BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 TRIED TO PAY A DEBT AT XXXX XXXX XXXX XXXX, MY CARD WOULDNT PROCESS THROUGH THEIR SYSTEM SO I WAS DIRECTED TO CALL THE CLIENT DIRECTLY TO PAY, IN WHICH I DID BUT WAS TOLD MY ACCOUNT WAS AT A XXXX BALANCE AS I WAS ON MEDICAID AND MEDICARE WHICH I TOLD THE COLLECTION AGENCY. I CALLED XXXX XXXX BACK AND ASKED THEM TO REMOVE AND THEY REFUSED.

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 2023-10-17
Company: EQUIFAX, INC.
State: MI
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:
I recently reviewed a copy of my credit. I was shocked to learn I have been a victim of identity-theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately. I have attached my ftc report, please view attachments, by law I read these are supposed to be removed from my credit report 14 days after this open. I've attached my ftc report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Totaled a car in XXXX. Loan was paid by insurance company, the remainder of the balance to be paid by gap insurance company. Td auto refused to work with gap insurance company, taking months to mail documents, which to this day have not been mailed. Ive called and complained many many times and never received any mail or call backs. Td auto put on my credit report late payments and charge offs for the entire time they refused to work with the gap insurance company and will not return their calls or my calls. I want charge off and late payment off my credit report as the account is paid in full since XXXX of last year. After calling and being told Id receive call backs, Ive heard nothing as usual from td auto. They will not mail pay off letter even though Ive requested it 3 times. All customer notes in their system will show how many times Ive called them and begged for customer support to help and send over documents to gap insurance with no response. Last phone call I was hung up on after asking for a supervisor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/2018 - filed complaint # XXXX Called Rep twice, XXXX XXXX @ XXXX XXXX, Rep never returned my calls Reading the response to my complaint # XXXX, paragraph 6 of the Summary of research is incorrect and it appears that the investigating repignored or " cherry picked '' all of the recorded calls I had with XXXX credit card reps. Specifically, there was no mention of my XX/XX/2018 conversation with XXXX credit card supervisor, XXXX in XXXX, who told me on XX/XX/18 that the {$100.00} promotional credit would be posted to my XXXX XXXX credit card 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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2019-03-07
Company: Assured Financial Partners
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received several messages from friends and family during early XX/XX/2019 that a company was trying to reach me about collections. On XX/XX/XXXX, I received the first phone call direct to me to discuss the collection. Upon verification of personal information, I was told that I had an outstanding debt of {$1300.00} with XXXX XXXX, and that they were trying to collect. In addition they noted that there were legal costs on top of that amount which they threatened to charge me with. I disputed that I had any debt balance with XXXX. I had a bank account there several years ago, and a 12-month loan which was paid in full and on time. 

They offered to send verification of the debt, but I only received a letter from the collection agency, with no backup of information received from XXXX XXXX. I called them again, and was told that they had no obligation to prove the debt I owed and that I had to reach out to XXXX XXXX to verify. I told them that I had no intention of taking their word for the debt and until they could offer proof, I was not going to pay the amount. The representative then asked why we were even on the phone, which I agreed with, and hung up. They called back again on XX/XX/XXXX, and I told them I was unavailable to speak with them. I have not heard from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Rent Recovery Solutions
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 status incorrect

Complaint:
Yes a lot of collections on my account that I didnt authorize it I am a victim of identity theft so let a lot of stuff shouldnt be on my credit please dispute all them not the car loan every thing else thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This a follow-up on multiple complaints submitted on this company. I went through a successful 12 month repayment plan. I attempted to apply for a modification prior to the expiration of the repayment plan and was told to wait for the expiration of the 12 months. You will find this in my prior complaint results. I waiting until the repayment plan expiration, applied, and was immediately denied for any workout option without any explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/XXXX, I received an alert from my ID Credit Monitoring that a company by the name of XXXX   XXXX made an inquiry on my credit report without my prior oral or express consent. This unauthorized inquiry lowered my Equifax credit score. On XX/XX/XXXX, I filed a dispute with Equifax. On XX/XX/XXXX, Equifax sent a resolution of the dispute confirming that there is nothing that they can do. On XX/XX/XXXX, I spoke with an Equifax representative who told me that she could not do anything about the unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I've recently refinanced my home and learned that my homeowners insurance was never paid by my mortgage holder Loancare ( XXXX XXXX XXXX ). My Loancare statement indicates my escrow account disbursed {$2000.00} on XX/XX/2020. I've been in communication with my insurance company ( XXXX ) and they discovered a check ( # XXXX ) was written by Loancare inthe ammout of {$62000.00}, likely a batch payment, to XXXX on XX/XX/2020 however this check was deposited back into Loancare 's account and never actually sent to XXXX nor was the disbursement reissued to my escrow account. I have been on the phone with Loancare several times, spoken with three individuals from their insurance team, each time getting different information with no resolution. I requested to speak with supervisors or directors with no cooperation, including a call back request being ignored. My {$2000.00} seems to have disappear but it has to be somewhere. I don't know if this is incompetence or fraud on the part of Loancare. Please help. 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 2022-11-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT TYPE : XXXX DATE XXXX XXXX BALANCE XXXX ORIGINAL CREDITOR : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX Disputed this Account and the debt wasnt validated or corrected. I never gave them permission to furnish any information about any alleged transactions which is invasion of privacy pursuant to 15 usc 6802, Also I never received the reinvestigation details to confirm investigation. I never received any agreement with my signature saying I agree to this debt. And see 15 U.S. Code 1666b - Timing of payments which shows direct violations of my rights Also I am aware thats I am the consumer original creditor and my credit card ( social security card/certificate of indebtedness was used and Im aware that canceled debt would be reported on a Form 1099-C as it is considered income and might be taxable so how can it be a debt. See 15 usc1681EB where it prescribes maximum accuracy on consumer reports which is proof of violations. Their are laws which protect me the consumer and penalties for violations 42 U.S. Code 408 - Penalties which is another violation by falsely misleading and representing and attempting to assign collect or enforce an in fact frivolous fraudulent and false debt which is a obligation of the United States pursuant to 31 U.S. Code 3123 and also see 18 usc 8. Also article 1 section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility so what would be my options to repay this alleged debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2018-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I am filing this complaint because XXXX  ( credit file confirmation # XXXX XXXX, Transunion ( credit file # XXXX ), and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 2018-05-17
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I made a large purchase with my XXXX Credit card. It was order number XXXX and the amount was {$1500.00}. The order was messed up completely. Parts of it arrived damaged, parts of it arrived with pieces missing and one item, a table was not delivered for several weeks and then when it was finally delivered we were basically told that we could not inspect it and there were scratches in that. My wife and I each contacted customer service several times. Initially they refused to accept returns on the items and then they later said they would give us a 50 % refund. Several weeks passed and we were contacted by customer service to confirm that the table was finally delivered on XX/XX/XXXX. We informed them about the nightmare we had experienced. We also informed the customer service representative that we had been offered a 50 % refund and were given a very difficult time with the customer service representative claiming that they needed to pull calls and would not offer a refund like that. 
We would like to invoke the special rule for credit card purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07
Company: SUNTRUST BANKS, INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new SunTrust Advantage Checking account under bonus offer XXXX on XX/XX/XXXX. As one of the requirements I had to fund the account with {$100.00} within 14 days. 
As I was traveling and not near a branch I used Suntrust 's web site to request an external transfer to fund my new account. 
THREE such requests ( one on XX/XX/XXXX, and two on XX/XX/XXXX ) were rejected/cancelled by Suntrust days after they'd been submitted. The fourth transfer request on XX/XX/XXXX ( on day 14 since account opening ) did finally go through and the funds arrived on XX/XX/XXXX. 
The external transfer system at Suntrust is clearly broken - so far only 2 out of 8 transfer requests I've submitted have been executed. 
It appears Suntrust is deliberately delaying processing and subsequently cancelling their customers ' external transfers so that they can run down the 14-day clock and claim that the account did not comply with the bonus offer requirement.

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 2023-07-13
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
The information the are reporting is old and not correct. They investigated and was not able to provide accurate information. I want this deleted as its affecting my credit report and score. This was a jet ski account that they sent me the title too and I sold and they are showing I still owe money. I want this account deleted as if I owed them money I would have never got the title to the vehicle. Every time they give me a different amount that I owe and was deleted off one credit bureau not the other ones. Please delete the account from my 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 2023-09-20
Company: MIDFIRST BANK
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX XXXX XXXX  handed my original mortgage to a small bank in California maybe a year ago. 
My mortgage was up to date and in good standing. 
XXXX would not take my payment. 

The new bank would not send me a bill/statement for several months but instead sent me applications to refinance and also applications to modify my loan. Which I responded that I was not delinquent I would like to pay my monthly bill. 
I also told them I would not sign any new contract with them. 

My mortgage was paid up and was not delinquent when all of this initially transpired. 

I then began researching and started the administrative process with XXXX XXXX  and also with this new bank. 

First I sent via Certified mail, an FOIA request to This new bank in which they did not respond in timely manner and did not provide proof of standing through answering request in full or providing ORIGINAL PROMISSORY NOTE with WET INK SIGNATURE/debt instrument I sent a second request, via Certified Mail, they did not answer timely and again could not provide proof of standing. 

Finally, on XX/XX/XXXX I sent via Certified Mail, a NOTICE OF DEFAULT and CEASE & DESIST to them. 
I received a letter from an attorney down in XXXX yesterday asking for me to contact him and let him know how i wanted to handle my debt with them. Then about an hour ago I was served a stack of around XXXX different electronically filed papers ( XXXX XXXX, SUMMONS AND NOTICE ( non jury mortgage foreclosure ), COMPLAINT, and CERTIFICATE OF EXEMPTION/WITHDRAWL FROM ARBITRATION AND MEDIATION ) Of course, I have copies of everything I ve shared here

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 2018-12-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a promotional offer with no interest or transfer fees, etc for a year upon opening of my account. However, I have been charged XXXX in fees and {$440.00} in interest YTD and despite efforts to have them credited, have not been successful. 

I was told I should have called in advance to get a better explanation of the cash advance terms as they prefer that we call before using. As a new card member, I find this to be deceptive advertising and request that the interest and fees be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a Citi checking account about 8 years ago. It was free as long as I did 2 online transactions a month. So I did direct deposit and an auto draft free for my health insurance. 

Along the way Citi started fees. now, they want {$25.00} a month AND gave me no options - like to convert to a fee free checking account. I am XXXX with XXXX XXXX and XXXX failure. I can not afford a $ 25 monthly new fee. 

I asked them to refund the fee and try to find me an alternative checking account to avoid the fee via chat on XX/XX/2020. They declined my request to refund the fee and gave me no options for another 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 monetary relief
Consumer complaint received 2021-06-28
Company: OCEANSIDE MORTGAGE COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020, I refinanced at a 3.25 % interested rate and my mortgage payment was XXXX. Due to COVID, I was unable to pay my mortgage and took out a COVID loan for the month of XXXX through XXXX. I resumed my normal mortgage payment in XXXX. On XX/XX/XXXX, an escrow analysis was done and my mortgage jumped to XXXX due to a shortage in my escrow. Oceanside Mortgage agreed to spread the escrow shortage over 60 months on XX/XX/XXXX and I was told to pay {$2300.00} for XXXX mortgage per their notes and which I paid and in XXXX my mortgage payment would rise to {$2300.00} for the next 60 months which I have already paid. Oceanside continues to harass me about a shortage in payment in the amount of {$270.00} which i do not owe them. They continue to say they will fix the issue but it never happens and because of this, they refuse to take my XXXX payment, which can put me in a delinquent status. I need help now and will file a complaint with the FHA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus continue to report inaccurate accounts on my credit report after I disputed them accurately. Im attaching all the info with this compliant so they can stop illegally reporting inaccurate info

Company response to consumer: Closed with explanation