BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Chase XXXX XXXX XXXX victimized us by approving a modification then said ca n't make payments till new rates are figured out! XXXX a supervisor told me she told them not to say that anymore.Chase charged 19 % intr on XXXX part loan.after a year asked if I wanted to modify mortgage.then select portfolio servicing asked if I wanted to modify mortgage and gave me the runaround after I sent modification packets after packets completed packets, legal aid faxed them and knew they were completed.I 've tried mediation, dream home, making home affordable, FLORIDA hardest hit, bankruptcy told to poor to file for bankruptcy.for six years I got the runaround till sold our home at auction now facing eviction.Chase put payments in suspense account because of XXXX cents short charged late fees and ignored approved modification.Jammed foreclosure documents in the door jamb and singed and affidavit that he gave it to my wife when I found it in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: Mercedes Benz Financial Services
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: Account status incorrect

Complaint:
I filed a complaint regarding XXXX payment showing was 30 days past due on credit. I received feedback regarding months that were not in question. XXXX payment was due on XX/XX/XXXX payment was made XX/XX/XXXX. 29 days. Please delete incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: TX
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/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX 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 2021-10-06
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I sent letters to the credit bureaus regarding erroneous accounts I have in my credit report. Until now I havent got any actions from them I can still see those accounts in my credit report. It has been over 60 days so they should be deleted promptly. This situation has caused me to stress out and I need to have it resolved quickly. Thank you.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 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 2018-12-21
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018 I noticed that an auto draft for my mortgage payment with XXXX XXXX  had still went through on my checking account even though I had taken it off auto draft and made other arrangements to make my mortgage payment. I contacted Suntrust and they applied a stop payment and reversed the fees. However, on XX/XX/XXXX, I noticed that the charge had returned. This caused my account to go into overdraft and for me to not just have no money left in my account, but also to incur multiple overdraft fees. I was told I had to speak with employees at a branch and received virtually no help from them. By XX/XX/XXXX, I was told by the branch manager of the XXXX XXXX branch that Suntrust would rectify the problem in 10 days and until that time I will not have access to any of my money. This would include not being able to have any money through the XXXX and XXXX XXXX 's holidays. The branch manager I spoke with was extremely indignant, unprofessional, and didn't seem to have the slightest understanding of how to do her job. As of this writing, I have had to get a cash advance just to be able to pay my power bill. Suntrust has admitted several times it is their mistake and apologized. However, apologies don't put gas in my car, food on the table, or make sure my lights stay on. When it comes to actually being able to help me in some way ... ..Suntrust just doesn'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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 Fair Credit Reporting Act XXXX  accounts 1. XXXX XXXX XXXX # XXXX XXXX 2. XXXX XXXX  # XXXX  XXXX 3. XXXX  XXXX  # 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 permission.

I also have a derogatory mark that was caused account number 2. Listed above.

I also have disputed removing my hard inquiries from my account and they have not done that for me either.

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 2022-10-28
Company: Guild Mortgage Company LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Guild Mortgage This is about a Consumer Credit Transaction initiated on XXXX XX/XX/XXXX, with your financial institution executed by way of signing an Agreement " Document ''. As per 15 USC 6827 ( 3 ) " The term document means any information on any form. '' The provisions of 15 USC 6801 ( A ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 
In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic persona information to nonaffiliated third parties ( XXXX, XXXX, and XXXX XXXX. 
According to 15 USC 6809 ( 4 ) ( A ), the term " nonpublic personal information '' means personally identifiable information- ( i ) provided by a consumer to a financial institution- ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) Otherwise obtained by the financial institution. 
Furthermore, pursuant to 15 USC 6809 ( 5 ), the term " nonaffiliated third party '' means any entity that is not an affiliate of or related by common ownership or affiliated by corporate control with the financial institution, but does not include a joint employee of such institution. 
Therefore, as per the literal interpretation, the organization name XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 
In case your Company admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has violated the provisions of the FCRA ( Fair Credit Reporting Act ). 
Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. 
Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicated other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. 
Therefore, your Company ( Guild Mortgage ), has not only infringed my rights to privacy but also violated multiple Federal laws. 
I hereby request you to remove the following information from my Consumer Report : - Late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
- No longer report my nonpublic personal information to any nonaffiliated third party from this day forward. 
If you accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: WV
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on ( Provide Date ). They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every month I make 2 payments towards my mortgage. Suntrust mortgage holds the payments until I call and advise them that I've made the full payment. They charge me a late fee and they have heavy handed collection agents harass me every month. I have advised multiple times to multiple agents of my payment pattern to no avail. I I feel I'm being harassed by the collection agents for a debt I've paid. The representative who are on a call system told me they NEVER REVIEW CUSTOMER ACCOUNTS BEFORE THEY SPEAK TO YOU. That's monthly harassment. 
I have made the full and most times more than the minimum monthly amount, why the malicious collection calls? 
I received multiple collection calls in the same day which I believe is against the law if I've made payment. 
Once I advise the the ignorant annoyed disrespectful representative it can take multiple business days to be adjusted. Why am I being punished? 
The banks bi-weekly payment plan is cost prohibited. I'm unable to make 2 full payments in one month. 
Please assist me on stopping this collection harassment and total disrespect that Suntrust Mortgage.

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 2023-01-13
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:
When I investigated my credit report, I realized that an account was erroneous. The credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I disputed a few accounts numerous times on my credit report and I see the information is incorrect and it is still on my credit report the fair credit act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX a lemon as well XXXX XXXX As well as my bankruptcy were handled I asked them to remove it from my file my rights were violated 15 U.S.C 1681 section 602 A states I have a 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 with 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 non-monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: NY
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:
XXXX illegal holding my funds for an unsecured credit card ending in XXXX under a so called right of offset which by law doesnt include credit cards. The credit card was supposed to be charged off back in XXXX, I went through a divorce in XXXX that was the caused of my financial hardship during this time I requested a XXXX and was advised to write a letter stating a payment plan and they wanted XXXX or XXXX XXXX back than. and currently displaced homeless due to financial issues. I was in NC XXXX visiting my daughter when XXXX locked me out of my accounts without notice or warning and told me someone was going to get in contact me which no one reached out, I had to find a way to get back to NY and went straight to the credit union to see what the issue was, I was told to call XXXX XXXX XXXX because they was in control of my accounts and when I called them they said they dont have any record of my account. I recently received a phone call from a law office of XXXX XXXX XXXX XXXX, XX/XX/XXXX. I requested information about a judgment or what rights do this credit union have to hold my money in account with allowing me to withdraw draw but I can deposit. I was never notified of the last payment made in the date was the account closed and charged off, and who the account actually belongs too. XXXX XXXX XXXX settled on XXXX XX/XX/XXXX and still reporting {$15000.00} as if it is still an active debt and updating as if the credit card as if its active revolving the dates and month on the credit report doesn't have a correct dates on it which is Manipulating the Statue of Limitations and the account is time barred In accordance with the Fair Credit Reporting Act XXXX  accounts, XXXX XXXX account # XXXX, also account XXXX has violated my rights 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 also state a consumer reporting agency can not furnish a/an account without my written instructions.

ccordance with section 611 ( e ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C.

1681i ( e ), which was added to the FCRA by section 313 of the Fair and Accurate Credit Transactions Act of 2003 ( " FACT Act '' ).! The Commission is the federal agency with primary responsibility for compliance with the FCRA and operates a system for receiving complaints from consumers about possible violations of the FCRA.

The information on the credit reports are incorrect and the amount can not and will not reflect the true, creating unnecessary hardship Please delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, 2022, {$160.00} posted to my Capital One Savor credit card account after I made a phone payment to XXXX company of XXXX, OK for lawn services. The correct amount I owed XXXX was for {$120.00} ; creating an overcharge by XXXX, and a {$37.00} credit balance on my XXXX account. I called XXXX several times about the overpayment and credit on my account to no avail ; nothing was done to return the {$37.00} to my Capital One Savor credit card. I opened a dispute case with Capital One concerning the {$37.00}. Later I found out this case was closed, because I did not submit documentation proving the overcharge. I told the Capital One representative I received no letter or notification requesting documentation, and I then had a second dispute case opened with Capital One. I requested Capital One send me an e-mail link, so I could send a requested, signed form and proof of overcharge to Capital One electronically. I submitted the signed form and a copy of my XXXX bill/receipt. The bill/receipt showed what was actually charged by XXXX for XXXX, the Capital One Savor credit card payment, and the credit balance/overpayment on my XXXX account. I submitted this information to Capital One on Sunday, XXXX XXXX, 2022. XXXX Monday, XXXX XXXX, 2022, I received an e-mail notification from Capital One that my dispute case was again closed, because I failed to submit proper documentation ; even though I submitted the requested form and proof of being overcharged by XXXX. I feel Capital One did not use due diligence to resolve my dispute case properly, and I am asking the CFPB to please assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some incorrect personal informatio. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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