BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Convergent XXXX XXXX has not removed the fraudulent negative remark on my Credit report after Convergent fraudulently acquired my Personal Identifiable Information to collect on a debt of a 3rd party. It's still showing on 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 2023-10-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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 convergent account numbers XXXX, XXXX and 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. states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: KEYCORP
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
i was granted by the XXXX County court, XXXX CO Magistrate the Guardianship and Conservatorship to my sister. i was already her POA i contacted the bank to get access to her account/s. i could only talk to the branch where she opened the account, which is very odd. 
after many calls and messages left to the branch manger, they called back confusion of what exactly they requested. Branch manager kept adding in more documentation. because i was out of state i was told i needed to come in person and have papers with. then because i was out of state i was told to have the POA checked by an attorney including a notarized letter stating they were not tampered with. ( i did ) I always had to call and see if the UPS was received with docs, only received XXXX calls. i called expedite team, i filled with the XXXX and because of a her going into the hospital the case was closed... it goes on and on here 's the problem with our financial institution. FDIC too how can they overrid branch manager could of emailed me a list instead of me trying to track her down for answers. 
..since XXXX of XXXXalways in a meeting, out of office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 credit reporting act, the lists of accounts below have violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : account # XXXX, XXXX  XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : acct # XXXX, XXXX XXXXXXXX XXXX : acct # XXXX XXXX XXXX : acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX  : acct # XXXX, XXXX XXXX : acct # XXXX XXXX XXXX : acct # 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 a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-12-28
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I filed complaint XXXX when I had a previous issue with my escrow account. As a result, my account was manually credited for property taxes that were paid when I requested that they not be paid and my escrow account was closed. Now, XXXX is subtracting that credit from the zero balance of the closed escrow account, resulting in a negative balance and an increase to my mortgage premium to cover that balance. I feel that it's pretty unethical to fix a problem that was a result of their error just to close out a complaint and then try to charge that amount back later.

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 2023-10-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the recent letters were sent. Right now, I am not satisfied that Credit Bureaus have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please remove the account from my file ASAP : XXXXXXXX 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 2023-09-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In XXXX and XXXX of XXXX, mail was stolen from XXXX XXXX XXXX in XXXX, MA. Since the pandemic, it has become common for church members to mail offering to the church in the form of personal checks. 

Numerous checks were stolen including a check for {$1500.00} from me. We later discovered that XXXX XXXX allowed them to be deposited in an ATM without checking the ID of the person cashing them, without requiring an endorsement, and without ever verifying that the person cashing the checks was the person the checks were written to. 

The thefts were discovered and reported to police in XX/XX/XXXX. It is my understanding that the police have identified the suspects in the theft and a warrant has been issued for their arrest. 

I filed a claim with my bank, Citizens Bank, at that time. I have basically called them every couple of months since this time, and they are telling me that they have filed a claim with XXXX XXXX to return the funds to my account but that XXXX XXXX refuses to respond to them. 

Here are my two issues. 

XXXX. XXXX XXXX  ( and other banks, as well ) engaged in an appalling lack of internal controls with respect to deposits of personal check into their ATM system. If you go in person to deposit a check the teller confirms the names the check to the name of the person or account receiving the money. The fact that this doesn't happen for ATM deposits is irresponsibility bordering on the criminal. Quite honestly, the hassle that myself and the church have had to go through because XXXX XXXX refuses to do its basic job deserves a gigantic fine and a restitution paid to XXXX XXXX XXXX for its time and effort correcting XXXX XXXX 's massive security failure. 

XXXX. Once the fraud was discovered, that money should have been returned immediately to the people who XXXX XXXX  allowed to have money stolen from them. This shouldn't be multiple phone call and ultimately a complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: NV
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX Date Opened : XXXX  Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Exeter Finance Corp.
State: WY
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:
My loan is with Exeter finance, I just refinanced the loan with another local credit union and they overnighted a check XX/XX/XXXX and payoff was dated XX/XX/XXXX as of the XXXX of XX/XX/XXXX Exeter is claiming they havent received it but I am pretty sure they are holding to avoid refunding a portion. Also my original contract was 72 months and I did an extension for one month to bring the term to 73 when I had XXXX and couldnt work, but my credit report is showing a term of 74 months. Company will not fix this issue. As this will also negatively affect my payoff. They will be getting extra money by fraud and I wonder how many other customers they have done this to. Exeter finance should have everything audited and verified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Blackhawk Network Holdings Inc.
State: CT
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My Prepaid Center emailed me an activation code for the Prepaid Mastercard I purchased ( {$200.00} ). However, for the past hour I receive the following message : Oops. There's an error on our side. Please try again soon. 

I looked this up online and XXXX is filled with complaints about similar issues with this company. Many indicating the issue never gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I have filed multiple disputes with this agency. I have put them on notice multiple times that they are in violation of the privacy act. I need copies of the form SSA-89 with signature authorizing them to access the social security number and information. Not producing this form with authorized signature is aggrevated identity theft. The entity issued this tax identification number has only ONE NAME ( in proper form since your reporting for a living man individual and not a dead man or corporation ), ONE ADDRESS as listed on document attached. All other personal information is incorrect and needs to be removed at once. Your preventing the flow of commerce by incorrectly and causing harm by fraudulently reporting false information. There are multiple names and addresses attached to these fraudulent reports. This is causing much harm and injury to my person. I'm seeking remedy and removal of all items on report due to aggrevated identify theft and fraudulent reporting with no authorization to do so. Effective immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were approved for a new roof & other home repairs by our insurance company. Due to the amount of the claim, the initial check had to be payable to us, the homeowners & Freedom Mortgage. When I contacted Freedom to make them aware of the claim, they provided incorrect information about the process and procedure. Now, for the past month we have submitted every required document to them ( including our endorsed check from insurance ), yet they will NOT release funds for us to pay our contractor to even schedule us or begin the work. They are holding our insurance funds hostage! We have provided them with our contract three times, the contractor 's W9, a waiver of lien, their license, as well as the insurance adjuster 's worksheet indicating all approved repairs. They are indicating that they will not release any funds until we ( the homeowners ) write them a letter accepting financial responsibility for the repairs above & beyond the amount of the check ... the insurance company is intentionally holding back {$5000.00} for residual depreciation ( which we are approved for ) to make sure the contractor completes the work as prescribed. Yet, Freedom refuses to understand basic insurance laws. We are in Florida in the middle of hurricane season & they have already delayed our repair by more than a month. At this point, they are unwilling to release any funds so we can not even schedule the repairs. They are demanding this letter from us, even though they admit that this is not a requirement per their documents or website.

Additionally, they claim IF/WHEN they release funds, they want to issue the entire amount payable to us and the contractor, yet I do not want to give a contractor thousands of dollars without them having even started the work! Freedom Mortgage is absolutely ridiculous!

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 2023-01-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my Davids Bridal account in XXXX XXXX XXXX. It has since been closed. I called in XXXX because it was still showing in my credit report and they said it would be taken care of. It was not so I called again in XXXX and they said by the end of the month and it was not. I called again today and they just did not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/XXXX2021 I was paying my property taxes online for the XXXX of XXXX. I own two properties in the XXXX XXXX XXXX. 

While I was paying I mistyped the APN number to one of the properties, and made a payment on someone else 's property taxes. 

I immediately went to my local branch of Chase bank and placed a stop payment on this with the help of a bank employee. I was assured I got there fast enough and they would stop the payment. 

On XX/XX/XXXX I noticed the payment was " pending ''. I went back to the branch and was sent to a second branch to see the same employee that helped me initially. He completed a 2nd stop payment request and opened a claim. Again telling me that the payment would be cancelled with no problem, and the funds would not leave the account. 

The transaction has since been completed and the funds taken from my account. 

I issued two stop payments, made 7 visits to Chase bank, and made 3 phone calls to their claims line. 

They are claiming I took too long to issue the stop payment, despite being at their branch within 15 minutes of the online payment to the assessor being initiated. 
They have promised repeatedly someone will call me and rectify this problem, but no one has called, and the employees of the local branches say there is nothing else they personally can do to help, it has to come through their claims department who denied the claim. The branch employees say they have escalated higher internally but no one has responded too either of us. 

I have attached a copy of my banking history showing the payment was taken out, along with both stop payments I requested, XXXX and XX/XX/XXXX. Along with the receipt to the tax collector dated XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been working on my credit score and finally got it up to XXXX couple months ago then XX/XX/2021 it was a steady XXXX ; XX/XX/XXXX ; 2021 TransUnion dropped me XXXX points to a XXXX, because they said my one credit card increased by XXXX. But when I pay credit cards down they do not increase by 85 points nor is it reported.XX/XX/XXXX they also said my account XXXX XXXX decreases by {$140.00} yet I still dropped 85 points. They also say to maintain your credit score do not use more than total of 30 % total usage. They show XX/XX/XXXXmy usage is 29 % so how did I drop XXXX points. Total limit is XXXX. And balance is XXXX. 
I do believe some how this is systemic racism against minorities. My XXXX  friends score do not drop if balance on a credit card increase by {$90.00} and stripped 85 points. If do this with 4 more credit cards my Credit Score would be under 100. 
I havent missed payments in the last 7 months and TransUnion took 85 points off and even if I pay the credit card XXXX they will not increase my score by 85 points. I had this same credit card down to almost zero late XXXX early XX/XX/2021 and no increase with credit score. They just take drastic points off if you use. This takes months to achieve and they take 85 points off for one card not overall usage as they show under 30 %.

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