BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I notice that this account has been sold twice to different companies. Cavalry Port filo Serv is collecting a false debt that is Fraud. As a victim of Identity theft I have to be aware. But the Credit Bureaus are not watching because they allowed this account on my credit. I need this account off my credit asap or this would result is legal issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Citi bank checking account got closed on XX/XX/XXXX. And Citi bank agent told me that the funds total {$32000.00} in my account would mail to me within 7-10 business days after XX/XX/XXXX. Today it's XX/XX/XXXX, I didn't receive any funds/checks from Citi bank . I called them at least 50 times in these 2 months. The agents told me that check was sent then requested another check twice for me and asked me to wait for the 7-10 days, just keep waiting for it. I asked for the tracking number and they never gave me. So Citi bank is playing the game and won't send me the funds. It's nonreasonable. I complanited to them so many times and they didn't do any further 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 monetary relief
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: NC
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:
My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I contacted Equifax and was told this information would be deleted but it has not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Affirm Holdings, Inc
State: OH
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 Affirm Accounts # XXXX  / # XXXX / # XXXX / # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my phone was stolen Im a XXXX XXXX. XX/XX/XXXX My roommate provided me with old phone I went to phone store to get old phone activated so I could call my mom to call insurance on phone. My mom started claim and was able to get me a replacement phone. I called my bank advised of phone being stolen as will as fraudulent charge of XXXX through XXXX XXXX which this was also disputed. I call 2 weeks later to bofa after reporting fraud on my account and was advised claim was put in for all charges I corrected the representative advising only of the XXXX XXXX XXXX. She advised she would update and escalate. 2 more weeks went by I called to see if they needed anything. I provided the replacement phone information, XXXX XXXX dispute and the confirmation of the phone being reported as stolen. I was advised the fraud claim was denied due to not reporting fraud timely when fraud took place XX/XX/XXXX same day I called and reported it to bofa after checking my account balances. I esc to bofa supervisor XXXX who re opened claim for the 4 time and had me resend documents again. I reported and provided all documents its seems Im getting the run around

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 2021-10-25
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
XXXX XXXX XXXX has refused to correct my credit report. They have continually showed 90 days late for the period of 3 years after I filed chapter XXXX bankruptcy. They still show the account as open and will correct the information after repeated disputes. I am currently on the XXXXth dispute with the credit bureau to get this information corrected and they have once again failed to remove the 20 90 days late since getting protection under Chapter 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 2021-07-10
Company: Credit Corp Solutions 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: Old information reappears or never goes away

Complaint:
Regarding an older collection debt {$850.00} from XXXX that had fell off my credit report. It has now reappeared in XX/XX/XXXX by a collection company called Credit Corp Solutions reporting that this account was opened in XX/XX/XXXX, so it looks like they have re-aged a fairly old debt without any communication with or from me that could actually re-age it. This is fraudulent behavior. I have not at any time been in contact with any agency regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Wells Fargo Dealer Services is misreporting my auto loan status as a Charge-off from XXXX to the three credit bureaus in error. 

When my vehicle was totaled in XXXX the WF GAP insurance on the auto loan should have paid the remaining balance, as promised. Wells Fargo Dealer Services sent me a confirmation in XXXX that my GAP insurance ( see attachment ) coverage would pay the remaining balance and that I just needed to complete their 3 steps to activate my GAP which I completed right away. 

Three years later in XX/XX/XXXX when I was refinancing my mortgage, and my lender pulled my credit reports I discovered my old auto loan was reporting as an unpaid charge-off account. I only then realized that my GAP insurance didn't pay out. 

To quickly rectify the situation and get my refinance done, I paid the account off immediately then I contacted my GAP insurance and they issued me a check to re-imburse me a few months later ( see attached ). What they failed to do though, is correct my credit report to remove the negative marks which were dropping my credit scores 60-80 points. The account should have been updated to report correctly on my credit reports as a CLOSED account that was never past due and definitely not charged off since my GAP insurance was through my auto lender it was their error that GAP didn't pay out timely, not mine. 

I am currently in the process of refinancing my house again, and when my credit was pulled, I noticed the account is now being reported as a PAID charge-off with a date of last activity in XX/XX/XXXX. Again, the account should have never reported as delinquent as it was a clerical error with GAP insurance that was out of my control. Yes, the financial part of the issue was fixed however the credit issue has not been.

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 2021-07-10
Company: Paradigm Assets, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacteXXXX XXXX XXXX XXXX XXXX XXXXone number XXXX in the beginning of XXXX about an issue with my credit report. JHPDE finance one instructed me to call XXXX XXXX XXXX about my account. XXXX XXXX settled that account for JHPDE finance one at the end of XXXX for the amount of XXXX as settled in full. Now JHPDE finance 1 Has put in my credit report that I/O {$1600.00} from my settled account. I filed with the credit bureau having no luck and having this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2021-10-25
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A merchant, XXXX issued a credit of {$34.00} to my Discover card XXXX on XX/XX/21. I received an email confirmation from XXXX of this transaction on XX/XX/21. XXXX XXXX is a closed account, so Discover has to transfer the credit to my current account, but is unwilling to do it. 
I made two formal complaints with CFPB XX/XX/21 and XX/XX/21 regarding this issue. Discover 's response to the first complaint was that they didn't have a record of my having card XXXX, so they couldn't return my money. Discover 's response to the second complaint is that they do have a record of card XXXX, but there is no credit of {$34.00}. 
I have confirmed with XXXX on two different occasions, XX/XX/21 and XX/XX/21 that the credit was issued to Discover card XXXX since XX/XX/21, so it does not make sense that Discover does not have the credit. 
Discover 's policy is that they transfer credit from closed accounts to current account within 72 hours. This has not been my experience with Discover. They have never transferred credit from a closed account to a new account within 72 hours. I have always had to call in to initiate the transfer process after waiting for a month without any action from them. If I didn't call, I would not have received the credit. 
Discover continues with this deceptive practice to avoid crediting consumer 's account. 
My credit has been with Discover for two months and it still has not been transferred. I called the merchant twice regarding this matter, each time they confirmed the credit was issued to card XXXX on XX/XX/21. This leads me to question Discover 's conclusion that they don't have the credit in their system. In addition, I wonder if Discover ever called XXXX during their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from 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 2021-10-26
Company: EQUIFAX, INC.
State: CT
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX. In late XXXX of XXXX my Chase credit card was fraudulently billed 289 separate charges ( plus foreign fees ) with approx total {$4800.00} by XXXX XXXX, XXXX. I called the Chase fraud phone XX/XX/XXXX to dispute these charges. The customer service rep removed the charges and issued me a new credit card. I thought the matter was closed. 

The fraudulent charges were reapplied to my new card XXXX statement. I called Chase again to dispute the charges and they said these XXXX charges were valid because I overlooked {$9.00} in XXXX charges in XX/XX/XXXX. I did dispute the XXXX charges immediately after seeing them on my bill. Does Chase mean if a customer misses a fraudulent charge from a company they are liable for any amount billed in the future from the same company? I am also disputing {$63.00} fraudulent charges from XXXX ( XX/XX/XXXX - XX/XX/XXXX ). I dont even have a XXXX app. 

I called Chase credit fraud department many times for 2 months to resolve this matter. Each time I was passed around. I have received 2 letters dated XX/XX/XXXX and XX/XX/XXXX from Chase saying the charges are valid. The agents I spoke with would not provide an email and a direct phone line. Most would not even give me their last name. How can I follow up with them? Below is a list of only some of the calls I made and the reps I spoke with : XXXX XXXX XX/XX/XXXX said he who investigate and get back to me in 3 to 5 days. He never called back. 

XXXX said XX/XX/XXXX the charges were valid. 

Talked to XXXX XX/XX/XXXX, said he will reopen investigation. XXXX called me Monday XX/XX/XXXX and told me that the all disputed XXXX are not valid. He also assured me the charges would be removed from my account by XX/XX/XXXX or XX/XX/XXXX at the latest. Today XX/XX/XXXX XXXX charges are still on my account and have not been credited. 

I sent a certified letter XX/XX/XXXX to Chase Credit Card department disputing these charges, with statements with of all the fraudulent XXXX and XXXX charges highlighted. According to the XXXX tracking it was delivered on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX my check card was cut off by Wells Fargo for any use for one year. Ive never bounced a check or done anything to warrant this. They refuse to give answers the ironic part is i disputed a merchant charge and on the same way i was awarded the dispute the bank Revoked my ATM card from year which is essentially closing my account. This is fraud and should be stoped

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 2023-08-20
Company: Experian Information Solutions Inc.
State: LA
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  account # XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX 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 2021-10-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX at XXXX I was alerted via text message that Chase denied a {$780.00} purchase at XXXX XXXX XXXX XXXX They asked me to confirm if it was me with a " yes '' or " no ''. I responded " No '' within the minute ( XXXX ), as I had not ( and never have ) made a purchase at XXXX . chase confirmed they would close my card and send a new one. 

Chase then reversed the transaction a few days later, so I assumed I was all set. However, a few months later, I was checking my credit card history and noticed Chase had added back the same {$780.00} charge a day or so after they removed it from my credit card without any notice. I had unknowingly paid that charge, resulting in me being out of pocket ~ {$800.00}. I am still out of pocket this amount. This charge should have never gone through, since i flagged it as fraud the same minute I was alerted via text message.

I called Chase to complain, and they said they would raise a complaint with their fraud team and it would take 15 Business days. I waited the 15 Business days, plus a few more, and still heard nothing from Chase. I called and they said their department said the delivery address matched my address on file. I had since moved ( starting XX/XX/2021 ) and no longer lived at that address. They patched me in to XXXX who provided the shipping information for the package but then said I would now have to work with Chase to get the refund.

Chase has been extremely difficult and unwilling to refund me the money, which is why I am submitting a complaint. I can provide time stamped records of the fraud text, my response, and the chase follow up. I am happy to provide any other information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My account received an email notification from PayPal allowing withdrawals on XXXX XX/XX/2022, but I can't link new bank with the withdrawal, and I've contacted the customer service representative by phone several times and the problem hasn't been solved, can you please help me, thank you! 
Attached is the email notification from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My house was damaged from the Texas Freeze and a claim was filed with XXXX back in XXXX. A check for rebuild was mailed to Guild Mortgage to be signed so that money could be released to begin the rebuild. Guild Mortgage disputed the percentage of work completed to date and would not release additional funds. The case was sent to XXXX XXXX ( VP of XXXX ). XXXX contacted me and said that there was a misunderstanding by her people and that she would get with them to make sure they understood how money should be released. She also spoke with the owner of XXXX XXXX and he sent her the draw schedule via email and cc 'd me on the email communication. XXXX XXXX ( VP of XXXX ) has not replied to the draw schedule email nor have we been successful in reaching anyone by phone or email. I have been paying for a house that I am unable to live in for eight months. They have yet to move forward with the rebuild since not receiving a response from Guild Mortgage. We are just going around in circles.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation