BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Kohls XXXX XXXX XXXX XXXX, WI XXXX. I have disputed this item with kohls for the past 6 years. They charged this account off XX/XX/2015 with a balance of XXXX. Everything month they a reporting It as a charge off and to my knowledge c/o accounts should have no active payment reporting. I have Requested for this to be stop but they have denied. This has/ is negatively impacting my credit and Im requesting deletion of this trade line from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to 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 non-monetary relief
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, 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 : The collections and companies have violated my rights : XX/XX/XXXX : Account # : XXXXXX/XX/XXXXXXXX,XX/XX/XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021, I received in the mail a debit card registered to my name with account information ( account number and routing number ) from ChimeXXXXXXXX XXXX Bank XXXX I did not open an account with Chime and had never heard of this bank. 

I immediately called XXXX, the number listed on the card to inquire about this account and spoke to " XXXX, '' who started taking notes without asking me the account number or any other information about the letter, rather he insisted that I provide the last four digits of my social security number. 

I provided my email address, my name and offered to provide the account and debit card number but he refused the account information and insisted on knowing the last four digits of my social security number. I insisted that at least take the account number so that he could block the account from any fraud incurring on it, however he said he can not do that. I asked for a manager, and he said that he is the supervisor and that is the highest level a customer can be provided on the phone. He also mentioned that he is stationed overseas and can not transfer me to U.S. support or anyone who can close the account. Rather, he notified me that Chime would contact me via email to respond to my inquiry and did not close the fraudulent account as I had requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
According To XXXX XXXX XXXX XXXX XXXX XXXX Is The Original Note Holder But The Public Record And The Chain Of Title Do Not Show That. I Need The CFPB To Demand A Response From XXXX XXXX  And Report This Case To The OCC And The F.B.I Field Office In XXXX FL.For Criminal indictments Do To The Fraudulent Activity In My Case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to get in touch with Experian and talk to a human so that I can resolve a complicated issue regarding my credit freeze. However, after many hours, I am still stuck in the automated phone system.

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 2019-02-20
Company: Bonneville Billing and Collections
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection appeared on my XXXX report, I mailed a letter requesting Bonneville Collections to validate this information and my request is being ignored. From my understanding of the law this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had XXXX XXXX on XXXX XXXX, XXXX and was unable to work for a few months. I returned to work XXXX XXXX, XXXX. In the meantime I was waiting for my short term XXXX to pay for the time I was scheduled off due to my XXXX approved XXXX. I finally received my payment on XXXX XXXX, XXXX. I am the sole provider to my household and fell XXXX months behind on my mortgage payment. On XXXX XXXX (? ), I contacted my mortgage company, Chase Home Finance and informed them that I was receiving my back pay and would like to schedule my payment to bring my account up to date. I scheduled {$2100.00} to debit from my XXXX XXXX XXXX XXXX XXXX account ( XXXX ) on XXXX XXXX when I can be assured the funds would be available. I waited for the payment to post which never happened. On XXXX XXXX, I checked my account on chase.com to see the payment was reversed. I immediately paid the payment in full through XXXX XXXX  who charged me {$89.00} for fear that I would lose my home. I contacted XXXX who said the payment did not process due to an " error '' and that I was still going to have a late payment sent to the credit bureaus. This is not fair. The money was in my account, it is not my fault Chase 's computer systemed errored my payment, I had to pay XXXX XXXX {$89.00} to get the funds there immediately and then I received certified mail a few days later XXXX letter was dated XXXX XXXX, XXXX ) stating an intent to foreclose on mortgage. Why did I pay {$89.00} to have the funds there immediately and still receive a letter. I should n't have a negative reporting on my credit report b/c it was not my fault the payment was late. The envelope sent to my home clearly read at the bottom " intent to foreclose '' so everyone can see. It is none of anyone 's business if I am behind on my bills due to an unexpected illness. My children saw it and became scared. I had to reassure them it was a temporary set back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: Experian Information Solutions Inc.
State: CA
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2021-01-22
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hello, I called my bank, to inform them my paypal account was hacked, they reassigned my account. And caused my stimulus check and other deposits to be returned. They also did a reversal for funds that I did not tell them we're the issue, they did not resolve the issue. XXXX XXXX XXXX XXXX XXXX XXXX they caused paypal to go after, every person on my list because my account was hacked and instead of paypal correcting the matter they sent a card, they linked my bank account and people on my paypal accounts and went into all of our accounts unauthorized ... They have several of my despite issues ... I have several attachments that include the date and my concerns .. and everyone that has been effected. I am being punished financially for being a victim of financial theft ... Also my bank holds my deposits for a long time before releasing them causing me to overdraft on multiple accounts .. I also told paypal my account was hacked ... and all they did was send me another card.. now they are charging people on my paypal financial account ... And my XXXX XXXX XXXX XXXX., nor paypal are helping me or others financially we are victims of financial fraud, why are we being charged? Why are we being punished financially ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report after getting a preapproval for a home loan in XXXX, 2022 and saw that there are numerous incorrect information on my report. There seems to be accounts that are business accounts that do not belong to me as well as charge offs and collections that are interfering with my going any further in obtaining a loan to purchase a home. I have tried numerously to call these companies within the last 3 months and have not gotten anywhere. They are very rude and intimidating. XXXX XXXX told me that I had no choice but to make a payment to settle both of those business accounts listed only in efforts to solve this issue but now after I paid them in XXXX of 2022, they told me that they will keep this on my report for 7 years anyway even though the accounts belong to a business and they do not have a contract signed by me for these accounts. 
The others, CAINE WEINER ( Original Creditor : XXXX XXXX XXXX  )XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX are inquiries that I did not authorize and need to be removed. I am now aware that these are also a violation of consumer law 15 USC 168b. I have tried so hard to fix this problem with my credit report and I feel very helpless. This is causing me severe anxiety and XXXX because I am not able to move any further. I am begging for someone to help me with this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have address this several times. Now the issue is the account. Was open XX/XX/XXXX and other mis information. But XXXX showing it was opened XX/XX/XXXX. And that not correct. In the past when I point out wrong info the credit reporting agency just Changed them on my credit report and notified the creditors. I thought they were to remove them. So I'm going this route. The date opend is wrong. Along with other info. But for now I'm noticing Date open wat XX/XX/XXXX. Not XX/XX/XXXX. I'd like the credit remove from my 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 2019-02-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report. 
An FTC had been filed and a police report will be filed. 
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 explanation
Consumer complaint received 2019-02-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 deposited paycheck in the amount of {$2600.00} into checking account. This is the same deposit that is made twice monthly. Same amount, same account. There have been no issues for the past year with deposited paychecks. Bank now refuses to make funds available until XX/XX/19, which has compromised our jobs, due to childcare not getting paid, compromised our mortgage payment, and now we can not pay our electric which is due by XX/XX/19, before being shut off. We have attempted to contact the bank and were told by both our local location and the customer service line, that they were going to hold our paycheck for 10 days due to our account being negative before. Our account has {$.00} in it with no outstanding balances or purchases. This holding of our paycheck is in no way useful to the bank, other than keeping us from paying our bills and as a form of punishment.This is through Fifth Thirds Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2018, at XXXX XXXX. I went to Bank of America at XXXX XXXX  XXXX, XXXX, Texas XXXX, and tried to use the Virtual Teller. The teller came on the screen and advised me to put my Drivers license on the screen. Next he advised me to insert the check I wanted to cash for {$1400.00} thru the ATM window. Within minutes the teller told me the check was stuck in the ATM machine, and could not be retrieved. I would have to file a claim with the bank. I am not an account holder of Bank of America, and have been trying for 2 weeks to either get my money or get my original check back. The teller gave me a receipt for the transaction, and I called the Claim department and filed a claim. I have been told something different everyday by this Claim department, including they do not balance the ATM machine everyday, and this process could take 45 days. I am not willing to wait this long on their error. I have written letters, and faxed a complaint to their Corporate Office, to no avail. 

Bank of America XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, Texas XXXX XXXX available anytime

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$9.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00}

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 2022-07-25
Company: BROKER SOLUTIONS, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint that I have placed on my mortgage company New American Funding regarding my mortgage. I recently came out of a forbearance and was able to agree to a loan modification. I have been complying with making my payments on time since the loan modification has been in place. My loan payment did increase due to the county taxes on my escro analysis ran earlier this year. However, I have still ensure to login and pay what is due every month. On XX/XX/22, I made my payment like usual, however, a manual analysis was ran manually at the end of XXXX and my payment made XX/XX/22 was not processed correctly by New American Funding. For some reason it shows that I am now behind on XXXX and XXXX 's payment. Every representative I've spoken to has no idea what exactly happened to my money that I paid on XX/XX/22 {$1300.00}, it was taken out of my bank account, but not applied to my mortgage. They said it could've gone to escrow, but how if I did not authorize that to happen? They have told me they would call me back when it is resolved, but as always no one calls me back. I can not make my payment for XXXX online because of this error that New American Funding has created and no one can trace my money and now it shows I am behind on XXXX payment when I have been complying on making my payments on time, but why is it that noone can resolve my issue and NOONE calls me back. Now I'm receiving all kinds of notices in the mail of a hardship, collection notices, behind on my mortgage notices and numerous collection agency phone calls all because of this error and NOONE can help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I call then send back requested information but they still refuse to correct and/or remove incorrect info therefore when I apply for credit, I 'm denied because the fraud alert placed due to identity thief requires that they call me before issuing any type of credit in my name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the victim of XXXX credit card fraud activities and {$7400.00} charges. I have been trying to resolve this issue on my own for more than one year and a half, charges was been taken off and then put back on my credit report. Not only this, I am constantly and continuously harassed and threatened by collections companies. I have communicated with the XXXX credit card company and reported the fraudulent account and the charges over the phone many times. Here is the rundown of my communication with XXXX. 
On XXXX XXXX, I spoke to XXXX XXXX fraudulent department about the account activity. I was on phone for more than an hour. They assured me that it will be resolved within 3-4 weeks. On XXXX XXXX, I called them again to find out the status of my fraud report. Instead of resolving the issues and fraudulent acts, they were asking me for the payment. After staying on phone for more than a couple of hours, I was able to speak to an account specialist who assured me it will be resolved within 72 hours. On XXXX XXXX, I called them. From the fraudulent department of XXXX, they assured me that the matter will be resolved soon and I did not have anything to do with this account. On XXXX XXXX, I called again and they told me that this account is closed and will be reported to the credit bureaus. On XXXX XXXX, I called them and they told me that the account is closed and reported to the credit bureaus. On XXXX XXXX I went out of the USA . On XXXX XXXX, I received an email from XXXX XXXX that, instead of resolving that fraudulent account, XXXX has reported as missed or late payment to the credit bureaus. Then I communicated with XXXX over the phone, got a case number, and sent mail to all of the credit bureaus with documents proving that I have nothing to do with the card and charges because the charges took place while I was not in the state and country where the charges took place. I am desperately in need of your help as a responsible consumer to finish this frustrating financial fraudulent issue once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Balance of {$91.00} paid in full, creditor is also reporting the wrong amount shows {$95.00} on Equifax. 

Open Account # 1 {$95.00} Balance XXXX GA Original Creditor {$91.00} High Balance XX/XX/2016 Opened Date XX/XX/2016 Last Reported Joint Account Responsibility -- Remarks Note

Company response to consumer: Closed with explanation