BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: JPMORGAN CHASE & CO.
State: AL
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:
On XX/XX/XXXX, I phoned Chase Credit Card Claims to notify the Bank of a potential dispute involving charges assessed during that month and the previous one by a landlord that charges " accelerated rent '' and had been endeavoring throughout my three-and-half years as a tenant -- as such landlords are wont to do -- to manufacture a pretext for either evicting me or forcing to vacate prematurely in order to maximize the illicit profits to be derived from Clause # 27 of the Lease Agreement that allows the landlord to collect the full rent due under the remainder of the original lease term if a tenant breaks the lease without the landlord 's permission for any reason, without any obligation to re-let the apartment after the tenant vacates. I was told by the Bank at the time that the credit card payments I had made could be disputed to reflect funds owed to me by the landlord and the Bank had me " covered '' in the likely event that I was not able to come to terms with the landlord. Nonetheless, when I followed up with the Bank the following month to formalize my disputes upon being forced to vacate on XX/XX/XXXX after the landlord falsely alleged on XX/XX/XXXX that I was a holdover tenant without assessing the double-the-rent penalty provided for under Clause # 12 of the Lease Agreement in the event of holdover tenancy and demanded that I vacate my apartment within ten days ( my initial lease term had expired at the end of the previous year, at which point I became a month-to-month tenant while addressing fallout from the sudden demise of my mother on XX/XX/XXXX from XXXX XXXX ), I wound up ultimately being informed by the Bank on XX/XX/XXXX that the charges were valid, despite a 70 page fax sent to the bank on XX/XX/XXXX containing details regarding both the funds owed to me by the landlord and the relentless efforts of the landlord to extort me into paying a fraudulent debt through willful negligence and systematic abuse. Furthermore, the new ( as of XX/XX/XXXX ) Georgia Code 44-7-24 allows landlords who engage in retaliatory conduct to be penalized as much as {$500.00} and one month 's rent ( or {$580.00}, in my case ) for each separate incident of retaliation in response to tenants reporting a landlord 's negligence to local or federal authorities, which is what my landlord did with me when I reported a toxic mold infestation caused by water damage in my apartment to Municipal Code Compliance on XX/XX/XXXX and also on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRUIST FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
The Credit Bureaus never did a proper " Investigation '' according to the FCRA. The term investigation consumer report means a consumer report or portion thereof which information on a consumers character, general reputation, personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also, they have violated my rights even more in accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my credit report. The Credit Bureaus stated my account was properly investigated by how is that possible if the open date is inaccurate, the date last active is inaccurate, and laste last reposted is not accurate. This is ground or removal. They also violated the law because according to 15 U.S.C 1681 section 602A 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 an account without my written instructions. I did not give anybody 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 explanation
Consumer complaint received 2022-04-07
Company: ACIMA CREDIT, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with ACIMA. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Affiliate Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I spoke with an employee at Pendrick Capital LLC and she was very rude. She would not give me an email address, fax number, or her full name. She over talked me the entire time so I asked to speak with a supervisor. This company has repeatedly outsourced a Medical account that does not belong to me and reporting this inaccurate information onto my credit report. A Supervisor contacted me on XX/XX/XXXX. She stated her name was XXXX. After researching the company I find out that her name was XXXX XXXX. She would not give me any transparency pertaining to the company and she deceived me with a fictitious name. She also called me from a New York area code when this company is based out of Virginia and XXXX. She also did not want to give me an email, fax number or full name. Ive been a victim of identity theft and I told this company this 2 years ago. They removed it from my credit after sending them a police report but they continue to shop this account around to different collection agencies that are putting this account on my credit report. This company has a tremendous amount of lawsuits and continue to operate in an illegal matter and needs to be shut down. There website is very vague and gives not much information. 

They have placed a XXXX and XXXX medical account with a company called XXXX XXXX XXXX and it appears on my credit report as if I opened it on XX/XX/XXXX. This is inaccurate and its breaking the FDCPA Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Special Financing Company, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I am writing to your agency in hopes someone can help me with this company. I am going to explain what happened : I got involved in an online business opportunity fraudulent scheme. After I paid one company all these fraudulent companies were calling me by This company called XXXX XXXX XXXX contacted me by phone on XXXX/XXXX/2016.  They were very pushy. It was supposed to be an at home business opportunity. They asked me to pay {$3000.00}. I told them I did not have it, they were very persuasive and did not take no as an answer, so they told me not a problem they could finance it, so I paid them {$500.00} and they were going to divide the remaining balance of {$2500.00} plus the APR+18,99 % and charge me a monthly fee of {$120.00} taken automatically from my account. I had second thoughts and canceled my services within the 3 day period. I am still trying to get my {$500.00} deposit from this company till this day. They wo n't answer my calls. Complete scam. I did some research on this company and all I found was bad reviews. They have a " F '' with BBB.So that 's when the company Special Financing Company LLC comes in to the picture. They still charging my checking account a monthly charge of {$120.00}. How can Special Financing Company LLC still charge my account and back up this fraudulent company? I did not receive any services, I canceled my services and I still being charged. I need your help and try to immediate it please. They are taking from my XXXX account every month. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Company delivered printed personal financial information to my daughters husband while I was not present. No even in an envelope, just handed over all my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
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:
My XX/XX/2018 Car Payment for Nissan Motor Acceptance was reported 30 days late on my credit report with XXXX, XXXX snd XXXX.The Payment was due XX/XX/2018 and I paid it XX/XX/2018.Thats only 19 days late.They reported it 30 days late.I have done several disputes online and via mail but they claim it was reported correctly.I sent all three bureaus a copy of my bank statement showing I paid XXXX on XX/XX/2018 but they stil would not change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT AND DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
These account review inquiries on my TransUnion credit report I do not recognize. I have not done anything with this company. I would like these removed, even though they do not hurt my credit score.

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2017-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We had a first mortgage, second mortgage ( home equity loan ), and third mortgage ( home equity line of credit, {$10000.00} ) all with Bank of America on our home in XX/XX/XXXX. The bank foreclosed on the property in XX/XX/XXXX. As a result, the first and second mortgages were canceled. The second mortgage was completely forgiven in XX/XX/XXXX as part of the bank 's settlement with the Department of Justice. But the bank did n't do anything about the third mortgage. 

During the foreclosure process, the bank told us to keep paying the third mortgage until the process is completed. We have been making the monthly payments on-time every month in spite of the fact that the property has been foreclosed and subsequently sold by the bank. 

Now the bank tells us that our monthly payment amount will triple. We have tried to call the bank and show them that this loan was supposed to be included in the original foreclosure. They now tell us that the home equity loan department and mortgage department do n't use the same system, therefore the information about the foreclosure was n't shared between them at the appropriate time. 

We want this home equity line of credit to be included in the original foreclosure and to stop being charged.

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 2017-12-26
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Stallings financial Group of XXXX Georgia put an erroneous collection item on my credit report. I disputed this through XXXX and the collection agency reaffirmed that I owed the debt. I contacted the original creditor, spoke with their business office and billing service and both confirmed that I was not in their system. I attempted to contact Stallings Financial Group and was unable to reach any individual. This collection agency is located as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX. 

I noted that several other people have had similar experiences with this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XXXX XXXX, 2020 I mailed into TransUnion via Certified Mail XXXX, an Identity Theft Fraud Report In accordance to the FCRA Section 605 ( A ). The Identity Theft Report including all the necessary documents,, 1. the Appropriate proof of my identity,2. A valid copy of an Federal identity theft report with sworn affidavit, 3. A notarized statement from myself of the fraudulent accounts as well as a sworn affidavit stating that the account and transactions and information in question is not any accounts or transaction related tome the consumer. TransUnion failed to block all the accounts identified in the Identity Theft Fraud Report as fraudulent accounts. This is a blatant violation of the FCRA Section 605 ( A ), ( B ). I will be taking legal action for this violation. TransUnion has 7 days from the receipt of the complaint to block the remaining negative fraudulent account. TransUnion 's registered agent is simultaneously being served with legal process on this matter in regards to this violation. If the Negative information is not blocked I will be seeking damages for willful negligence and defamation. TransUnion Needs to adhere to the FCRA in regards to the my Identity Theft Fraud Report in their posse

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 2017-12-26
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Synchrony denied on-line credit for Care Credit product in XX/XX/XXXX and on XX/XX/XXXX and XX/XX/XXXX for a XXXX XXXX. These products cost approximately {$2500.00}. In all three cases an on-line generated denial was provided indicating only a credit score of XXXX. See attached file. 

In all three cases, no letter was sent to me from Synchrony Bank indicating the reason for credit denial. I believe this is in violation of the Fair Credit Reporting Act. 

The result of the denials, my credit score has suffered as a result. As of XX/XX/XXXX, no letters have been sent to me regarding this matter. Additionally, Synchrony Bank is not using my latest credit score from XXXX. The XXXX score they communicated on-line has not been current in several years. It appears Synchrony Bank is not purchasing credit history on a frequent basis or are unwilling to communicate why they used a XXXX credit score.

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 2019-10-10
Company: TD BANK US HOLDING COMPANY
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is in regards to a Target RED card.I called and spoke to 4 different people trying to cancel this card. 

In XX/XX/2019, I went online and paid the balance off for the credit card and asked to close the account. I had a flood in my condo and was not able to live there for two months. I had my mail held and paid off my debts while displaced. Now we have returned and I have a statement from Target that although I paid the balance there was a late fee that has compounded from {$7.00} to {$150.00} ( three months time ). 

Today, XX/XX/2019, I called customer service asked to cancel the card, clearly it had not been back in XX/XX/XXXX, and asked who I could speak to about these additional fees unrelated to any merchandise purchase. I was bounced to four different phone reps - all who said they can't cancel the card. I repeated the same request to cancel this card ( to stop the fees accumulating ) and to speak to someone about the fees. Each time they said no to closing the account and they would not be able to cancel the fees. Mostly I thought it was unethical for them to refuse to cancel the card to stop the accumulation of NEW fees while I dispute the old fees. 
The last persons name I was given as a " manager '' I could call back because no managers were " on the floor '' was XXXX XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: EQUIFAX, INC.
State: IL
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:
After sending information to verify myself with my disputes ( XX/XX/2018 ), Equifax, XXXX, & XXXX, in concert, have failed to investigate or respond to issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Real Time Group, Inc.
State: FL
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:
There is an account reporting on my XXXX and XXXX  that is past the statue of limitations yet this Realtime Resolution continues to report it as a collection account when it was charged off with XXXX over 7 years ago. They continuously report an aged account and that is against the FCRA! This is absolutely insane and they report the account as being past due of {$45000.00} and balance of {$130000.00} if the account is a charged off account then how could the balance be any different than the past due?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Checkr, Inc
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On my report it states that I also go by the name XXXX XXXX. This is incorrect. I believe she attempted to steal my identity and use my information to obtain internet services. 

Also my criminal background report is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: TX
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:
High Credit, Past due amount, date of last payment, last reported and payment history are not being reported factual and consistently between the three major bureaus. Account Name : XXXX XXXX I am requesting that this account not be updated and I am demanding that this account be permanently removed from my credit file. 

I have attached and highlighted the inaccurate reportings from each account that are reporting inconsistently between each bureau. AGAIN, I am not requesting an update on these accounts, I am demanding a deletion of this account and I am demanding that you not ignore my demand. 
By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report. It is to my understanding that you will recheck these items with the creditor who has posted them. I also understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. Thank you for your time and help in this matter

Company response to consumer: Closed with explanation