BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: FREEDOM FINANCIAL NETWORK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
about two weeks or more i cancel my account with freedom debit and got n confirming email from them it was canceled but still they took {$110.00} out of my account today XX/XX/2020 ask for my money back and have no answer from them on this problem i have problems before with this company and have not solved them as to they took out the money and overdraft daft my account after i told them cancel it for {$40.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: SUNTRUST BANKS, INC.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Sun trust Bank did not send me a good bye letter, they did not inform me that my mortgage was being sold off to another servicing department or debt collector. I was never given any information at all in reference to this matter. I need some form of accountability on the part of Sun trust bank. After 15 years of payments to them and trying to work out a loss mitigation plan to help me keep my house they have done very little for me as a customer of this length of time. Have them get back to me soon as I still have no access to my old account. I am locked out of the system and do not have my XXXX form or any other financial information to file for tax purposes and for my personal record keeping. This is predatory lending tactics at best and there are laws in place now to protect homeowners.

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 2019-01-29
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: Personal information incorrect

Complaint:
My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a opt-out of your disclosing future information until further notice including the and other furnished TRANS UNION XXXX XXXX XXXX XXXX inquires regarding all personal information. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a business owner my company is XXXX XXXX XXXX XXXX XXXX XXXX. I have had issues with addresses on my credit report that do no belong to me. The following addresses are not accurate please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH 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 2018-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have previously submitted a complaint about this company and this situation. The complaint number is # XXXX. I am re-issuing my complaint based on new information after further consultation with a Tax Accountant. I believe that Bank of America mis-reported interest paid which has resulted in a tax liability. 

As a result of Bank of America misreporting, the IRS has assessed that we owe money on our XX/XX/XXXX taxes. On further examination of IRS Forms XXXX that Bank of America prepared, I have ascertained that BOA misreported interest paid in 3 consecutive years, XX/XX/XXXX-XX/XX/XXXX, in the following amounts respectively : XXXX, XXXX, and XXXX. 
Additionally, they initially reported interest paid in XX/XX/XXXX, as {$0.00}. There is no mathematical way that we could have paid this much interest when our interest rate at the time was 6.25 % and later reduced to 4.5 % Subsequently, in XX/XX/XXXX they issued a XXXX that listed 'Refund of Overpaid Interest ' in the amount of {$76000.00}. Based on this amount, the IRS has assessed that we underreported income. We never received {$76000.00} from BOA, but believe that because they over-reported interest paid, they tried to reconcile this amount by listing it as overpaid interest. We received no benefit in real money or deductions based on their reporting. We have asked them to explain their accounting and reporting, and all they have done is sent us statements of account without explaining their reporting. I am convinced that they have intentionally or negligently misreported these amounts and are seeking to obfuscate to avoid liability. 

If this situation is in anyway related to refinancing through the HAMP program they likewise have not been able to explain how a program intended to help homeowners avoid foreclosure has created a liability. Their errors have caused us both financial hardship and distress.

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 2023-10-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: TX
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-10-16
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to complain about the closure of my Lowe 's credit card on XXXX XX/XX/2023. I received a notification from XXXX XXXX and XXXX that my Lowes credit card was closed. When I logged into my online account my credit limit had been reduced from {$4000.00} to {$1400.00} and then closed. I was not provided with any notice or explanation for this reduction. 
Lowes is in violation of 12 CFR Part 1002.9 ( Regulation B ), Content of notification when adverse action is taken. A notification given to an applicant when adverse action is taken shall be in writing and shall contain a statement of the action taken; the name and address of the creditor ; a statement of the provisions of section 701 ( a ) of the Act ; the name and address of the Federal agency that administers compliance with respect to the creditor ; and either : ( i ) A statement of specific reasons for the action taken; or ( ii ) A disclosure of the applicant 's right to a statement of specific reasons within 30 days, if the statement is requested within 60 days of the creditor 's notification. The disclosure shall include the name, address, and telephone number of the person or office from which the statement of reasons can be obtained. If the creditor chooses to provide the reasons orally, the creditor shall also disclose the applicant 's right to have them confirmed in writing within 30 days of receiving the applicant 's written request for confirmation. 
I am very disappointed with the way that Lowe 's has handled this situation. I have been a loyal customer and I have made my payments on time. I am concerned that this reduction in my credit limit will have a negative impact on my credit score. I am also concerned that it will make it difficult for me to make purchases at Lowe 's in the future. I am requesting that Lowe 's immediately restore my credit limit to its original amount and reopen 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 2023-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear CFPB, XXXX, EQUIFAX, XXXX, AND XXXX XXXX I write to you as a concerned consumer, well aware of my rights under federal law, particularly as enshrined in the tenets of 15 U.S.C. 1681 ( i ) ( 7 ) and 15 U.S.C. 1681 ( i ) ( 5 ). These statutes underscore the need for timely, accurate, and impartial credit reporting, principles I hold dear in my relationship with your esteemed agency. 
My concern pertains to XXXX XXXX XXXX XXXX XXXX XXXX, which, upon meticulous examination of my credit report, reveals glaring inconsistencies. While I have previously attempted to dispute the account 's accuracy, these efforts have regrettably yielded no conclusive verification of its legitimacy. It is imperative to reiterate that the legitimacy and credibility of this account are significantly questionable. 
15 U.S.C. 1681 ( i ) ( 7 ) obligates your agency to promptly correct or delete any information found to be inaccurately reported. The stark discrepancy in the status of the account in question across the major credit bureaus constitutes a clear-cut case for a detailed investigation, as well as the subsequent deletion of the disputed account.

I hereby formally request that your agency not only undertake a thorough investigation into the contested account, as mandated by the law, but also proceed with the immediate deletion of this account. It is important to emphasize that previous investigations have left a trail of unsatisfactory responses, leaving me with little recourse other than to insist upon its deletion to restore the integrity of my credit report.

In the pursuit of my rights as a consumer and under the aegis of 15 U.S.C. 1681 ( i ) ( 5 ), I demand a diligent, accurate, and swift response. The statute underscores the importance of your agency 's role in upholding the principles of fairness and accuracy in credit reporting. 
The demand for the deletion of the disputed account is not merely a request ; it is a legal and ethical imperative to rectify the inaccuracies that have tarnished my creditworthiness and financial standing. The precedent set by federal statutes and the protection of consumer rights firmly support this request. 
In conclusion, I implore your agency to treat this matter with the utmost gravity and urgency it merits. The due diligence and expeditious attention to this matter are not only prudent but absolutely essential to rectify the apparent inaccuracies affecting my credit report. 
I anticipate your prompt acknowledgment of this request and expect a timely resolution, which will restore precision, impartiality, and credibility to my credit report. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 my account was hacked where the hacker initiated a {$5000.00} funds transfer from my outside XXXX account to my USAA checking account which USAA made available immediately. As I had USAA on the phone, the hacker then did a wire transfer of {$4600.00} from the USAA account to their bank. In real time, USAA initiated an investigation into the wire transfer. I stopped payment on the transfer from XXXX ( there was not enough funds in that account to even cover such a transfer ) which caused an overdraft in my USAA account. Rather than crediting this fraudulent amount back to my USAA account, they left it overdrawn. Fast forward to now ... I have tried several times to follow up on this investigation and can't get anyone on the phone. I have been told on three separate occasions that they have put in for a call back and that it could take up to 3 business days. Still, NO CALL BACK. In addition, the bank has called me two times to collect this " debt '' I have explained each time that it was fraud and being investigated ... this didn't seem to make a difference. They told me that if I didn't make it current they would close the account and charge it off. As of XX/XX/2020, the account has been removed from my access, closed and charged off. this is not acceptable. In addition, they owe me money that was already in the account when this occurred and the profit sharing that we were awarded and was put into this overdrawn account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax refuses to verify the validity of numerous inquiries on my credit report. I was told that it's a " factual record '' but Equifax will not provide me a copy of a signed authorization form, giving them permission to report these inquiries as fact. Equifax can not and will not provide me with proof bearing my signature and giving authorization for my credit file to be viewed by ANY company, therefore giving them permission to report these inquiries. I request that the below mentioned inquiries be removed if proof bearing my signature can not be provided. 
( 1 ) XXXX XXXX - XXXX XXXX, XXXX ( 2 ) XXXX XXXX - XX/XX/XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( 4 )  XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( 5 ) XXXX - XX/XX/XXXX Thank you, XXXX XXXX Last 4 SS # : XXXX D.O.B. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion Is allowing 2 companies by the names of Western funding and Investment Retrievers to report the exact same collection account, They are not complying with U.S. Code 1681 ( a ).

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 2020-12-15
Company: ENCORE CAPITAL GROUP INC.
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company is attempting to reach my ex husband. I have explained on at least four occasions now that he is not reachable at this number, that I do not have his contact information, and that we are divorced, but they keep calling, several times a day. 

XX/XX/2020 - three calls Midland Crdt Mg  XXXX - 2x Private number XX/XX/2020 - one call Midland Cm  XXXX XX/XX/2020 - one call Midland Cm  XXXX XX/XX/2020 - two calls Private number XX/XX/2020 - two calls Midland Cm XXXX Unknown XXXX I have no idea what the nature of their business with him is, nor is it any concern of mine. I am registering this complaint as they are harassing me for no valid reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX OWNS SPECIALIZED LOAN SERVICING SENT XX/XX/XXXX % STATEMENT FOR XXXX SAYING THEY PAID {$2000.00} PROPERTY TAX KNOWING IT IS NOT TRUE.THEY HAVE THE LETTER TO CFPB FROM SLS XX/XX/XXXX EXPLAINING THE REFUNDS THEY RECEIVED .THERE IS ANOTHER REFUND FROM XXXX XXXX SENT TO SLS AFTER THEY REQUESTED IT SLS RETURNED BACK TO XXXX  XXXX SEE THE LETTERS FROM TAX OFFICE .THEY HAVE SENT IT BACK OUT AGAIN .THE FACT IS THE TAX PAID XXXX XXXXXXXX OFFICE SHOWS IN THE LETTER IS {$1400.00} with refunds of {$700.00} sls admitted to CFPB XXXXThe loan file i have obtained shows a different amount % paid in XXXX AND I STILL DO NOT HAVE XXXX OR XXXX FROM SLS ALONG WITH THE FILE ACCOUNT INFORMATION SHEET JUST SENT SLS ( SAID ESCROW UNAPPLIED FUNDS OR BUYDOWN BALANCE TRANSFER AS A RESULT OF SERVICE RELEASED +REAPPLICATION OF PAYMENTS DUE TO INVESTOR TRANSFER+ CURLTAILMENT OF PRINCIPLE+ MISAPPLIED FUNDS+ REVERSALS + MISCELLANEOUS DIBURSEMENT ESCROW CORRECTION.SO MANY UNAPPLIED FUNDS AND REMARKS THAT SHOW REVERSALS ) AND NO ESCROW AT ALL AS OF XX/XX/XXXX WITH NEW TRANSFER YET THIS NEW LENDER IS STILL TRYING TO CHARGE WHEN THERE IS NO TAX IMPOUNDS AND THERE NEVER WAS WHAT SLS SAID ..I HAVE DETAILED IN THE ATTACHMENT WITH PROOF XXXX  XXXX XXXX... ALONG WITH THE CODE THEY HAVE ATTACHED TO THE PROPERTY CALLING IT A CONDO ... .ITS A FOURPLEX CONVENTIONAL LOAN FIXED RATE... THE SLS HAD IT LISTED IN MERS I JUST GOT THAT ... YET XXXX SAID NO GET AHOLD OF SLS ... .I DONT KNOW WHAT THEY HAVE DONE OR IF THERE IS A LENDER MY CLOSING STATEMENT SAYS CONVENTIONAL FIXED RATE 30 YEAR I WAS TOLD A BANK WOULD HAVE THIS LOAN CAUSED CHAOIS MISREPRESENTED WITH A CONTINUED EFFORT TO MISLEAD I CAN NOT KEEP UP WITH THE AMOUNT OF BAD FAITH MISREPRESENATION. 
SLS SENT BACK THE LA TAX REFUND KNOWING THEY DID NOT PAY WHAT THEY SAID THIS WILL MAKE THE FILE IT ALREADY IS ZERO WITH REFUNDS AND GETTING MONEY FROM ME ALONG WITH MY REFUNDS FROM XXXX  XXXX NOW XXXX IS TRYING TO START IT ALL OVER AGAIN ..THIS HAS TO STOP..I HAVE ALL OF THESE REMARKS SENT TO ME THAT I HAVE NEVER BEEN TOLD ABOUT ALTERING THE FIRST TRUST DEED .THIS IS FRAUD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Universal Account Servicing, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/18 husband and I signed up for a vacation club membership through XXXX XXXX XXXX ( XXXX  ) costing {$26000.00}. I put {$6000.00} down on my credit card and the remainder {$20000.00} they opened an installment loan for {$10000.00} each for me and my husband. We never received product/service purchased but were making payments to Universal Accounting Services ( UAS ) since XX/XX/2018. As I was not getting resolution from XXXX, I contacted UAS about my loan and wanted to cancel. They stated they were just the billing company for XXXX  but would open up a case to cancel our accounts and submit it ( XXXX-case # XXXX, XXXX-case # XXXX  ). This was on XX/XX/18. On XX/XX/18, UAS called stating that XXXX  rejected our request. I have called XXXX  XX/XX/XXXX - end of XX/XX/XXXX to resolve this, then filed complaint with XXXX. On XX/XX/XXXX UAS again stated that XXXX rejected our request to cancel the contract. I stated we were retired and living on a fixed income and can't pay for a product/service we don't have. This is a financial hardship for us. She stated she would send the request again. Nothing has happened and they still are sending me bills for a product/service I don't have. I can not be paying for this any more. I filed a complaint with the XXXX  and now the Missouri AG on XXXX. I am going to stop paying them now.

Company response to consumer: Closed with explanation