BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Called transunion to dispute information on my credit report. Was told that they are experiencing higher than average call volumes. It was XXXX in the afternoon on a monday. This seemed unlikely to me, so when I got an agent I asked if they had some sort of report they could give me to verify they actually are experiencing higher than average call volume, and that they system was not just lying to me right from the start. Afterall, that would be indicative of a bad actor, and I don't want to engage with a bad actor. The agent then hung up on me. This wasted 12 minutes of my time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently while conducting a monitor of my credit report I discovered that Choice Recovery has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery but I am unaware of the amount due and the bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  to release my medical information to a third party. 
The following accounts that need to be disputed are as follows : 1. CHOICE RECOVERY : ACCT # : XXXX 2.CHOICE RECOVERY : ACCT # : XXXX 3.CHOICE RECOVERY : ACCT # : XXXX 4.CHOICE RECOVERY : ACCT # : XXXX 5.CHOICE RECOVERY : ACCT # : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
approximately  XXXX  of    2007 Peop  le 's United  Bank  I r eceived a 15 year loan of {$300000.00} for repairs on m y  XXXX family home.  I am in t he 11th year of   the loan and upon requesting a payoff statement for a closing to take place in approx. 2 weeks, to my astonishme nt People 's United B ank, CT has tacked on a pre-payment penalty of {$13000.00}.   A pre-payment penalty figured out by this bank without even showing me the formula used to calculate it. No interest rate. They say " the guys in secondary figure it out ''. I need help navigating this maze of Bank greediness and criminality. Please help. P.S. The loan payoff is approximately {$140000.00} so the  PPP i s close to 10 %. This I feel is egregious and should not stand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
My wife and i took out a pay day loan with Check and Go on  XXXX   XXXX   XXXX  we have been paying this account for months and months, we have been getting threatening phone calls from the number  XXXX  she is now saying that if we do not pay the amount owed they will issue a warrant for my arrest.   They will not send anything in writing to try and set up a payment plan with them. they only want us to pay up front, not even sure if this is a legitimate company. And now they are calling our work number constantly. Even after being told not to call our job.   We need help on this.   We have also contacted Check and Go but they said that this account has been sold and they no longer have anything to do with the account.       Thank you and have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: M&T BANK CORPORATION
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: Investigation took more than 30 days

Complaint:
I traded in my XXXX XXXX  XXXX and got financed for a vehicle ion which the finance amount was {$27000.00} after trade in .... i held on to the vehicle for 40 months with no late payments, i then contacted loan company ( M & T BANK XXXX XXXX XXXX XXXX, DE XXXX ) that due to family issues i can no longer support the payments. they sent a representative to pick up vehicle after i signed off on it, how ever i don't have that copy of paper any longer ... the issue is that they now reported to the credit bureaus that there's a late payment of {$5300.00} which i feel is wrong knowing i surrendered the vehicle and that i was never told of such actions

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 2023-09-02
Company: EQUIFAX, INC.
State: NY
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 was when my vehicle was broken into and my work items were stolen such as my business phone, I kno I can take the blame for not having a passcode on there but I did have all my bank information in my notes my SSN and etc .. i have proof of the truck the type of phone it was and everything my bank hasnt personally reached out to me with a call or anything dealing with my account so I didnt think nothing of it. I have my own trucking business and have a business bank account with Navy Federal Credit union .. so when I finally get back home after working a week I had mailed waiting on me saying different things about my account suspicious activity? Mobile deposit? knowing it wasnt me I called navy federal as quick as possible and told them everything they immediately told me it might not be anything they can do and I might be responsible to pay back the funds.. I ask them what funds the person that had my log in information mobile deposited a XXXX business check in my business account Im like thats impossible! I havent even worked that much with my business to even pay half of that! I applied for a loan to get everything up and and running and that incident got my account closed my loan closed I still have credit cards I have to pay on navy federal not even trying to investigate not even trying to work with me like I did this problem THIS IS FRAUD THIS WASNT ME I deserve to have another account I never been apart of any fraud I had this account for some years they said they was going to get bk with me but I havent heard anything yet! If I can get another account back open I can at least try to pay something on it but I desperately need my account back I can not lose this privilege payment plans or something

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 2023-01-24
Company: AMERICAN EXPRESS COMPANY
State: CO
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:
Last year I settled an account with AMEX at the time Off settlement I spoke with the representative at lengths about after I paid the balance it would be removed from my credit report. I have called Amex multiple times and spoken to supervisors that saw the notes on my account that certified they would remove this from my credit report. They have still failed to do so after i have called and repeatedly a supervisor verified they would remove the account from my credit report Also XXXX XXXX  is not reporting correctly the account. It is paid and full with a XXXX balance. I have repeatedly asked them to fix this and they havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
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:
Account on my report I do not recognize

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 2023-05-01
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Aldous & Associates, PLLC
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: Account information incorrect

Complaint:
Aldous XXXX XXXX XXXX Inaccurate and inconsistent date opened Payment Status on my report notates this account as a charge off, if this is correct, where is the required late payment reporting? There is no reporting of 30-60-90-120 etc. days past due as required to report a charge off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Because I should not include personal information, I will strictly be using initials. Full former ( maiden ) and current legal name will be provided upon request. 

I requested a credit report from Equifax on XX/XX/2019 - and discovered that they have falsely reported my maiden name ( former name ) as my current name, and my present legal name as my former name. To be more specific - I was previously XXXX XXXX and have since married, becoming XXXX XXXX Equifax 's records indicate I was once named XXXX XXXX, and am currently named XXXX XXXX. 

I filed a dispute with Equifax to correct my current legal name to XXXX XXXX on XX/XX/2019 by mail. With the dispute, I gave Equifax the following information : 1. NY State Marriage certificate to show previous and current names, 2. Copy of my Social Security Card showing my current legal name as XXXX XXXX, and 3. Copy of my New York State ID  showing current legal name as XXXX XXXX XXXX included a cover page which stated the mistake and the expected correction. 

Equifax sent me an acknowledgement of dispute received and its the dispute result on XX/XX/2019. The Equifax Dispute result shows Equifax refuses to correct my legal name to XXXX XXXX, and acknowledge my legal name change. There are consequences for this issue - which affects my credit history and future creditworthiness. 

I have a long history of credit under XXXX XXXX and since having changed to XXXX XXXX, I am unable to access the credit to which I am due.This is a proactive approach, because I know that under XXXX XXXX, there is no history with Equifax. A simple example of this is when I try to prove my identity over the phone and on Equifax 's website. They do not have a record of XXXX XXXX. - which means, that should I ever decided to leverage my good credit worthiness. I will duly fail. 

I would like to correct this on my Equifax profile. I have all pieces of evidence documented with a thorough paper trail, and seek your expertise to compel Equifax to correct their mistake. I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To whom it may concern, I went to the bank Truist to deposit {$800.00} to my bank in cash to the ATM. The date was XXXX,XX/XX/2023 The deposit went through the atm and showed up on my bank account like normal. Now Tuesday XX/XX/2023 the bank removed the deposit claiming they have never received the deposit. I went to truist, and they said they didn't find any record of it from the ATM. I asked them to investigate more about it because there was no way they were going to remove the deposit and say a month and half later it was never made. I called over the phone Today XXXX  XX/XX/2023 calling to ask what was concluded and what happened to the deposit. The gentlemen on the phone said they concluded the investigation and that the " analyst '' didn't see the deposit made. We kept asking him if they checked the cameras, if they did everything because I deposited that money but again, he was clueless didn't know what to say. As well as members from the bank have told me it has also happened to them. i want to speak to someone hire up and want them to investigate personally and show that camera that I deposited. THEY ARE STEALING, it is not okay.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-13
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX, account number : XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.

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 2023-10-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Secure Bank account with Chase in XXXX I graduated to a Total Checking and my account was closed with no explanation. Ive tried to reopen a new account and have been told that I can no longer bank with Chase with no reason given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-05-01
Company: EQUIFAX, INC.
State: CA
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 wrote a letter to company/Equifax on XX/XX/2023 listing the incorrect information stating the address are incorrect and I want them deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian has wrong phone numbers that show that I uploaded are not my numbers. 

I have not had no residential line. 

My only number is my cell number 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