BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-24
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$390.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.

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 2019-06-03
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a large check in the Valley National Bank branch office in  XXXX on XX/XX/XXXX but no one there could tell me when the check clears! I then went to the XXXX branch! Same answer! I called both branches and the XXXX branch on XX/XX/XXXX! Same answer! 

What kind of banking is this? 

Outrageous! 

I have an absolute right to the answer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Experian Information Solutions Inc.
State: AZ
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 received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts

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 2020-09-09
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: Account status incorrect

Complaint:
I have submitted the attached documents to Equifax, XXXX and XXXX yet the information is still reporting incorrectly. 
The XXXX XXXX XXXX XXXX and XXXX XXXX Account are showing past due yet they were paid by XXXX XXXX XXXX XXXX due to COVID19. 


Attached you will find the documentation to support my dispute claim. 

XXXX XXXX are not late and were COVID19 related and paid from XXXX to XXXX by XXXX XXXX XXXX XXXX. Please correct the information. 

Also I have submitted documentation to remove late payments from XXXX XXXX XXXX. XXXX - XX/XX/2020 were also paid by the insurance company and never late. 

Please make necessary adjustments and correct mistakes. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Barclays - Debt was settled but they have not adjusted the balance and have shut the account down even though debt paid.

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 2021-03-01
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XX/XX/2021 i purchased a netspend card loading {$150.00}. When I tried activating it i was informed to contact support. Upon contacting support I was then told I was not allowed to do business with netspend and they would send me my refund i a form of a check 7-10 business days. Well its been a month, Ive called them repeatedly and each time they go over the same information asking my address and so fourth to make sure my check is mailed to the correct address. Still no check, I called two weeks ago asking to speak to a supervisor whom then notified me they had the wrong address on the check that was mailed, which i was suppose to get on the XXXX of XXXX. So we go over the info again and i again give my correct address. Still no check. I called today XX/XX/XXXX and asked what was going on the cs rep then tells me there was a notation on my account statin that the address i provided wasnt the address I had originally activated my card with. I asked to speak with a supervisor and i was then disconnected. This has made me fail in my college courses due to these fund were meant for books that were required. This is crazy please 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 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have contacted XXXX XXXX many times before ; last time was on XX/XX/2020 and spoked to XXXX & XXXX about a Fraudulent Medical claim which has been dublicated now even though was paid initially by my Insurance. Both were Unprofessional, Rude & refused to solve & investigate my claim, as it happened every time i contacted XXXX. I believe that XXXX  does it on purpose to consumers in order to sell credit reports with negative items ( which are more expensive ) to XXXX XXXX, as many Studies proves that in addition to that 80 % of XXXX Credit Reports have mistakes. Only a XXXX  Enterprise will act this way, maybe they are. Obviously is known that XXXX  Bribes Corrupted Politicians in order to be in business and Ignore the Law, just like a XXXX. Only in America.

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 2020-09-18
Company: SYNERGY ONE LENDING, INC.
State: ID
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with XXXX XXXX from XXXX XXXX XXXX on a reverse mortgage and his contact in is XXXX XXXX since XX/XX/2020. I completed the credit course in XXXX and had an appraisel on the house XX/XX/2020. The appraiser is XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. He submitted the appraisal XX/XX/2020 and have been asked a number of times to submit some additional comparison home which he has refused to do. Mr XXXX and myself have given him some houses but he did not use them. AS of now I have not gotten my reverse mortgage and time is running out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
i have tried to get a understanding on why i could not get a free credit report in which i was denied a credit report and they are wanting me to pay for a credit report and i know that i qualify for credit report every year. i am having to go through a bunch of red tape just to get a free credit report and they want to charge me money just to get a free credit report and score. and they have asked me about things after all these years. and i have provided all the information that needed but still they would not send me my free credit report sent to my address. but i guess i don't qualify for a credit report or score because i am XXXX or maybe because they are using my information against me. when everyone else can have nice cars or a nice house but i know i have not worked all those years for nothing to not have nice things other us citizens. now i am looking a document that says that my credit score was on the date XX/XX/2018 was a XXXX  how in this world did my credit score drop from XXXX to XXXX? but i feel that i am being discriminated against because of my XXXX and i should be able to have nice things like other us citizens. it is wrong for these people to these things to the consumers and i am on a fixed income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this is one of three times this happened. I am paying them and they say they don't get it but I send it certified so I know they are getting my payments. I want it to stop or close this debt as paid in full for all the harassment to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Equifax continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my Equifax credit file and it was reinserted without my knowledge. The information still has not been validated or verified by Equifax, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The third party company XXXX XXXX XXXX is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things Equifax, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted this bureau a few times in the last 90 days on XX/XX/108 and XX/XX/2018. Both times i disputed and reported to them about these unauthorized hard inquiries.They have not sent me any results via us postal mail or email. these unauthorized inquiries were not authorized by me and I need them removed immediately. They are affecting me from obtaining credit and moving on in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRUIST FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My business partners email account was being hacked on XX/XX/XXXX, she sent me email from her corporate email saying they switched to another bank account in truist bank with same bank account name and address. so I made the remit to the new account. 
The Truist bank received my payment from XXXX XXXX XXXX XXXX XXXX XXXX and can not return it me, but they did tell me that bank account name is not XXXX XXXX as what I input in the 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 2021-03-01
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requesting an investigation into the forbearance programs which are now blocking consumers from modification of the terms of my mortgage to make it more affordable. 

I am currently on a forbearance plan with Quicken Loans and attempted to obtain detailed information about their loan modification at the end of forbearance program more specifically, how can consumers modify the existing loan add any outstanding balance to end of loan and refinance at today 's lower rate. 

I am currently at 3.50 % percent, todays APR is around 2.38 %, so I asked for the criteria, requirements, process to modified my current loan, adding any outstanding balance to back of the existing loan and modify at today 's lower rate. 

Quicken Loan refused to provide any verbal or written information, told me it would be two sperate processes, I would have to add any outstanding balance to tail end of existing loan and rate, then and only then would Quicken Loans discuss or tell consumers how to qualify, apply or obtain current lower interest rates, which this is clearly a money making opportunity for Quicken Loans at the consumer expense. 

Consumer who successfully resume making monthly payment should able to add the outstanding balance to existing loan and modify under new lower rates without any roadblock, added fees or requirements anything less would defeat the purpose of the laws passed to help consumers therefore, I asking you to act quickly and provide assistance and relief to consumers and allow modifications of loans at new lower rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts

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 2020-09-09
Company: SECURITY FINANCE CORP
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: Investigation took more than 30 days

Complaint:
I reached out to Security Finance regarding credit reporting issues that I do not believe is valid. I requested validation of account ( s ), and have not received a response from the company. The USPS Priority Mail Tracking # XXXX, item has been delivered and is available at a XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020 in XXXX, SC 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 2021-03-01
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: Was not notified of investigation status or results

Complaint:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2021, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a commitment to Chase bank in XX/XX/2018 submitting two payments to the same payee via online bill pay. However Chase bank failed to honor the agreement, the payee is demanding proof of payments or the mailing envelops in order to waive the penalty {$930.00}. When asked, Chase bank refuses to provide me the envelops, due to the fact that the two payments were never sent in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I pay a monthly fee for Equifax Credit Monitoring. I have tried Numerous times to get an updated credit report that Im entitled to on a daily basis ( per the agreement ). The website will not give me my report. I have called Equifaxs 800 number and spoke to people in XXXX ( totally unacceptable ) who dont have a clue and are useless. The Equifax representatives can not access my report either and they can not Determine why they cant access my credit report or why I cant do it online, Since they can not resolve the issue to get me an updated reports, I want a refund for my Credit Monitoring for 2 months and I want my credit profile fixed so that I can access future credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Experian Information Solutions 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:
Problem with Experian for allowing incorrect information to show on my credit report. According to FCRA section 609,  when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened. 
1 ) XXXX XXXX original creditor XXXX XXXX  2 )  XXXX XXXX  original creditor XXXX XXXX 3 )  XXXX XXXX original creditor XXXX  XXXX I have not done any business with these companies. 
Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$280.00} ; XXXX SELF-REPORTED XXXX Balance : {$220.00} ; XXXX SELF-REPORTED XXXX Balance : {$190.00} ; XXXX SELF-REPORTED XXXX Balance : {$21.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-03-06
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I filed bankruptcy on XX/XX/23 and on XXXX checksmart called me to collect on this debt which is in bankruptcy, I told the representative that I filed bankruptcy and he called me a liar, said I was just saying that. I told him I have the call log on my phone which I will giving the attorney and he told me I wasnt giving it to my attorney. I informed him that collection activity after bankruptcy is filed is illegal and that I can sue them for punitive damages, attorney fees and such. He still persists I was lying.

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