BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: Genesis FS Card Services, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Destiny mastercard all of a sudden now holds your payment for 14 days when they never did this ever to me & i paid off my account in full. I spoke with 2 reps both were clearly rude 1 hung up on me when i was waiting for a supervisor & the 2nd rep says oh we hold the money now, meanwhile i have XXXX babies who are in need of things & these people are being so stupid with holding my funds that i paid on XX/XX/XXXX they told me i can use my credit on XX/XX/XXXX which is complete XXXX. meanwhile my other credit card accounts were over the limit i paid them off & was able to use my available credit in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
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: Account information incorrect

Complaint:
XXXX XXXX continues to report inaccrate information on my credit report with XXXX Experian and XXXX the credit bureaus fail to protect me as a consumer and do not follow the proper guidelines like XXXX XXXX reporting different open dates

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
1 ) To check my credit score to apply for a mortgage refinance, I checked the Transunion website for a free credit report. I didn't intentionally subscribe to any ongoing credit monitoring, but was signed up for a {$25.00} per month monitoring service while trying to request a free credit score, which Transunion claims to offer. I saw the {$25.00} charge two weeks later, and called, having never used the service, to ask that the charge be reversed. They would not cancel the charge. They did cancel the service they say I signed up for ( which they would have charged me automatically, they said, every month ). 

Transunion told me that they did offer free credit reports, but through annualcreditreports.com, not the Transunion home page. You would need some special knowledge to know the website where the actual free credit report is available. 

This is deceptive. I had to enter my personal information to receive what I believed would be a free one-time credit report. Transunion used that information to charge my credit card and would have charged me every month without my knowledge, very similarly to many online scams. The subscription is listed in about 10 point font on the web page, but there is no way to get a free credit report from the Transunion website, as would be expected. 

2 ) Transunion, unlike the other credit agencies, has an incorrect past address from fraud that doesn't even actually exist. The address is from years ago, and was corrected, but Transunion still lists it.

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 2022-04-05
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my XXXX XXXX and noticed a collection opened by Cavalry Portfolio Service on XX/XX/XXXX in the amount of {$1500.00}. They never contacted me about this debt via phone or mail to tell me about this debt they are trying to collect. I sent them a Debt Validation Letter on XX/XX/XXXX to verify the debt via certified mail with USPS. On XX/XX/XXXX XXXX sent me a letter of dispute and said that they would write me again in 150 days. On XX/XX/XXXX Cavalry sent me another letter with the verification of my debt. They did not provide me with all of the validation requests I had requested in my original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Date:XX/XX/XXXX Im a visiting student of University XXXX XXXX , XXXX XXXX and I will go back to XXXX after this month. So I go to the XXXX branch bank of XXXX to cancel my XXXX account and withdraw my money ( {$1800.00} ) in my account on XX/XX/XXXX ( Please see the attachment 1 and 2, 1 is the receipt and 2 is the teller give me that day ). The manager of the Chase branch bank helped me cancel my bank account and let a teller ( a girl ) of this bank withdraw my money for me. The teller gave me {$1800.00} ( 18 {$100.00} notes ( in which there are 13 new version and 5 old version ) and 1 {$1.00} note and XXXX coins ). Later I gave the cash ( {$1700.00} ) to my roommate to help me pay the bill of my debit card ( the attachment 3 is the other {$100.00} note ( it is a new version ) I kept for myself ). When my roommate deposited the money, he found that 5 {$100.00} notes ( the 5 old version ) can not be deposited. He go to ask the teller and be told that the 5 {$100.00} notes were counterfeit. The teller and manager took the 5 {$100.00} notes and gave me some counterfeit note reports ( please see the attachments 4-8 ). I wanted to see the camera video of the chase bank to prove all the counterfeit came from the branch bank, but they refused. I also have the receipt in which there are the date, the amount, the transaction No., the session No. and cashbox No.. The manager of the Chase branch bank of XXXX just said they can not do nothing except the counterfeit note reports. 
I can not believe why I withdraw counterfeit from a formal bank. I dont know what I can do to get my money back. Im wondering if you can help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX XXXX asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my  XXXX credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor XXXX XXXX XXXX XXXX is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from XXXX, XXXX and Equifax, but that they also furnish said reporting agencies with the correct address information to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to do a Loan Modification with Ditech for over 20 months. During this process they would keep asking us for more and more of the same information we had provided already. We would call every couple weeks to get updates and all we were told is that we would get something in the mail. Then all we would get in the mail is that they need updated bank statements, XXXX, and profit and loss statements. we had already provided this before but then since it would take long for them to get back to us they would request it again. Finally when they did answer us it was with a Denial that we could n't modify so now we are in Foreclosure. In the mean time we did receive a letter attached that if we need help to call Ditech so they can assist us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit reporting act the following accounts have violated my rights : 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  15 U.S.C. 1681 Section 602 A States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, 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 sent a certified letter demanding the following accounts be verified or removed immediately. I received no response from Equifax. But I sent this request certified mail and it was received by them. I have waited the time allowed for a response. I now demand that the following accounts be deleted and removed from my Equifax credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX  XXXX / {$8600.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$0.00} / XX/XX/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 2021-05-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My complaint is against BB & T now Truist for fraudulent transactions and failing to honor our written agreement. On XX/XX/XXXX, I opted out of BB & T overdraft review for ATM / Everyday Debit Card Transactions. Included in the written agreement was the words that BB & T would not consider nor allow debit transactions when the funds are not available in the account. That did not happen. 
On XX/XX/XXXX, BB & T now Truist allowed a debit charge transactions in the amount of {$1300.00} when, BB & T knew the funds were unavailable. At that time the account had a positive balance of {$880.00}. 
This fraudulent debit transaction caused my account to instantly become negative by {$480.00}, creating a financial hardship for me. I am requesting a full refund of the {$480.00}, and any additional fees associated with this fraudulent transaction by BB & T now Truist. It is my understanding that BB & T had an obligation to honor our written agreement. If you have any questions or concerns please feel free to contact me at XXXX. 
I reached out to BB & T about this matter and was appalled at their response. I was not allowed to present any supporting documents, nor provide a rebuttal. I feel BB & T investigation was bias. Please see attachments.

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 2019-07-03
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: Their investigation did not fix an error on your report

Complaint:
I have filed several complaints about inaccurate reporting of my payments. The loan was paid in full and on time in XX/XX/XXXX. There are discrepancies between whats being reported to the 3 different credit bureaus. Twice XXXX XXXX XXXX XXXX ( XXXX ) took more than 30 days ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 70 days ) and ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 39 days ) to respond to my complaint and simply ignored the premise of the complaint. 
Although the account has been paid and closed in XX/XX/XXXX upon my disputes in XX/XX/XXXXand XX/XX/XXXX, XXXX has marked my credit report with a payment status for XX/XX/XXXX and XX/XX/XXXX. 
It is unacceptable that XXXX continues to ignore the FCRA, refuses to answer disputes within 30 days, posts inaccuracies to my credit report and behaves with impunity despite the fact that the loan was paid in full and in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: OH
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:
My identity was stolen back in 2002 as well as my kids I'm still working to remove XXXX accounts in my XXXX old son name. Someone filed 2 tax returns in my name. Also applied for so many credit cards it's been hard to keep up. It's been a stressful journey. Equifax hasn't been making anything easier. There a difficult credit Bureau to get fraudulent items removed. All they keep doing is " verifying '' the information. Even after you've sent them everything possible. Also reaching out to the companies that are reporting the fraud. They are even saying they reach out to get the item deleted but Equifax still doesn't delete the fraudulent items. I currently have a fraudulent XXXX XXXX account that says closed charge off and they have me owing {$2100.00} that account should have been removed years ago as well as a us dept of Education Fraudulent account showing i owe XXXX. XXXX ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have contacted XXXX in reference to a collection from JH Portfolio collection account reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. The original creditor deleted the account from my report. However, now JH Portfolio is now reporting. How is this legal to report inaccurate information when the original creditor deleted the incorrect information? On my police report I have even listed JH Portfolio as they are the company that is showing on my credit report. I have contacted JH Portfolio on several occasions as well to validate this debt was mine. I have received nothing from JH Portfolio except excessive harassing phone calls on a daily basis to my cellular phone. XXXX keeps stating that this debt has been verified however, I am unsure how this could be when XXXX has incorrect information listed in my credit file for my date of birth. JH Portfolio has also aged the account on my credit file for a date prior than when it originally appeared on my credit file. The JH Portfolio collection account is NOT my account and I request that it be deleted from 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 explanation
Consumer complaint received 2017-10-06
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Early XXXX 2008 talked with XXXX XXXX at Wells Fargo Bank XXXX XXXX, XXXX NE and gave a debit card deposit of {$490.00} to " Lock in the rates ''. A few days later we told him we were going wit another bank and asked for a refund. The refund was denied as it was to be for appraisal and credit report, of which neither was done. 
We are retired and live on social security and can not afford to loose the {$400.00}. We believe Wells Fargo deceived into thinking the deposit was to " Lock In The Rate '' for a period of time, as XXXX XXXX said, " The rates are fluctuating every day. ''

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 2019-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I'm working with a XXXX XXXX XXXX and they know about it before this account was place in collections, I enrolled in Debt solutions program, and I informed this company about my situation. So now this is impacting my credit or what is left of my credit I'm going to hardship time and this company din 'd work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( AR RESOURCES INC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX ) has been sending me collection notices in the amount of ( {$550.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: CORELOGIC INC
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am trying to protect my credit file and update the correct information address and status. 
the following address are not mine and/or incorrect. Please delete/remove the following addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove/delete them : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation