BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have contacted the credit reporting agencies about fraudulent accounts that have been opened in my name and I requested them to be removed from my file. The information is inaccurate and not valid, I needed to mail them current ID and mailing address along with fraud affidavit to support my concerns. They have not removed any negative inaccurate reporting nor have they removed any of the fraudulent accounts that I have reported to the agencies ( XXXX, Transunion, XXXX ). Since I have been disputing the inaccurate account, the bureaus have not sent me any credit reports nor have they followed the Fair Credit Reporting Act rules that are in place to protect the consumer. My rights are being violated my personal information has been compromised and I need to get the accurate information to be reported on my report. I am a victim of identity theft and I must have some valid proof from somewhere with a contract or a verified agreement that has my signature, I request this from the 3 credit agencies and they have not provided me with any documents to confirm any debt to be valid or connect to myself.

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 2020-05-19
Company: EQUIFAX, INC.
State: CA
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 disputed a fraudulent inquiry on my credit report on Equifax, which ended up being rejected. Then I submitted another complaint, in which Equifax said they looked into the matter and it was yet again rejected. This was about a fraudulent XXXX XXXX inquiry on XX/XX/XXXX on my credit report. XXXX XXXX  has confirmed that it was in fact fraudulent and they send me a letter confirming that they have reported the fraudulent activity to all 3 credit bureaus. Equifax did not remove the inquiry. I submitted a complaint on the CFPB. on XX/XX/XXXX, Equifax responded that a letter was sent to my address with their response. I have not received the decision to their " investigation '' and would like one as soon as possible. Both XXXX   and XXXX  have removed the fraudulent inquiry because XXXX XXXX has informed them. I called Equifax and everyone literally hangs up on me. I don't know what else to do but to go to a small claims court. These complaints are my documentation that I have done my due diligence and have given Equifax ample time to respond to my dispute. I have a letter from XXXX XXXX that was sent to me attached, indicating that they have investigated the fraudulent inquiry and have informed the credit reporting agencies of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am disputing collection debt for over 3 month now. Portfolio Collection company also filed a lawsuit .This company is using scarring technic to force me to pay the debt the was never validated .Ownership was never established .and proper paperwork was never provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX for {$130.00} and {$340.00} should be credited to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Victim Fraud Assistance Department, Equifax Breach Victim I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove closed account information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop  reporting this information to XXXX, Transunion and XXXX  as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX, Transunion and XXXX. Please stop reporting this fraudulent information and delete these items attached to my complaint as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.

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 2020-02-24
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
my mortgage was transferred from XXXX  ( XXXX XXXX on or about XX/XX/2020 to freedom mortgage and i was never told in advance or at all - i found out by checking XXXX  'XXXX  website regarding my account information. prior to that i began the process to refinance my mortgage with XXXX XXXX. XXXX XXXX   contacted and obtained a payoff amount from XXXX XXXX on XX/XX/2020 and was valid thru XX/XX/XXXX, XXXX not once did they notify XXXX XXXX that the loan was being transferred to freedom mortgage. the total transferred to XXXX XXXX was {$170000.00} which included paying off the principal of {$170000.00} ; prepaid interest thru XX/XX/XXXX of {$790.00} ; an escrow shortfall in the amount of {$1600.00} ; an expedited delivery fee of {$25.00} ; and a $ XXXX county recording fee. the total payoff amount given by XXXX XXXX was {$170000.00} which was about {$100.00} less than the amount transferred to XXXX XXXX on XX/XX/XXXX, XXXX the negative escrow amount was created by XXXX XXXX when in error they overpaid my property taxes by {$2100.00}. i have a federal confirmation number ( #  XXXX ) that the wire in the amount of {$170000.00} was received by freedom mortgage on XX/XX/2020. I made numerous calls to freedom mortgage and once speaking with a supervisor, XXXX ID # XXXX, and was told he didn't know where the wired funds were or when they would be credited to my loan and pay it off. he assured me that 1 ) i would not be listed as past due ( as the loan payment was due on XX/XX/2020 ) 2 ) i would not be reported as late to the credit bureaus and 3 ) I wouldn't be charged interest after the date the wire was received by them to payoff the loan. on XX/XX/XXXX XXXX XXXX sent a second wire in the amount of {$2100.00}, the amount refunded to them by my county treasurer for the overpaid property taxes, to freedom mortgage. these funds, along with the wired funds to payoff the loan should result in a refund to me of at least the {$2100.00} of the escrow funds and approximately {$100.00} of the overpayment with the wire to payoff the entire loan amount. i spoke with a rep from freedom mortgage today and was told that they would only be refunding me {$2000.00}. I was told that they charged me an additional {$160.00} for interest ( 8 days ) from XX/XX/2020 to XX/XX/2020 when the recorded the loan to be paid off. I should not have to pay additional interest for 8 days because THEY took time to payoff my mortgage.

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 2020-11-20
Company: JPMORGAN CHASE & CO.
State: SC
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:
I applied for the Chase XXXX XXXX card because of the 0 % interest rate on balance transfers they offered in at least 3 mailers inviting me to apply for the card. I applied for the card on XX/XX/20, was approved for the card on XX/XX/20 after sending additional documentation and calling Chase. I received the card on XX/XX/20 and called to get my account set up and card activated on XX/XX/20. When I logged on, I did not see an option to execute a balance transfer anywhere on the site, so I called back. I was told by 3 different representatives that there are no balance transfer offers on my account at this time and that there is nothing they can do about it. The third person I spoke to told me I could eventually have an opportunity to do a balance transfer in the future if their marketing team invited me. 

I applied for this card solely for the balance transfer offer. The 0 % interest rate on my other business account expires on Wednesday, XX/XX/20, so I thought I would have plenty of time to initiate a balance transfer by applying on XX/XX/20, but now, Chase is telling me that's not an option for me. They used false advertising to lure me into an offer they never planned on giving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On Friday, XX/XX/2020. I sent XXXX $ dollars to gemini ( cryptocurrency exchange ) using and ACH bank deposit from XXXX  XXXX XXXX, in which later showed up on my gemini account. 
At around the same time I deposited to gemini, my original bank XXXX XXXX  XXXX XXXX XXXX was in the process of changing my name from XXXX XXXX to XXXX XXXX XXXX. ( I did not mention this to gemini due to reasons I wont be going over now. ) On XX/XX/2020 I have sent an order to withdraw XXXX XXXX from my gemini account only to be penalized by a XXXX $ name miss match fee, and cancel my withdrawal. 
On XX/XX/2020 I emailed gemini to re validate my account, I offered to show my old and new driver license as well as any legal documents to help solve the issue and prove my identity. 
Ever since then I emailed them many times, I also gave them phone calls with voice messages without any replies either. 
My account currently sits idle with my funds in it, without any ability for me to withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, 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. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I received a promotional offer to get {$400.00} after opening a checking account with SunTrust. On XX/XX/2020 I opened a checking account online using their promo code to receive the {$400.00}. I need to direct deposit money to this account, but am unable to continue because I CAN NOT GET THROUGH TO ANYBODY AT THE BANK. I've called numerous times and waited on hold FOREVER and can not get anybody on the phone. Today I finally got through to SOMEBODY IN THE XXXX. XXXX. I've never had a bank transfer me overseas to take my banking details. I need the bank to personally call me to document the details of this offer as I plan on closing the account after the funds are credited to my checking. So far, it would appear this bank is a complete scam and can not even handle incoming phone calls.

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 2020-05-19
Company: EQUIFAX, INC.
State: WI
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:
I disputed the account XXXX XXXX  XXXX with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$220.00} ) with Equifax , XXXX  and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$150.00} ) with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$250.00} ) with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$910.00} ) with Equifax , XXXX and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$720.00} ) with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXXXXXX and the incorrect information is still there. 
This account was Never Late, NOT CHARGED OFF AND DOES NOT HAVE A BALANCE. However Equifax, XXXX and XXXX have it marked as late, charged off with a blance. 

I disputed the account XXXX  with Equifax, XXXX and XXXX and the incorrect information is still there. 
This account was Never Late and never charged off however Equifax, XXXXn and XXXX have it marked as late and charged off. 

I disputed the account XXXX XXXX  XXXX and the incorrect information is still there. 
This account was Never Late, and NOT CHARGED. However Equifax, XXXX and XXXX have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made my payment to this company on XXXX for the mortgage due on XXXX. I 've paid them every month and would be current and only have to pay for the month of XXXX. They informed me that they sent my payment to the originator of my loan without informing me or discussing the situation. The originator of my loan was paid in full with no money due, however The Money Source still states that I owe them. I 've have bank statements that prove I 've paid them and would only be due for the month of XXXX. They have reported these inaccuracies to the credit bureau which has harmed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Windham Professionals, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
For the time that I have been out of school, my student loan has bounced around to different " creditors. '' Each time it has been " sold '' to them, another surcharge has been added. According to my calculations, they've tacked on almost another {$1000.00} dollars on top of my {$3500.00} dollar loan. I have set up payment plans numerous times for them to be paid for about six months and then suddenly stop, putting my loan back in to default and adding on more surcharges. 
Now, my account is currently being overseen by Windham Professionals. I spoke with them around the beginning of XX/XX/XXXX, they were trying to set up yet another payment plan, stating my loan was yet again in default. When I asked to young lady to provide me with any statements or records of my account, she caught an attitude, claiming that I should have records of everything I paid and that it wasn't their responsibility to provide me with any information. 
To me, this seems like I'm being scammed. There should have not been any reason to put a stop on any payments i was making. This seems like they are purposely putting a stop so they can add more fees and collect more money from me. 
In XX/XX/XXXX alone, I paid off {$2000.00}.

in XX/XX/XXXX, another {$510.00} That is just what I've been paying since I've been working at XXXX. I do not have access to the statements from previous employment when I was set up to make payments automatically. 
They are currently saying I still owe over {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During the month of XX/XX/2020 I was made aware of an attempt to collect a debt on my credit report. American Honda Finance XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX reports that I have an account with them and I do not. his was falsely placed on my credit file over 3 years ago and was successfully removed once already. The creditor has indicated that the account number, status, condition or creditor name has changed on this account however none of this has changed. This is illegally be reported again. I have successfully removed this from my credit file. I never had business with Honda Finance therefore there is no change to account #, or amount of debt because I've never had any business with Honda and this has been taken care of once already. This is harassment. This was disproved once already and they are unfairly hurting me financially and taking advantage of me as a consumer. They had no proof of this being a debt of mine. I was a victim of credit fraud and itr has been well documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: LendUp Loans LLC
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
Attempted to call customer service on XX/XX/2019, two hours later, I am still waiting for a customer service clerk to call me back. By way of this complaint, card ending in XXXX was lost and I just noticed it today. Additionally, charge for {$430.00} on XX/XX/2019 is a fraudulent charge based on my lost card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation