BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: CA
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 have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX/XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified, that the reached out the creditors/collectors and that information was verified or accurate. Nothin was done to my report, it's still showing inaccurate information. This is the inaccurate information that they are reporting to my credit report. 

Account Type - Detail : Incomplete Date Opened : Inaccurate High Credit : Inaccurate Credit Limit : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate Date of Last Payment : Inaccurate

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 2017-12-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am currently in the process of purchasing a Home and with that my credit reports were pulled. XXXX ask me if I had any negative accounts and of course my answer is no because I make on time payments. But when I reviewed my reports they show that I have one account that is negatively reported. I scroll to see what account it is and it says USAA. BUT HERE 'S THE TURN I HAVE A XXXX BALANCE ON THE CARD. So, why would it be showing on my file in the negatives. Status showed as account just being open. So, I sent a message to USAA to inquire about this issue. The response back was that I had a late payment back in 2015. But I also have records that I never received a statement for that month or previous. As it shows on my credit report as well because USAA is known to pick and choose each month rather you will have a statement and payment due or not. I only received a letter once payment was considered late. 

I reached out and asked them to update and correct this because my account is not in the negative and I hold no balance as well as out of the years I have been with them they have never given me a increase if though I always paid my balance off on time when they actually sent me a statement. 

Now moving forward to last month they did update the status but they also updated as being a delinquent account so it has made my score drop as it was updated as paid as agreed but delinquent by 30 days. I asked that this be removed. I have not received a response from them. This old incorrect information has made my score drop drastically and has caused for a stop in my home purchasing process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Halsted Financial Services, LLC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX never notified me about a bill due to my ER visit on XX/XX/XXXX. The XXXX XXXX XXXX i paid my copay and have a record of my bill was paid in full. However XXXX XXXX XXXX XXXX XXXX never notified me of a bill due. XX/XX/XXXX i moved to XXXX XXXX and did not reside at my location in XXXX. 
XXXX XXXX XXXX XXXX XXXX never notified me and sent my bill to a bill collector. they never sent to my current Insurance Provider XXXX and a bill was never processed through XXXX for XXXX XXXX XXXX XXXX XXXX. The Bill from the XXXX XXXX XXXX was processed and paid for the day of service on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Experian Information Solutions 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:
Experian is reporting two medical accounts that were already paid before going to collections. but they still continue to report them. XXXX XXXX account numbers XXXX and XXXX should have never been reported. Experian is the only credit report showing these and it is killing my credit.

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 2019-04-02
Company: CCS Financial Services, Inc.
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:
The full amount of this collection ( {$240.00} ) will be disputed as I do not ow any money. Here are the timeline of events : 1. I paid my XXXX XXXX bill on XX/XX/XXXX in the full amount due of {$210.00}. My bank transaction number is XXXX [ XXXX : EST ] XXXX Withdrawal a. I paid on a monthly basis every month to cover for the upcoming month. So, since I paid on XX/XX/XXXX, my policy would need to be renewed on XX/XX/XXXX. 

2. The amount due was paid on time with no added fees or dues. 
3. I called XXXX XXXX on XX/XX/XXXX to cancel my automobile and home insurance policies on the date of XX/XX/XXXX. The lady I spoke with on the phone stated that no money was due because of the fact that my last payment, which was paid on XX/XX/XXXX, was paid in full up until XX/XX/XXXX. 
4. A refund check was paid to me in the amount of {$470.00} on XX/XX/XXXX to cover the escrow amount due on my home insurance policy. 
5. On XX/XX/XXXX, my automobile and home insurance policies were canceled with XXXX XXXX. 


I requested proof of legal standing, and legal chain of custody, to collect the debt from XXXX XXXX XXXX ( CCS ). CCS mailed a copy of the same bill from XXXX XXXX that I sent to them and failed to send my requested documents. They did not send my requested documentation so I have no idea who they represent or if I should send them money. Since I have paid off my debt with XXXX XXXX, CCS is not legally allowed to request money from me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
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:
XX/XX/XXXX I was checking my bank account, and I noticed an extra account with my other accounts. It was a mortgage account. My husband and I do not have a mortgage or a house, we live with our inlaws, in Georgia, The owner of the house in question lives in XXXX XXXX, TX. I called XXXX XXXX, they said the would take care of it. I later called Equifax and locked my credit account. But seven months later it's still there. I talked to them on Saturday, in person, and they told me to call on Monday to the mortgage department. I called on the XX/XX/XXXX, and a male XXXX representative said he had around one hundred pieces of paper to look through to see if he can see the social of the true owner of the mortgage, and he will fix it and call me back before XXXX XXXX. He did not. 

I am tired of XXXX sending me bills month after month, asking for payment of a mortgage I don't have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-03
Company: JH Portfolio Debt Equities, LLC
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:
On several occasions I have disputed the XXXX XXXX XXXX account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. XXXX deleted this account in XX/XX/XXXX. This account has reappeared on my credit report XX/XX/XXXX. I disputed this account with JH Portfolio and they have responded with the following : XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company responded Status Company responded on XX/XX/XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as JH Portfolio Debt Equities , LLC 's ( " JH '' ) response to same. As stated in our response for case # XXXX, JH deleted the tradelines for the account in question in XX/XX/XXXX. JH reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, XXXX, & XXXX. JH utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, JH will submit a second " XXXX '' ( XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal. 

I submitted the above information to XXXX on XX/XX/XXXX.  On XX/XX/XXXX XXXX responded stating At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. 

It is extremely hard for me to believe that XXXX XXXX is continuing to verify inaccurate information that continues to tarnish my credit file.I also find it hard to understand how XXXX has verified this as accurate if per XXXX XXXX this is to be deleted. This back and forth has been going on for over months.

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 2019-04-02
Company: CORELOGIC INC
State: MA
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:
XX/XX/XXXX and XXXX a hard inquiry was pulled from my credit report without my knowledge affecting my credit score. I would like to have this removed or resolved if possible. This was possibly done from an online credit company doing a pull of my score without my permission.

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 2020-05-06
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:
I have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report.

All inquiries names listed below in EXHIBIT B are fraudulent. These inquiries were pull without my knowledge, nor my permission. According to section 605B of the Fair Credit Reporting Act, those fraudulent inquiries names listed in EXHIBIT B are due to identity theft and shall be remove from my credit report

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 2019-04-02
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX credit card- administered by Synchrony bank ; Per this card 's cash back rules 3 % cash back should be given for Travel expenses. However, only 1 % cash back ( which is meant for all purchases ) has been credited for my XXXX fare ; Here is the relevant conditions per Bank 's online info : " 3 % CASH BACK AT RESTAURANTS AND TRAVEL PURCHASES : You will earn 3 % Cash Back on Eligible Purchases made at Travel merchants located worldwide ( excluding warehouse clubs other than XXXXXXXX XXXX XXXX ). 

Travel merchants are generally merchants identified by their MCC in categories such as airlines, rental cars, hotels, passenger rail travel, bus lines, cruise lines, timeshares, travel agencies, travel sites and tour operators. '' Please take this issue up with Synchrony bank and rectify their mistake so that I can earn 3 % cash back on XXXX fare purchases Not the 1 % they have credited this month. As I would be incurring at least {$1500.00} annually in my commute to work, this is very critical for me. 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 2019-04-02
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having a legal dispute with my title company. The title company made a payment directly to the mortgage holder. The dispute is not resolved and I asked Wells Fargo to hold the money in a suspense account until the matter is resolved. Wells Fargo applied the money and will not reverse the funds. I have had another mortgage holder that had no problem doing this. According to Wells Fargo if the money was applied and I didn't call within 90 days to have it reverse then they will not do anything. I had many medical issues, a XXXX and XXXX XXXX, and was unable to make the call within the 90 days. Although according XXXX it was only 74 working days. 

Time period between XX/XX/XXXX and XX/XX/XXXX ( exclusive ) equals to : 111 days ... or 15 weeks & 6 days ... or 3 months & 20 days Between XX/XX/XXXX and XX/XX/XXXX ( exclusive ) there are : 74 working days ( 592 hours, assuming 8-hour workday ), 37 non-working days including : 16 Saturdays, 16 Sundays, 5 federal holidays ( US ) falling on weekdays Since they won't back out the money, I asked that all of the money be applied to the principle of the loan. Wells Fargo told me that most of it was applied to the principle but some went to interest and payments. They refused to change this against my wishes. I was also told that I could send in a Power of Attorney since my health issues prevented me from calling to reverse the money within their time frame.

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 2021-04-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a savings account with Barclay. Before they opened my account, they asked identity verification documents including state ID, SSN and bank statement for the account I used to open the account. After submitting the documents, they approved my account. I added two additional accounts of mine. Then they blocked my account and asking for further verification documents. I was waiting for trail deposit to arrive in my external accounts to verify them before they suspended my account. Now they say they can not verify ownership of those accounts, which is ridiculous. I already submitted enough documents to verify identity. They are unreasonably requesting further documents. I would be willing to comply if there were justifiable reasons for that, which I don't think there is. I think they are abusing the process and targeting me because I'm XXXX and because of my name.

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 2019-04-02
Company: EQUIFAX, INC.
State: GA
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:
Equifax is not letting lenders pull my report and when I call the say everything is fine on their end. I am trying to buy a house and they need this score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX  XXXX XXXX Late Date XX/XX/22, XXXX XXXX XXXXXXXX Late Dates 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 2019-04-02
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2019 at XXXX XXXX of XXXX XXXX I reloaded my XXXX XXXX card using my Visa Gift Card Purchased from Giftcards.com issued by Blackhawk network. The XXXX XXXX reload did not go through and it prompted me to be issued a refund of {$500.00}. I accidentally put it on a different gift card that was included in my gift cards.com order. The refund went through and brought VGC 's balance to {$1000.00}. I communicated with Blackhawk throughout the process and explained the situation with them. I then provided proof of the return that included a receipt with the amount ( {$500.00} ) and the last four numbers of the VGC. They then fraud locked the card and have refused to work with me demanding proof of purchase. They refused to accept my online XXXX transaction showing the reload and instant reversal, which includes the same XXXX XXXX Store in detailed transaction overview. My name is on the VGC and I have authenticated and verified myself throughout the process but have recieved no remedy to the situation and subsequently have had my {$1000.00} held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21, {$14000.00} was deposited to my account electronically direct deposit by a company I am doing business with. On XX/XX/21, I withdrew {$13000.00}. On XX/XX/21, I received an alert that my account was overdrawn. I logged into my account and it showed that the deposit on XX/XX/21 was attempted to be reversed. On XX/XX/21, I contacted the agent of the company that placed the {$14000.00} deposit. On XX/XX/21, the agent responded back and said that he would straighten out every thing. The same day I received an alert that my account had a positive balance. I attempted to make a purchase with my debit card and it was declined for insufficient funds. I logged into the account to verify this. I contacted the bank by phone and was told that my account is frozen. I have called the bank several times and have been told it is still frozen but the bank refuses to tell me why. On XX/XX/21, I went to the XXXX XXXX, Colorado branch and the bank officer called the person who put the freeze on my account, but that person refused to tell him the reason for the freeze. It was confirmed to me that the company who deposited the money on XX/XX/21, has NOT since XX/XX/21, attempted a second recall of the XX/XX/21 deposit. I logged into my account today and it shows an available balance of {$2500.00}, but my account is still frozen.

Company response to consumer: Closed with explanation