BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: Genesis FS Card Services, Inc.
State: MD
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:
I was behind on my payment due being on temporary XXXX for a few months after a surgical procedure in XXXX. In XXXX I received a letter from XXXX XXXX XXXX XXXX with an offer to settle my account. I was able to acquire a debt consolidation loan from my bank. In XX/XX/2023 I paid the requested amount and the remaining balance was forgiven. I'm in the process of purchasing a home. My credit reports do not coincide with XXXX report regarding the XXXX XXXX XXXX. The XXXX XXXX  account was paid and closed in XXXX on all 3 credit bureaus. However in XX/XX/2023 XXXX accepted a file from XXXX XXXX XXXX  reporting my account over 90 days late and derogatory. My score has been going up and down like a roller coaster on XXXX only. I believe they are accepting fraudulent information or they are reporting fraudulent information so that I will subscribe to their subscription services to monitor my credit reporting activities. I attached a letter from XXXX XXXX XXXX XXXX The letter reads - your XXXX XXXX account issued by the XXXX  XXXX XXXX  above has been settled for less than the full balance. You may receive a final statement reflecting your settlement payments. However, please regard any minimum payment or balance due information as the remaining portion of your count balance as shown that the top of this letter has been forgiven. Sincerely, Genesis FS card services the XXXX XXXX account is issued by the XXXX  XXXX XXXX and XXXX by Genesis FS card services Inc.. 

XX/XX/2023, XX/XX/2023, XX/XX/2023 reads XXXX XXXX info reported. There shouldn't be any information reported after XXXX payment because it was closed. Genesis FS card services also known as the XXXX XXXX XXXX  failed to report that the account was closed in XXXX, instead of reporting closed they didn't report anything ** except for XXXX when they reported that I was over 90 days past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Possible Financial Inc
State: TX
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:
Company was sent email and certified letter requesting validation of account and official notice of account in Dispute on XX/XX/XXXX with no response. Company does not have a direct number to discuss issues with an account status. Company continues to report fraudulently on my personal consumer report without consent nor providing validation information. I am a victim of identity theft and do not believe this account belongs to me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; US DEPT OF ED/XXXX XXXXXXXX ... XXXX 
{$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$2200.00} ; XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX ... . Balance XXXX {$670.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7300.00} ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX 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 : It also states a consumer reporting agency can not furnish an 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 2021-02-12
Company: Nelnet, 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: Old information reappears or never goes away

Complaint:
In XX/XX/2020, I consolidated my old Dept of Ed student loans with XXXX. I am paying XXXX, however the old student loans are still reporting on my account as open and showing late payments. They are reporting inaccurate information monthly. Ive written to the credit reporting agencies to have them removed, but nothing has happened yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Luckmore Finance
State: MS
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:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information LUCKMORE FINANCE is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAILXXXX DIFFER FROM XXXX & XXXX DATE OPENED-DATES DIFFER FROM XXXX & XXXX BALANCE- AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX & XXXX LAST REPORTED- DATE DIFFER FROM XXXX & XXXX DATE LAST ACTIVE- DIFFER FROM XXXX XXXX XXXX DATE OF LAST PAYMENT- DIFFER FROM XXXX XXXX XXXX PAYMENT HISTORY- DIFFER FROM XXXX & XXXX LUCKMORE FINANCE was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that LUCKMORE FINANCE complied with this requirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: EQUIFAX, 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:
The credit bureaus are continuing to report fraudulent accounts in my credit reports as a result of identity theft while I was XXXX. They are : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: NC
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-07
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I currently have a dispute with PNC over unauthorized payments ( around {$1500.00} ) to something called XXXX XXXX XXXX. That initial payment was on or around XX/XX/2023. 

While I was out of the country, on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX somehow got {$53.00} from my checking account via my debit card. This happened nearly two weeks after I reported XXXX XXXX XXXX as suspicious to PNC. Yet they didn't block or even flag them for this debit. 

I called PNC as soon I noticed this, yesterday ( XX/XX/XXXX ). They apparently have no mechanism in place to block parties I've warned them of. They refused to escalate the situation, even though I have a current dispute over the same vendor. 

Further, I reached out to someone at PNC on their executive customer service team ( or whatever group it is ), but was quickly dismissed with " It's still in dispute. '' I'm waiting on a call back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
UPDATE TO COMPLAINT # XXXX UPDATE TO COMPLAINT # XXXX UPDATE TO COMPLAINT # XXXX UPDATE TO COMPLAINT # XXXX TRANSUNION IS IN WILLFULL NON COMPLIENCE IN DIRECT VIOLATION UNDER THE FCRA AND ITS GRAVE DUTIES WHICH CONGRESS DEMANDS THEY EXCERCISE. TRANSUNION IS DEMANDED BY CONGRESS UNDER THE FCRA 15 USC 1681a ( 1 ) ( 2 ) TO EXCLUDE SPECIFIC INFORMATION FROM A CONSUMER REPORT. TRANSUNION HAS BEEN PLACED ON NOTICE TO EXERCISE THEIR GRAVE DUTIES WITH FAIRNESS, INTEGRITY AND RESPECT TO THE CONSUMER AND REMOVE DEMANDED SPECIFIC INFORMATION FROM MY CONSUMER REPORT ( Kennedy v. Chase Manhattan Bank USA, NA ). TRANSUNION HAS INSTEADED STATED THEY CONDUCTED A REINVESTIGATION ( not requested btw and bias ) AND HAVE VERIFIED THE INFORMATION BY CONTACTING THE ALLEGED CREDITORS.THIS IS A FRUAD INVESTIGATION ( Henson v. CSC Credit Services Docket. Cf. Pinner v. Schmidt, 805 F.2d 1258 ( 5th Cir. 1986 ), cert. denied, 483 U.S. 1022, 107 S.Ct. 3267, 97 L.Ed.2d 766 ( 1987 ). TRANSUNION HAS BEEN PUT ON NOTICE AND DEMANDED TO PROVIDE UNDER FCRA DEFINITION OF " INVESTIGATIVE CONSUMER REPORT '' THE NAMES AND ADDRESS OF THOSE PERSONALLY INTERVIEWED TO VERIFY SAID INFORMATION. TRANSUNION HAS BEEN DEMANDED TO PROVIDE LEGAL EVIDENCE THAT SHOWS THEY DO NOT HAVE TO PERFORM THEIR GRAVE DUTIES UNDER THE FCRA AS CONGRESS DEMANDS AND DISREGARD 15 USC 1681a ( 1 ) ( 2 ). TRANSUNION HAS INSTEAD NOT RESPONDED TO MY CFPB COMPLAINT THROUGH THE CFPB BUT INSTEAD SEND ME MEAIL STATING THEY WERE NOT ABLE TO FIGUERE OUT THE NATURE OF MY REQUEST. TRANSUNION IS NOT EXERCISING THEIR GRAVE DUTIES WITH RESPECT AND INTEGRITY TO THE CONSUMER AND IS CONDUCTING UNREQUESTED BIAS FRAUD REINVESTIGATIONS AWAY FROM THE REQUIREMENTS OF CONGRESS AND FCRA!!! I FEEL ABUSED, DISRESPECTED AND IGNORED!!!!

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 2019-12-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
When I open this account I signed agreement stating that I did not want over drafting and frees from my account. But today XX/XX/2019 I logon into my account and my account is overdrawn {$430.00} which was because on XX/XX/2019 I filed a Claim Disputed against XXXX XXXX  which when I filed the representative check my account the system and informed me that the merchant did not reserves the changes and continue with the claim or dispute. I'm really concerned that with hours awaiting credit and investigation that Chase Dispute and Transaction did not notice that they credit already and when the merchant credit the account then Chase should have keep the credit since they have already credit my account. I another problem that they informed that they is credit on XX/XX/2019 but when I log into my account I can not see the credit of the transaction if Chase is giving customer access to they account me and others should be able to see the credit. I extremely tired of long in the website and not having access or they changing my password with my permission. Chase Claim Dispute Number is XXXX Option 1 and they Dispute Transaction Number is XXXX same number the both them. I was when call the dispute or claim or charges that They did not finish my claim because I want to speak to supervisors and the submitted it as inquiry. How do you submitted a claim or credit on Inquiry. This should be illegal for me and other to call and dispute charges and it submitted only as inquiry. The Supervisor for the claim department Complaint Number is XXXX. Please investigate Chase Bank policies and ensure that all United States Federal Regulations are being apply to me and other customers. All misconduct and mismanagement found all individuals involved be convicted according to United State Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Please refer to the details of the complaint sent originally listed below with the attached evidence. The complaint is about deceptive practices where their statement shakes the account past due and a payment for the same amount at the bottom of the page. We received 2 call from XXXX in Truist escalation area and I returned the call and spoke to XXXX XXXX and gave exact clarity on the issue being the statement and the XXXX area not being able to answer the questions about the statement and the payment shown at the bottom of the statements. Truist closed the complaint with responses to XXXX reporting, XXXX Chap XXXX and a late fee and never answered why their XXXX mortgage area is ill equipped to answer questions and why is was the balance showing past due on an account with the payment of the same amount showing the bottom. Based on XXXX this is a deceptive practice. I called Truist escalation today XX/XX/2021 at XXXX to ask about the complaint and why was it closed without addressing the deceptive practice and XXXX XXXX says the matter is closed so he has nothing to look at so he cant respond even after I mentioned that I was seeking an attorney to assist ( please listen to the call ) He suggested that I open another complaint. This is unacceptable from a customer experience, risk mitigation and management. How many clients is Truist deceiving. Please HELP Review the companys response to your complaint.

The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone. 

Thank you for participating in our complaint process. This complaint is now closed. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Trouble during payment process

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 2021-09-15
Company: EQUIFAX, INC.
State: OH
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 reached out to both XXXX XXXX XXXX XXXX and EQUIFAX about the fraudulent account opened XX/XX/XXXX Account number XXXX on my Equifax credit report. This account was FRAUDULENTLY OPENED AND NEEDS TO BE BLOCKED AND REMOVED! 

I have sent Equifax and the furnisher, XXXX XXXX XXXX XXXX a notarized Police report, Federal Trade Comission Identity Theft Affadavit and supporting Identitfcation documents along with a formal request for deletion of this account and a fraudulent credit inquiry ( syncb/paypal XX/XX/XXXX ). 

I DEMAND FOR THIS FRAUDULENT INFORMATION BE BLOCKED AND REMOVED FROM MY CREDIT REPORT BECAUSE IT IS HINDERING MY FINANCES AND LIFE! I AM A VICTIM OF IDENTITY THEFT AND AND REQUESTING ASSISTANCE IN FIXING THIS PROBLEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXX XXXX would verify the debt. So I took it upon myself to ask XXXX XXXX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: BBVA 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/XXXX, I deposited {$1200.00} into my BBVA compass checking account via atm cash disposit. After inserting the bills and following most of the prompts, the atm froze. After about 8 minutes it read that my transaction was canceled and returned my card. My money wasnt in my account nor was it returned by the atm. I then called bbva customer service and let them know my situation. I was told it would be 10 business days before I would receive my money back as thats how long the investigation would take. I called last week on the XXXX and was told they had until the XXXX to return my money or issue me a temporary credit but that if I wanted my funds sooner to speak to the investigation department. Once transferred, I was informed by a manager of the investigation department that there were only liaisons between the investigators and the customer and had no control of funds being released. She instructed me to contact the branch manager of the atm location and gave me their phone number. When I called the branch the manager then told me after looking into my file that they had the wrong address on file that they had on file XXXX XXXX XXXX XXXX XXXX, FL XXXX United States, instead of XXXX XXXX XXXX XXXX. She told me that was the correct address for the branch whos atm I used. This morning XXXX XXXX ) I went to call compass customer service once again as my money still has yet to be returned and they are closed on weekends. After being on hold over and hour and transferred to multiple people who did not know what they were talking about. I got back in contact with the dispute department and she informed me that the investigation was trying to close my dispute and they hadnt even selected an address for the Location and were going to just code the dispute for lack of proper information. Now they are trying to make me wait another 15 days for my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
After designing then deciding to build our families dream home on a lot we purchased my wife and I followed through and closed on a Home Construction Loan XX/XX/2022 with America First Credit Union. Just days later after a FED rate hike interest rates began to soar and the realization that my wife and I most likely would not qualify for a Home Mortgage on the back side of our 12 month build process. We then approached our loan officer about options and we were told to be patent and wait for XXXX to finish a pilot program on a 1 time close construction loan to lock in our interest rate that we could roll into. Weeks later no such program was created so we started negotiations on cancelling the note. 
They insisted on no concessions to be made on their behalf including fees related to construction inspections ( none occurred ) and fees for originating our loan covering a 12 month construction process. A total of {$12000.00} in fees were paid to fund the loan and none were refunded despite trying to negotiate {$7700.00} in forgiveness ( prorated origination fee + inspection fees ). My point to my loan officer was this is a case of services paid for and not provided by their institution and was told simply " it was just the cost of the loan ''. I offered several other reasonable request but all were not even considered. 
Because XXXX would not work with us we were then forced to secure financing through another financial institution to be able to finalize the cancellation of our note with them that occurred on XX/XX/2022. 
I had been banking with XXXX for over 20 years, had multiple car loans with them, and had thought that some kind of compromise would be made given our history, circumstance, and future goals but we found no understanding or support for our situation.

Company response to consumer: Closed with explanation