BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: HANCOCK WHITNEY BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX XX/XX/XXXX XXXX I tried to open Hancock whitney checking account online using a promotion. It requires {$25.00} deposit from another bank. I tried to transfer {$25.00} from other checking account - one from XXXX XXXX and another from XXXX. It failed. I also tried to transfer from debit card but it didn't worked. 
Today I called Hancock whitney, they transferred me to online/digital team but they were also of no help. Only suggestion/help - to drive almost 20 miles to go to their branch to do this work. It's ridiculous that as a bank- Hancock whitney doesn't know how to do ACH or debit card transactions? 
Moreover- why not open the account and then ask customer to find it later ( within a week or so ). Other banks are efficient- i can always push {$25.00} from my other bank account to this newly opened bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-08-13
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold to Freedom Mortgage and at the time of the sale we noticed a {$700.00} increase in our payment. It went from approximately {$1100.00} to {$1800.00} a month. We immediately called when our payment was due to have the issue resolved and discovered that they added an insurance policy for flood that was already being covered by our condo association. We contacted our association and gave them all the information they needed to correct the issue. Next and to make matters WAY worse, they re-evaluated our escrow and submitted a tax code that included the taxes for the ENTIRE building not just our unit. Our new tax bill was {$53000.00} a year on a condo we paid under {$200000.00} for. This equals {$4000.00} a month. We immediately gave them the correct tax code and have been contacting them 2x per week for the past 10 weeks trying to get this taken care of and everytime we call we get a new person and a promise to have a manager call us back. After 10 weeks a manager has NEVER called us back. They are urging us to make the payment as is with all the extra charges or get a forbearance. We are able to pay what we are supposed to but refuse to pay for two insurance policies ( we have always paid through our association ) and the taxes -- I don't even know where to begin with this issue. We are now in default and I am worried about foreclosure, it is 2 am I haven't slept in over a week and need this issue resolved. I am so desperate I am actually considering selling the condo we love to get out from this nightmare. I am able to pay the correct amount for our mortgage and ready to pay for the 3 missed payments today! I need this issue resolved ASAP. Please help! Our credit is ruined and that also needs to be fixed.

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 2023-01-23
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I reached out to XXXX XXXX XXXX XXXX XXXX and Kia Motors America in regards of my fraudulent contract I signed for my XXXX XXXX XXXX. Under the federal law, it states these dealers can not mix cash with credit. I paid him XXXX in total for my down payment because my credit was not as great as I was told by the dealer. Reading the contra the bank gave me a loan for the amount of my car and insurance. I was demanded to get separate insurance and I was not offered insurance within the contract but the contract says not N/A. Which is also false and fraudulent. I have my contract, documents, and payment proof that I paid for this car. I demand my titles to my car that I also paid for in the contract that I did not receive. I demand my car be paid off and marked XXXX good standing to all credit agencies. I demand my cash down payment I paid to XXXX XXXX XXXX in Tennessee. I also demand my debit/ credit Car payments back from Kia Motors Finance 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 2023-05-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code 1681c-2 a Consumer reporting agency Shall block the reporting of any information in the file of the 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 as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S. Code 1681b permissible purposes 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 federal 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 2019-03-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XX/XX/2018 I received notice my payment due for XX/XX/2018 had jumped to {$540.00} which was almost {$320.00} more than what I had been paying the prior months. This was quite frustrating however I managed to figure out how to pay before it impacted my credit. My fiance was without work so I was struggling to maintain all payments and keep my credit from being impacted. During this time of trying to figure out how to make the XXXX payment I then received another notice of my payment due for XXXX which jumped all the way to more than {$1500.00}. As anyone can imagine this was a huge increase and if I struggled to pay the the additional {$320.00} I would not be able to figure this one out. I immediately reached out to American Express and asked what was going on as the payments had increased significantly. They indicated the amount due was because my pay over time balance was over the limit. I asked them what the limit was as I had received absolutely no detail on this limit and they advised {$4600.00}. I had not recently charged almost {$2000.00} so I asked for an explanation in which nobody could explain. I asked what assistance I could get as there was no way I could pay this by the required date to keep it from impacting my credit and I was told there was nothing. This was very disturbing. I have had a stellar payment history with them and all my other credit card companies. This was an unfair practice to a consumer. During my call I was also told - that I should have read my statement as it is in there. For those who pay online you typically never go in to the detail of the statement. This information needs to be transparent to consumers, not embedded and hidden. I would like to request the late payment for the XXXX payment be removed from my credit. I was able to pay the payment however I was 4 days over the 30 day mark. I did all I could to try to resolve however the company offered no assistance, was unwilling to take ownership in the misleading information, and seemed to truly not care. Not only did it hit my credit two months later I get a notice that they are lowering my pay over time limit to {$3100.00} because of credit score dropping - which was a result of their lack of informing a consumer. I also had another credit card company drop my limit from {$5800.00} to {$2100.00} because of this one late payment. I find this to be horribly unfair to consumer and they must change their way of how they handle this type of credit card with pay over time balance. I would hate to have another consumer in this position who truly could not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a previous complaint in which the company responded as to what they found in comparison as to what is being reported on my CRAs. From the company, XXXX XXXX clearly the company has made some mistakes and inaccurate reporting to the credit agencies. In the response letter submitted it clearly states that the account found was opened in XXXX of XXXX and the opening date reported to the credit agencies states that the acct was opened XX/XX/XXXX, which is it? The company also states that a balance is still owed, if the opening date is inaccurate, then the amount is inaccurate as well. I have not received any documents requested from the company showing accurate records of any account. Please remove inaccurate and/or fraudulent information from my credit reports IMMEDIATELY as this is in clear contradiction of what is being stated and represented on my CRAs. It is also in violation of my FCRA rights and is adversely affecting my life and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. I have provided documents that can prove it.

By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Account XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. there is some inaccurate information reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Amsher Collection Services, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2018 at XXXX XXXX. I contacted Amsher Collection Services about a past due account, We agreed upon a settlement amount with the conclusion that they were to send me a letter stating a {$0.00} balance and that it is to be removed from my credit. Although they tried to get me to pay the full amount AFTER agreeing to pay the settlement amount of {$760.00}, To date XX/XX/2018I have not received the letter. I contacted them again XX/XX/2018 and was told to email the supervisor XXXX, I have emailed twice, and once through their website this morning ( XX/XX/XXXX ), and called again on XX/XX/2018 at XXXX. Today ( XX/XX/XXXX ) I was told during a phone conversation that the manager just came in and once they opened their email they would respond to my emails, again they have failed to respond. Every time I have called in I have been notified that all calls are recorded so someone needs to go back and listen to their calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear Sir/Madam, Hi, I opened an account in chime on XX/XX/2022 and deposited {$200.00} in thre checking account for a chime secured card. On XX/XX/2022 without any reson they closed my account and didnt return my money.I ask them by phone and email for return but they refused to return my money. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Trans Union is reporting outdated information in my credit report. It is unknown how long they have reported the information, but some of it is more that 13 years old. I have disputed the information with them and in each instance they have indicated that the information has been verified. When I asked them to provide the method they used in verifying the accounts, including the name of the person talked to, the phone number of the person talked to and the address of the person talked to, they sent me a form letter which listed none of the information I am entitled to. Below are the accounts : Court Name XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Has a filed date of XXXX, and I understand that they go by the actual delinquency date and not the filed date, however the reason there is a XXXX balance on the account as of XXXX is because it was consolidated and XXXX now owns the the account under a separate account number. 

Court Name XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX XXXX {$0.00} Same as the account above except it has a filed date of XXXX. 

Court Name XXXX Docket number XXXX Record type Incl.  in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Same as other two Court Name XXXX XXXX  Docket number XXXX Record type Incl. in Bankruptcy XXXX filed XXXX, XXXX XXXX {$0.00} This was a XXXX account that was paid off in XXXX and was never a part of any bankruptcy. 

Court Name XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} This account was also paid off in XXXX and not involved in any bankruptcy. 

This seems to be an industry wide problem, as both of the other agencies were reporting out dated account in the Public Records section of my rteport, however XXXX  and XXXX corrected their information. It is only trans union that has and continues to report information that should not be a part of my credit file.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: MD
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:
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 accounts. 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 explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and Transunion are reporting an account that I paid off 100 percent as a charged off account! This is a MAJOR violation, and this is not legal whatsoever. I have tried numerous times to remedy this problem and you have come back and stated that this account was verified. How was this account verified when the data furnished from all XXXX bureaus are incorrect and inconsistent with one another? If this account is not removed from my credit report, I will be filing a statement of claim against your company. The letter I sent your company disputing the inaccurate information is attached which is dated and time stamped. I am demanding that the following account be removed from my credit report : XXXX 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 non-monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 results 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 identify theft!! Please delete these items as soon as possible! 

*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 These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes 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 vie rights as a federal 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 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon checking my consumer report I noticed charge-off remarks being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX never provided me with a 1099c form notifying me that my account was charged off. As for the UCC laws XXXX XXXX XXXX  also failed to follow XXXX by phone or XXXX XXXX for FCRA XXXX XXXX XXXX violated section 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. I also filled a compliment with XXXX. The report will be attached as 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 2023-09-13
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. I called XX/XX/XXXX to change my new address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My new address was never changed on time. I never received my XXXX statement and I received XXXX statement after the due date, which was XX/XX/XXXX. I sent the payment immediately, then I called them. They were able to waive the {$25.00} late payment, but they still own me $ XXXXlate fee. I have excellent credit score, XXXX plus and my credit score decreased. I want them to restore my credit, I dont have to pay the consequences for their negligence.

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