BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

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 2022-04-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-05-18
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
someone put a credit card in my name in 2017 and it just came on my credit report and I never applied for that card i have a couple credit cards because i own a XXXX like XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: WELLS FARGO & COMPANY
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
THIS CONSUMER FINANCIAL PROTECTION BUREAU ( " CFPB '' ) ' COMPLAINT ( S ) IS ( ARE ) RELATED TO MY PREVIOSLY FILED CFPB COMPLAINT AGAINST THE SO-CALLED, XXXX CREDIT REPORTING AGENCY/CORPORATION THAT IS ( ARE ) DOCKETED AT XXXX ET. AL. I HAD THIS WELLS FARGO PERSONAL LINE OF CREDIT SINCE THE YEAR OF XX/XX/XXXX, AND I HAD NEVER BEEN LATE WITH A PAYMENT, AND/OR EVEN MISSED A PAYMENT, AND ETCETERA. IT WAS NOT UNTIL NEGATVE INFORMATION PURPORTEDLY APPEARED ON MY SO-CALLED, XXXX CREDIT REPORT, AND AFTER BEING TOLD I HAD TO MAKE AN ANNUAL FEE PAYMENT, ON OR ABOUT, XX/XX/XXXX, TO RE-ACTIVATE MY WELLS FARGO BANK PERSONAL LINE OF CREDIT, WAS WHEN YOUR WELLS FARGO BANK, TOTALLY ILLEGALLY AND TOTALLY WRONGFULLY AND TOTALLY FRAUDULENTLY CLOSED MY WELLS FARGO BANK PERSONAL LINE OF CREDIT EVEN AFTER I HAD PAID THEM THE ANNUAL FEE, WHICH THEY HAD PROMISED THAT THEY WOULD RE-ACTIVATE MY WFB PERSONAL LINE OF CREDIT, WHICH THEY HAD THENIMMEDIATELY CLOSED.-

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 2017-10-05
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with Loancare ( billpay alias " XXXX XXXX '' ) was paid in full on XXXX/XXXX/XXXX ( attached ). Loancare issued a check for my escrow balance on XXXX/XXXX/XXXX ( attached ). I mistakenly forgot to turn off my bank 's auto-pay for the mortgage and payment of XXXX was made to Loancare from my XXXX XXXX bank account, delivered electronically on XXXX/XXXX/XXXX ( attached ). I called the customer service line on XXXX/XXXX/XXXX to request a refund and the customer service agent said that because my loan was paid off, they had no record of the payment on my account and told me I would I have to send proof of payment to Loancare at XXXXXXXXXXXX. Later on XXXX/XXXX/XXXX, I provided, to the indicated email address, my billpay electronic delivery receipt along with my loan and contact information ( attached ) and Loancare auto-responded acknowledging my request and assigning it a reference/ticket number. ( attached ) On XXXX/XXXX/XXXX, Loancare deemed my proof of payment insufficient, requested my bank statement, and closed my request as " resolved. '' ( attached ) Based on the information I provided to them, and the fact that there has never been an issue matching my XXXX bill-payments to my mortgage account, I believe Loancare has sufficient information to locate and identify my errant over-payment and is stonewalling to hold my funds for as long as possible.

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 2017-10-05
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/XXXX I deposited {$1300.00}  in checks into my account through the XXXX, CT Citibank atm. I then tried to withdraw money in the same transaction from my already " available " /prior account balance and I was denied. I called Citibank and was informed my accoint is frozen until my checks cleared, denying me access to my prior available balance of {$1500.00} before the deposit was made. It was a Saturday night so I was stranded for the rest of the weekend without any money. I had XXXX cash and no other forms of payment. On Monday evening when my account was still locked and i was trying to put gas in my car, I spent over an hour speaking with 3 different representatives that just kept repeating there is nothing we can do about it until you checks clear in 1-2 business days. I stated, it already has been one business day, they said well then maybe two. I had to borrow money from family members to put gas in my car, purchase food, etc because i was denied access to my available balance/ my property ( nothing to do with checks deposited ). As of Wednesday at XXXX, I am still not able to access my available balance. It has been 4 days/ 3 business days since I could access my available money. And there mobile banking app so been down since Monday as well.

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 2022-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt collector has not provided notice of when the original debt occurred and submitted collection as of XX/XX/2020. I still do not recognize this debt from any prior purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Synovus Bank
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/2019, I called into Synovus online asking advice on how to pay taxes via check using e-check. They confirmed it would be okay. I scheduled a payment to be made XX/XX/XXXX. XX/XX/XXXX, I went into local branch, XXXX XXXX XXXX XXXX XXXX, FL, XXXX, and spoke to the head teller who confirmed that the payment would be made on time by XX/XX/XXXX through a bank to bank payment. She also added, if not, Synovus would pay for the late fee and charges. 

On XX/XX/XXXX, XXXX XXXX Taxes office had not received the payment via XXXX, and I thus incurred the late fee charged. 

On XX/XX/XXXX, I went back to the branch, and spoke to the same teller who suggested I speak to online service via the phone. After several minutes, the online service customer service discovered the payment had been sent out by paper check and not bank to bank. And they could not confirmed whether the recipient had received it, or on what day they received it. 

On XX/XX/XXXX, I contacted the bank and spoke to XXXX XXXX XXXX ( attached is out emails ) She advised me not to cancel the check via the phone, and in her emails after discovering the amount in the check. She went on to suggesting three ways it could have been done, but to wait a bit longer for it to clear. 

On XX/XX/XXXX, the XXXX XXXX Tax Department called and confirmed they received the check, and because it was a paper check I would have to pay an additionally {$350.00}. 
By XX/XX/XXXX, I returned to bank, and again spoke to the branch manager, XXXX XXXX. XXXX said she'd look into it at an appropriate time, as she has access to XXXX 's emails. I requested the bank pay the fee, honoring what their cashier said. Also, based on what XXXX suggested that I not cancel the check, the branch manager said she would " have to go higher up the ladder for that. '' I made a wire transfer on that day with XXXX from my personal account for {$350.00}. I also called the Tax office and had them on speaker phone for XXXX to hear why I was being charged the {$350.00} penalty fee. XXXX apologized, but as far as the bank honoring the amount, she could not confirm. 

XXXX communicated with me via email to confirm that the wire transfer payment had been received. I have also received a receipt for the amount from XXXX XXXX XXXX Taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have 27 inquires that was report plus more incorrect on my credit report. Damaging my credit report badly. I notify that violation XXXX fine which they said they sent my check but I have never received it. 
XXXX email

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 2021-05-18
Company: EQUIFAX, INC.
State: TN
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 all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  XXXX and the Creditors ( Dept ED/XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Experian Information Solutions Inc.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has ignored my requests for disputes of incorrect information on my credit report several times. I was sent a letter a few years ago after attempting to dispute inaccurate information on my report stating they wo n't respond to me because they did n't think the letter I sent came from me. I have tried disputing online and was denied for unknown reason. They 're currently reporting incorrect information on my credit report that they wo n't allow me to dispute, because of this I have been denied car loans.

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 2017-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am an XXXX with XXXX XXXX XXXX. My client went to move money around at Bank of America and was asked to sit down with an XXXX. The client received a better offer which was fine, but the violation occurred when the XXXX XXXX XXXX XXXX XXXX # XXXX called me and demanded I send him all of the client 's financial documents. Not only does B of A and my company have policies against this, this is a very clear XXXX violation. I had not spoken with the client and the client did not ask that I send this information. Bank of America does record all of their calls so they should have access to this information. The call took place on XXXX at approximately XXXX and was on his direct line 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 2017-10-03
Company: EQUIFAX, INC.
State: MD
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:
Attempted to issue a security freeze on Equifax 's automated telephone system. The system is suffering outages and I could not issue the security freeze.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: IL
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 on XX/XX/XXXX XXXX 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 In accordance with the Fair Credit Reporting act on XX/XX/2020 XXXX XXXX XXXX, Acount # 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 explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: SC
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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Went in to Titlemax on XXXX/XXXX/2017 took out loan for XXXX was offered XXXX. Signed all paperwork electronically. They advised everything is done electronically now there are no more paper copies. I have had over XXXX loans with them and have paid all of them off on time. I called back today to see about obtaining XXXX more of what was available, and was informed that I have to wait 33 day waiting period and this was never informed to me, they also said they are changing there products so if I come in after 33 days and obtain additional money it will be based on my income and also, I will no longer be paying installment plans because, they are chaining there rules effect next week. No one sent or notified any of the borrower 's of these changes. This is not fair. You can not just change the rules to make more money, one day. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Earnest Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX Earnest sent a payoff letter for an installment loan we had taken out via their website. The loan was in good standing and we never missed a payment or were reported late. The payoff letter clearly stated, " Balance : ( payoff now ) {$5200.00} ''. The letter further states that if paid on XX/XX/XXXX the balance would reduce to {$4800.00}. This loan was paid through a settlement at XXXX XXXX XXXX on Friday XX/XX/XXXX and the check was received by Earnest on XX/XX/XXXX according to the signature from the XXXX receipt. XXXX XXXX sent a check ( attached ) for the amount of {$7200.00} leaving a {$2000.00} overage. After contacting Earnest several times to receive the overage back, we have been unsuccessful in obtaining our money. We have spoken with XXXX and XXXX several times via telephone at XXXX, and although they are/have been extremely kind and cooperative, nothing has been done to honor their payoff amount, nor have we received any satisfactory account and return.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have never lived in Texas. The address in Texas is not me. Thanks

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 2022-04-05
Company: CL Holdings LLC
State: MD
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 trying to contact XXXX who placed my collection account with Jefferson capital that can not find it here are my notes XX/XX/2022 XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX- they located 2 accounts jefferson capital XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Jefferson cap XXXX XXXX - XXXX XXXX  XXXX {$720.00} balance. the account numbers are similar BUT the balance is different AND they are stating the account was discharged in bankruptcy. 

The balance on my end is {$920.00}. I have never filed bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
in 2009 my interest rate was 9 % and i just got off the phone with my Chase ink company that said that due to the Credit card act of 2009 they were allowed to adjust rates as they see fit based on Credit history etc etc ... ... so since my variable interest rate has jumped from 9 % to 18 % to 28 % and I am told that is the highest its allowed to go as if i should be saying thanks. This is not fair to the consumers who are so busy with the daily lives to always be paying attention to the changes that are alway in small print. This is deceptive and should be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Chase bank allowed the fraudster to open an account using my information without asking for any verifications or documentation. Chase bank also told me its just as easy to open a line of credit as long as you have someones social. I contacted the XXXX act line and they referred me to make a complaint here as well. I figured opening an account would require the financial institution to verify customers they are dealing with without me now having to jump through hoops to get the fraudulent acct closed. It seems to close an account I have to actually give them my info and they have to verify me but to set up account I need no verification documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our loan rate seems higher than most of my neighbors in my zip code, most of it is going to interest and the principle has not moved. I have held a mortgage with Wells Fargo for over XXXX years and still owe more than the property is worth. My house has been on the market for almost a year, and in order to sell, we have to take a lost because of the payout amount due to Wells Fargo. Your help is appreciated. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation