BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We took out a personal HELOC loan with SunTrust in XXXX ( at XXXX XXXX XXXX XXXX, XXXX, SC XXXX ph. XXXX ). We noticed in XX/XX/XXXX that our monthly repayment amount only showed our payment going entirely to interest and nothing had went towards the principle borrowed. We contacted our local branch manager ( XXXX XXXX ) whom we had signed the loan paperwork with and asked him to corrected this and update us later. He did contact his research department about the problem and he got back an unsatisfactory answer, the same thing then happened again with our XXXX payment and again he contacted his research department and they said that this because of the banks recent merger with Truist Bank. This still seemed wrong to us, as well as, the bank manager and he filed an official internal compliant. So far we have not heard anything else about this an we fully expect that our XX/XX/XXXX payment will also go entirely toward interest payment and none towards our principal! 

We had also noticed interest irregularities around the time of the merger about 8 months ago and never found out the reason for those variations 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 explanation
Consumer complaint received 2023-07-26
Company: JPMORGAN CHASE & CO.
State: NY
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:
I used my Chase Sapphire Card to charge a flight to XXXX on XX/XX/2023 with XXXX XXXX,. 
I had to cancel the trip due to medical emergency. The Chase ID number for the flight is XXXX XXXX. I called Chase to cancel the flight on XX/XX/XXXX. 

I learned through both Chase Sapphire and XXXXXXXX XXXX  that I am eligible for a refund for my trip because of medical reasons and was told by Chase to send medical documentation to XXXX. 
I did that twice on XX/XX/2023 and XX/XX/2023. 
Chase gave me a case number XXXX And a ticket number XXXX. 
I have been calling Chase Sapphire Travel repeatedly since XXXX XXXX and XXXX and they have not acted in a competent matter to get me my refund from XXXX XXXX. I have to use Chase Sapphire to act as the middle person to get my refund because I booked the trip with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-28
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would only like communication about this alleged debt through the mail or through CFPB. All other forms of communication about this alleged debt must Cease and Desist- to include phone calls, text messages, push notifications. This Cease and Desist also includes all collection activity on the alleged debt to include but not limited to furnishment to the Consumer Reporting Agencies, reselling of the alleged debt to 3rd Parties, or garnishment of my wages or bank accounts. This shall not be mistaken for a dispute or an attempt to not pay on any alleged debt. I simply want validation from the debt collector that the debt actually belongs to me. 

Pursuant to 15USC 1692G of the Fair Debt Collection Practices Act, satisfaction of debt validation includes : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

In addition to this, I also need the following : 1 ) Accounting ledger, transactional history, and full file of any other information you have about the alleged debt 2 ) Notarized statement of someone who has first-hand knowledge of the transaction and can testify this transaction was completed legally 3 ) A copy of the original contract signed by both parties verifying that I owe you, the Debt Collector, and not a 3rd Party 4 ) Please also provide me with a true and certified copy ( NOT photocopy ), of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold 5 ) Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorist Act 2009 and what actions s/he has taken in relation to this account. 
6 ) Please confirm if you are governed under the Gramm-Leach-Bliley Act or not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: Alorica Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
ALORICA, INC HAS BEEN REPRESENTING XXXX ON A LEMEON LAW CLAIM AND HAS FAILED VIOLATING THE ARKANSAS DECEPTIVE PRACTICES ACT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: MS
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 and Im the consumer submitting this complaint on behalf of myself without any third party being involved. The listed accounts was furnished without my written consent or authorization nor permissible purpose see attached with the identified companies who are improperly furnishing this information to my consumer report without lawful authority or my written consent which is a result of identity theft.XXXX  XXXX opened XX/XX/XXXX amount owed {$12000.00}, XXXXXXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX {$0.00}, XXXX XXXX opened XX/XX/XXXX {$0.00}, XXXX  XXXX BANKRUPTCY REF : XXXX XX/XX/XXXX. Incorrect addresses that doesnt belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX My only Address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Any address outside of this one needs to be removed from my consumer report immediately. Incorrect Employment info : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, Retired Pursuant to 15 USC 1681e ( b ) accuracy of a report is required. Pursuant to section 313b of the FACT Act it was enacted to mandate in a manner which consumer reporting agencies & furnishers of consumer information to the CRA 's are complying with the procedures, timelines, and requirements under the FCRA for the investigation. The FCRA does not require furnishers to report to CRA 's but if they do report to them, they must comply with certain provisions of the statute. You have 4 days in accordance with 15 USC 1681c-2 to remove this fraudulent information from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-01-21
Company: EQUIFAX, INC.
State: MO
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 have violated my federal protected consumer rights to privacy and confidentially under 15 U.S.C.1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681section 602, A : I have the right to privacy 15 USC. 1681 sec.604 A sec. 2 Also States consumer reporting Agency can not furnish an account With or without my written instructions 15 USC. 6168 C. ( NA ) ( 5 ) sec. States No consumer reporting agency may make any consumer you may report containing any of the following items of information, any other adverse item of information other records of convictions of crimes which Amendates the report by more than 7 years 15 USC. 1681 s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows Or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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:
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. 

XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 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 non-monetary relief
Consumer complaint received 2020-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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've spent 2 yrs cleaning up my credit report. On or about XX/XX/20 my transunion score dropped 81 points. The changes were my balances decreased by {$45.00}. My utilization went from 18 % to 4 % ..I have serial messages sent to transunion with no explanation whatsoever. They finally sent me a message saying my employment was updated. From my research your employment has nothing to do with your score. This has happened before with XXXX. My score dropped 101 points with no changes at all. Several people I've seen online are having the same problem.what doesn't make sense is it took me forever to get my score over 630-640. When I finally did. That's when they hit me with the drop.

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 2021-04-02
Company: VanKeef Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I started our home refinance on XX/XX/XXXX with VanKeef Financial. I was told by XXXX XXXX himself the refinance would be 45 days. It is now XX/XX/XXXX and there is no end in sight. The only requirement is for us to pay for another appraisal update due to Texas ' Disaster Declaration which we do not feel comfortable or fair that we have to pay since this should've been done long before XXXXXX/XX/XXXX snowstorm. All documents requested were submitted in a timely manner. We were only getting a response from VanKeef only when I email to ask for an update and each response came back with " We are working on the underwriting approval '' and sometimes no response. Calling them I do not get to speak with my Loan Officer or processor and does not get a call back. We have one primary home and one investment home that's paid off. None of our bills are behind and we have more than sufficient income to cover our expenses. There shouldn't be any reason this hasn't closed. At this point we feel like they are scamming us and just dragging their feet since they can no longer deliver the 2.25 % 15 year interest rate that we locked in at due to the market shift.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Company : American Express. 
Type of Card : Blue by American Express. 2 accounts.

Primary Problems : 1. Fixed rate was changed to variable rate without any notice, at all, and without my agreement ( I believe CFPB has fined Amex on this issue in the past. ) 2. Not only that, the base rate I was promised at time of opening the first account was also hiked without proper notice and without my agreement.

2. Excessive and unreasonable rate hikes made in violation of my rights under TILA and FCRA. Specifically, failure to restore APR rate after credit scores went back to the rate that they were before a score-based hike was made.

Secondary Problem : I strongly believe that American Express is discriminatory. Example : I have flawless credit history for the past 22+ years that I've kept account with Amex XXXX My credit scores, in that same time period has always topped XXXX and at one time reaching XXXX, XXXX percent of the time, only dipping below XXXX when I sponsored projects. Despite such remarkable record and in contrast to what expert authorities believe, American-Express fails to grant me appropriate credit limit amount, let alone a well deserved low APR, to meet my financial needs and goals, compared to the other companies I have accounts with. I am a XXXXborn US citizen XXXX I strongly believe Amex discriminates by race and by economic groups regardless how sound the credit background/history is. ( And I believe the CFPB has fined American Express for similar acts of discrimination. And I will be more than willing to assist the CFPB in investigating this. 

NOTE : this is not the first time that American Express has violated my consumer rights. Amex was not reporting my credit limit until I filed a Small Claims and then Amex credited me $ XXXX to drop the case. I did. Amex wants to do the same thing now but I refused because it seems clear that Amex knows exactly what it's doing and that it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I received a statement via mail stating that my account has been forwarded to our office for collections for {$790.00}, this notice came from XXXX XXXX XXXX. I Called XXXX right away and was told that amount owed on the statement is for property taxes, I asked XXXX XXXX for proof of this. Prior to this statement I was never notified of this bill there was no bill and no phone calls. On XX/XX/2018 I again called XXXX XXXX and was told that the bill was the license plate, I was given different information on XX/XX/XXXX and different information on XX/XX/XXXX. I  again asked for proof and an explanation for what this bill is for and why was I never informed the rep stated he will email me the information. To date I have not received any documentation. I no longer own this vehicle and have not owned this vehicle since XX/XX/2018. XXXX XXXX never contacted me thereafter, never sent me any communication until I received a collection notice on XX/XX/2018. I was unaware of this owing balance which XXXX claims I owe. I have a new vehicle and I think XXXX XXXX is trying to double bill me, this is why there is no proof and I have not been contacted prior to this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$25000.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$71000.00} ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX ; 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 2023-04-20
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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