BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: DE
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:
This is my first 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 an 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.

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 2017-04-06
Company: McCalla Raymer Leibert Pierce, LLC
State: CT
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
An attorney is trying to collect money deposited with the clerk of the court as compensation for the taking by the town of a small portion of the collateral property under eminent domain. The mortgage was discharged in bankruptcy in XX/XX/2011 and therefore the bank or its representatives such as this attorney may not legally collect these funds to pay down the debt. The mortgage holder had been previously contacted regarding this issue and advised me that they did not have a department to discuss legal issues with and that they were unable ascertain any course of action in the matter. Now that there is money to be had, they want to step in with their attorney and grab it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Capital One has obtained and trafficked my nonpublic personal information without authority or my consent. Upon lawful request and in conjunction with my consumer rights, I have demanded that Capita One cease trafficking defaming and falsified statements to nonaffiliated third parties pursuant the FCRA and the Gramm Bliley Leach Act, but Capital One has refused to do so. Capital One never afforded the opportunity to avoid such communication and trafficking of my information. Capital One is intentionally ruining my credibility and reputation in order to coerce payment on an account that I do not own. Capital One has violated various FCRA laws including reporting items on a credit report that should not have been reported in the first place pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681a ( d ) ( 2 ) ( C ) AND 15 USC 1666.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: CIG FINANCIAL LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
JUST MADE A PAYMENT XX/XX/2022 WITH CIG FINANCIAL, THEN XXXX MINUTES LATER I GET A EMAIL SAYING THEY TAKING THE CAR FOR XXXX BACK OWED. THEY TOOK MY MONEY THEN SAID THEY TAKING THE CAR. I NEVER SEE A STATEMENT FROM THEM AND I CANT EVEN SEE HOW MUCH I OWE. THEY ARE USING A FRADULENT NAME AND SOCIAL IN MY NAME. XXXX IS NOT MY NAME XXXX XXXX. XXXX COMPANY HAS RISK BASED PRICING, ABUSIVE UNFAIR LENDING, UNFAIR CHARGES, ABUSIVE, PREDATORY LENDING AND DECEPTIVE TERMS. IM GETTING CHARGE UN DISCLOSED INTEREST. 


THREATENING CALLS FROM XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ) and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164 ). 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Only reported to Transunion & XXXX XXXX I have a right to privacy under 15 U.S.C. 1681 Section 604 A Section 2 of the act, stipulating that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: SUNCOAST CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had a loan with Suncoast FCU for my XXXX XXXX XXXX. 
I traded the XXXX XXXX in for a XXXX XXXX. 
I kept the same insurance policy and limits, and just swapped the cars out. 
The limits for the XXXX XXXX XXXX and XXXX XXXX are the same and should satisfy Suncoast FCU requirements. 
The policy number is also the same, from XXXX, so there was no change to notify XXXX XXXX about. 
However, XXXX XXXX began charging me high amounts for not having insurance. 
All they had to do was utilize the same policy I gave them and they would see its always been insured since the day I left the lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Previously I got behind with my mortgage due to me being out of work due to me having XXXX. I was behind on my mortgage from about XX/XX/XXXX to XX/XX/XXXX. I paid all of my mortgage in full by XX/XX/XXXX. By XXXX I was current on all missed payments as well as paid all late and escrow fees. The company is still stating I am delinquent as well as reporting it to the credit bureau as me being delinquent which is falsely negatively impacting my credit. All documentation stating payments have been made have been sent in including documentation from my bank to the customer via email. I previously had an issue with Freedom Mortgage stating my checks were not being received and I did stopped payments ( XX/XX/XXXX and XX/XX/XXXX ). Soon as I paid them by phone the next day they attempted to cash both checks which were sent 7-10 days  apart from each other. Payments were made in XXXX and there were several payments made in XXXX. Then to bring me current I made the below payments : XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$260.00} ( Late Fees ) XX/XX/XXXX {$16.00} ( Escrow ) XX/XX/XXXX {$760.00} Payments were sent via email via my bank statement. I called today XX/XX/XXXX and was transferred back and forth between representatives acting like they cant tell me anything or know anything. This has become very frustrating especially when a pay history was sent via the mortgage company and all payments were reflecting but the ones prior to the statement being sent. 

I have called Freedom Mortgage so many times I have lost count. I have been trying to sort this issue out since XX/XX/XXXX. 

This has become extremely stressful  and frustrating especially when I made every attempt to become current because Freedom Mortgage would not offer any assistance when I was out of work due to me not having any income coming in.

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 2023-10-02
Company: EQUIFAX, INC.
State: TX
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: RENASANT CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been sick and I'm in a financial set back. I would like to lower my payments to a manageable amount to pay back what I owe and get the balance down on my house. I would like to eventually refinance my home loan.

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 2023-03-20
Company: CrossCheck, Inc.
State: MD
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 previously submitted a complaint that is now closed where I requested CrossCheck to do the following : It has come to my knowledge that the companies listed in this complaint. have been supplying my personally identifiable information to 3rd parties without my knowledge or my consent. In accordance with the fair credit reporting act, these companies have violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. 15 USC 1681 section 602 a states I have a right to privacy. 15 USC 1681 section 604 A, section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681C ( a ) ( 5 ) sections 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 USC 1681S-2 ( A ) ( 1 ) : a person shall not furnish any information relating to a customer to any consumer reporting agency, if the person knows, or has reasonable cause to believe that the information is inaccurate. 

crosscheck responded that it needed me to supply them with more of my personally identifiable information in order to process this request. There is enough information present in the complaint for them to respect my right to privacy guaranteed to me by the aforementioned statues and laws. Instead of respecting my right to privacy, CrossCheck is making me jump through hoops. I do not want them having my information, sharing my information, nor will I be voluntarily supplying them with any of my information. To expedite this process, you can find my ID attached to the complaint. Please note, I am doing this under duress, and if my request is not swiftly met with the requested action, I will pursue every penalty under the law. 

You will also find documents confirming my copyright, trademark, and notice of trespass fee schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
About a month or so ago, I was charged a late fee erroneously after signing up for autopay ( which didnt work ). I saw the fee and called to manually pay the statement balance over the phone. This was done, but the employee also paid the late fee. I then had to work to have it reversed. Fast forward to a couple days ago, and Bank of America debits my account XXXX! There was no balance! That is effectively stealing, and while they took it out right away, it will take XXXX business days to put it back in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Care Credit Card with Synchrony Bank for over 5 years and have only used this card for medical purposes, mostly the XXXX. I never missed one payment or went over the {$1000.00} credit limit the card had. On my credit report it states all my payments are 100 percent. I have lived in my home for over 40 years now. My husband left me over 8 years ago with a lot of debt and instead of filing bankrupcy I went through XXXX XXXX XXXX to pay the money back and settle all accounts. I have paid {$400.00} on this debt for over 4 years now without one missed payment and will graduate in a few months. Nothing has changed since I got my Care Credit Card, just the money I owe on my home which goes up and down as the taxes get paid, and by closing this account with no notice not only have they put my health in jeopardy but they have destroyed my credit score with no good reason behind doing this. I was shocked when I got an email from Synchrony Bank saying they had closed my Care Credit account with no notice. I owed NOTHING on this account at the time they closed it I had paid it all off like I always do. I have worked tirelessly to try to get my credit score where I can finally fix up my home which I have lived in and paid for for over FORTY YEARS.This account should have never been closed and I think banks get away with doing a lot of things that hurt people more than they help people. Doing business with Synchrony Bank has hurt me, not helped me.

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 2023-08-30
Company: EQUIFAX, INC.
State: MA
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Incorrect personal information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: IL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
During the time period of XXXX, I was laid-off due to COVID affecting my employer 's business of operation. My Chase Checking Account that was receiving my unemployment insurance was frozen on XX/XX/XXXX placing myself in a hardship as this was my main checking account for daily use. Today is XX/XX/XXXX and I have a remaining balance of {$10000.00} that has not been returned from JPMorgan Chase. At the closure of my account on XX/XX/XXXX approximately + {$18000.00} was frozen and approximately {$8000.00} has been returned. Throughout this process, I have not received any formal notification why my account was frozen, that it was frozen, nor am I aware if anyone is actively looking into this manner despite requesting the submission of multiple compliments. 

Chase has requested proof that I am entitled to these funds and I've forwarded this information to JP Morgan Chase on XX/XX/XXXX and XXXX. On a daily basis, I have been contacting Chase for a status on the remaining balance only to be told to continue calling as there is no update. Chase employees has informed myself the funds were pending an investigation with the state of Indiana in regards to my unemployment insurance. Upon speaking to the state of Indiana unemployment department they stated they do not freeze bank accounts and to speak to my bank ( JP Morgan Chase ). It is XX/XX/XXXX and I have no status on the remaining release of my funds ( {$10000.00} ). 

Your assistance in this manner will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: NJ
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:
My credit report is showing late payments to XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX customer service representative.

Company response to consumer: Closed with non-monetary relief