BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Thursday XX/XX/2022 I left work and stopped to get dinner at a restaurant in XXXX, TX. As I headed home I received notification that a charge was attempted at a XXXX  location XXXX $ XXXX frantically opened my XXXX  XXXX  and tried to disable transactions for my account to stop any further activity before I was able to another transaction was attempted and clearedXXXX XXXX from my account. I contacted customer support and explained what happened and let them know my account has been compromised and I needed to dispute the transaction on the account. I was told they could not start the dispute process until the transaction either settled or fell off so I waited. XXXX at XXXX am I called them again to dispute the unauthorized activity. I received a response about my dispute on Sunday XX/XX/2022 at XXXX and the email stated they are closing the dispute and they found that no error occurred. I called them again on Sunday XX/XX/2022 and spoke with a representative and asked for the documents used to determine why my claim was denied then spoke to the supervisor who said he would submit this new information to the investigation team and have them re-open the dispute. I received an email on Tuesday XX/XX/2022 XXXX stating they are closing the dispute and they found that no error occurred. I called again on Tuesday XX/XX/2022 at XXXX pm and requested the documents from investigation conducted. I also emailed them additional documentation during that call to re-open the dispute. I called the police department and filed a formal police report sent another email to Chime to submit the police report number. I received another email from chime on Wednesday XX/XX/2022 at XXXX am stating the email stated they are closing the dispute and they found that no error occurred. I contacted them again Wednesday XX/XX/2022 and requested to speak with a manager she has re-opened the claim and I am waiting for the them to investigate for a fourth time. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

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 2019-12-15
Company: DISCOVER BANK
State: LA
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:
Upon looking at my XXXX, XXXX, and XXXX credit  report I noticed an account for Discover Financial Services. Sent a letter to the company to their mailing address addressing this fraudulent account. However they have not given me a response and its passed 30 days. They didnt provide me an application with my wet signature, and no permissible purpose this is violations of the fair credit reporting act and I have never applied for anything with Discover Financial Services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: Sequium Asset Solutions, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company called Sequiem keeps calling over and over and I do not have any unpaid bills. I have never made a late payment to anyone, but I still checked my credit report to confirm. I have blocked their number, but they just call me from another one. I do not answer the phone, but it is very frustrating. 
XX/XX/XXXX XXXX XXXX  & XXXX XXXX  XX/XX/XXXX XXXX XXXX & XXXX XXXX  XX/XX/XXXX XXXX XXXX  & XXXX XXXX   XX/XX/XXXX XXXX XXXX  & XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  & XXXX XXXX  XX/XX/XXXX XXXX XXXX  & XXXX XXXX There are more dates and times if I need to send more

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2021-12-11
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
You guy record me as i owed a debt with amount of XXXX XXXX and payment status is collection/charge off ( account status : derogatory ). Date reported : XX/XX/2021. The original lender is XXXX XXXX XXXX But the fact is that ive never been in that XXXX XXXX XXXX place before! I dont know what is it and where is it location! So why did i owed that lender a debt with the amount of XXXX XXXX? I dont know whats going on?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: EQUIFAX, INC.
State: FL
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:
I have contacted Equifax for more than 90 days filing an inquiry ( s ) dispute clearly stating that the inquiries are " unathorized. '' not mine. The inquiry ( s ) by these creditors are inviolation of Permisdible Purpose vs ... a Hard Inquiry review of my credit report. I did not authorize any of these creditors to review my credit reports for credit Approval. Equifax has intentionally ignored my repeated dispute requestes by mail, and online. Equifax is simply mailing a standard form stating Eqyifax had received my dispute and has been reviewed- a review is not a dispute veriying the accuravcy of a disputed item reported on my credit report. Equifax simply sends a letter out stating contact the creditor. I have done so three times, and called and have been told by the creditor that they can not locate my information. Equifax has a duty to inveztigate any disputed item. Failure to remove the disputed items Equifax file file number XXXX dated XX/XX/XXXX constitutes vilations of FCRA Section 604 permissible Purpose reviews when checking credit history without consumer consent, but rather the pull being a Hard Inquiry, when it should have been a Permusdible Inquiry not seen by creditors. A 42 USC 1983 Civil Action will be filed for Non-Compliance for failing to remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Account Control Technology, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Today, the president of my company held a conference with me, payroll and  human resources  regarding the attached document from Account  Control Technology , Inc. regarding my employment status. I dont know who this company is or why they are trying to v erify my employment. What disturbed the president of my company is was the fact that it states via fax " ATTN ; PAYROLL / GARNISHMENT DEPT ''. From what I know, I dont owe this company any money and if I do, I was notified properly. I had to leave work today due to   XXXX   XXXX   and visit my doctor ( i have proof of this ). I needed meds to calm down because I was having a  XXXX   XXXX  - something that has n't happened to me in over  XXXX  years. Because of this unannounced meeting with my company president, payroll and  human resources,  I had to leave work. This is not fair to me as a consumer because I dont know who this company is and why they are inquiring about my employment status without my written consent and the wording " GARNISHMENT DEPARTMENT '' in their correspondence with my employer. Had I known about a potential debt owed, I would have challenged it pursuant to the FDCPA and requested they send me information regarding the validation of the debt, the original creditor, how they came to the amount they 're seeking, licensed to collect in my state, etc ... none of this was done. They 've hinted to my employer, without validation that I owe money because they attention their unwarranted job verification letter to " PAYROLL/GARNISHMENT ''. The fact that they 've used "  GARNISHMENT DEPT '' suggests dissemination of personal financial issues without validation. I 've submitted a complaint with the   XXXX    Attorney General, Attorney  General of  XXXX  and with your office. I will continue to prosecute this matter until a fair decision is made. My attorney has all of the complaints I 've submitted to your office and to the  AG 's office and we 're waiting for a response. Based on the outcome of this and ot  her complaints submitted, I 'm ready to file a civil and criminal suit against Account Control Technology , Inc. for deceptive business practices and libel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has  been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-12-15
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I started out with a home mortgage with   XXXX   XXXX   in  XXXX , then it was sold to  XXXX , then to   XXXX   XXXX   XXXX  , In   XXXX   XXXX   we got a letter telling us we should send our payments t o OCWEN Loan S ervicing, and we can not send enough money to these people. They are very unprofessional and have ripped us off so many time we have lost thousands of dollars just to stay in our home.We can no longer substain, this as we both are retired, and living on a fixed income.   XXXX   XXXX  , they sent my check back saying not enough funds.We have tried to refinance and they block us every way we go, so please help us or give us some advice as what can be done with our circumstances. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: EQUIFAX, INC.
State: AL
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:
As a result of two errors I missed three payments. After trying to fix these errors it seems their online system had a bug and did not retain saved autopay information. 

First : after making payments, I had thought I had set up my account on auto pay. I had not and thought I had made a mistake setting it up. But after setting it up again with the help of your online chat, it was set up and showed properly. Then, a few hours later, it has disappeared. I believe this is exactly what happened before. 

Second ; the address on file for me was incorrect and I was not receiving any notices of the account being past due. I do not know how the dealer got an old address for our account, but it must have come from me. It was not the address on my drivers license, but I dont know where else it could have come from if not from me. 

Once the credit report was filed and I saw the drop in our credit score I corrected the missed payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On   XXXX   XXXX   XXXX   I ,  XXXX   XXXX , purchased the property known as  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX  from my uncle,  XXXX   XXXX  in which a mortgage granted to Ba nk of America  was satisfied but the satisfaction recorded in  the county cl erk 's office was incorrect.    XXXX   XXXX  granted a mortgage to Bank  of America on   XXXX   XXXX   XXXX   in the  amount of {$160000.00}. This mortgage was consolidated with another mortgage granted to Bank  of America on   XXXX   XXXX   XXXX   in the amount of {$6100.00}. On   XXXX   XXXX   XXXX   the cons olidated mortgage was paid off but Bank   of America filed a satisfaction for the {$6100.00} mortgage only.
On   XXXX   XXXX   XXXX   a request for a lien release was faxed to Bank of America togeth  er with the title report,  Request  ID # :  XXXX . Bank  of America was inf ormed that I am selling the house on    XXXX   XXXX   XXXX   and title needed to be clear a least a week before the closing. Bank of America has stated that the lien release department has picked up the request on   XXXX   XXXX   XXXX   and are   working on it. Since a new ID number from the lien release department has not been generated, the request is NOT being worked on. It is imperial that I close on    XXXX   XXXX   XXXX   and I do not have the luxury of waiting for Bank of America to file a satisfaction that was to have  been done correctly in  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 2017-04-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Disputed the information being reported is wrong and should be deleted immediately as it is not proper correction 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 2017-08-23
Company: EQUIFAX, INC.
State: NJ
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:
Collection account appeared on personal credit report for the first time on XX/XX/XXXX from a business called XXXX XXXX XXXX apparently a collection agency attempting to collect on a {$190.00} debt owed to a utility company. I notified them that I have never not paid a utility bill of any kind and they stated that they do n't need to provide validation of any debt beyond 30 days and this debt was assigned to them back in XX/XX/XXXX. However, I never received any notice from them relative to any debt allegedly owed. They refuse to remove this erroneous item from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Have received my free Experian Credit Report which I ordered through Free   XXXX   XXXX   XXXX  . The report number is :  XXXX . The company Experian denying me access to file a dispute online to incorrect i nformation on my credit report. I input of all of the correct information including Name, Social, Current Address,  Previous, Employee, and everything is correct but they still denied me access to file a online dispute. When they had me go through the identity verification process I answered all questions correctly. They questions ask me did I have mortgage opened in  XXXX  I answered " No '' because I did n't open a mortgage in  XXXX  nor have I ever to a mortgage for a loan on a house. They also asked what company did I take out auto loan with in  XXXX  I answered " None '' because I did not take out a auto loan in  XXXX . They asked what was the monthly payments I answered " None '' because I did not take out a auto loan in  XXXX  nor do I still have  one on  my credit. Experian is denying my access to file a online dispute for incorrect information on my credit even though I answered all verification questions correctly. It is unscrupulous and unethical for Experian to deny me access to file a online dispute when I put in all of my information correct, I am signed up for the Experian application which full access to my credit report every month, and I even have the actual credit report number that I am trying to file a dispute with but they are still denying me access.

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 2022-04-01
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, Account Number : XXXX 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report., 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

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 2021-03-29
Company: AMERICAN INTERNET MORTGAGE
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid off two mortgages on XX/XX/XXXX to AIM loan. There were outstanding escrow balances of {$1600.00} and {$1500.00}. When the amounts were not received, we called AIM loan in XX/XX/XXXX. We were informed that the checks had been sent to an obsolete address ( we had sold the house to which they were mailed in XXXX ) and no action could be taken until 30 days from that time had passed. We called back in XXXX and were informed that we had to submit a change of address in order to receive the checks. The change of address was submitted and approved and on XX/XX/XXXX were informed that the change of address was complete and that the two checks would be sent after 7-10 days of processing time and then mail time. ( See attached email. ) When the checks never arrived, we called again in late XXXX. The customer service agent again promised these checks would be sent, but refused to promise a time frame. It is now late XXXX, more than months after payoff, and AIM loan has still not sent us our outstanding escrow balances.

Company response to consumer: Closed with explanation