BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: MI
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 been paying on my accounts with XXXX XXXX XXXX and on time and more money to pay my XXXX XXXX off, my end loan personal loan down, and I been paying to get my credit card back down and I have disputed after dispute and i have emailed and mailed y'all company CFPB about all three credit bureau 's wasn't reporting right and Equifax still not reporting my credit right because out of all my dispute to Equifax my credit XXXX XXXX XXXXXXXX have received all the disputes from all three credit bureaus and Equifax felled to update all two loans and my credit card payments and now this is XX/XX/2021 and Equifax isn't updating my payments for my credit score to go higher and I just paid off two collections that was reported on my credit report and no changes. I want Equifax to get my credit report reporting correctly and update my credit score. I will be emailing or uploading documents from XXXX XXXX XXXX XXXX and from the collection agency to show I have paid them off and I also paid the XXXX XXXX with XXXX XXXX XXXXXXXX off it was {$240.00} now it's XXXX owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TransferWise Ltd
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Account with TransferWise Inc. was opened a couple years ago. After customer transferred money to account, they decided to close our account. So, we don't have access to our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
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:
In XXXX we had an apartment at XXXX XXXX in XXXX, WA with a roommate. That roommate quit his job and became unable to pay his portion of the bills. We were evicted. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX ( aka Genesis Credit ), XXXX XXXX filed for and received a judgment in the amount of {$2500.00}. 

On XX/XX/XXXX, A Writ of Garnishment was then issued in favor of XXXX XXXX XXXX, XXXX XXXX, and assigned to Columbia Debt Recovery, LLC. 

That Garnishment was served on one of our employers. That Garnishment was paid in full through the Continuing Lien on Earnings. 

Genesis Credit has continually and fraudulently reported on our credit reports that we still owe over {$8000.00}. We disputed those reports. Genesis removed them ... for a few months. They then RE-reported on our credit reports that we still owe over {$8000.00}. We have disputed it again. 

We have attempted numerous times to contact them to get this resolved. No phone calls are returned. 

If we had actually owed the amount they are claiming, a Judge would have issued a Judgment and Writ of Garnishment for that amount. However, the Judge issued them in the correct amount of {$2500.00}. That amount has been paid. 

Please note as well that Genesis Credit is under investigation for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My business had a Home Depot Contractors account serviced by Citibank. Account # XXXX XXXX XXXX XXXX in the name of XXXX XXXX XXXX XXXX XXXX XXXX. 
The account was closed around XX/XX/XXXX and credits were issued and a final payment made over the phone with Citibank. The cards were shredded and there was never activity on the account from my end with regards to purchases. 
However, while preparing for taxes it came to my attention on XX/XX/XXXX from a Citibank robo-call that there was an outstanding balance of {$12.00} on my " CLOSED '' Home Depot business card. 
I made a call to Home Depot Accounts and confirmed that the account was CLOSED. 
I contacted Citi to inquire where the balance was coming from. IT appears that when they issued the credits and quoted me the payoff they were {$4.00} short in their calculations. 
They have for the past seven ( 7 ) months been adding a {$1.00} late fee to the CLOSED account. I offered to pay the {$4.00} today, XX/XX/XXXX to set the balance to XXXX. They could not assist. I was transferred to a Customer Account Manager and offered to pay {$5.00} to set the account to XXXX. The response was " We do not negotiate ''. I implied hat I will file a CFPB complaint and it will surely cost them more than {$7.00} to respond to it. He was not bothered nor interested in taking the {$5.00}.

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 monetary relief
Consumer complaint received 2023-01-23
Company: JPMORGAN CHASE & CO.
State: WV
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:
We purchased three small bathroom vanities on XX/XX/XXXX, but we only received one full vanity and two vanities were received with partial parts and some of parts were broken. So we communicated with the vendor to send us the missing parts and replace the broken parts, but they kept asking us to wait until XX/XX/XXXX even though they were selling the same items online. 

We continue trying to resolve the issue with the merchant, but they were not responsive, so we disputed the partial credit card charge for those two vanities. Then, merchant responded to our credit card dispute with the proof of shipping, but they also acknowledged that they did not send the full packages as there were missing packages. However, Chase concluded that the charge was valid and closed the case in Merchant favor. 

So we decided to return the two incomplete vanities, and returned the vanities and re-opened the dispute with additional information indicating that the merchant DID NOT fully shipped the items, and we returned the partial vanities we received. We provided the return tracking numbers, XXXX XXXX & XXXX, and they were returned to the merchant 's warehouse on XX/XX/XXXX and XX/XX/XXXX. 

We asked Chase customer service look into the case with this additional information. However, the Chase customer service again closed the case indicating that we are responsible for the charge even though we originally received the full packages, then eventually returned the items back to the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: VA
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:
The credit reporting agencies are still showing accounts that should have been removed because of fraud. Multiple complaints have been filed to no avail, without the negative information, my credit score should be over 700.

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 2023-03-08
Company: HYUNDAI CAPITAL AMERICA
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a new Kia XXXX on XX/XX/2022 and I gave them permission to pull my credit once. Not multiple times for multiple lenders. It was one event to finance through Kia Motors. They have since told me there is nothing they can do about all the HARD pulls. 
There are 5 Hard Inquiries on my credit with the same date. XX/XX/2022 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 2020-12-17
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020, I ( XXXX XXXX XXXX attempted to pay a residential handyman for his services for an amount of {$1800.00} via XXXX. The payment did not go through immediately as it usually should. So, I called Ally and tried cancelling the XXXX transaction and instead try XXXX this time. Fortunately, the XXXX transaction went through and the handyman got paid for his services. However, XXXX did not block the previous transaction as requested, and went ahead with the duplicate payment on XX/XX/2020. 

The recipient, knowing the quandary I was in, informed me that he wasn't able to receive the XXXX transaction as well as he didn't have an account with XXXX at that time. This was the last time I was able to make contact with this handyman. As of today, this {$1800.00} is being held with XXXX due to " compliance reasons ''. 

Since XXXX, both XXXX and Ally have been playing a game of cat and mouse by not giving a clear response on when this transaction would be reversed. XXXX wants Ally to initiate a claim to reverse this payment, and Ally refuses to do the same. This practice is fraudulent and unethical and I need help!

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 2020-12-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
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 contacted Bayview Loan Servicing for the COVID 19 forebearnce plan under the CARES ACT. It is XXXX, and I am shocked to see my credit report, which they marked the LAST 6 PAYMENTS as late payments. It is my understanding that under the cares ACT, no payments are to be marked as late, that I should not have any negative credit reporting. XXXX  This is appaling. I can not do anything with my loans now that they did this. They must immediately correct all this late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I recently pulled my credit report and to my amazement, saw that you recently have decided to report me 30 days late on my XXXX account in XX/XX/2018. I have previous credit reports from both agencies pulled in XX/XX/2018, and neither one of these reports show me late in XX/XX/2018. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I contacted your company and talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my XXXX  dispute and my TransUnion dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.

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 2023-04-11
Company: Marlette Funding, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have asked Best Egg numerous times to validate the loan that i have with them. I want the actual accounting of the loan. I sent them a registered letter on XX/XX/XXXX XX/XX/XXXXXXXX  and XX/XX/XXXX. They have responded to my first letter only with my loan documents and not the actual accounting of the loan. 
I have told them in all my letters I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you. 
I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. 

As of today, XXXX XXXX, I have not gotten any response from my second and third letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Security Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the SECURITYCRED ( Original Creditor : XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: ADP Inc.
State: CA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On the morning of XXXX I viewed the transaction history on my Wisely by ADP pay card and there was a transaction I did not make for {$14.00} made for or by XXXX XXXX XXXX XXXX. I immediately contacted the Wisely customer service center to report it and cancel the card. They have since given me the run around regarding this Transaction and then sent a notice with the finding that it was not a fraudulent transaction. Upon review and multiple attempts trying to discuss this issue with someone the only advice was to write a formal request to receive the documents used to make the decision and reopen the claim. So on XX/XX/2023 I mailed them a letter to the dispute address provide and have since still been given the run around and told they did not receive my request. I keep getting hung up on or told the only option is to wait for a call back but nothing is done. This is horrible to treat people like this and I understand people lie but if they looked at my transaction history and actually investigated they could see I did not make this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have no knowledge of this card. I never applied for it. The report says I applied for it in XXXX and around that time I had applied for mortgages around that time and some of the companies ran my information outside of my the ten day window. Therefore the inquiry didnt stand out to me back then. I got wind of this when the harassing phone calls and then it reported to my credit in XXXX. This is very discouraging because Ive tried to talk to them and they just keep saying they have my information so its me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I mailed a first-class dispute letter to The Best Service Company on XX/XX/2020. I did not get a response. I mailed a certified mail receipt requested letter on XX/XX/2020, and I also did not get a response. I mailed the letters to the address that is listed on my credit reports. 

I am an unaccompanied XXXX youth that is participating in a XXXX XXXX XXXX effort named XXXX XXXX. XXXX XXXX provides unaccompanied XXXX  youth with a housing subsidy, workforce training, and job opportunities as well as financial education and coaching. I had a very challenging time obtaining housing due to my credit and The Best Service Company was a big reason for that impact. 

I do not feel it is fair that I and my financial coach have tried two times to contact The Best Service Company and they have not responded. I called to confirm their address and they have not responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Chime Financial Inc
State: OH
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:
Comment or Question/Tell Us Your Story : On XX/XX/2023 I called chime customer service to verify the daily withdrawal from the ATM. I spoke with a who claim that he would help me and said he can increase the limit per day. I informed him that all I need to know is the amount that can be withdrawn from the ATM. The call did not seem right so I disconnected the call. I then received a callback from the same number XXXX 's. I answered the phone and it was a guy claiming to be the chime customer service XXXX ( XXXX XXXX and he said that my account was deactivated and my cards were frozen due to the call being disconnected and they can reactivate the account by sending the information to the department that can handle the reactivating and it would take no more then XXXX mins. I sat there literally watching them take the money from me in the amount of {$2600.00} that was every dime I had. I filed a dispute with chime and they keep denying it. I filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent Transunion a dispute letter 30 days ago and they have yet to respond. i believe that they are refusing to verify the accounts i asked them on what method they used to verify them and for them to show me a legal and binding contract/agreement, between myself and the creditor. they have to follow FCRA guidelines and they have failed to do so. the following accounts are : 1. XXXX CARD Account Number : XXXX 2. XXXX CARD Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. 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 2020-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation