BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: TX
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 XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 orgingal creditor 11 SPRINT ) 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 states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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 : XXXX XXXX account # XXXX XXXX  XXXX Account # XXXX XXXX account # XXXX XXXX XXXX Account # XXXX Has validate 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 states consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX/XX/XX/XXXX my debit card was stolen while on a work trip in XXXX, New York In addition it was my contention that the thief was able to get my PIN. That thief, used the card throughout the XXXX XXXX XXXX area, charging up almost {$3000.00} dollars at 30 various different drug stores over a 3 hour period, making cash back purchases in small increments on average of {$50.00} dollars. I reported the fraudulent charges to the bank as soon as I became aware, as did my wife who is joint on the account. I filed a police report in XXXX XXXX XXXX and XXXX XXXX, CA, my place of residence. Upon review the bank rescinded the credits to my account and stated their judgement was based upon inconsistencies with my and my wife 's statements. As i mentioned to the back, I was not aware of how it was stolen, but merely giving them suggestions on who might have been the perpetrator. The bank investigators did n't not put forward a good faith effort to follow up on this claim, nor did the bank hold up their fiduciary responsibility to protect my debit card from this clear fraud while it was happening. Furthermore, while I still have an active police investigation, the bank has already rendered judgement. This matter will be resolved in civil court if I ca n't get the protection of the Bank in regards to my FDIC protected money. I wish to report the bank, the claims department and its management for gross negligence in this matter and I hope the CFPB can help me gain protection from a banks disregard for its primarily responsibility to protect my money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Experian Information Solutions Inc.
State: AR
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 have an account which was a medical debt with XXXX XXXX XXXX that 's completely paid off but has not been removed from my 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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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/XXXX I received a copy of my credit report and noticed some accounts that were not mine. On XX/XX/XXXX I sent in some dispute letters to the three credit bureaus ( Transunion, XXXX and XXXX ) asking to validate the inaccurate information on my credit reports especially the accounts that were not mine. I know they have 30 days to respond so I waited. I did not recieve any response from my investigation request but from Transunion. Transunion sent me a letter stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. I responded back to them by mail that the letter cam from me and I would like to have the items investigated. Still no response. On XX/XX/XXXX, I sent another set of letters to all three credit bureaus asking for validation of the debt on the same accounts. I once again recieved a letter from Transunion stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. Once again on XX/XX/XXXX, I sent another set of letters to all three credit bureaus on the same accounts. At this point, I feel my rights as a consumer are being violated any no investigations are being completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: EQUIFAX, INC.
State: VT
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 checked My Credit report on Equifax and seen a XXXX credit reported filed there..This XXXX has tried several times to report a fake report saying I owed this XXXX and They had been report to Vermont consumer affairs and was told they could n't do that and I had Disputed This XXXX Account several times even with XXXX..Now XXXX had XXXX XXXX XXXX file on Equifax I was never contact by this XXXX XXXX XXXX so i could dispute it with them..So I Filed a Dispute with Equifax and All I got from them is the had contacted them and I am not able to get on Equifax site to follow up with them or contact them or  such..XXXX  tried to add or change My Account so they could charge me more and I paid My last account and they tried to bill me more and I canceled My account with them and they was reported..I am not still able to get on Equifax site to follow up with them and Add anything to the Dispute and they have not done nothing to rectify this situation..I have still tried to get on the Dispute Site to check and file and its been over 30 days..I do not even have the account number to this Account or papers on it no more because this was back in 2014 and thought they was gon na grow up..This is the dispute file number they had giving me..XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: JNR Adjustment Company, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented a car with XXXX back in XX/XX/2021. I booked through XXXX, and paid for the care when I picked it up with my credit card. I returned the car after 2 days.. I recently received a letter in the mail saying the bill for the car rental went to collections. XXXX sold it to JNR Adjustments. They never notified me they were sending it to collections or anything. I called them to let them know I did in fact pay for this rental. They said my bank pulled the money back in XXXX. My credit card company, XXXX assured me that while they did pull back money from certain merchants due to a fraud investigation on my account, they rebilled the money back to all merchants that were valid transactions, including XXXX, and are mailing me the supporting documents. They are mailing me the bank statements that show the transaction for this XXXX XXXX did indeed go through, and I had already paid the balance off with XXXX, as I closed the account in XXXX. Per XXXX, I should get those statements in the mail in 7-10 business days. After speaking with a representative named XXXX at XXXX billing department again, not only were they incredibly dismissive, but did not follow through on my request to have a supervisor call me back, when I gave my call back number. Every time I called XXXX customer service, I waited anywhere between 1-2 hours for a representative to answer, only for them to have to transfer me to a supervisor, which caused another 1-2 hour hold. Finally, they told me there's nothing they can do since they sent the debt to collections, and I have to speak with the collection agency. I am extremely upset with how XXXX handled this. I am in the process of getting a student loan to do my XXXX program, and this would have completely ruined my chance. This will devastated my credit score, and me as well, if I wouldn't be allowed to take out my student loan. I am writing to you in hopes that this will be rectified, and does not happen again to anyone in the future. It's upsetting that this is my experience with my first ever rental from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: ALLY FINANCIAL 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:
On XXXX XXXX XXXX XXXX was hired by me to dispute a charge off with ally financial on my XXXX report. It is not almost 60 days later and no response to the letter requesting that debt be removed. It is not mine it is my ex husbands debt XXXX and XXXX have removed it easily. 
XXXX XXXX stayed both experian and ally financial were contacted and still not response. I have found ally financial to have handled the entire situation fraudently as the way it is reported is incorrect as well, they have not validated the debt despite repeated attempts. 
Anyhow the debt is required to be removed by experian according to FCRA due to ally ignoring the investigation and it still has not been done. 
My right to buy a home is altered by this company lack of efficiency with handling the matter as the continued disregard to remove keeps going on. Ally did not respond so remove it!! 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX mi 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
Consumer complaint received 2019-01-14
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am part of the XXXX Federal employees who have recently been furloughed due to a lack of funding for my agency. Because of this, my income has been severely cut and I am unable to pay the cost of my monthly payments, along with my other living expenses ( food, clothing, utilities, etc. ). 

On XX/XX/XXXX and XX/XX/XXXX I spoke with my loan servicer " Mr. Cooper, '' to request a temporary arrangement that would help me continue to meet my monthly mortgage payments in the amount of {$2300.00} without incurring late penalties and impacting my credit rating. 

In summary, Mr. Cooper will not consider my special situation ( or that of any of its Federal employee customers ) until I have already incurred late penalties and become delinquent because it is an intermediary ( loan servicer ) to the owners of my mortgage ( XXXX XXXX and XXXX XXXX. When I asked to contact XXXX XXXX and XXXX directly, Mr. Cooper clarified that I would have to do it via Mr. Cooper. 

I am extremely disappointed and concerned that my loan servicer Mr. Cooper coupled with mortgage owners XXXX XXXX/XXXX have not put a program in place to work with Federal employees while the government shutdown is resolved. Their current process of waiting for me to become delinquent adds to the hardship that my family is already experiencing. By charging me late penalties and damaging my credit, Mr. Cooper, XXXX XXXX and XXXX appear to be ignoring and showing ambivalence to the plight of their Federal customers. 

I have been diligent in protecting my credit and avoiding penalties I can not afford to pay. Furthermore, as a loyal public servant, I have worked hard, to be honest, and transparent with my creditors ; to make my mortgage payments on time and secure my home. I would greatly appreciate it if Mr. Cooper, XXXX XXXX, and XXXX would show willingness and understanding to work with me during this difficult time. 

I have sent Mr. Cooper a letter stating my distress. I would be grateful for any assistance the Consumer Financial Bureau can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The HEL is under my mother - in- law 's name XXXX XXXX Acct # XXXX who passed away in XX/XX/XXXX. My wife ( XXXX ) and I are executers of her estate. We visited the BB & T XXXX XXXX on XXXX XXXX on Saturday XX/XX/XXXX ( I think it was this date ) the Rep took all of our information including the death certificate and the paper from the XXXX County Courts show XXXX and myself as executors of the estate, we also closed the checking account. We were told that this would be taken care of and someone would give us a call, had never received a call back. I called again on XX/XX/XXXX and spoke with XXXX who said she had to send this in for research, still I have not heard anything. I called again on XX/XX/XXXX and spoke with, I think XXXX, who said that my wife and I were only attorney in facts on the account. This was not true since we gave all the paperwork showing that we were executor of the estate to the Branch employee. So it have been over a month and the HEL has not been closed and we have a negative balance of {$81.00} which is due to my mother - in - law 's estate. Can you please help get this HEL canceled so we can finally close her estate out.

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 2019-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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: 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 information incorrect

Complaint:
Two accounts on my credit profile are continuing to show wrong status & account balance. I have contacted the credit bureau before. 

XXXX - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I pulled my credit report because I'm looking to purchase a home and I noticed I have accounts reporting that does not belong to me. I tried to resolve this issue with the bureaus but I'm getting no where because they aren't governing the Fair Credit Reporting Act.

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 2022-06-11
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I continue to receive letters from " Discover '' noting that I have attempted to open a credit card but due to lack of information the application could not be processed. I have called the number on letter with no avail. With this being said, I did not request a credit card. 

Date ( s ) letter : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I made a mobile deposit to my Bank of America account in Nj of a check drawn on a XXXX XXXX checking account in CA which I hold jointly with my wife and sister who resides in CA. 
The check was for {$10000.00}, which is not an extraordinarily large amount for such deposit, as the last prior such check was for {$15000.00} which I deposited on XX/XX/XXXX without incident. Altogether deposits from the XXXX account into the BofA account ( including its pre-merger predecessors ) have been made periodically over all of the past 30 years without incident of any kind. 
On this occasion BofA has put a complete hold on the entire deposit for 12 days, despite my sister having confirmed with XXXX that the {$10000.00} check was cleared by them on the XXXX, which I have pointed out repeatedly to BofA to no avail. 
My credit rating is in the 800-850 range and I have had 5 different  mortgages with BofA on 3 different properties in 3 different states, all of which have been paid off or paid timely/never late. 
BofA will not tell me why they persist in this lengthy and complete hold despite having the funds from XXXX for this past week, and only say they have a right to hold a deposit for up to 10 days ( apparently at their whim as this is the only explanation they give me )

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 2017-09-13
Company: EQUIFAX, INC.
State: RI
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:
Equifax is not providing free credit reports. I made attempts for a copy of my report as well as placing a credit freeze and received messages that those tasks could not be processed. I need to ensure the protection of my personal information, now. How can we do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions 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 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 states a consumer reporting agency can not furnish a account without my written 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 explanation
Consumer complaint received 2022-06-11
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 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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I 'm waiting for a new card to come in the mail but my current one is still activated. I ca n't scan it through machines because the magnetic strip is damaged but I can still pay for things online. The only access to money I have is sending myself cash from my bank to  XXXX    XXXX   or moneygram  or to drive   XXXX   XXXX  hours to my bank. They have both denied letting me send cash to myself and I have a car payment and issurance payment right around the corner. I 'm extremely displeased and they even blocked me sending money to family or friends so they can pay my car and insurance payments. I 'd like this settle asap. I 'm in the military and believe I deserve more respect than to be denied MY OWN money that work hard for.

Company response to consumer: Closed with explanation