BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
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:
In XXXX of XXXX, the XXXX XXXX XXXX that was leased was in an accident. The car was totaled by the insurance company then the balance of {$2000.00} was written/paid off. Since this was an accident and XXXX dealt with the insurance company for a final resolution, there was no information reported to the credit agencies in XXXX, XXXX, XXXX, XXXX or XXXX of XXXX. Once resolved, I received a balance and submitted the final payment of {$490.00} on XX/XX/XXXX. I leased 4 cars, all for 3 years from XXXX and was never late on any payments. After having the remaining balance removed from my report, I reviewed it this morning and I was surprised to see that I missed a payment which is false and the account is listed as " derogatory ''. I have had this issue in the past with XXXX, they lack integrity and have questionable business practices which is why I will no longer conduct business with them. I appreciate any help your organization may be able to provide, Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Applied Data Finance, LLC
State: TX
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:
I have repeatedly asked for verification through the credit bureau on this account and have received nothing. It is being listed as a chargeoff on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Ditech Financial LLC
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX XXXX have been receiving debt collection letters for over a year now for a property that was awarded to my EX-WIFE in the divorce. she let it become repossessed and is refusing to pay the debt for the property which has now gone to collections. Since it was her as awarded by a judge in the divorce proceedings the debt is hers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Truist bank XX/XX/XXXX after they offered a {$400.00} bonus to open the account. I made 2 requested direct deposits of {$500.00} each to meet the eligibility. I verified that I had met the terms with Truist customer service when I opened the account and made the deposits. After 30 days I was supposed to have received the {$400.00} bonus, however it wasnt received. I again called customer service on XXXX and was assured I had met eligibility and that I would receive the funds in a week or two. I visited my local Truist branch on XX/XX/XXXX. They took my information but never followed up. I still have not received my {$400.00} bonus. 

Truist misled me into opening an account with the promise of a bonus and now refuse to pay. hours of my time wasted on hold and waiting at the local branch with several false promises of paying me the {$400.00} bonus.

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 2020-11-30
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2020 I had obtained a 3 bureau credit report and notice that Equifax, XXXX  and XXXX are reporting false accounts on my credit reports. These listed accounts need to be verified immediately and corrected on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Experian Information Solutions Inc.
State: IL
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:
Experian intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Every 30 days I have disputing the same inaccurate information from the credit bureaus and they aren't doing anything to remove these inaccuracies. The are reporting the following fraudulent information and it has hurt and damaged my credit scores : Transunion - Dispute Letter Sent XX/XX/2022 Address Is Not mines - XXXX XXXX  XXXX  XXXX, XXXX, NJ XXXX XXXX  XXXX Charge Off {$3800.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX - Dispute Letter Sent XX/XX/2022 XXXX XXXX XXXX  - {$420.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX  - Dispute Letter Sent XX/XX/2022 XXXX  XXXX Charge Off {$3800.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX  XXXX XXXX  Charge Off - This was included in a bankruptcy and was paid in full

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 2020-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
To whom it may concern Ive managed to keep up with my payments consistently. 
But on the date of *XX/XX/XXXX & XXXX XXXX My payments show up as late because I wasnt allowed to use two cards ( Two Different Forms of Payment ) to make a payment that forced me to pay the other portion a day later causing my credit score to drop by 94 points. It will be a great relief to get this removed from my credit report. Its not that I didnt have the money to pay it, but rather I wasnt aware that two different cards couldn't be used. If there is a recording you will hear me mention this to the operator that night *XX/XX/XXXX. * I read the agreement and I dont see where I am not able to use two different debit cards. Please accept this as a goodwill letter I would greatly appreciate it and thank you for your time & service in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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: Information belongs to someone else

Complaint:
XXXX XXXX and transunion reporting wrong address that not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All of the attachments that will be produced are the accounts in question for fraud and misuse of my information all credit reporting agencies XXXX, XXXX, and Transunion should be taken off immediately due to wrongful reporting on accounts that do not belong to me under section 623 you have 30 days to respond with proof of signatures and ID connecting me to this

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 2021-06-04
Company: Coinbase, Inc.
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I TRANSFERRED XXXX TO COINBASE XXXX 0N XX/XX/2021 The money is missing before i sent the wire transfer from my bank they coinbase pro said it was safe all issues are resolved -- security i trusted them again no more

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: EQUIFAX, INC.
State: IL
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:
Equifax intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Equifax pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et.  seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: ERC
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

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 2019-03-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/ 2019 while shopping at XXXX 's I was offered a new credit card application by a store associate. She said that if I applied and was approved I would get 20 % all of my purchases that day, including shopping online, regardless of the item and that there was no limit to the purchases. She said I would not see the 20 % discounts on my receipts but would see them on my statement. So I applied and received the credit card. I was only given a printout that served as a temporary card for that day. It did not have the terms of the card on it. I purchased a number of items and then went home and was dismayed to find that there was no credit card number on the paper given so could not purchase more from home. 
However, when I got the statement I saw that the item I purchased when the credit card was specifically offered to me did not have a 20 % discount but instead only a {$17.00} discount on a {$290.00} item ( {$320.00} with tax ). The other items had the 20 % discount applied. I called XXXX XXXX Customer Service and asked about this and they said there is a {$100.00} limit on the discount. I was not told this and in fact I am confused because the discounts for that day actually add up to {$100.00}. So something is wrong and I was given false information and false promises in order to get me to apply for the card.

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 2019-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Personal Statement I have been a victim of id theft and following up to clear up some remaining inquiries that are not mine and it was an attempt to open accounts in my name. The fraudulent inquiries are 1 )  XXXX/XXXX on XX/XX/XXXX 2 ) XXXX XXXX on XX/XX/XXXX 3 ) XXXX on XX/XX/XXXX 4 ) XXXX on XX/XX/XXXX 5 ) XXXX  XXXX  XX/XX/XXXX attached my the ftc report and I have begun notifying all the appropriate parties. 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 2021-06-04
Company: AMERISAVE MORTGAGE CORPORATION
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, I applied for a VA IRRRL Refi ( Interest rate reduction refinance loan ) or VA streamline loan. Currently I have a VA loan at 3.25 %. I spoke to XXXX XXXX, Loan Originator from AmeriSave. He told me he could get me 2.25 %. He asked for my social security number and I asked why since the VA does not require a credit check. He said to make sure I hadnt filed for bankruptcy. I gave it to him and expected him to do a soft pull. Next I called my current lender, XXXX XXXX, to shop rates. XXXX XXXX asked me why AmeriSave ran my credit, as they did a soft pull and saw the hard pull from AmeriSave.

The next day two different processors from AmeriSave requesting documentation from me which is unnecessary for the IRRRL. I view the loan disclosure which show the loan type as VA full documentation. Not the VA IRRRL. XX/XX/2021, I sent XXXX XXXX an email asking why : 1. The loan was switched, 2. Why was there a hard inquiry on my credit report. And lastly I did not want to continue the loan and to stop processing. To date I havent gotten a response. 

Then a processor named XXXX XXXX contacted me requesting more documentation. I responded to her and said the same things I said to XXXX. She responded with an apology and said she would request XXXX to reach out to me. 

Another processor from AmeriSave named XXXX texted me saying he was waiting for documentation. I replied with same thing I said to XXXX and XXXX. Why was my loan switched and why was there a hard inquiry on my credit. 

AmeriSave sent me a survey on XX/XX/2021, asking how they are doing. For the 4th rime I restate why was my loan switched and why was there a hard inquiry. 

AmeriSave sent me an email on XX/XX/2021, which states they closed my file for incompleteness and enclosed a statement of credit denial. 

Not only did AmeriSave switch my loan from a VA IRRRL to a VA full documentation Refi, they made a credit inquiry and then denied me credit.

To date, no one from AmeriSave has reached out to me to rectify the situation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently submitted a complaint. The company closed this complaint with failing to address the issue. Theyre response and is unacceptable when they are in violation of the HIPAA Law. Here is the company response Thank you for reaching out to our firm. We have reviewed your accounts. As stated in your complaint case no # : XXXX, Receivables Management Systems sent a letter back on XX/XX/2020 to show the balance in our office. Our firm has sent information to the original creditor requesting additional information. Our firm has not received that information as of date but once we have received, it will be mailed to the consumer to the address listed in this complaint. Please contact our firm directly should you need further assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: WELLS FARGO & COMPANY
State: VA
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:
I HAVE HAD MANY FRAUD TRANSACTIONS ON MY WELLS FARGO VISA CARD AND I HAVE REPORTED IT TO THEM EVERY SINGLE TIME THIS HAS HAPPEN TO ME.. EVER SINCE XX/XX/XXXX MY CARD HAS BEEN CHARGED WITH THINGS THAT I NEVER AUTHORIZED AND I NEVER DID BUSINESS WITH THESE SAID COMPANIES.. I WILL LIST ALL THE TRANSACTIONS ON HERE FOR YOU TO SEE. I KNOW XX/XX/XXXX IS VERY OLD BUT PLEASE IF YOU CAN SEE HOW MANY TIMES THIS HAPPEN TO ME AND WELLS FARGO VISA NEVER BACKED ME AS THERE CUSTOMER AND NEVER WANTED TO GIVE ME MY MONEY BACK. THEY WERE RUDE AND IGNORANT TO ME TELLING ME I WAS A LIAR, WHICH I AM NOT.. PLEASE HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX  XXXX   XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/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 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 XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX   XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX THESE ARE ALL THE CHARGES THAT WERE POSTED TO MY ACCOUNT THROUGH THE YEARS AND I NEVER DID BUSINESS WITH ANY OF THESE SAID COMPANIES.. I HAVE TRIED TO CONTACT MOST OF THEM AND LOOK THEM UP BUT I HAD NO LUCK BECAUSE THE PHONE NUMBERS WERE DISCONNECTED.. PLEASE HELP ME GET MY MONEY BACK. PLEASE I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME..

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 2019-08-12
Company: Freedom Mortgage Company
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My VA loan with Freedom Mortgage Corp was paid in full on XX/XX/2019. This is supported by an Outgoing Wire Detail secured from the closing attorney. The wire detail identifies the receiving bank via routing and account number, the loan account number, and the amount paid. Although the funds are identified in the bank on XX/XX/2019, Freedom Mortgage did not post the payoff until after XX/XX/XXXX. Accordingly, Freedom Mortgage has reported to credit bureaus that my loan is 30 days late and is still not posting as paid off. This has caused my credit score to plummet from XXXX to XXXX. Now my new refinanced mortgage is reporting and Freedom Mortgage is still active, which has doubled the debt balance along with a 30 days late negative entry.

I have called and emailed Freedom Mortgage to resolve, with no results or return communication. I filed complaints with the credit bureaus and was notified today that XXXX has confirmed the reporting is correct and will remain on my record. I have never had a late payment with Freedom Mortgage and this needs to be corrected asap. My annual premiums for autos are coming due in XX/XX/XXXX and the rates are increasing due to this significant drop in credit score. I'm attaching the Wire Transfer of funds that demonstrates the loan payoff off on XX/XX/2019 ... in the amount specified by Freedom Mortgage.

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 2023-04-02
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine and Weiner is a collection account reporting a debt that does not belong to me. The orginal creditor XXXX XXXX XXXX sold it to this company and the debt is no longer mine nor do I owe it due to the Fair Debt Collection Practices Act. 

Caine and Weiner is reporting a collection account with a balance of {$1100.00} and a past due balace of {$1100.00} which is inaccurate and a violation on this collection/charge off account. 

I have contacted them directly via certified mail twice with no response in over 60 days and they are still reporting to all credit bureaus. They can not verify the debt and violated Fair Dept Collection Practices act 15 USC1692g Sec 809 ( 8 ) ( FDCPA ).

Company response to consumer: Closed with explanation