BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX , XXXX XXXXAccount # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-05-04
Company: EQUIFAX, INC.
State: FL
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I reported my account to Synchrony Bank Sam's Club MasterCard back in XXXX because there was some transactions made when I was on active duty orders and I have proof showing I was on XXXX XXXX military XXXX and I keep trying to send them multiple ways through fax and through certified mail and they keep claiming they can't get my orders so now you're saying I have to pay for the fraud when I wasn't even here every time I try to contact them they gave me the same story saying they can't do anything about it and can't reopen the case they say they can't pass me to a supervisor and they can't accept any information any other way. I know they can get my XXXX XXXX XXXX because they have applied them before but now when it comes to fraud they don't want to apply them and want me to pay these purchases that were made in my home state while I was gone

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 2019-08-16
Company: SoFi Mortgage, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our closing date had been set for XX/XX/19 since Mid-XX/XX/2019 . Sofi received the Preliminary Closing Statement from XXXX XXXX on XX/XX/19. I asked multiple times to see the Closing Disclosure starting on XX/XX/19. The last time I heard from anyone at Sofi about the CD was on XX/XX/XXXX at XXXX CT after I had to ask yet again. I was told "It may be a bit later this evening, but it will be out today". This violates the 3 day rule we get to review the closing documents. This will cause a domino effect where we, the borrowers, need to spend thousands of dollars to move out of our current home, storage our items, find housing, pay for pet care, pay for food, then hire movers again. Between myself, my realtor, my home building company, the title company we have all reached out to management via email and phone with no response until XXXX CT on XX/XX/XXXX. The response received was confirming they will contact an appraiser and did not address any other issues. Also, Sofi does not accept any type of Escrow Agreements for new construction, which should be communicated upfront. The appraiser they hire should be looking to make sure everything is complete to report a possible problem ahead of closing. As of XXXX CT on XX/XX/19 (Friday) we do not have a Closing Disclosure for a loan that was scheduled to close on XX/XX/19 (Monday).

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 2021-06-12
Company: Cascade Capital, LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX was stuck in door on XX/XX/2021 from Cascade Capital , Llc. on a debt that was purchased from XXXX XXXX XXXX XXXX. The amount being sued for is XXXX. The statute of limitations in Louisiana to collect a debt is 3 years. Signed contract and promissory note of debt owed to Cascade Capital Llc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Experian Information Solutions Inc.
State: FL
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:
In XX/XX/2018, I submitted a dispute towards unverifiable items on my credit report, asking for proof of Original documentation of the transactions in question. I received neither proof or response in regards to any progress of reconciling and removing the improperly reported accounts.

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 2019-08-16
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
1.IberiaBank's Promo bonus offer of $XXXX to open new checking account.  On XX/XX/2019, I opened new a/c  and was assigned number XXXX with $50.00 using promo code XXXX online banking via their ID number XXXX.2.I   then visited local branch to sign completed documentation and set up direct deposit of at least $500.00 per month. On XX/XX/2019 first direct deposit was received. Thereafter, deposits made in XXXX, XXXX. 3.Vendor has not complied with offer terms . It has declined to pay $XXXX bonus amount.They claimed that I did not enter the legend "XXXX" but I informed them that they accepted and approved my application under ID number authentication as above. Subsequently, when I called to verify status of credit, they stated that denial was because offer was not valid  to "clients or  households who have previously had an account with Iberiabank". After my a/c was opened, I referred a roommate who lives at same address as mine. Said person applied for a XXXX Promo bonus offer at the branch, was approved on the spot and subsequently received the promo $XXXX credit.The federal IRS definition of what constitutes a household is very clear and definitive,ie"A person(s) who is related to another by sanguinity for (three)3 generations." They claim that since both of us roommates share the same street address, this constitutes a household. However, I claim that since they are a  bank federally regulated by the Federal Reserve Board and by CFPB, and are insured by FDIC, that Federal Law, including IRS regulations and definitions prevail over any and all other State, County, or local laws and customs and practice, as it pertains to Federally Supervised commercial banks. I wrote a letter of appeal to XXXX XXXX ( telephone XXXX XXXX XXXX XXXX) who reviewed this issue and denied the payment of my Promo bonus

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 2019-08-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I called Paypal credit to make payment arrangements, they told me my account was sold to XXXX XXXX XXXX XXXX, they gave me the number and I called them immediately and set up a payment arrangement of XXXX  a month, I made a payment that day and asked for a confirmation letter to send to me . I waited, no letter I called 3 times asking for a letter XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I finally received a copy of the original letter sent on theXX/XX/XXXX with a different amount of" willing to accept"  than a letter I received in the mail after our initial agreement .I made a payment on the XX/XX/XXXX. On XX/XX/XXXX I tried to log on and make a payment but could not log on,  on XX/XX/XXXX I called XXXX and they told me that Synchrony bank took the debt back . I call Synchrony bank and the agent said I owed the total amount i refused and said I had an agreement with XXXX and that is what I am going to pay, he would check into it and get back with me, as on XX/XX/2019 I have heard nothing. This is the second time Synchrony bank has done this to 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 2019-03-13
Company: PNC Bank N.A.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Yesterday, XX/XX/2019, we went to PNC downtown XXXX, NC to talk to the loan officer about the loan we took out to replace the variable interest load with a fixed interest loan, our pay off balance yesterday was {$60000.00}, on the internet. This morning I get up and the loan is payed off and almost transferred. Problem is the Pay Off this morning is {$60000.00}. There should not have been any late fees or other charges.

Yesterday when we were talking to the loan officer, she stated that the ( on line ) pay off balance was correct, ( when talking to another person on the phone to answer our questions about the difference in statement figures and on line figures ) she stated that the paper statement was incorrect and reflected the XXXX balance, on the XXXX Statement that we showed her. So it looks like the PNC Bank has charged us {$520.00}, to pay off the loan, we were told that we would not be charged to replace our variable interest loan with a fixed interest loan, the new and old loan were at PNC Bank, and there was not supposed to be a charge for closing costs on the new loan.

SO WHY DID THEY CHARGE US {$520.00} TO PAY OFF OUR OLD LOAN? This question was asked yesterday, and the loan officer said she was confused and couldn't answer our question. OLD LOAN NUMBER XXXX None of the balance figures add up on this simple interest loan, and we want to know why?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-06-08
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 am writing to file a formal complaint for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. Specifically, The credit bureau// has failed to comply with their obligations under 15 U.S. Code 1681b and 15 U.S. Code 1681a by reporting inaccurate and misleading information on my credit report I viewed my credit file on XX/XX/2023. Within the report i noticed that there were numerous addresses included in my file that are not my current or past address. I disputed the incorrect information and challenged each incorrect address. On XX/XX/2023 I received a notification that my dispute was updated and the incorrect information was showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
There are 3 accounts that I requested information from the companies and only one company responded with a generic letter stating they would send information and they still haven't. The three accounts are old and past the statue of limitations.

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 2021-05-20
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was sued by LVNV Funding LLC, alleging that I owe them a debt that they bought from the following companies with Chain of Title : LVNV Funding purchased the debt from Sherman Originator LLC on XX/XX/2019, who purchased it from Sherman Originator III LLC on XX/XX/2019, who purchased it from XXXX XXXX XXXX on XX/XX/2019, who purchased it from the original creditor XXXX on XX/XX/2019. 

I do not recognize the original debtor, and I have requested validation of the debt multiple times from LVNV Funding XXXX who is also my former employer through Resurgent Capital Services, their Account Administrator ), who has not provided me this validation in a manner that satisfies my inquiry. I feel this action is harassment, given that they have not provided adequate chain of assignment, and LVNV Funding has been sanctioned multiple times for this behavior. Their attorneys ( XXXX XXXX XXXX XXXX are also the subjects of various investigations by the CFPB and the New York State Department of Finance into actions such as robo-signing of lawsuits and others acts of bad faith. XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  In my case, my attempts to seek substantiation of debt were met with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: JPMORGAN CHASE & CO.
State: MD
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:
Ladies & Gentlemen:My wife booked a reservation for a golf vacation package with the XXXX XXXX XXXX XXXX   in the XXXX XXXX  on XX/XX/2019. The price that was quoted by the resort for the vacation package was US $XXXX. This price was clearly stated in an email communication of XX/XX/2019 from the resort as the "Package Total: $XXXX" (A copy of this email is included in the attachment)My wife provided our Chase credit card information to the resort and the account was charged $XXXX  in two separate charges on XX/XX/2019. (A copy of our account statement is included in the attachment)During her stay at the resort in early XX/XX/XXXX, and, at her check out from the resort, she was never advised of any other charges due or pending. We never received any subsequent communication from XXXX XXXX XXXX.An unauthorized charge of $XXXX from XXXX XXXX XXXX  appeared on our Chase billing statement in XX/XX/XXXX and we immediately contacted Chase by phone to alert them to this unauthorized charge. We subsequently sent a written complaint to Chase and, on XX/XX/2019 they sent me a letter stating that they had favorably resolved this issue and would credit our account permanently for the disputed amount of $XXXX. (A copy of the Chase letter of XX/XX/XXXX is included in the attachment)I assumed this matter was over and done with until I received another letter from Chase dated XX/XX/XXXX advising they were rescinding their earlier decision, and now considered the charge valid and were removing the "permanent" credit for the disputed amount from our account. With this letter they also included information that XXXX XXXX XXXX had provided them which they claim supports the validity of the charge. (A copy of this letter and the information from the resort is included in the attachment) I have reviewed this information and believe it is false, inaccurate and misleading. I responded to this letter yesterday to advise Chase in detail of the falsehoods and inaccuracies contained in the XXXX XXXX XXXX information. (The response is attached) Please review the attachment and let me know if you have any questions.Thank you for your assistance.XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management took me to court for a debt that did not belong to me. On XX/XX/2019, a XXXX XXXX dismissed the case. However, Midland Credit Management is still reporting the debt to the credit bureaus saying that I owe it and it is still in collection. I disputed the entry and Midland refuses to remove it saying that the account is still open and that I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2017, XXXX XXXX charge late fees in connection to my mortgage in the amount of {$100.00}. I have paid my mortgage bills on time, and I wrote them twice about this matter, and they never responded to my letters or my phone calls. I have documentation of my payments shown in my bank account statements, and have the letters that I mailed them. I am requesting them to refund me back the {$100.00} because I was wrongly charged. I would also like them to remove any bad remarks they sent to the credit bureaus Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with company on XX/XX/XXXX. The company received my written disputes on XX/XX/XXXX according to certified mail receipts. It is now XX/XX/XXXX and I have to receive requested verifiable proof. Under the FCRA 15 U.S.C. 1681i, it is my right to have all unverified accounts promptly deleted. The company has yet to provide me with a copy of the verifiable proof even though I have requested this proof multiple times from them. According to the Fair Credit Reporting Act, 15 U.S.C. 1681g, Upon request the company is required to disclose to me all of the documents that are recorded and retained in my file at the time of this request concerning the accounts that are reporting in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
According to the company ( Chase Bank ) some type of credit checking report was done with it's current customers and at that time they deemed some customers " eligible '' for an increase in interest rate. They stated that I got the best interest rate a credit card company could offer. So, my interest rate went from 12.74 % to % 16.49 %, doesn't sound like a very good deal to me. When I called to discuss a double interest rate charge, I was told that I " qualified for the rate increase '' and only after three separate phone calls I was finally told that the purchases I already had on the account prior to the increase were protected at the original 12.74 % rate and the new purchases were now being charged the new rate of 16.49 % rate. As the new rate was not my issue, I wasn't too happy to hear that i was being billed two different interest rates. However, my concern was that the account was paid off in XXXX, so there was no longer a balance prior to the rate increase ( and purchases made XX/XX/XXXX and after should only be at the new rate not both ) but I still got hit with TWO finance charges!!!!

This is UNFAIR!!!! Their explanation and reason for the charges is totally unacceptable. If there is no balance on the account, HOW DO YOU CALCULATE INTEREST?????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: LA
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation