BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: TRUIST FINANCIAL CORPORATION
State: AZ
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:
I disputed my auto loan that was repossessed and charged off with Regional Acceptance. I submitted XXXX finalized divorce decree through XXXX to them that stated my ex husband is to be in charge of the remainder of the debt and Regional Acceptance will still not remove this from my report despite having a copy of a legally binding document.

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 2023-08-17
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received a call, they explained to me that they are trying to attemp to collect a debt, I am personally sure that I have paid all my bills and I have no debts pending. 
I have requested a written letter with details so I can understand where this debt is coming from but the lady who was on the phone refused to send me that information, after that conversation I found out that I have a new collection on my credit report, that is not right, they are not clear and they refuse to help support with more documentation, I expect from you to remove that wrong debt from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Greetings, I can not locate two CDs ( {$4000.00} and {$6000.00} from Bank of America in XXXX, XXXX  on XX/XX/XXXX, XXXX. I made several attempts to locate them, to no avail. Requesting " HELP ''.

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 2021-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 XX/XX/XXXX my wife and I went to XXXX XXXX XXXX in XXXX Florida very sick with XXXX  XXXX. The Urgent Care Provider asked us to paid {$75.00} each for our deductible total of {$150.00} to see the doctor. Two days later our XXXX XXXX tests confirmed according to XXXX that were suffering from XXXX XXXX. Per the CARES Act our medical insurance Provider is responsible for 100 % of our care due to XXXX XXXX. Our insurance carrier XXXX XXXX XXXX XXXX XXXX  confirmed in our claim statements that both my wife XXXX and me had no financial obligation to XXXX for the charges they made on our credit card and we were due a refund of {$150.00}. 

XXXX does not return phone calls left to their billing department so on XX/XX/XXXX we disputed our 2 credit card charges with Capital One. On XX/XX/XXXX I talked with XXXX Final Dispute Mgr at Capital One and she told me she would NOT ask XXXX for any documents regarding our disputed charges and without going forward to see if XXXX would honor our dispute and refund our money she simply denied we had any recourse under the CARES Act or various CFPB Guidelines that has dealt with XXXX  XXXX issues. Capital One totally ignored two Federal Laws by denying our disputes without fully investigating our claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01
Company: Block, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This is not a duplicate complaint technically seeing is that Cashapp has responded and had these complaints closed without addressing the issue typed and it seems this Consumer Department is helping them do so. So here is the complaint for the company to address. I was harmed on both XX/XX/XXXX andXXXX XXXX, XXXX in Wisconsin because my financial institution Cashapp who operates out of XXXX XXXX, CA let funds go from my account even though I did not have enough funds to make the purchase the merchant displayed one price and charged another. It does not appear to have went through any various of incremental price adjustments. Just flat out charged more than what was in my account. Held my funds pending for days. At times when someone I owed came to collect there money I couldnt pay that person and we got into fisticuffs I received bodily injuring blows and at one point I was having an anxiety attack paired with a sciatic nerve in my back that restricts my inhalation and I could not remove myself from the situation because my life was being threatened by my body. These transactions technically completed because the merchant had to cancel them. These transactions were completed not peer to peer and was made with their cash card liability belongs to Cashapp without a doubt. I do not have a borrow allowance for sure and stock round ups accumulated or a lack there of because of these transactions being initiated and technically paid to the merchant. If I didnt faint my heart would have arrested completely to my knowledge. All of this has caused me Extraordinary Emotional Distress as well as pain from what I encountered on the day. My body and mind paid and is paying the overdraft fees of these transactions and the app told the truth of the matter despite everything. It didnt expire it was canceled. It wasnt declined because it wouldve never been there to have been released on another day and would read specifically NOT ENOUGH CASH https : XXXX information in this link is, to me, quintessential to understanding where I am coming from. This department can not close this claim without Cashapp properly addressing this matter and going further with nothing other than them remedying the situation. Do you Cashapp disagree that in order for something to be canceled that cash would have had to been posted? Do you Cashapp disagree that in order for Something to be voided that XXXX would have been had to have been posted in any form or faction?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a home at XXXX XXXX XXXX, XXXX, NY XXXX in XXXX, taking out a mortgage with Chase. I have since refinanced the said mortgage twice through Chase with Home Equity Loans. At this time, I have sold the property. During the sale process, the title search came up with a lien on the property from the original mortgage that went back to XXXX. XXXX Date of the initial equity loan ) I need a lien release for that mortgage from Chase in order for the house sale to go through. In talking with Chase for two weeks, they have been unable to find any documentation whatsoever on said mortgage. It is quite obvious that there is no outstanding balance on this mortgage, as Chase has not come looking for me in 28 years. Chase will not return calls at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: TX
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 would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA.

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly take a look at the attached documents. I'm urging the bureau to commence an investigation into these accounts where I have always made timely payments, but they are incorrectly reporting me as late. It is unfair considering my consistent efforts to pay these accounts on 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 non-monetary relief
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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:
I have been fighting the fraud accounts on ny credit since XXXX. I have sent police reports and even letters from XXXX other credit bureaus that confirms my identity has been stolen. Experian continues to allow hits on my credit even after I sign up for notifications and alerts!

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 2022-02-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was on my way to yoga dropped my pocket book rushing, no big deal! I put everything back and wenf to class. 
When It was time fo return to east coast I realized I didnt ha XXXX my social security card that I had in a separate compartment. I received an alert from someone attempting to make purchases with a card I may not have retrieved and now I have miscellaneous accounts reporting on my reports that wasnt there prior to me dropping my bag. Im afraid for my identity as it may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS - Specialized Loan Services - a XXXX XXXX lender served me with foreclosure paperwork dated XX/XX/2020. Ive been advised that the CARES act stops foreclosures after XX/XX/2020 until XX/XX/2020.

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 2023-08-12
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:
The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX Owed : {$11000.00}.

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 2020-03-26
Company: Experian Information Solutions Inc.
State: FL
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:
I have been a victim of identity theft and someone stole my information to get credit. My credit is taking huge hit because of this I need professional help to get it back to what it was. I am asking for your help so you can investigate and see it was not me and get the credit bureaus to help 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 2019-08-02
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX tried to submit online credit freeze application. This is a free service since XX/XX/XXXX and the company is bullying me by stating it can't verify my info online and wants me to send numerous documents in the mail to verify my identity. This is a tactic to get me to " forget about it, not worth the hassle '' type of thing. They have the most sophisticated online equipment made and are simply bullying me so I will go away. Shame!

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 2021-02-10
Company: Hollins & McVay, P.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collector with a return address of XXXX, KS has been sending collection notices regarding a judgement in some court in Kansas regarding a debt owed to a bank in Oklahoma. I have twice requested certified court documents to verify this judgement that the collector claims has been rendered in favor of the bank in Oklahoma. This collection agency ( initially named H. Kent Hollins and now is going by the name Hollins & McVay , P.A . ) since being located in Kansas and attempting to collect a debt from a Texas resident, myself, is required by Texas law to be registered and bonded through the Texas Secretary of State, which they are not. This has been brought to the attention of the debt collector and they continue to send collection notices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I recently had my Name placed on the XXXX XXXX list for Fraud by XXXX XXXX XXXX, for years I have been battling Identity theft. Each time I open an account with my information its get closed because they person that stole my information is able to get into all of my stuff, I recently had that same person hack my email so any information I get or any identity theft protection I use. the theif is able to get into my email and unblock any attempts I use to keep my stuff from being used. now that my social is all burned up I can't open any account in my name. I have been placed into Chex Systems and XXXX XXXX  because of this and I'm left fighting to get my life back after the low-life that stole my information is done ruining things for me. it is extremely upsetting because no matter how many reports or complaints I make. the Authorites just keep telling me that they don't have enough information to go on. I just want my life back, I want to open a normal bank account without having to get my checks direct deposited to XXXX XXXX which is hacked every other week. This is nerve wrecking. criminals get away with this XXXX ( excuse my Language while hard working people like myself are left trying to repair the damages. I NEED HELP, I WANT MY LIFE BACK WITH A STABLE BANK ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, 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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has come to my attention, that XXXX XXXX has transfer an account to XXXX XXXX XXXX Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their XXXXXXXX XXXX  # XXXX, balance {$2000.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have contacted the company on several occasions. This account is reporting inaccurate with all three credit reporting agencies. This account needs to be deleted due to the inaccuracies.

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 2020-12-18
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted quicken loan also known as the rocket mortgage to get a quote for a home refinance and I was told that in order to get any quotes I had to give them my SSN and let them pull my credit report. I told the representative that I just want to get a quote to see if it make sense to do a refinance and I gave him all of my credit information that he needed to know to give me the quote, but he refused to give me a quote. Please note that I have contacted at least 5 other lenders and none of them asked to pull my credit report and they gave me a quote. 
Below is the contact information for the person that was helping me out XXXX XXXX XXXX Mortgage Banker Toll Free : ( XXXX ) XXXX x XXXX Fax : ( XXXX ) XXXX NMLS # XXXX Quicken Loans

Company response to consumer: Closed with explanation