BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: NY
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:
The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My deferred interest payment plan with the XXXX XXXX credit card issued by XXXX   XXXX expires on XX/XX/XXXX. I mailed out a check on XX/XX/XXXX to pay my remaining balance of {$550.00} on the account. On XX/XX/XXXX, a finance charge of {$320.00} was added to my account with no notice that my payment was not received. I did not discover this until XX/XX/XXXX when I logged into my account. I paid the {$550.00} balance immediately using ACH and reached out to Customer Service multiple times to inquire on why I was charged 58.4 % of interest ( {$320.00} on {$550.00} ) without any notification. The APR on the account is only 28.24 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: MD
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX XXXX XXXX XXXX, Account name : XXXX  XXXX Acct # XXXX, Account name : XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Acct # 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 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 by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, I paid a final payment of {$48.00} to the original creditor.

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 2021-07-07
Company: EQUIFAX, INC.
State: LA
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:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: OH
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:
I am writing to demand removal of late payments from my account in accordance with us law. The FCRA reserves my right to privacy and in 15 usc 1681 section A2ai specifically states transactions and experiences are to be excluded from the report. I ask the all applicable laws be followed to preserve my right to privacy and credit worthiness. Thank you for your time and attention i hope you are well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please send the following information used to verify the validity of [ Manually type in the items you're wanting them to describe, i.e. ; identify item ( s ) by the name of the source, such as creditor or tax court, and the type of item, such as credit account, judgment, etc. ] : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: United Shore Financial Services, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife had set up auto-pay for our mortgage but there was an issue as we opened an additional savings and checking account to manage our money. We missed 2 mortgage payments. Upon discovering the error, we paid those two and our current months all at once. We are fortunate to have no difficulty paying our mortgage. In the process multiple payment reversals were accrued because the autopay account was insufficiently funded. In XXXX I also did a the mortgage payment manually on the website because there was no pending payment alert or anything signifying our new auto-pay has been implemented properly. The company treated it as a double payment, with the second one reversing. They informed us that 3 reversals means we must not give payment via ceritifed check. Despite my protests on the phone, the customer service rep ( who acknowledged that because it was a double payment reversal that we should be allowed to pay online still but that he was unable to change it ) said that I should submit payment this way a few times and then check back. I sent a cashier 's check via XXXX XXXX to the address provided. That paymeny was initiated on XX/XX/XXXX, and sent the following day XX/XX/XXXX. Payment was posted XX/XX/XXXX on my United Wholesale Mortgage account. I then received a notice saying that my payment was sent to the wrong place and therefore they had difficulty posting it ( However, it was posted within 24 hours of the check delivery, did not reference the loan & the original notice did not supply any of these directions ) and that I must mail my payment to a new address, a po box . Payment services like bank certified check delivery do not deliver to po box es. I have attempted to call UWM and their lines are down due to a technical error. I have attemped to reach them via customer service chat which is also experiencing technical errors. I believe that this is predatory and harrassing behavior because they would like to make fees off of late payments penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear Sir or Madam, I upgraded the chase checking account last XXXX to sapphire account with Chase to get the {$1000.00} coupon as they advised that if the balance maintains {$75000.00} for 3 moths on a sapphire account, we can get {$1000.00}. It is already 5 months I still didn't see the {$1000.00} coupon. By talking to customer service, they said because I only deposited {$72000.00} and the remaining {$3000.00} is a roll over from the old account and didn't been counted as new money. However, I was instructed by the chase branch banker that she upgraded my checking account, told me to write a check for {$72000.00} instead of {$75000.00} and promised me that I was all set. Now chase refuses to pay me {$1000.00}. To my understanding, it is Chase 's fault that they didn't train their employee well and misguided me. I shouldn't be the one to take the loss. Please help me with the issue. Thank you very much and I really appreciate it! 

Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20
Company: ONEMAIN FINANCE CORPORATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
My husband has a title loan with One Main Financial. I am not on the loan account. My husband was in the hospital from XX/XX/XXXX through XXXX XXXX. While he was in the hospital our family had NO income. He had originally authorized automatic payments to be deducted from our joint checking account to pay this loan each month. Since our family could not pay the loan in XXXX i called One Main to explain the situation. They would not allow me to stop the automatic payment because i am not on the loan account. I called the CFPB and spoke with a woman who advised I write to One Main revoking authorization to take the payment out of our joint bank account. I wrote an email on XX/XX/XXXX but it was not 3 business days ahead of the withdrawal, and they took the money out of our account. Our checking account had a negative balance for 4 weeks after this. One Main did not deduct the payment for XXXX, however they did deduct the payment for XXXX. I called and spoke with someone in the One Main office who stated that my email was not received, then he said that it was only effective for one month, then he stated that my husband gave authorization to take payments out again, which he DID NOT. My email stated " As of today I am revoking authorization to take automatic payments out of our 'bank name ' account on file. '' So now they withdrew every dollar in our account and I have no money to feed our XXXX  children until our next paycheck in a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a letter stating that there was a debt owed and that payment must be made or it would be sent to a 3rd party for collections.

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 2023-04-24
Company: John C. Heath, Attorney at Law, PLLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I paid {$120.00} on the XXXX of each month for a service that I was told that I needed. I even paid an initial fee to get it started up. The last date I paid was XXXX. I was told I needed to have the service for a couple of months before my credit improved and it never did. I was also lied to about the services that Lexington Law offered. I wanted the cheapest plan because thats all I could afford. I was told the cheapest plan was the one for {$120.00} but the cheapest plan at the time was {$89.00}. I didnt realize this until after I had paid months of {$120.00}. I spoke with another representative and he informed me of the lower plan. But I had spent so much money that I couldnt even afford at the time. I felt used and lied to about the entire situation. Trying to resolve the issue, I had no other choice but to cancel my services. I had my account since XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: SYNCHRONY FINANCIAL
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
An account was opened with out my consent. Apparently they wanted me to opt out of the agreement. Not only was it unwanted it also lowered my credit rating.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

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 2023-04-24
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone tried to cash a large amount of a check at a different bank than I use. It did not go thru. However, when reports or whatever banks report to for possible fraud Truist, who is my regular bank and has been since XXXX, froze all my accounts. Checking, savings, money market, and business accounts. The only way I knew something was wrong was when I tried to use my debit card to get gas and my card was refused. This happened around the middle of XX/XX/XXXX. I always have money in my accounts and do not go over. I have had to borrow money from my father to just stay afloat. I was NOT notified by Truist that something was wrong. NOT by phone, email, or regular mail. This is now the end of XX/XX/XXXX and still have had no notifications or communications with Truist. I have been into the branch numerous times and tried to get information. I have tried calling the fraud department and all I get is the run around. No one seems to know anything and I get transferred more times than I can count. Nothing, nada, zilch. I talked to my banker who has tried to find out information with me sitting there and Truist will not even tell her anything. My accounts have been froze, which means no money in and no money out. When this happens, how is a person supposed to live. You can't pay rent, bills, gas, groceries, medicine. What is a person supposed to do.

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 2022-10-19
Company: GMA Investments, LLC
State: WI
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: MS
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 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 2020-03-20
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I called XXXX XXXX  and headquarters. I explained that I had a error on my credit report due to an account open on XX/XX/XXXX for XXXX XXXX. XXXX representative looked into the matter but couldn't fine an open account for that date. so I was transferred to fraud and from there they managed to fine the account open on XX/XX/XXXX. XXXX XXXX fraud department then transferred me to a company called ''Convergent '' to dispute the open account that amounted to {$1100.00}. however, Convergent then transferred me back to XXXX XXXX fraud department and no matters were taken care of. I called XXXX credit bureau for 2 days with no form of a live representative. XXXX XXXX did inform me that the SSN on the open account does not match my own SSN and a different  address is used in the open 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 2023-10-16
Company: Experian Information Solutions Inc.
State: MO
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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