BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: VA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have made a complaint on XX/XX/XXXX, XX/XX/2022 XXXX XXXX from freedom mortgage had replied. He had stated he was going to lower my interest rate due to the delayed to 3.5 %. I was supposed to receive additional documents to sign in the mail within two weeks I have yet to receive additional documents I've sent this information to last mitigation via email twice I have called and spoke to numerous associates at freedom mortgage and no one can seem to help me or knows what's going on in regards to this issue. This is in reference to complaint number XXXX. I have no way of getting in contact with XXXX XXXX. If I could get a email for XXXX XXXX or someone from Freedom Mortgage to assist with XXXX XXXX solution would be greatly appreciated. 

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 explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted proof that the 8 hard inquiries on my credit report should be removed to XXXX on or about ( mailed ) XXXX XX/XX/2020. To date, they have not been removed ; and, I have not been told why, either. 

On XXXX XX/XX/2020 I bought a motor vehicle from XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX I XXXX XXXX in XXXX Texas ( invoice number XXXX ) with the assistance of Mr. XXXX XXXX at XXXX For my daughter XXXX XXXX XXXX. 

In XXXX 2020, I became aware of the eight hard inquiries to/on my credit report, all 8 related to this sale and transaction. Since I had made it very clear that I did not want any credit report requested in conjunction with this sale because I was going to be paying cash in the total amount for this vehicle ( {$26000.00} ). In late XXXX. 2020 I was forced to ask Mr. XXXX for a letter stating that the credit inquiries should be removed so I could mail it to TransUnion following receipt of my requested credit report as I could not submit such a complaint on-line ( Why is that anyway? ). Then, I mailed that letter from the XXXX XXXX XXXX XXXX company along with my request and complaint to Trans Union for a resolution. The resolution has been approved yet the inquiries were not removed. 

Again, Trans Union, XXXX and XXXX continue to document these erroneous vehicle loan inquiries that shouldve been removedAnd, in fact, never Should have been documented In the first place. A copy of the letter I mailed to TransUnion is attached.

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 found errors on my credit report for both accounts below XXXX XXXX and XXXX  XXXX XXXX accounts. XXXX, Transunion, and XXXX are reporting information about me which are inaccurate. All three credit bureaus are reporting different high balances on this account and do not show the same opening date. As they are aware they can only be One high balance on an account and One opening date. 

All the 3 bureaus are in violation of 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ). The banking system is dependent upon fair and accurate credit reporting. 

DELETE the following accounts immediately for failing to comply with the FCRA. XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In attempting to pay off the loan balance, I have repeatedly tried to contact Enerbank to find the loan payoff amount and process and have not been able to reach them for a response. The main problem I face is that, unlike any other financial product I have had, the loan payoff is not provided on written statements or online nor is an option to pay the whole balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All three credit companies, XXXX, XXXX, and Experian continue to report this account as accurate even though i have court records showing a different amount owed too another company. I believe no investigation was ever done. It is harming my ability to apply for a home for me and my children. 
the amount shown by XXXX  XXXX, saying i owed them a total of {$3500.00} dollars as a high balance, they are saying i paid 28 % which i never paid this company, and that i now owe {$2500.00}. None of these amounts are shown in my court documents! so, they are reporting false information. That is a violation. I have disputed this account multiple times.

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 2023-10-30
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have one business credit card ( XXXX ) through Truist for my small business, XXXX XXXX XXXX, XXXX. My business checking is also with Truist. In XX/XX/2023, a second credit card appeared on my online accounting. The balance due mirrors the balance due on my Truist XXXX credit card, but Truist is showing that the total amount owed to them is double that XXXX balance amount. For example, I owe {$100.00} on my Truist XXXX card. Online accounting shows this, but also shows a second credit card with a {$100.00} balance as well. My Truists online banking accounting says I have {$200.00} in loans/credit. Truist has been very difficult to contact. I waited 52 minutes to speak with someone on the phone and had to hang up because I had a meeting. I waited 41 minutes a second time on the phone and the Truist employee said the second credit card is simply how Truist handles their accounting. That was the only explanation given. I went to my local branch and waited 15 minutes to speak to someone. The teller said she had no idea why there was a second credit card on my account. I requested a phone call meeting with Truist today ( XX/XX/23) and although I received email confirmation about the call, no one called me. I finally left work early and met with Truist employees in person at my local branch this afternoon ( XX/XX/23 ). After they contacted costumer service, I was told Truist has a glitch in its system. Thats their word. They offered no additional insight other than I wont be charged interest for the doubled amount due, told not to worry, and encouraged to be cautious when I make payments online that I pay the correct card. I have no reassurance other than one persons word. She did not understand nor could she explain the disparity. The two credit card accounts do not match : one is in my name, one is in my businesss name and yet they have different credit limits. I have been trying to get an explanation and remedy now for 2 months. I have lost confidence in this bank. I do not suspect fraud, but should I? I definitely suspect incompetence. I suppose I will just have to watch closely that Im not hit with interest/fees for double the amount owed. I only have one business credit card, but Truists accounting shows two, with the same charge amount, and can not explain why or correct their error.

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 2021-09-27
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a MasterCard with Barclays Bank they have blocked my access to my account the reason they give me that in XX/XX/2021 the word lawyer somehow got out of my account I never hired a lawyer I never talk to a lawyer I never talk to them about a lawyer this is XXXX they have no letters from a lawyer no contact from a lawyer I explain to them thats crazy if I had hired a lawyer for something they certainly wouldve contacted them at some time from XXXX until XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: American Credit Acceptance, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased my car four years ago with American credit acceptance it was my first time financing a car and I had no idea about interest rate mine was 28 % which is now 29 %. Ive been paying on my car for four years and my principal balance is currently still the same. I could call and ask how much do I owe no one can tell me besides the fact that Im currently paying interest. When I asked when will I be done paying interest I get no answer because they tell me they dont know the interest doesnt go away. So for four years Ive been paying on a car with no real time as to when Ill be done so Im pretty much stuck in this situation with no way out. Either Ill lose my car in the money i put into it or Ill forever being paying on a auto loan because I was took advantage of by dealerships and finance companies whos agenda wasnt to help me finance cheaper and have a opportunity to get a car but to keep me stuck with my back against the wall with a auto loan Im never able to get out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am writing to express my deep concern regarding the permanent limitation that has been imposed on my PayPal account. I strongly believe that this limitation was placed by mistake, as I have not violated any of PayPal 's policies or engaged in any suspicious activities. 

I kindly request that PayPal re-investigate my case thoroughly and consider restoring my account if the mistake is indeed identified. I have been a loyal and responsible PayPal user for a significant period of time, and this limitation has caused me great inconvenience and distress. 

It is of utmost importance to me to resolve this matter promptly, as my PayPal account plays a vital role in my daily financial transactions. I rely on it for various personal and professional purposes, including online purchases and receiving payments. The permanent limitation has disrupted my ability to carry out these essential activities. 

I humbly request that you provide me with an opportunity to present any additional information or clarification that may aid in the investigation. I am confident that a careful review of my account activity will confirm my compliance with PayPal 's policies and the absence of any wrongdoing. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly ask for your understanding and assistance in resolving this matter promptly. Your reconsideration and subsequent restoration of my account would be greatly appreciated. 

Thank you for your attention to this urgent matter. I trust that PayPal will conduct a fair and thorough investigation to rectify this misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I co signed for a car with credit acceptance corp and the vehicle by the insurance company has paid out for the car deemed to be a total loss by the insurance company XXXX XXXX XXXX XXXX XXXX my policy number is XXXX XXXX XXXX and XXXX XXXX effective XX/XX/XXXX XXXX XXXX XXXX and then it's still on my credit report showing 120 days late the car got paid off in XXXX due to the insurance claim in XXXX and all they did on my credit report is switch it from XXXX XXXX which the car and contract is under and they switched it to XXXX XXXX III to still receive payments from me it should not be on my credit report at all that would make it identity theft and they sent me a check book for XXXX I believe XXXX to make payments for a car that's been deemed a total loss by insurance through credit acceptance corp and I have all evidence as facts and it's been on my credit report holding me back from other things

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 2021-03-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
ChexSystems sends my highly sensitive and private information, including SSN info, in simple USPS mail every time I lift a security freeze or place it back. This exposes me to unnecessary risks of identity theft. Chex refuses to stop sending this private info via US mail. Among the information included in unsecure and unwelcome communications from Chex are last 4 digits of Social Security Number, which are coded into a long number on top of the letter and it's very easy for a malicious person to extract this information. I had an instance of mail opening and theft by USPS employee last year, which is being investigated by Postal Inspector, and a lot of mail simply disappears right now. They also include Consumer ID, which can be used in lieu of SSN for communications with Chex regarding consumer file. Please ensure Checks stops this unlawful practice of exposing US consumers private information to identity theft. There's an absurd situation right now that to protect themselves from fraud and place a freeze on their Chex file, one must submit to having their sensitive info sent around in non-secure US mail. I will file legal action if this abuse continues.

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 2021-07-23
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: LoanCare, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I trust this letter finds you well. I am writing to bring to your attention a matter of urgency concerning inaccuracies on my credit report. Upon a recent review, I have discovered the presence of late payments on my account, and I kindly request your prompt assistance in correcting or removing this information from my credit report. 

XXXX XXXXXXXX - 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 customer service representative. 

I understand the critical importance of maintaining an accurate credit history, and it has come to my attention that the reported late payments do not accurately reflect my financial responsibility. I am confident that this discrepancy is a result of an error, and I am seeking your immediate intervention to rectify the situation. 

I kindly request that you conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. If there are any supporting documents or information required from my end to expedite this process, please do not hesitate to inform me. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which stipulates that credit reporting agencies must ensure the accuracy of the information they report. I trust that you will handle this matter with the utmost urgency and adhere to the guidelines set forth by the FCRA. 


Thank you for your cooperation and understanding.

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 2021-03-15
Company: Commonwealth Financial Systems, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/XXXXActually I'm just trying to contact a debt collection agency via email. Commonwealth Financial sent me a link to get on their site to make a payment. However, the password they said I had to use was a 5 digit zip code. I entered the zip code several times and was told it was incorrect. 
I called the XXXX XXXX XXXX per the instructions on the email. The representative who answered said she didn't know anything about a link. I kept explaining to her the email that was sent to me. I don't handle payments over the phone, especially with representatives who are not educated to what their company does for the consumers who are trying to pay a debt. It takes them forever to get back to my inquiries submitted online, in essence, they don't work with you at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account with chase was restricted due to filing claims even though the claims i have filed have all been accurate and they have actually stated that they saw i was wronged in the letters ive received they told me my account was closed and that id receive my check within 7 buisness days but I just received a letter in the mail saying they barely restricted my account and have been giving me the run around my account holds XXXX $ and I am at risk of losing my car due to their run around

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I do not have my dates exact. Approximately two years ago I noticed a charge from XXXX. XXXX XXXX. I filed a dispute with Citi Cards and they followed up and reversed it in XXXX favor. Citi told me to call XXXX and resolve it with them. So I called they could not find an account, if I remember correctly because its been two years. However I have not owned a XXXX product in at least 15 years and I would not buy a XXXX product I have no use for them. Anyways in the end I ate the {$100.00} I asked Citi Card to change my account number so that it could not happen again just in case its a subscription. The following year it happens again I file a dispute. They went in favor of XXXX again. Lets just say it was a mistake the first time just for grins. You dont make the same mistake two years in a row it sounds like Citi made a mistake. But they are so big how do you fight them over a lousy XXXX dollars? I canceled my account closed it. As a consumer all I can say is we are powerless over these big companies what can I do?

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