BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-03
Company: U.S. BANCORP
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I have a us bank reliacard that my child support is deposited on. I had not used the card for some time to save up XXXX knowing my daughter was having XXXX onXX/XX/XXXX and i would have to pay the copay. I went to use the car at the hospital and it was declined. I went to a us bank location and it was declined there too. I called customer service at approximately XXXX XXXX and was notified the card was deactivated due to a unotherized deposit that doesnt match a withdrawal. After going through several managers i was told i needed to contact the the company making the deposit and cancel it. I called the company and they can not remove it as its been processed buy reliacard. I asked for the date of original purchace and it was a deposit of XXXX i paid for home security onXX/XX/XXXX. They held the deposit through my contract of XX/XX/XXXX. I then called reliacard customer service back and notified them of the dates and was told they dont keep records that long and XXXX would have to fax them all the info they have. XXXX does not fax but the could email how ever reliacard refuses to give me a email stating it can only be faxed. Besides that XXXX returned the payment with my card # that had expired in XX/XX/XXXXbut reliacard deactivated my current card that has a completely diffrent # and refuses to reactvate untill XXXX faxes them the paperwork. The management has refused to return my calls and actually had one manager lady tell me there is nothing i can do this is a goverment agency and my account is being investigated by their federal investigation department for money laundering. I am a XXXX XXXX with limited funds and rely on this money and in this circumstance for a childs XXXX. I have found hundreds of  complaints about Us bank reliacard for these exact circumstances. I have asked numerous customer service representatives, managers and supervisors for the number and name of this federal investigation agency but they all have refused telling me the dont have a name or phone number. There is something going on with this company that may not be legal and is certainly unethical. Ultimately they have deactivated my current card due to accepting a return of a deposit being returned with a card that expired nearly a year ago without notification. I dont know how im going to get the money back as us bank reliacard is unreasonable with their demands and telling me its my problem not theirs.

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 2017-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There has been several disputes submitted online and written to have inquiries removed, resulting in nothing being removed and Transunion stating they have been verified. i would like to be provided with the proof of verification as I do not recall authorizing these hard inquiries on my credit report. Under the Fair Credit Reporting Act, noone can request my credit reports without my permission. I would like to be shown proof that I in fact authorized these inquiries, or please remove from my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was in the process of selling my car and transferring an estimated {$14000.00} via a wire transfer to a chase account number from XXXX  XXXX XXXX, an account that I have had for 10 years. However, I did not realize that my debit card had not been activated and I was locked out of my account, which I corrected quickly. However, I scheduled an external account transfer of the {$14000.00} to my chase account to send the wire transfer as the dealership was insistent on the payment. XXXX XXXX XXXX finally allowed me to send the money, but I forgot to cancel the transfer within my Chase account and I had a negative balance. Immediately, I scheduled a transfer of XXXX to my chase to correct the problem but it was too late and I have found myself with a closed account. I am traveling and called immediately to promise a payment of this weekend - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2017-06-03
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: Public record information inaccurate

Complaint:
I have repeatedly attempted to get my accounts status corrected with Experian.     I was just declined credit due to the fact that there is inaccurate and erroneous information on my credit report. I have a Chapter  XXXX  Bankruptcy that was discharged in   XX/XX/XXXX  . They have an account that still shows as " Charged Off '' I just a ttempted ( XX/XX/XXXX  ) t o get credit and was denied. I was told that the reasoning is there is a charge off on my account showing. I have attempted to dispute AGAIN the status of this account and all I got back from them is " We have already investigated this information, and the source, creditor or public record has verified that it is correct. If you still have a question about it, you may want to contact the source, or if you have additional relevant information, click here. '' With no option to have this error corrected.  <P/> This account was included in my Bankruptcy and discharged along with other accounts that show a s " Status : Discharged thro ugh Bankruptcy  Chapter   XXXX . '' But fo r SOME reason this one car d shows as " Account  Charged  Off '' even though they were all part of the SAME Bankruptcy.  <P/> Experian is making it even harder by telling me there is nothing they can do as the company says the status is accurate even though you can tell just by LOOKING at it that it 's wrong. And today it cost me.  <P/> My next step is to file a FCRA complaint as there is no way that this account is " Charged Off '' there is no validation for that and of course..Experian does n't care.

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 2022-04-08
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 604 A Section 2 It also a consumer reporting agency can not furnish a account without written instructions 15USC 1681 602 A States I have a right of privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 604 A Section 2 It also a consumer reporting agency can not furnish a account without written instructions 15USC 1681 602 A States I have a right of privacy

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 2021-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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 filed a dispute with XXXX in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Midwest Fidelity Services, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Midwest Fidelity Services stating that i owed XXXX to a XXXX XXXX. I sent a receipt to them showing that the bill was paid in full. They refuse to take this off ofmy credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 50 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 30 days ; therefore, those items should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to the stress and mental anguish caused. Also, my information was impacted by the Equifax data breach and may have found its way into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
N accordance with the fair credit Reporting act XXXX  account XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX has violated my rights. 

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 sates a consumer reporting agency can not furnish a account without my writing instructions

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 2022-04-08
Company: Aspen Yo LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was in forbearance with XXXX XXXX and was sold to Gregory Funding. Once Gregory Funding took over my loan, they did not honor my forbearance and they are requiring payment of all of the amount that was put into forbearance. So they are saying that I am behind on payments and the entire {$25000.00} is due immediately. Even though I am making my monthly payments they are charging me a monthly late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, I mailed letters to the credit bureaus, asking them to investigate errors on my credit report. They are supposed to respond inside of 30 days, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
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: Old information reappears or never goes away

Complaint:
I had several deferred loan modifications with   XXXX   XXXX   XXXX    Between the years of  XXXX  and  XXXX . During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In  XXXX  I was one of the consumers who really could not afford a mortgage but was given a loan any way from  XXXX  loan and some time shortly my loan was transferred to   XXXX   XXXX  . I knew there was a law suite with   XXXX   XXXX   but I did not under stand why. Can someone please tell me where do I stand on this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: AXOS FINANCIAL, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Dear AXOS BANK Pursuant to 15 USC 1681A ( K ) your company AXOAS BANK have taking adverse action against me On XX/XX/XXXXClearly where federal law states it is a violation of my consumer rights, its clearly states 15 USC 1681 B ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit. it doesnt mentions a denial of credit it only mentions being denied for insurance or employment 15 USC 1681 A ( K ) ( i ) ( ii ). Your company used my credit card ( AKA SSN ) 16 CFR 433.1 ( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. In a consumer credit transaction 12 CFR 1002.2 ( h ) Consumer credit means credit extended to a natural person primarily for personal, family, or household purposes. I did not received & benefit in this transaction which is identity theft Pursuant to CFR 1026.12 ( B ) ( 1 ) ( i ). Your Company AXOAS BANK said in there letter that the reporting agency played a part in your decision. AXOAS BANK denied me credit and then False and Misleading me the Consumer by saying your company AXOAS BANK decision was based in a whole or in part on information that came from the consumer reporting agency which is XXXX. Pursuant to ECOA ( Equal Credit Opportunity Act ) Regulation that aims to give all legal individuals an equal opportunity to obtain loans and other types of credit from financial institutions/ lenders under Title 15 your company AXOAS BANK are prohibit by lenders in any aspect of granting credit to an individual. The acts purpose is to prevent lenders from using race, color, sex, religion or other non- creditworthiness factors when evaluating a loan application, establishing terms of a loan, or any other aspect of credit transaction. Organizations that have shown a pattern of discrimination can have lawsuits brought against them by the Department of Justice. CFR 1002.7 Rules concerning extensions of credit ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis AXOAS BANK your False and Misleading me the Consumer your company accept my credit application but claim Your company AXOAS BANK denied me the consumer credit Im giving you a opportunity to cure this matter 15 USC 1691 ( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: MoneyLion Inc.
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: Information belongs to someone else

Complaint:
There was a fraudulent account from Moneylion LLC listed on my credit reports from XXXX, XXXX and XXXX. The account was an installment loan. I did not obtain or authorize any such loan. I disputed the information with the credit reporting agencies and further filed an identity theft report with the FTC. The credit reporting agencies presumably conducted an investigation into the account, but the results of the investigation did not modify the fraudulent and incorrect information listed in my credit reports. I have made multiple attempts to contact Moneylion LLC. In my email communications with them, a customer service representative directs me to call a hotline and can not help me via email. However, the " dedicated '' hotline has a wait time of 300 minutes ( 5 hours ). It seems to me that Moneylion does not want to solve the problem. It also appears to me that the credit reporting agencies did not actually conduct an investigation and did not provide any useful information on the fraudulent account beyond a generic status update. Since this fraudulent account is now flagged as overdue, my credit score has dropped over 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
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: Their investigation did not fix an error on your report

Complaint:
On my credit report, it showed that I missed a payment of {$230.00} in XX/XX/2019 I believe. I later paid the bill when I logged into my XXXX online account and saw that it hadn't been paid yet for that month. XXXX always sent me a monthly bill in the mail reminding me of my monthly bill approaching. But I did not receive a bill in the mail the month of XX/XX/2019. I only later found out when I logged into my online account to check my lease maturity amount later that month. I never missed a payment for this vehicle lease for the entire contract period, and also paid off my lease in full after that. This was the only time I missed a payment, and it was because I never received a bill in the mail like I did every other month reminding me of my upcoming monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I had several deferred loan modifications with XXXX XXXX XXXX. Between the years of XXXX and XXXX. During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In XXXX I was one of the consumers who really could not afford a mortgage but was given a loan any way from XXXX loan and some time shortly my loan was transferred to XXXX XXXX. I knew there was a law suite with XXXX XXXX but I did not under stand why. Can someone please tell me where do I stand on this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My 2nd home mortgage for Citizens ( loan # XXXX ) matured on XX/XX/2022. The payoff amount of {$25000.00} is due in full and I am in able to pay it. I have requested advice and assistance on 6 -7 different phone calls to loss mitigation as well as loan refinancing departments. I have been told on 5 phone conversations that they would mail me a packet to fill out and they never have. I have also been told that my credit wouldnt be affected during this time, but it has. I have continued to make the monthly payments to Citizens and they keep returning them. I do not need payment assistance. I simply need for someone at Citizens to send my the information to fill out so I can modify this loan. So far I keep being transferred and hung up on and nobody seems to know what to do. Please help! 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation