BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
NetSpend sent me a pre-paid Mastercard even though I did not apply for it ( and they state as much on the letter ). My identity was stolen several years ago and the thief attempted to take out many cards in my name. Sending me unsolicited cards is a huge security problem for me and I have gone to great lengths to freeze my credit to keep things like this from happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
THERE ARE TWO HARD INQUIRIES THAT I DID NOT APPROVE OF WITH THESE COMPANIES ON THESE DATES. 

XX/XX/2019 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2019 EQUIFAX XXXX EQUIFAX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: WELLS FARGO & COMPANY
State: KY
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 made a complaint on XX/XX/2018 with consumerfinance.gov to wells fargo and they said they would remove this off my report 30-60 days and its been over 90 and they have not followed through with what they said they would do. I never had a contract or gave these people consent to anything with my information. I need these hard inquiries removed ASAP 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 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Bankruptcy case number XXXX This is my second or third time asking TransUnion to show proof of how they have verified this account, and they have yet to provide proof, They only say " verified '' which isn't sufficient. It also shows me they aren't doing their proper due diligence concerning the matter. On XX/XX/2021 XXXX XXXX sent documentation stating that they removed the bankruptcy case XXXX from their report. After that, I sent a dispute to Transunion stating that XXXX XXXX has removed this account. XXXX XXXX is the company TransUnion report to verify bankruptcies. If XXXX XXXX has removed this account, Transunion is lying or not going through proper investigation to verify items like they are supposed to do according to FCRA Laws. My family and I have been in much distress because we can't get any housing and were being denied for everything we apply for. At this point, I don't know what much else to do for help besides getting a lawyer to 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 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent two letter challenging the accuracy of this account one on XX/XX/2020 and the other on XX/XX/2020, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. You have violated my rights under FCRA with a failure to place this items in dispute under section 623 and I demand it be deleted immediately. THIS ACCOUNT IS STILL NOT METRO 2 Compliant Delete Now Creditor : XXXX XXXX XXXX Account Number XXXX  *I HAVE ATTACHED BOTH OF MY PREVIOUSLY SENT LETTERS WITH THEIR CERTIFIED MAIL TRACKING NUMBERS AND A SCREENSHOT OF HOW THIS ACCOUNT IS REPORTING AS OF XX/XX/2020 WITH NO " dispute '' acknowledgment in the comments section.

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 2020-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I reported fraudulent activity on my visa credit card with Bank America. There were two fraudulent charges made on XX/XX/XXXX and XX/XX/XXXX at the same location in amount of {$39.00}. I filed a claim with Bank of America and they denied the claim with no explanation other than saying I have too many accounts with this pizza place, which makes no sense. I contacted them again and they said they'd have to file an appeal it would be another 45-90 days. In the meantime while I'm waiting for appeal, they added the two charges back into my account which is continue to accrue interest. Please help me with these fraudulent charges and unfair treatment from 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 monetary relief
Consumer complaint received 2021-06-22
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: Investigation took more than 30 days

Complaint:
Company has violated FCRA reporting multiple late payments of 120 days on accounts. Company has also disregarded numerous disputes of erroneous and inaccurately reporting items on my report. This company has had over 30 days to investigate which an additional 15 days to furnish their evidence they have not responded to the dispute I demand the comply with Fair Credit Reporting Act and remove these items.

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 2018-02-05
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX in New York has stated that their policy is to charge the customer {$2.00} anytime he or she uses the XXXX XXXX debit card as a debit card -- if you enter in your pin number to complete a transaction with your XXXX XXXX debit card, you will be charged {$2.00}. If I check out at the store, I need to select " credit '' ( even though the card is a debit card ) and sign for it, because if I enter my pin, there will be an automatic {$2.00} fee. If I use an ATM machine, not only does the ATM machine charge me its fee, but XXXX XXXX charges its own {$2.00} fee because I am using my debit card as a debit card and have entered in my pin number. I have called twice now about these fees -- - the first time, a customer service representative waived {$14.00} worth of fees ( incurred for not selecting " credit '' when using my debit card to check out at stores ). More recently, I had to visit an ATM machine three times over the course of a week, and then realized that XXXX XXXX   was charging me that same {$2.00} charge for every ATM transaction as well. I called customer service again and they explained that this is just their policy. I was not informed of this policy when I opened my account. A {$2.00} charge for every debit transaction with a debit card seriously adds up, and it seems like this can not possibly be okay. I think they have this policy set with the hopes that people will not notice the fees as they rack up. It has also been impossible to do bank-to-bank transfers from my XXXX XXXX   account since XX/XX/2017.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I paid the student loans off in full XX/XX/2020. XXXX XXXX reported to my credit a new consolidated loan and it's not accurate. I never signed any documents to consolidate the loan. I have copies of the cashier check and a receipt from the Student Loan department showing full payment.

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 2018-02-05
Company: Experian Information Solutions Inc.
State: MI
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:
Experian continues to include inaccurate information on my credit report. In 2017 I filed a complaint regarding the reporting of a tax lien from the XXXX XXXX register of deeds. I asked them to verify the validity of this tax lien. XXXX has complied and removed the erroneous information from my credit report. Experian refuses to do so. I am requesting that the tax lien from the XXXX XXXX register of deeds be 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 non-monetary relief
Consumer complaint received 2018-02-05
Company: DISCOVER BANK
State: NY
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 this XXXX XXXX XXXX of debt in 2015 to claim on my taxes. I got it after I filed my taxes. I ended up ammending them and claiming them on my taxes. I had to pay taxes on them so I have contacted Discover multiple times by phone and disputing on my credit report. They always come back with the information is accurate and will keep showing it on my credit report the way it is. I went and got credit counseling and they said what Discover is doing is illegal. They are showing a revolving balance and they charged it off and I claimed it as income. This has been an ongoing process for two years. I want it to show properly and not show a balance. This needs to be taken care of I will submit my proof along with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately : XXXX XXXX XXXX Balance {$2600.00} XXXX  XXXX XXXX XXXX Balance : {$1300.00} The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 explanation
Consumer complaint received 2021-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES 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 information incorrect

Complaint:
Made several attempts via mail to obtain debt verification however the company has failed to respond within the XXXX days as requested per the FCRA, companies failure to comply with the FCRA with the requested information is in violation ahd is damaging my credit as well as my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/18 called harassing me and my brother threatening to sue me and come to my home and demand payment. Called number they gave me told me I had to pay full amount said I couldn't at this time then rudely told me why I bothered to call

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have had numerous billings, collection notices, etc. from the XXXX XXXX XXXX XXXX for a bill that was paid in full to the service provider XXXX XXXX XXXX. I advised the agency that the bill was paid in full via check and cleared the bank on XX/XX/2018. This was before my first notice from them. They continued to send notices however and I offered to send them proof the check cleared and all I get is more threatening notices. I did not receive a response to my offer. 

What is most offensive is that there was a billing problem and XXXX XXXX advised me my physician should have used another code thus the bill would have been under Medicare AND not to pay the bill until it was resolved. Weeks went by and it wasn't resolved so I just paid the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: SYNCHRONY FINANCIAL
State: OR
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:
Received letter on XX/XX/19 dated XX/XX/19 from Synchrony Bank advising a request to open a PayPal account or make a purchase using the payment method on XX/XX/19. I did not request this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was shopping in the XXXX XXXX, SC Home Depot Store, ready to checkout. I was asked to apply for the Home Depot Credit Card and would receive a {$25.00} credit. After a long wait the Clerk told me my application had been denied and I would receive a letter of explanation shortly. 
I received Home Depots letter dated XX/XX/2018 ( Exhibit A ). They gave the reason for denial Account in default with lender or affiliate of lender. I wasnt in default with anyone, so this vague information did not provide much information. 
On XX/XX/2018, I sent a letter to Home Depot Credit Services ( Exhibit B ). Under The Equal Credit Opportunity Act, I am entitled to know why my application was rejected ; I am entitled to be given a specific reason for their denial. 
I have reviewed my XXXX  Credit Report. I have a 100 % on-time payment history ; there was no evidence at all of any default with anyone. In addition, since there was to hit for a creditor inquiry, I suspect my credit was not even reviewed. 
I have never received a response from them ; the incorrect information and the vagness of the reason for denial seemed to close to discrimination. Given that 2 months has since passed, it gives me sufficient evidence to confirm my suspicion of discrimination.

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 2021-01-21
Company: EdFinancial Services
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:
after reviewing my credit reports I saw that my student loan stated that I was 90 days late. The reports starts my payment history as 90 days but prior to the 90 days is has an on time payment history. If the account is reported as OK, OK, 90, it means that the 2 " OK '' payments are inaccurate. Prior to the month that states 90 days it should state 30 day late, 60 day late leading to my 90 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Better Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, Better Mortgage ( XXXX  ) collects escrow for payment of insurance, taxes, etc on my home that is mortgaged. When I checked  county website for tax bill disbursement, it showed that the bill is not payed and interest accrued XXXX {$120.00} XXXX on my the balance. When I called the Better.com customer service, I came to know that my account was designated as non-escrow ( XX/XX/21 ). This activity is illegal and against the compliance. Further, if I had not browsed the county website for my property tax bill, city/county would have filed a claim on the property for non-payment of taxes. I followed up with Better Mortgage ( XXXX  ) to understand who will incur the interest on taxes, but to no avail. Appreciate your help in the matter. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: DriveTime
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:
Drive Time ( " DT '' ) Credit placed a hard inquiry on my crdit report. The inquiry is reflected on my credit report with at least 3 major CRAs. I requested that DT provide me strict proof, including a signed contract, via U.S. certified mail. I requested a reasonable review within 30 days upon receipt of my debt validation letter. I have not received a certified response from DT. The hard inquiry has not been removed within 15 days of my letter.

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 2018-02-05
Company: ResidentCollect, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed chapter XXXX bankruptcy and it was discharged in XX/XX/2015. The debt was originally through XXXX XXXX for XXXX XXXX XXXX in XXXX, Ohio. The lease was signed before I filed bankruptcy. The debt was sent to a collection agency. As a result, my credit report reflected this debt that is no longer valid and had made my life horrible. Innovative Recovery is still holding this debt against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i have two credit cards with capital one ive been with them for years over 10. everything was fine for years then all of a sudden cap one change my due date then always changing my bill amount making me deliquent and always saying im one day late charging me late fee every month but i send my payment in on time and every month and im always a day late they say processsing time is the reason but i sent it 5 days early every time all my other credit card are on time no issues same process 5 days early please help me can you call me i think i can explain better whats going im being over charged by cap one call me please XXXX i can explain whats going on more clearly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Called, sent correct letters to remove incorrect information off my credit report, they havent sent any information verifying that the inquire is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was a victim of fraud, my bank card was compromised and someone deposited checks and withdrew them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 several times to obtain a copy of my free annual Trans Union credit reports. I did receive XXXX   and XXXX. I really need my Trans Union 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