BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-05
Company: DISCOVER BANK
State: FL
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:
Your reply to the consumer affair has nothing to do with what I am referring to. In XXXX and XXXX fraudulent charges where made which followed to XXXX. You guys have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XXXX there were a lot of charges made on that month you charged me for. the money you said i owed for XXXX, I did not owe. You owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe XXXX because you didnt know what I owed for XXXX. I had fraudulent charges in which you agreed to in your investigation. you guys are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what you we has nothing to do with my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TODAYS DATE:XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX Opened XX/XX/XXXX {$900.00} XXXXLast reported : XX/XX/XXXX {$3000.00} Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX, FL 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 2019-01-05
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the following information that appears on my XXXX, XXXX  and XXXX  consumer report. SCA collections is reporting inaccurate data to these credit bureaus. I didn't receive a validation letter. I'm not familiar with this account. I have asked them to remove this account because its really bringing down my score. If its not remove/ deleted ASAP, I have no option but to sue this company.

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 2018-06-13
Company: ProCollect, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While trying to take out a loan to finish my last semester of school I was denied because of a fraudulent account opened in my name. I've sent multiple letters to this agency about this not being my account. I even contacted the apartment complex and they couldnt find an account that was associated with my name. I've completed and sent a fraud affidavit via certified mail. I see they received it, but nothing has changed. I also faxed and sent a police report and provide proof of residence. My complaint is against PRO COLLECT. My information was used to obtain an apartment, 3 credit cards with CLs of {$300.00}, {$5000.00}, and {$5000.00}, cable service, and a cell phone. I am a victim of identity theft and I placed a fraud lock with ALL CBs. I've completed the proper steps. Notified the creditors and also obtained a police 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 2018-06-10
Company: EQUIFAX, INC.
State: GA
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:
Equifax declines to forward me any documents bearing my signature from any party involved ; and won't send me name of false verifier either ... I settled debts with original creditor which is XXXX XXXX XXXX, yet the three accounts were still sent to a collection agency ( XXXX XXXX  ) ; and Equifax declines to cease from reporting this inaccurate information and will not remove it ... They are violating F.C.R.A. law and my rights ... I have written and disputed them on three occasions to no avail ... and now I may have to seek litigation against all parties involved, because I can not get any documentation from anyone ... {$120.00}, {$55.00} and {$170.00} are the fraudulent amounts that were paid, but evidently not recorded or something ... I have also reached out to XXXX XXXX XXXX, and was told that XXXX XXXX   should not have an account for me, because it was paid ; so I called XXXX XXXX  and was told that it was nothing they could do, but settle the debt with me, and XXXX XXXX XXXX would not provide me with any documentation to send to them. How unfair and unjust this is!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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: Account information incorrect

Complaint:
They are reporting false information. It says I was late 90 days but on the report it says I was on time In XXXX and in XXXX but I was late in XXXX and in 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 non-monetary relief
Consumer complaint received 2019-01-05
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We received the response from our initial complaint, but we are absolutely not satisfied with our mortgage companys response. We want to know WHY our escrow account was been mismanaged in XXXX and HOW could they put us in this unfortunate situation. Our monthly mortgage payment from XXXX to XXXX has increased {$600.00} even with the escrow shortage being spread over 60 months. If we had known that our monthly mortgage payment was going to increase over {$600.00}, we would not have gone through with buying our home. And this increase is solely because of the failure of the mortgage company to appropriately manage the escrow account.

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 2021-05-01
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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2011 XXXX XXXX XXXX signed a reaffirmation agreement for the mortgage on the XXXX XXXX XXXX XXXX. XXXX Ohio XXXX with XXXX XXXX  XXXX XXXX, as XXXX. The new agreement listed a balance of {$46000.00} with a new interest rate of 5.25 %. from $ XXXX@ 7.37 % this document was filed and entered in Federal court on XX/XX/2011 Docket XXXX see ( Exhibit A ). Per Bank of Americas own loan history, the bank never applied the reaffirmation agreements new terms to the old loan as agreed in court. Bank of America kept sending statements listing the old payment and balance see ( Exhibit XXXX  loan History and XXXX  monthly statements ) at that time this was a XXXX violation of the confirmed bankruptcy plan because the cram down debt listed on the monthly statements had been XXXX per the plan. See ( XXXX XXXX Claims of the confirmed Plan )

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 2022-08-08
Company: JPMORGAN CHASE & CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I re-titled the car from Florida to North Carolina. When I did I had to pay {$56.00} in charges to North Carolina that were Chase 's responsibility. I contacted them for months to get the money back. They finally sent me a check which was returned. I was charged {$15.00} by my bank for a bad check charge and I have called Chase multiple times about this. I was told last Monday by a Chase supervisor that I am apparently not the only one. There are a large number of these " bad '' checks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-29
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Date opened XXXX XXXX amount allegedly owed {$2300.00} my consumer rights have been violated ( 15 USC 1692 ) ( a ), ( d ), ( e ) validation of debt and cease and desist has been sent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a pending complaint against Fifth Third Bank, complaint XXXX. On Friday evening, XX/XX/2019, I attempted a transaction on my debit card. The card was denied. I tried again, the card was denied. I had nearly {$7000.00} in the bank. I called the bank, I was transferred three times and spent over two hours on the call. After two hours and seven minutes, I was connected to the dispute department at which time I learned via the representative that my bank account had been frozen due to the claim I filed for reimbursement of fraudulent activity. The bank refused an explanation as to why our account was frozen and would not explain to me why they had placed over a negative $ 16K fee/balance on my account. The fraud department supervisor ( XXXX ) would only transfer me to the fraud investigator 's voice mail ( XXXX ) something the bank previously stated was against bank policy. I filed a police report on the fraud and an officer has made an attempt to provide images of the thief ( s ) that corresponds to transaction receipts on my account. However, Fifth Third declined the images. Fraud has been proven. 

I received no notification that my account was being frozen. My account was frozen during late afternoon/early evening on a Friday afternoon, ensuring we would not have access to our funds during the weekend. We have no ability to access our funds in order to purchase fuel for our car or groceries for our family. This is an effort to intimidate and cause financial hardship on our family. The bank is engaging in predatory and retaliatory business practices and attempting to make us absorb the fraudulent activity we experienced through their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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:
Rushmore Loan Management Services reported my forbearance agreement to the credit reporting services. I believe the Cares Act prohibits this reporting? 

I was current in good standing before our agreement entered into on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
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: Account information incorrect

Complaint:
There is an error with the balance being reported with my " XXXX XXXX XXXX XXXX '' account. 
My statement balance is {$0.00} but it was reported as {$320.00} and negatively impacted my credit as a result. Please update my account to reflect my {$0.00} balance.

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 2019-01-05
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX I was put on XXXX and I had called in XXXX to see if Ford would be able to lower my car payment due to the financial Hardship that was occurring. Ford transferred me to the rewrite department where I spoke to XXXX and she started the process once the process was complete I was approved on XXXX XXXX. I had called XXXX in the rewrite department to discuss XXXX payment how I didn't want it to be 30 days late during this whole rewrite process and go on my credit. XXXX and XXXX assured me if this happened during the rewrite they would fix the 30 day late payment.Well on XX/XX/XXXX I received an alert stating I was 30 day late on my payment with Ford. I disputed that and called the rewrite department and spoke to a XXXX XXXX who then stated the credit department was in charge of that she then gave me a number where to call XXXX. I called the credit department who informed me the credit was already updated on XX/XX/XXXX that was not the case yesterday the credit bureau contacted me stating the dispute i had made was accurate through Ford and they would not delete the days late which cause my student loan to deny me to not enter school. This has been such a devastation and I hold Ford responsible for this I have been given the run around and they have not owned up to what they said they would do. I have spoken to several Account specialist in different departments and XXXX in customer service informed me today that I would have to send a letter to the Credit Dispute dept to see if they would take the 30 day late payment off. If i knew this would happen I would never have did the rewrite that caused me my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: SUNTRUST BANKS, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I submitted my complaint to the AG of Oregon a case was automatically created in CFPB and sent to SunTrust. The summary section I wrote was for the AG, but the attachments had 3 requests. 1. Fix our credit 2. Remove the approx {$760.00} charges on the loan that is now serviced by XXXX. and 3. reimburse me {$100.00} for the property damaged caused. 

XXXX XXXX contains the attachments that reference all three requests but only the credit request was addressed. 

This complaint is regarding the problem with the Auto Drafting system of Sun Trust.

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 monetary relief
Consumer complaint received 2018-06-10
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: Account information incorrect

Complaint:
There is an error with the balance being reported with my " XXXX XXXX XXXX XXXX  '' account. 
My statement balance is {$0.00} but it was reported as {$320.00} and negatively impacted my credit as a result. Please update my account to reflect my {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: ACIMA CREDIT, LLC
State: GA
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:
I wish to Early Pay Off the merchandise purchased/leased 90 days According to my contract they are trying to charge a pay off amount that exceeds the contract amount agreed.

I am paying within the early pay off option.

The cash price is XXXX with a payment of 30 initial payment deducted a 10 buyout fee added and a deduction for 2 payments of XXXX ( totaling XXXX ) this leaves a balance of of {$1200.00} Acima is requesting a sum in excess of this.

Clearly the contract makes no provision for this.

they are refusing to open a dispute process they are saying additional tax is due but that is not reflected in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent a lot of letter to the bureaus such as TrnansUnion, XXXX  and XXXX, but they don't work wirh my case. I want you to investigate my credit report because it has a lot of inaccuracies, errors that I want to fix. 
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
Consumer complaint received 2018-02-11
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: Their investigation did not fix an error on your report

Complaint:
IN REGARDS TO : XXXX, ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I HAVE SENT A CERTIFIED LETTER BACK IN XX/XX/XXXX AND XX/XX/XXXX AND I HAVE NEVER RECEIVED A RESPONSE OF THE PROOF I ASKED FOR. THE AGENT THAT RECEIVED THE LETTERS HER NAME IS XXXX XXXX. THEY ARE REPORTING ME LATE WITH A MAXIMUM DELINQUENCY OF 120 DAYS FROM XX/XX/XXXX 90 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE AND XX/XX/XXXX 120 DAYS LATE. I HAVE NEVER BEEN LATE ON Y STUDENT LOAN DUE TO THE FACT THAT I HAVE ALWAYS HAD THE ACCOUNT IN FOREBEARANCE OR ON A DEFERRED PAYMENT. IN MY DETAILED LETTERS I REQUESTED FOR XXXX  WHO IS REPORTING ME LATE MULTIPLE TIMES TO THE CREDIT BUREAUS TO SHOW THEIR PROCEDURES PUT IN PLACE TO VERIFY THESE LATE LISTINGS FOR MY ACCOUNT? I ALSO AKED THAT THEY PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT/APPLICATION WITH MY SIGNATURE? ALSO INCLUDED IN MY LETTER I REQUESTED THAT THEY SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE CREDIT BUREAS IS ACCURATE? IF YOU CAN NOT PROVIDE ME WITH THIS INFORMATION THEN YOU MUST REMOVE THESE INACCURATE LATE PAYMENT LISTINGS AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER!!! BUT IM ASKING FOR HARDCORE PROOF I WAS LATE AND BASED ON MY RESEARCH ON THE FTC WEBSITE, I KNOW THAT THEY HAVE STRICT POLICIES WHEN IT COMES TO YOU ( XXXX ) REPORTING CONSUMER DATA. I KNOW FOR A FACT THAT XXXX BEING THE FURNISHER REPORTING MUST BE 100 % ACCURATE. PLEASE SHOW ME PROOF THAT YOUR REPORTINGS IS 100 % ACCURATE? I WOULD LIKE TO SEE A COMPLETE BREAKDOWN SHOWING THAT MY RIGHTS ARE NOT BEING VIOLATED? ALSO ACORDING TO THE FAIR CREDIT REPORTING ACT ANY FURNISHER THAT WILLFULLY REPORTS INACCURATE INFORMATION WITHOUT TAKING THE NECESSARY STEPS TO FIX THE ISSUE COULD BE IN VIOLATION OF THE ACT WHICH CARRIES A FINE OF {$1000.00} PER VIOLATION. STOP REPORTING THIS WRONG INFORMATION TO ALL THREE CREDIT BUREAUS BECAUSE I AHVE NEVER BEEN LATE AT ANY POINT IN TIME I HAVE HAD STUDENT 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 2018-06-08
Company: Experian Information Solutions Inc.
State: MD
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: Problem getting your free annual credit report

Complaint:
On XX/XX/2018, I attempted to obtain my annual free credit report using website XXXX. Although I was able to obtain my XXXX credit report Experian refused to provide report through this site without explanation. I reached out to XXXX  directly and requested an explantion and copy of said report to date XXXX  has refused to provide said credit report or reasons why the consumer can not obtain said report as mandated by law through 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