few days ago i get my credit score and i see that it went down a good amount i pay in time and have not had any problems what so ever until i see that i have XXXX hard inquiries and thats why it went down. I would like this inquiries away because I didnt start any applications and havent opened XXXX. This will not allow to get a mortgage and im looking into this but with the inquiries still there it wont be much of a help. I have already reported to identify theft. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have been disputed information on my credit report with Experian for the past 2 years. Every dispute after submitting a copy of my Driver 's license, SSN and address verification. Experian continue to send me a letter to verified my identity and insisting that the address on my credit report is actually a new address that need to be verify. This company is using tactics to prolong the matter as long as possible with rectifying and reporting accurate information. I need information that you have to continue insisting in reporting accurate information compare to XXXX and XXXX. 
I have attached the letter they keep sending me whenever I placed a dispute for the past 2 years, and then after 30 days another letter is sent that information was verified which is incorrect and accurate because no investigation is perform. All reporting agencies obligation are to report verified and accurate information but Experian continue to insist on reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company XXXX XXXX continues to report inaccurate information to the credit bureau along with Experian continues to lie an manipulate several closed accounts to like it's a new charge off. This company also have never sent me a 1099 file since they said they written the debt off that ain't been updates since 2018. They said that they have verified this account over an over again which is a FCRA violation. I have proof in the description down below to prove how Experian continues to disregard and manipulate my credit report with inaccurate ans false information.

There are 4 accounts that I'm speaking of with the same problems and this has been going on for 7 years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Zions Debt Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/2023 I was I notified by my Identity Theft protection company that there was an alert placed on my Transaction credit report attempting to collect a debt. This company never notified me by mail of this debt. I am not sure how this company obtained my personal credit information not to mention my name or social security number. I have never heard of this company nor have I ever done business with this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I Currently have a total of 5 accounts and three inquiries appearring on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my deep frustration and dismay regarding your continuous denial of my legitimate identity theft claim. Despite providing clear evidence, including a Federal Trade Commission ( FTC ) Identity Theft Report ( Report # XXXX ) and a police report from the XXXX XXXX Police Department ( Report # XXXX ), you persist in violating my rights by refusing to acknowledge and address the fraudulent accounts on my credit report. It has been over a year since I initiated this dispute, and the fact that it remains unresolved is not only unacceptable but also a direct violation of multiple laws governing consumer rights and fair credit reporting. I am left with no choice but to bring this matter to your attention and issue a final warning before pursuing legal action. Your refusal to take appropriate action not only disregards the evidence I have presented but also demonstrates a willful violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand, in no uncertain terms, that you promptly and thoroughly investigate my identity theft claim and take immediate steps to delete the fraudulent accounts from my credit report. Accounts : XXXX XXXX  XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I wrote to you requesting an investigation into items that I believe were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have no complied with my request. I regret that I am being forced to take such action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: Freedom Mortgage Company
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Freedom Mortgage Corporation charged me {$110.00} in late fees when I have not missed any payments. They did not provide me with any late fee notifications or let me know they were charging me fees. My loan payment was paid regularly on the XXXX and XXXX each month as was set up by their auto pay system that they strongly encouraged. I filed a form and an online request that Freedom Mortgage picked the dates of the XXXX and the XXXX for payments. Now, they are stating my payment of the XXXX is late but I was only notified today on XX/XX/2023 rather than months ago when the auto pay was set up in XXXX. I can not believe they will not waive the fees as they never sent me any correspondence or statements showing a late fee until today I was sent a vague email to log on. In talking to customer service they said they would escalate it and never did. They never sent me any information or provided any reasoning of why their auto pay was causing me late fees. There are not late fees shown in my history attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had many issues with Huntington bank. I was treated disrespectfully. I was told my account was being closed because I made to many claims. This is the worst banking experience in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Pay pal took money out of my checking account on an unauthorized transaction. Now they are unwilling to refund it. Their mistake has cost me {$100.00} I want my money back and the money I lost. I have an email from Paypal stating this was unauthorized This happened on XX/XX/XXXX and they claim the money was refunded on XX/XX/2023 and that my bank is the hold up. I have contacted my bank and no refund is seen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief