BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
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: Was not notified of investigation status or results

Complaint:
FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( XXXX ) for verification of debt and material facts. 
ACCOUNTS : XXXX. XXXX XXXX XXXX ( XXXX XXXX OF XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) With continued use of unverified debt and contracts there are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ; False or Misleading Representations 15 U.S.C. 1692e that does not meet Generally Accepted Accounting & Auditing Practices as verification is a federal violation will be used as evidence in Legal Claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Bank closed my new small business account without notice, claiming suspicious activity. I explained that it is a new business in the education field, and all charges are legitimate. They have not released the full balance, and have been sending me small checks each month for the past three months. 
They finally requested 12 parent customer contact info in XXXX in secure email and I sent them right away in the same day but they said they did not receive and then i send again last week those 12 parent contact info. 

One of my parent reach me and told me chase bank call him and ask about the charges. He told them its legitimate charge for his kids receiving tutoring services in our center. I will attached this email to you. Bank told him its not the proper way for ach charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act this creditor SYNCB/HOME DESIGN HVAC and XXXX 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 2 a consumer reporting agency can not furnish and account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a 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 non-monetary relief
Consumer complaint received 2021-05-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
FIFTH THIRD BANK, you recently received my Notice of Rebuttal on XX/XX/2021. 
This is in response to your deceptive letter from a member of your employed staff Named XXXX XXXX  who did not receive my permission to contact me nor view my personal, private and confidential information. Making false claims about " debt elimination schemes '' in an attempt to misrepresent my enforcement of my Federal rights as a Federally protected consumer is known as Material misrepresentation ( FRAUD ). 
As stated in my notice you were previously contacted on XX/XX/XXXX when I demanded an opt out of consumer credit reporting as is my right pursuant to 15 USC 6802 & 6803. You have defaulted on demand and have proven that you are willfully noncompliant with Federal Law protecting consumers, these matters are being well documented and all defaulted notices will become prima facie evidence if further legal action is deemed necessary. I do NOT owe you ANY alleged debts, and I have not borrowed any capital from you which means I do NOT owe you any alleged debts. Further more your claims are unsupported by Affidavits, or any documentary evidence of indebtedness as required pursuant to 15 USC 1666 making all of your claims hearsay. This further supports the facts as I have documented them, expressly the fact that I do NOT owe you any alleged debts as you claim. BE ADVISED, FIFTH THIRD BANK, you have 15 days to comply with my demands listed in the correspondence you received and the correspondence attached to this complaint as you are already in default of the previous notice. There is more than enough evidence to prove your attempts to willful mislead and deceive me through means of material misrepresentation of vital facts that have been purposely omitted by you the financial institution involved in this consumer credit sale/transaction. BE ADVISED, FIFTH THIRD BANK, you have committed several violations of Federal Law which have been well documented and will be used as documentary evidence and prima facie evidence should I be required to pursue legal action in these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: PNC Bank N.A.
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have many issues with PNC Mortgage over the last 2 years. I have never been late and always make extra/principle payments. This past Tuesday I finally had it! They will apply my principle only payments as regular payments. I have sent in by mail indicating payment for principle only or escrow only! They still apply as regular payment breaking it down to the next month with interest added and escrow monthly amount. I can not pay online as I am charged a {$7.00} service fee. I always pay extra every 2 weeks so that adds up of do that over a long period of time. They suggested I do bill pay at bank. I do that and than call each time after posted goes to principle only. 
Now a few times I have to call back a 2nd or 3rd time after initial request that it has not done yet. This results in unnecessary callbacks in same issue for customer. To make matters worse hold time is awful I have waited 20 mins or longer to get someone on phone. Sometimes I get disconnected during call and I call back and put on hold for same duration. I had a XXXX hang up on me in XXXX as I was trying to reset up ACH plan with new amt as my PITI went up. I was frustrated on how to navigate website and could not understand what she was saying. I asked her to hold for a minute to make sure I can get on successfully. I said it 2 times. Because I didnt want to call back and put on hold for a long time over same issue. She said have a nice day and hung. Which I had to call back again. On Tuesday XX/XX/XXXX. I called 3 times over 20 min wait. To discuss my payment of {$500.00} was towards principle only. Spoke with a XXXX  id # XXXX. She was suppose to transfer money to principle only. Now today Saturday XX/XX/XXXX. Nothing has been done. So will be calling back today to once again ask for payment to go to principle. This has cause a lot of wasted time and unnecessary holds. I asked for a supervisor with XXXX on Tues. and put me on hold and came back and said not available I asked for them to call me back. No call was followed up with me. The customer service is terrible. The website is best for those with a PNC bank accts. I have NEVER been late with payments ever with PNC. I am trying to pay this mortgage off as soon as possible to not have to go through with this every 2 weeks. This was not my choice to have mortgage with PNC. My loan was serviced over from XXXX XXXX XXXX. 2-3 years ago. With XXXX I could pay principle payments online with no fees. And see an amortization schedule anytime. I rarely had to call customer service for any issues. I have had mortgage for over 12 years and never missed any payments. This has cause me a lot of wasted time, frustration and treated terribly as a customer. I hope no one has to go through this and get the respect they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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

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 2020-02-22
Company: Amsher Collection Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/2020, I was contacted by Amsher collections regarding my XXXX account. I was offered a settlement or a payment plan option. I was told given my timely response with them, setting up a payment plan would prevent this debt from being added to my credit report. So, I set up the payment plan. Two payments of {$67.00} each processed through my bank on the dates I arranged. Suddenly, on XX/XX/20 I get a notification that this account was added to my credit report and did not include the original balance nor did it show the payments I already made on the account. Additionally, this was not what I was told would happen with my account. When I called Amsher about this, I was told something completely different. I also NEVER verified for the auto pay payment plan I set up to be canceled, but considering I called and complained about their practices they withdrew my payment plan anyway WITHOUT my verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
REQUEST IMMEDIATE URGENT HELP FROM GOVERNMENT REGULATOR [NOT] FINANCIAL INSTITUTION.

1) I HAVE NOT RECEIVED AN ACTUAL MONTHLY BANKING STATEMENT IN YEARS.  2) ONLINE ACCESS IS BLOCKED.
 3) ALTHOUGH I NEVER GAVE THE BANK AUTHORIZATION TO CHANGE MY MAILING ADDRESS.  THEY CHANGED IT TO A PO BOX AND REFUSE TO CHANGE IT BACK TO MY PROPERTY ADDRESS.  
4)  FROM MY PREVIOUS COMPLAINTS; I HAVE A LOAN PROBLEM.  I HAVE EXPLAINED NUMEROUS TIMES AND NO ACTION IS TAKEN TO ASSIST ME.  IN FACT, THE OPPOSITE. THREATS HAVE INCREASED AND THE LENDER PURPOSELY DESIGNED A LOAN MODIFICATION FULL OF THREATS, LOOPHOLES, QUADRUPLE FROM ORIGINAL LOAN PAYMENTS; AND T/L AND DECEPTIVE TRADE ACT VIOLATIONS.  


HERE I AM ONCE AGAIN IN THE 11TH HOUR....PLEADING WITH CFPB TO TAKE THE SLIGHTEST INITIATIVE BEFORE XXXX XXXX XXXX.  THE GOV HAS HAD MONTHS OR OVER A YEAR TO ASSIST WITH THIS SERIOUS MATTER.  THERE SHOULD ALREADY BE A PAPER TRAIL OF COMPLAINTS REGARDING THIS PROBLEM FROM XXXX XXXX.  

PLEASE CONTACT ME DIRECTLY.  THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
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: Was not notified of investigation status or results

Complaint:
FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 
ACCOUNTS : 1. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( XXXX XXXX ) 3. XXXX XXXX XXXX ( XXXX XXXX XXXX ) With continued use of unverified debt and contracts there are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ; False or Misleading Representations 15 U.S.C. 1692e that does not meet Generally Accepted Accounting & Auditing Practices as verification is a federal violation will be used as evidence in Legal Claims.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
For the last 2 months, starting XX/XX/2022, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$7100.00} According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than 45 days.

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 2023-07-05
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a few disputes with Huntington Bank. While I was in XXXX, my phone and wallet were stolen and I had {$6000.00} taken out of my checking account. Even though they say that some of them arent valid, they said that most of the transactions were valid. I have tried to get an explanation as to why they feel this way and they just say that its their decision. Ive emailed the bank VP along with other members of the executive team with no responses. This has been going on since XXXX. I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I spoke with a representative from ERC regarding an alleged XXXX balance of {$1400.00}. When the packet was received I called and informed ERC the information shared was fraudulent. The signature provided within the documentation was not my signature and I did not make the purchase on the date indicated in the XXXX documentation. ERC informed me that they would follow up and send me information on how to dispute the fraudulent information. As of XX/XX/XXXX I have not received that information to dispute this information. I filed another complaint with XXXX and

FTC due to the negligence in the reporting of this debt without proper verification that this debt is valid. Upon receipt of the documentation it was confirmed that this debt is in fact fraudulent and should not be reported on my credit history. Please see the attached signature page sent to me by ERC. This is NOT my signature and should be be able to validate this debt as ERC has continued to pursue from me. Please note that ERC is not the original creditor and they are not the 1st collections
this debt has been sold to. ERC refuses to provide the information as to where/who they bought this debt from. This would show that the timeframe as reported by ERC is inaccurate and that despite all else they do not have the right to continue to pursue me for this debt.
I am also filing a complaint in the manner of how this debt continues to negatively impact my credit when it is sold to another collection agency. ERC incorrectly reports this debt as being 3 years old and that is not valid. I first began disputing this XXXX account on my credit history in XX/XX/XXXX. During that time I was denied the opportunity to receive a copy of the final bill and contract showing my signature where I had made the purchases totaling the amount referenced on my credit report. I filed disputes with all 3 credit bureaus. XXXX informed me in XXXX that they are unable to provide any assistance as the account has been closed. This account has affected my credit due to ERC not providing me with the requested documentation to dispute this account on fraudulent terms. This account should not continue to be reflected on my credit history due to inaccurate account closure/opening date, as this account has been sold to several different collection agencies over the past 6 years. Each new collection agency then reports the account as " new '' and that new report negatively impacts for credit as though the account was new and recently placed into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
To whom this may concern : I am writing to dispute the late payment consistently reported on my XXXX XXXX XXXX account number XXXX According to my records, I have never been late on my payments. XXXX and XXXX reports no late payments. However, Transunion reports that I am late. On the other hand, Transunion twice for 30 days and twice for 60 days, respectively. I would like to bring to your attention that this discrepancy is a clear violation of 15 USC 1681e ( b ) protocol, which requires that credit reporting agencies ensure accuracy and completeness of credit reports. Additionally, 15 USC 1681A ( 2 ) ( A ) ( 1 ) excludes transactions and experience that are not relevant or obsolete from credit reports. Furthermore, I would like to assert my rights under 15 USC 6802 ( b ) to opt-out of transactions reporting on my credit report. I would appreciate it if you could remove any late payments that were erroneously reported on my credit report. Thank you for your prompt attention to this matter. 


Sincerely, 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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I paid {$1400.00} full amount on my XXXX XXXX credit card on XX/XX/XXXX. My XXXX XXXX payment is NOT DUE until XX/XX/XXXX. 
Charge posted XX/XX/XXXX XXXX full amount XX/XX/XXXX XXXX & TransUnion lowered my credit score XXXX points on XX/XX/XXXX. I made the purchase on XXXX.11 days after {$1400.00} purchase, XXXX points was lowered from my credit score, UNETHICAL business practices by XXXX XXXX TransUnion. 
A. XX/XX/XXXX purchase made on XXXX XXXX {$1400.00} B. XX/XX/XXXX XXXX XXXX TransUnion lowered my credit score by XXXX points C. I paid off XXXX XXXX {$1400.00} I paid off XXXX {$160.00} both on XX/XX/XXXX, I have XXXX credit card debt D. My XXXX XXXX credit card payment is due on XX/XX/XXXX. 

XXXX XXXX TransUnion lowered my credit score XXXX points FAILED to allow me time to make any payments. Please RESTORE the XXXX points removed because {$1400.00} is paid in full my XX/XX/XXXX, My payment date is XX/XX/XXXX Discrimination is deducting XXXX points from my credit score XXXX to XXXX in 11 days! The charge posted XX/XX/XXXX, XX/XX/XXXX points deleted Full amount paid {$1400.00} XXXX XXXX. 
RESTORE THE XXXX POINTS My payment is not due until XX/XX/XXXX, my credit cards are paid in FULL ( ATTACHED credit card paid in full XXXX XXXX {$1400.00} )

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 2023-06-23
Company: SLM CORPORATION
State: NJ
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:
XX/XX/2021, I did a co-sign for my godson to get approved for a school loan, I uploaded my business information ( not personal information ) which was a EIN and not a social security number only to find out that SALLIE MAE violated 15 U.S. Code 1681, which I have the evidence of and they never took off the hard inquiry from the credit bureaus after I asked them too, because XXXX XXXX XXXX XXXX XXXX  they told me that the loan for him would be denied after they violated my privacy and ran my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation