BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: Capital Accounts, LLC
State: LA
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 received my credit report from XXXX and I noticed a derogatory mark from Capital Accounts LLC. This account is involved in ligation. I disputed this with XXXX  and with Capital Accounts LLC. I was not notified on the outcome of this investigation. It has been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Cadence Bank
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020 my insurance company reached out to my lender XXXX XXXX at Bancorp South and asked for a payment for the escrowed amount owed. He asked for a statement and the insurance sent it over. The company sent it over with my name XXXX XXXX and in the name of our Company XXXX  XXXX XXXX XXXX. Instead of adding my husbands name XXXX who is the loan holder. XXXX after several emails to the insurance company never expressed the issue nor did he call me to correct it very quickly. He allowed the insurance to laps and Bxs put their backup policy on it with out my knowledge. In XX/XX/2020 Hurricane Sally hit and we had Loss of Use and some damage to the condo. I went to file the loss on my policy, only to be told I was NOT insured. After much discussion and communication ( see attachment ) I reached out to the Customer Service dept at XXXX, after I got no help from XXXX. To be clear, I was never informed that due to a clerical issue the escrowed amount would not be released, and never did my mortgage payment change to reflect that. I investigated further and the small act of XXXX calling me and or speaking to my insurance rep about the issue would have set in motion the adding and or changing of the policy name to as simple as a call. Bancorp South has my complaint in house for over a month and are now not returned my calls. 

Due to my not being able to claim Loss of Use and receive funds to compensate and the fact that I can not rent my condo means I am at a deficit. I am close to not being able to pay my mortgage and loosing my property. I need a resolution and I want XXXX to reimburse me what I would have relieved from my insurance company to keep afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed making a payment in the amount of XXXX to a person using XXXX. I called my bank chase bank to be exact and they said they could not help me at all. Scanners name is XXXX and goes by the number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/2019, we noticed that we were not able to access our HELOC account at US Bank, even though we could access our primary mortgage. Furthermore, while we received a paper mortgage statement for my primary mortgage, we never received a paper statement for the HELOC. This was a change when we refinanced 36 months ago, where we used to getting paper statements for both, as well as have on-line access to both accounts. This is important because, after refinancing, our HELOC payment changed due dates, from the first of the month ( like our mortgage ) to the XXXX of each month. This caused us to be habitually late on the HELOC mortgage, even  though we never knew we were late. The late fees were covered by us paying more than the minimum amount every month ( again, we had no idea this was even going on so didn't know we had late fees or that they were covered by overpaying ). We only identified the issue because we inquired about our adjustable rate on the HELOC, and as we spoke on the phone with customer service, they discovered we didn't have access to the HELOC account. Once they gave us access, we noticed all the late fees and that US Bank had also shut down the HELOC so we could not access the monies, which is why we set this up initially. When we asked for them to reconsider and review, we were told by the branch in XXXX, IN that they could not do anything, and that it was the responsibility of the borrower to ask for the statement if they weren't coming. We double checked with US Bank customer service and they confirmed that we were supposed to receive a paper bill, but we still are not getting them. This has not only created over a dozen late fee charges, but also affected our credit report negatively. Isn't it against the law to not send paper invoices ( when requested, up front ) and charge late fees without notification?

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX place a hold on my account for XXXX reason, ( they could not explain what this was ). Because of this I could not open an account with XXXX to get new internet and tv service at my new address. I finally got this block cleared after over 4 hours of having to text and talk with the 3 credit bureaus, XXXX and the 3rd party company they are using to verify identity could not or would not tell me which credit bureau was doing the blocking. This has been very aggravating. Apparently there was no valid reason for the blocking. 
BTW : I am a XXXX Veteran

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 2020-07-27
Company: PNC Bank N.A.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX had sold my loan to PNC Mortgage in XXXX. I have made numerous calls to PNC Mortgage in regards to why I had an escrow amount and then an increase in my monthly payment. All PCN customer service reps said it was due to a home owners insurance issue and that it would be resolved. My last phone call to PNC, I was told that the reason that it was not resolved is because I needed to contact XXXX XXXXXXXX because XXXX XXXX added gap insurance to my loan when sold. PNC said that XXXX XXXX needed to correct the insurance error and notify PCN. This is the only way to clear any escrow amounts/increase in my PNC mortgage payments. The two insurance policies documentation were provided to PNC and XXXX showing that there was never a gap in insurance. Both mortgage companies have told me they could not resolve. 

XXXX XXXX LOAN NUMBER : # XXXX PNC Bank LOAN NUMBER : # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I Tried to obtain an auto loan and some credit accounts, and my credit was shopped around without my consent, I checked my credit and saw that I had 47 hard inquires that I didn't recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information is missing that should be on the report

Complaint:
I have a CapitalOne card account opened since XXXX ending in XXXX. Around XXXX of XXXX, the account disappears from all three credit bureaus. I contacted CapitalOne when it first occurred and I was reassured that the there was no problem and that they had reported the account on XX/XX/XXXX, like they always do. I continued to check my report for the next couple of months and the account would not report to any of the three bureaus. I called several times and was reassured that they reported it and that it " must be a mistake by the credit bureaus. '' All three? I contacted the three credit bureaus and they said that they saw no so such account and that it was CapitalOne that was wrong. I contacted Capital One and they gave me an address to their obscure " credit reporting department, '' XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX and asked me to write a letter and send copies of the reports to substantiate my claim. There is no number or email in this age of technology for this so-called " credit department, '' just very slow snail mail. I sent the letter with the required information and got a response six weeks later with a statement saying that " they are reporting and they do not see the problem in their system. '' I gave up in frustration. Fast forward to the present and I have been back and forth again with both CapitalOne and the bureaus about this issue which is now negatively impacting my score by not showing a positive account with a good history and was told again to contact the same secretive obscure " credit department '' to try and solve the issue. Frankly, I don't believe that they will handle my request in good faith and that is why I am submitting this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: Reach Financial LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am extremely stressed about this matter with Liberty Lending, as the consumer and natural person they are violating multiple federal laws. Congress says under 15 USC 1605 determination of a finance charge - the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. Truth and Lending says that the finance charge is the SUM OF ALL CHARGES, the charges i've been giving is significantly higher than the finance charge. XXXX XXXX, a representative from Liberty Lending also violated my rights as a consumer by contacting me after ignoring my cease and desist letter and failed to provide accurate information for the validation of this alleged debt. I, XXXX XXXX give permission to all parties involved to investigate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EdFinancial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Edfinancial Services XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX : ( XXXX ) XXXX SS # : XXXX XXXX : XX/XX/XXXX Account # : XXXX RE : PLEASE UPDATE MY NAME ASAP To Whom It May Concern : Ive recently been informed that my loan has been transferred to your organization. Apparently, my name was listed incorrectly as XXXX XXXX XXXX, however, my legal name is XXXX XXXX XXXX. 
Please be advised. I have attached proof of identification and proof of address. 

Sincerest Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: CA
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  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX XXXX  XXXX Account # XXXX , XXXX XXXX XXXX Account # XXXX , XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  CA XXXX XXXX Account # XXXX XXXX XXXX XXXX  CA XXXX XXXX Account # XXXX XXXX XXXX XXXX  CA XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  XXXX XXXX  XXXX Account # XXXX , XXXX XXXX XXXX Account XXXX XXXX , XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  CA XXXX XXXX Account # XXXX XXXX XXXX XXXX  CA XXXX XXXX Account # XXXX XXXX XXXX XXXX  CA XXXX XXXX Account # 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 2020-12-03
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 am reaching out to you so that you will assist me in getting identity theft items and incorrect status items and unknown items removed from my credit file. the following items does not belong to me : XXXX XXXX  - XXXX XXXX XXXX  - {$560.00} Unknown - Acct # XXXX ; Bal {$41.00} Unknown - Acct # XXXX ; Bal : {$41.00} XXXX - {$1300.00} XXXX  - {$390.00} The following items are reporting an inaccurate late status for the following accounts : XXXX  - Bal : XXXX ; incorrect late status of 30 days late in XXXX and XXXX XXXX  XXXX - Bal : {$19000.00} ; incorrect late status of 30 days late in XX/XX/XXXX XXXX XXXX XXXX - Bal : {$200000.00} ; incorrect late status of 30,60, 90, 120 days late in XXXX and XXXX The following Public Record is not mine : Chapter XXXX - Dismissed 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 2020-12-15
Company: Law Office of Brett M. Borland, P.C.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been contacted several times by this law office about debt and requested several times that they send me the information. The guy on the phone stated that they had and someone signed for it and I repeatedly told him I had not received anything. 

They proceeded to list this account on my credit report and I have XXXX XXXX from canceling this lease so they are reporting a debt I am not liable for through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, INC.
State: KY
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 requested copies of my credit report from XXXX  & equifax XX/XX/XXXX that had many inaccurateies. I called them XXXX to dispute 2 visible items XXXX XXXX ( verison ) {$320.00} from XX/XX/XXXX. I was told contact debt collectors and agencies linked to origins of account. I did and was treated very terrible and was given no information from them to verify facts. I called transunion back to update the conversations and to exercise my fair credit reporting rights. They opened their own dispute again for the multiple time. As per the same with Equifax. This is a money making business they want us to struggle and force us to higher 3 rd party law/credit building or repair instututions. I'm indigent! I can't afford this hassle I filed with the ftc fraud alert as suggested by them and now they say send all this other requested documentations. I'm confused where and when do the rights of a United States citizen go into effect? I have been ask series of authentication questions via the web and no pertain to me. When answered correctly access is denied. Credit monitoring done out side of the United States. Does GDPR apply here? How do I know that the generated questions are nothing more than a trap to suggest worse credit monitoring requirements? They set this up in hope anyone willing to pay their 3rd party agencies to fix false information that has been applied to my credit report? They are not being honest however the little proof I have will not be admissible because they are not based inside the United States. They have lied to me over the phone. They have redirected me. They said things to make me feel like they cared and requested me services that i denied. I want this fixed per myself. XXXX- {$320.00} XXXX, XXXX {$2800.00} XXXX, are not my accounts i have done and ask all the appropriate questions. Results are unsatisfied. I'm asking for backup. My word in writing XXXX XX/XX/XXXX they are not my accounts. XXXX I assume opened them and i asked that they be removed because they are hurting me in my desired time to request emergency funding not available due to the inaccuracies. I read by law these companies can be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Certegy Holdings, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
certegy turned down check # XXXX written to XXXX to purchase materials to restore my home after hurricane micheal, i had {$5000.00} in my account, my bank could not understand it, never bounced a check in my life! Spoke with XXXX @ XXXX on XXXX she made me give her personal info to even look for the transaction, and then could not even find it, The receipt they gave me said # 2 for denial which stated while their was no evidence of a check ever bouncing they did not have sufficent info to accept it! I looked them up in XXXX  many complaints, talked to a manager at XXXX that used them to deny check, she siad that it had become a problem and that she was going to speak with upper managment, i also told her that XXXX has lost my business because of certegy. i could not even get a person on the # on the receipt, only after i received a letter with a # on it, and them XXXX could not even find my transaction or give me any good reason it was declined!! I noticed on the XXXX  complaints they answer each one with the same double talk, but never give anyone an answer as to why they have been humiliated! 
Also i wrote a check to XXXX a week previous for alot more and they passed it!!! I want them to admit their error in writing to me and to XXXX! I think they are just trying to collect peoples personal info, and also when i did speak to XXXX she told me that they also share info with XXXX XXXX XXXX XXXX. please help, bbb is full of people that have issues with them!

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 2023-02-22
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know the dates but it is XXXX that is on my credit. I will not be paying for an account i didn't open. Please send me valid contract with the company. JEFFERSON CAPITAL SYSTEM decided to purchase this account from XXXX and harrass me to collect something I don't owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
State: MN
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:
All of the Adverse and negative information and accounts listed on my XXXX Credit Report Reference Number : XXXX is inaccurate and not my negative information or accounts. There shouldnt be any negative accounts or information listed on my credit report at all. No accounts or information should be currently listed on my credit 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 2017-09-18
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I requested my equifax free anual credit report. Received a " request for proof of identity '' which I replied back ( I believed a normal procedure cause it 's a new account ) including my SSN and a bill for address proof. 
Received 15 days later two credit reports ( with a submitted date difference of one day between them ), the first 14 pages, the second 18 pages. 
the second one ( dated one day later ) explicitly said on the first page : " We are please to let you know that the results of the dispute you recently filed with Equifax '', which I never did, it 's my first credit report.
The following personal information was inaccurate on both reports : last name, DOB. 

Opened a dispute online, got a confirmation number valid to check till XX/XX/2017, and ca n't check status on the webpage ( https : //www.ai.equifax.com/XXXX ) not responding and over the phone with an " unable to check the status '' msg. I tried every day since I 've got the email confirmation about the dispute resolution ( XX/XX/2017 )  with the same results. 
Got denied at least 4 times from different financial institutions that get the reports from Equifax probably cause of this inaccurate information. This is impacting in my credit and financial ability and I have no response from Equifax.

Company response to consumer: Closed with explanation