BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-06
Company: Blackhawk Network Holdings Inc.
State: CA
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:
First, this is a prepaid debt card issued to me ( XXXX XXXX ) in the form of a rebate for an unrelated purchase. 
I have tried using the card multiple times for on-line purchases but find most vendors won't allow multiple payment methods ( ie : two different cards ). So I have been limited to a purchase less than the balance on the card. 

The debt card has a balance of {$15.00}. The card just expired XX/XX/19. 

I called the number ( XXXX ) on the back of the debt card and asked to reinstate the card that I may access my funds and was told the card can not be reinstated. 

Cardholder agreement ( https : //www.myprepaidcenter.com/site/visa-univ/standard/visa-terms ) states " After expiration of the Card, you may request issuance of a card with the remaining balance, minus a card issuance fee that will be deducted from the remaining balance ''. However Visa claims this can not be done with my debt card. I requested they send me a copy of the Cardholder agreement supporting their claim but they were unable to comply. I had spoken to a supervisor at the call center. 

To summarize, I have a recently expired debt card with {$15.00} on it. Visa is stating I must forfeit my balance to them. 

This is not a lot of money, but this sounds really wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was approved for a modification in XXXX for 40yrs in the amount XXXX a month. This was being paid to XXXX and then it was transferred to Rushmore in XX/XX/XXXX. I was never late with my payments. I received a letter stating I had to reapply since the transfer of servicers took place or pay all the amount I owed on the loan. I am currently sending them my payments which I originally was approved for and my statements shows the amount going into a special account versus lowering my principal. I did send the application they requested along with additional docs although i keep getting calls of the same missing paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX reference complaint XXXX. As of XXXX, I have been trying to get this collection which is fraudulent, off my credit report with TransUnion and XXXX. It still remains after they responded to this agency that they would have it removed. 
They are not a legitimate Service. They rejected my letter as attached and continue to ruin my credit. I was denied credit for a personal loan on XX/XX/XXXX from XXXX, which clearly states it's due to a Collection from XXXX. See enclosed. I am sick over this and will persue legal action against this place if not rectified.

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 2021-05-21
Company: Caliber Home Loans, 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:
I reviewed a current copy of my credit report and I show inaccruate payment information to home loan account CALIBER account number XXXX. This account has always been paid on time as agreed and never late. I have contacted creditor and credit bureaus to advised that no such late payments have been made. I am having trouble with send in dispute to have this updated for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX Have tried on Multiple occasions to get my free annual and now until XX/XX/2021 weekly credit report online and they will not allow me to get it. I have called on multiple days to request free credit report by mail or to fix online access they have not done so. They have mad me under the equifax lawsuit in federal court use all my free credit reports due to an issue on my acct they will not fix. the acct XXXX  XXXX XXXX XXXX does show charge off status missed payments and XXXX balance. that is incorrect and has been verified thru XXXX  XXXX XXXX to equifax on multiple occasions but they refuse to correct by law. they are in fcra violation on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I opened an auto loan in XX/XX/XXXX with Bank of America. I have always paid it on time, yet Bank of America reported to all 3 credit bureaus that I paid late in XXXX and XXXX of XXXX. 

I have a copy of my ACH automatic payment form that was submitted to Bank of America on XX/XX/XXXX, via the email address they gave me. 

During several phone calls, I have confirmed that the form was indeed received. 

However, Bank of America has continued to fail to withdraw the agreed upon payment via the ACH, and instead marked my account as paying late. 

When I received the late notices, each time I called and spoke to bewildered customer service reps who had me make payment over the phone, and told me they were sorry that they didn't withdraw via ACH as agreed. They told me to dispute the inaccurate late payments through the credit bureaus. 

So I disputed the false late payments as instructed, at all 3 major credit bureaus. 

And to my surprise, each late payment dispute came back as verified by Bank of 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 2019-10-02
Company: MONEY SOURCE, INC., THE
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We completed a FHA 203K remodel at XXXX XXXX XXXX XXXX, WA for your clients XXXX & XXXX XXXX XXXX and have not been paid by The Money Source , the loan holder and her hired FHA consultant XXXX XXXX has engaged in fraud and produced a fraudulent report, we hired an FHA Compliance Officer whom inspected the property and determined that nothing was wrong with it. Our payment is being illegally withheld. A copy of the report has been sent to the bank, ( The Money Source ) we are demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Nationwide Recovery Systems, Ltd
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Nationwide Recovery placed debt on my credit report without giving me a chance to dispute the debt. They have also stated on my credit reports that I incurred this debt in XX/XX/2020 and this is tantamount to fraud. It seems as though they are attempting to re-age a debt. This item must be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: JPMORGAN CHASE & CO.
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recently opened an account with Chase. I was referred to them by a friend.I'am highly disappointed, with lack of customer service i received this morning. One of the managers thought it was ok to hang up on me. While i was trying to regain access to my online account so i could link it with XXXX. Acoording to Chase they can't verify my account with my phone number or email until i have been a customer for at least 30 days. I have never heard of this with any other institution.This has been a major inconvience. I was directed to go into a local branch. However I'm out of town. I'm dismayed that the managers answer was tto hang up on me. Chase greatly lacking customer service over the phone. I have an amazing time opening my account in person. This is not a great start.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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 TX XXXX is showing up on all 3 of my credit bureau reports and I have not recollection of this account. I have disputed this with the creditor and the credit bureau 's and nothing has been done on the accounts. XXXX, XXXX, or Transunion has furnished the information that I requested to proved and validate that this debt belongs to be. All the furnished was a statement stating that the verified it was my account and when i asked for the documents showing that this is my account the have not yet provided this information to me. The are reporting two accounts one as paid and closed and one as charged off. This information is incorrect and not true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.

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 2018-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Capital One Bank has claimed that Account ending in XXXX has been charged off {$2900.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: MoneyLion 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 contacted this company on XX/XX/XXXX regarding why my payments are being reported late on my credit report, spoke with a manager by the name of XXXX who informed me that I was correct my payments were not being report correctly and were not late, that it was due to a system glitch that my payments were being rejected. She informed me that she has submitted a dispute to have the negative remarks removed and insured the issue would not occur going forward. Since then I have been making more payments to my account and loan that are still being marked as late and in collections with my credit report. Im certain my consumer rights have been violated by this company unethical  way of applying my payments and reposting them as past due when they have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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: Account information incorrect

Complaint:
XXXX XXXX HAS BEEN CAUSING ISSUES ON MY CREDIT ALL YEAR LONG THAT HAS CAUSED ME FINANCIAL LOSS AND OPPORUNITY. THIS ACCOUNT HAS ALWAYS BEEN PAID SATISFACTORILY. ALSO, XXXX IS FURNISHERING MULTIPLE VARIATIONS TO EACH CREDIT BUREAU. THE XXXX XXXX ACCOUNT IS BEING REPORTING DIFFERENTLY TO XXXX, EXPERIAN AND XXXX AT THIS TIME. MORE SPECIFICALLY WITH EXPERIAN. PLEASE SEE XXXX EXPERIAN REPORTS ATTACHED. 

REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 
REPORT DATED XX/XX/2022 SHOWS XXXX LATES WHICH IS HOW ALL XXXX BUREAUS SHOULD BE REPORTING. 
REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 

PLEASE DELETE THIS TRADELINE FROM MY CREDIT ASAP AND/OR REMOVE THE LATE PAYMENTS.

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 2022-08-06
Company: EQUIFAX, 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:
I have been submitting letters last XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Equifaxs end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  account number XXXX Is being reported on my XXXX  and Transunion credit report ; This account does not belong to me. I have made every attempt to notify the company and ask for its removal. The company has yet to do so. I need this account removed immediately.

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 2020-05-30
Company: I.C. System, Inc.
State: NE
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:
A collection account was removed from my credit report from IC System. My credit score did not increase at all from the removal of the collection account from my credit. My credit score should have increased at least 23 points from the removal of the collections 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 2020-12-10
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX  / XXXX and Experian are reporting an account on the credit report that I have been trying to have updated or removed for specific reasons. My rights are important to me and understanding that they are deliberately ignored is not something that I am okay with. 
There is an account with XXXX  XXXX and this account has a lot of missing fields, inaccurate balance, payment amounts and payment months. I wrote to Experian so they can communicate with XXXX and all they did was confirm they received the dispute and leave the information reporting. I have a screenshot of the errors and have highlighted them problems. 
An investigation already should have taken place so the account should report accurate and up to date information. There should be no investigation happening now unless they lied about the previous investigations they said they had. Either one still violating the fcra that protects against type of abuse in reporting. This account needs to be removed promptly. I need a response from Experian and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: National Credit Systems,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: Their investigation did not fix an error on your report

Complaint:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TD BANK US HOLDING 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: Information belongs to someone else

Complaint:
This account does not belong to me. It was opened on XX/XX/2015. 

TD/TARGET Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We obtained our first mortgage from Citi mortgage in XX/XX/XXXX at the start of the mortgage crisis. We pay XXXX for our home. We were fine until XX/XX/XXXX when I was laid off from my XXXX  job. Our house hold income decreased by 60 %. We were not able to keep up with any of our financial obligations. I collected unemployment from New York State. We could buy food and pay our utilities. I reached out to Citi mortgage for assistants and was not provided with any help. I applied for several modifications which did not help because we could only afford about {$500.00} per month. Our mortgage payment was {$2800.00}. Citi asked us to send documents upon documents every month. We were told that our documents had expired and that we needed to resubmit all documents. This happened 3 separate times. We were given the runaround. Citi mortgage was unable to help. In XX/XX/XXXX when attempting to reach out to Citi mortgage to try to modify the mortgage again, I was told that All bad debts were sold off and Citi was no longer servicing my mortgage. I had no idea what this meant. Three weeks later we received a Welcome packet from XXXX. at this point we owed more on our mortgage then the house was worth. The transfer caused a delay in the modification process but pre-foreclosure notices and repeated phone calls continued to be received daily. The ideas of losing our home and not having any place to live was extremely upsetting and XXXX XXXX. I became ill and was unable to look for work due to XXXX XXXX and XXXX. This added to the XXXX of finding a job. The house is currently worth XXXX and we owe more than XXXX. We filed for bankruptcy in XX/XX/XXXX and we still have a lien on the house. My health is still affected by this ordeal and I continue to take medication for XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/XXXX I was denied credit due to a newly reported, erroneous item on my credit report. I immediately used XXXX and XXXX online to get a free copy of the report and initiate a dispute directly with those services. 

TransUnion appeared to not have a way to do this, so I tried to get a free report via the XXXX but I somehow failed the verification process. After more XXXX I thought I found how to request directly from TransUnion and it made me create an account and provide a credit card number though didn't say what would be charged. Of course I passed their verification. 

Upon login it appeared I had been signed up for a XXXX XXXX/month service without my knowledge. I completed the dispute on my credit report, requested cancellation of the service which only provided cancellation of the auto-renew. 

After speaking with " XXXX '' in their overseas 800-customer service center he immediately said he would cancel the first charge on my credit card and insisted there was a way to sign up for a free account online that did not require a credit card number. 

A quick web search indicates that TransUnion has a history of doing exactly this and has agreed on a number of occasions to stop this deceptive process. They have not.

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