BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: TRUIST FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Dears kindly we're making this complaint for TRUIST BANK as our bank XXXXXXXX XXXX is trying to communicate with Truist bank via the appropriate wire channels since XXXX 2023 but they didn't respond till now kindly the USD WIRE INVESTIGATIONS OUR REFERENCE is XXXX XXXX we need a respond to XXXXXXXX XXXX regards

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 2019-12-09
Company: Experian Information Solutions Inc.
State: SC
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2023-07-06
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. You are reporting a fraudulent account on my credit report. You are attempting to unlawfully collect a debt from me that I do not owe and is not mine. I have told multiple representatives that called me that I am a victim of identity theft and to cease and dismiss all forms of communication. That include reporting a fraudulent account to my credit report causing me emotional distress and financial burden. I demand that this account be deleted immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: GREAT LAKES
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am an XXXX XXXX military member. Been working towards being eligible for PSLF program. I graduated from school in XXXX. Consolidated my loans and it was serviced by Great Lakes from XXXX. The loans is being serviced through XXXX currently. When the loans was transferred from Great Lakes to XXXX   XXXX, that payment history was lost. I have been trying to get my payment history from Great Lakes since XXXX, but always get automatic replies. I am almost at the 10 year mark of XXXX XXXX service, but am unable to get that history from Great Lakes. Without it I would essentially lose close to 2 years worth of eligible payments. I need them to give me that payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
At the beginning of this year the bank began charging overdraft fees retroactively. I received overdraft fees for charges that were not overdrawn. The bank has not refunded any of the fees. A savings account that I had was suddenly closed without notice. I've since notified the SEC about the fraud, involving this bank and third party entities, after numerous small charges and itemization began appearing on my account, beginning in XX/XX/2019. Chase bank has further removed the online option to dispute any charges, and requests that such disputes are placed in writing. A relative that holds a Chase account has now also been targeted in a similar way by this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18
Company: Radius Global Solutions LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I request that RADIUS GLOBAL SOLUTIONS LLC # XXXXformally substantiate account data RADIUS GLOBAL SOLUTIONS LLC conferred to the major credit bureaus for me, XXXX XXXX XXXX , with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak RADIUS GLOBAL SOLUTIONS LLC desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. Thanks sincerely for your assisting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Experian Information Solutions Inc.
State: MA
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 do not remember this account and I have been writing Experian to gather why they are reporting this account and they have yet to provide a response. The just send me a credit report but no additional information.

I have been trying to get to the bottom of this account and see whats happening with my credit. The only bureau reporting is Experian and I have attached an image showing this.

Why is Experian showing an account that I don't know of and ignoring my investigation requests. I need help with CFPB to obtain the procedure that Experian followed to legally protect my consumer rights. 

I requested to be provided with a description of the specific procedures followed by you, including the name, address and telephone number, of who you contacted in order to verify the information that I had previously disputed previously and that you responded had been verified. 

This procedural request is made pursuant to FCRA, Section 611, Procedure in Case of Disputed Accuracy ( a ) ( 6 ) ( iii ) and is sent via CFPB for tracking and legal enforcement.

Pursuant to FCRA, Section 611 ( a ) ( 7 ), Experian is required to provide that description and specific information to me no later than 15 days of my request.

They have already failed to provide me with the lawfully requested description and information within the timeframes specified by the FCRA and obviously must not have received the adequate proof as verification from the creditors that would have allowed you to verify the disputed information.

Therefore, please delete from my consumer file, and this time I am not requesting a reinvestigation, I am requesting deletion of these items, as required by the FCRA.

Also please have Experian provide me with a new copy of my consumer file, reflecting these deletions, to the above-listed address within the next 15 days.

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 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The have sent letters to bureaus 2 times and I haven't receive a response. This crazy they can do this. Im not even being notified of the results of my disputes. It has been over 60 days and no response.

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 2019-10-31
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Trans Union is reporting fraudulent information on my credit report. These accounts do not belong to me. 

XXXX XXXX {$340.00} XXXX XXXX {$240.00}

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 explanation
Consumer complaint received 2019-02-22
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We purchased a home on XX/XX/XXXX of XXXX and moved in to the home on XX/XX/XXXX. In early XXXX I attempted to contact our Mortgage Company to make our first payment. The mortgage company informed us that our loan had been bought by Planet Home Lending. I called Planet Home Lending about making our first payment. They would not take my payment over the phone and informed me how to register for an account online and set up auto payments. The gentleman informed me not to worry or rush because I had 60 days to make my first payment. This was a relief to me because my husband is a XXXX employee and because of the Government shutdown at that time was not receiving a paycheck. I then hung up and set up an account online with auto payments to begin on XX/XX/XXXX. Today XX/XX/XXXX we received a phone call from Planet Home Lending informing us that we were late on our mortgage payment for the month of XXXX and would be sent to collections unless a payment was made. I attempted to explain to her about what someone at her company had told me that I had 60 days to pay. She transferred me to a supervisor and I explained again. Bottom line is they did not care what I had been informed of previously, they did not care that we were affected by the government shutdown or try to work with us on payment. They informed us that if we did not pay, the account would be sent to collections and appear as a negative on our credit report. We made a payment but are completely frustrated, angry and upset that Planet Home Lending has such predatory practices to deceive customers into thinking that they don't need to make a payment and then tacking on late payment fees and threatening people with sending them to collections. This company does not care about it's customers and the worst part is the consumer has no choice on who is servicing your mortgage loan so as to avoid predatory businesses like this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: OK
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:
On XXXX XXXX, 2017, Equifax went public with news that they failed to prevent a breach of their security and millions of American 's sensitive identifying data was taken by cyber-criminals. Unfortunately, despite having never personally done business with Equifax, their website says that I was affected. Equifax has profited for years on the buying and selling of my personal identifying information. Because of their inability to keep my personal information safe, I will forever have to deal with the consequences of their actions, not my own, and their actions may make it harder for me to buy a home, a car or for my future kids to afford college. This is devastating and none of it was my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I added {$200.00} to my XXXX account via Coinbase while the price was about {$200.00}. It has withdrawn from my bank account but has remained pending for 36 hours. My last deposit was instant. My issue is that their customer service is talking about days to respond which can potentially cut my investment by 95 % at the current rate of growth. Also, side note, the app wont let me transfer money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Freedom Mortgage Company
State: PA
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:
Complaint Part 2- Previous background : I applied for a refinance loan on a property with Freedom Mortgage in XX/XX/2020. My credit report was pulled for the first time with my consent in XXXX. Three months later, due to completely unprofessional conduct in regards to proceeding with my loan application ( Covid slowed the process down by a bit, but not to the extent that mine was delayed ),  the credit inquiry was close to expiring. On XX/XX/XXXX, I emailed the loan officer specifically about making sure my credit is not pulled a second time, and I was assured it wouldn't be. On XX/XX/XXXX it was pulled via Freedom Mortgage a second time, this was without my consent. Since XX/XX/XXXX, I've repeatedly requested to Freedom that this inquiry be removed from my credit report. They have not done so. ( At five months into the process on XX/XX/XXXX, I had no choice but to move on to a different lender, since Freedom still could not get to the point of closing the loan at the agreed rate and closing costs that I signed off on in XXXX, and it was clear that proper and respectful customer service was not a concern for them. ) Since it was pulled again in XXXX, my credit score has dropped 20-plus points due to that new inquiry. I was told by Freedom at the beginning of XXXX it would take 10 business days to remove. It's been over 50 business days, and after having yet another conversation with Freedom about it, it was clear it is not a priority to get it resolved, at my expense. 


Updated issue : Freedom justified credit inquiry by providing me a letter signed by the loan officer, XXXX XXXX, stating that I gave verbal authorization on XX/XX/XXXX for a second inquiry. That letter is flat-out lie. I never gave authorization verbally, or in any form, ever. I provided email transcripts between myself and XXXX, showing that I specifically told him a month prior I DID NOT want my credit pulled a second time, and XXXX saying after it was pulled that he would have the second inquiry removed off my credit report within 10 business days.

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 2022-10-17
Company: EQUIFAX, INC.
State: WI
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:
XX/XX/2021 {$27000.00}. I have tried calling and writing the company since i seen this reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: U.S. BANCORP
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I transferred {$770.00} from my ReliaCard from card holder services to my checking account on XXXX it posted to my account on XXXX. It was reversed on XXXX. I contacted ReliaCard and was told I needed to fax my ID in which I did on XXXX. I was told I would receive my money in 5 days and I have been trying to get it refunded since. I keep calling and talking to people and not getting help. I filed a complaint against card holder services. Finally a supervisor call me and said he would help., he told me XXXX XXXX  did the reverse and gave me a tracking number of XXXX and they have to refund my money. I can not get anyone to help me with XXXX XXXX either. I either keep getting transferred or disconnected.

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 2019-03-18
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:
I'm in the market for a home and my realtor ask me how's my credit i was thinking it was pretty good until i actually checked it. Upon checking my credit report i saw a couple of items that are not mine. I need these items removed from my credit report XXXX, XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm in the market for a home and my realtor ask me how's my credit i was thinking it was pretty good until i actually checked it. Upon checking my credit report i saw a couple of items that are not mine. I need these items removed from my credit report 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 2021-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Old incorrect Information on XXXX XXXX credit card still appears that affects my credit, I paid it off and closed it and its still appears as a negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act Credit Acceptance Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

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 2020-11-30
Company: EQUIFAX, INC.
State: NY
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 wrote a letter to equifax stating that I reviewed my credit report and found a negative item reporting by XXXX XXXX for {$130.00} that Im not the debtor for that debt, and I asked that they would conduct a full investigation into the matter and contact me by mail with the conclusion of their investigation. Equifax received my letter on XXXX/XXXX/2020, on XX/XX/2020 they said that they verified the negative item as a debt belonging to me but they have not showed me in any way the methods used to verify this debt and me being the debtor for this debt. I am contacting you so that you can help me resolve this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation