BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-11
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
To whom it may concern my name is XXXX XXXX and I am not a third party company. You are in violation of the HIPPA act and law. I am contacting you regards to an account that was placed and listen on my consumer report. First of all it is personal medical information that was placed on my consumer report. I didn't give anyone consent to place any of my personal medical information or share it with anyone other than myself. Without my written consent no person, or company have the right to do so. This is a criminal act and violation that you have committed and I have contacted the attorney general and FTC to let them know that your company is violating my privacy rights. You could be charged and this is a criminal act. This is my final attempt to resolve this matter and for this debt to be removed due to sharing my medical and personal information with a third party other than myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been having issued getting Navient to comply with documenting me on information they are reporting to Credit reporting Agencies under my file. information is reporting in duplicate and triplicate, reflecting accounting practices which I find discerning. I have fought them so that they accurately report paid accounts and document amount 's owed. The amounts have fluctuated wildly and the company insists documentation was provided to the CRA 's ( XXXX, XXXX and XXXX ) but has yet to actually investigate and copy me as to the matter. 

I have paid accounts and have tried to deal with the company to no avail. The university I attended is defunct. 

I need assistance in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had fraud on my checking account on XX/XX/2019 for {$1400.00} and XXXX XXXX for {$1300.00} from an unknown XXXX account. I finally received my money back from Chase bank, but Chase bank said I had to close my account and reopen another account, which I closed my account as they advised me to do, then chase branch manager XXXX XXXX said I was no longer grandfathered in. I have had this account approximately 30 years. So since they were going to charge me a fee I decided to make a complaint before opening another account with chase. Chase never alerted me about these two fraud charges, I had to learn this myself by logging into my account. Then chase let it happen a second time on XX/XX/2019 for {$1300.00} again without alerting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This account was opened about 20 years ago. I have not received any statements. I made a deposit to my IRA account on XXXX for {$1000.00} this amount was never credited to my account. I have been trying to resolve this problem for over 2 and a half years. In addition the Internal Revenue Service ( IRS ) states that they have no record of this amount being deposited into my IRA 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 2018-03-22
Company: AMA Advisors, LLC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My FHA original mortgage balance ( and based on my amortization schedule ) reached below the 78 % LTV over 5 months ago ( XX/XX/2017 ). Although I have met all requirements under HPA and FHA guidelines, my mortgage service company ( HomeBridge Financial Services ) has continued to collect PMI. In XX/XX/2017 I also received a letter stating the PMI would be cancelled due to the requirements being met. Having attempted to contact them on several coactions, beginning the end of XXXX, I was informed that it was my responsibility to inform them of this fact along with a requirement for me to email their PMI department at XXXX. I informed them of their lender responsibilities to automatically remove the PMI payment once the principle balance had reached 78 % of the original loan amount and demanded they cease billing of the PMI on future bills/payments along with a refund of the PMI payments paid plus interest on those funds. Since the initial telephone call and conversation, I have attempted to resolve this issue four more times without success. At this point I am having extreme difficulty gaining assistance and am continuing to be billed for the PMI payments. Any assistance would be greatly appreciated.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft and have been a victim of identity theft for over 25 years. Someone open a XXXX XXXX XXXX credit card account ending in XXXX with Chase Bank. The credit card account is fraudulent. I never applied for the credit card account. Chase Bank is holding me liable for a fraudulent account which I did not apply for and it doesnt belong to me. I am now having issues opening a credit card account with Chase Bank because of the fraudulent account. Thats very unfair to me that Im being held liable for a fraudulent account. Its a violation of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: OH
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:
In XXXX, I had a dispute rent payment dispute with XXXX XXXX XXXX XXXX, XXXX, PA which was sent to collection agency ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, vide Account Number XXXX. The disputed was resolved on XX/XX/XXXX. 
The XXXX XXXX XXXX informed me that all Credit reporting agencies, including Equifax Consumer Services were notified in writing on the closure of dispute. In XX/XX/XXXX, I approached XXXX for COVID Loan, and for Standard Equity Line of Credit ; however XXXX declined both my applications based on Credit Reports provided by the Equifax Consumer Services stating ; " Delinquent Past or Present Credit Obligations with others. '' I made made numerous unsuccessful phone calls to Equifax at the provided # ( XXXX XXXX XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX at ( XXXX ) XXXX, and Collection Representation, Ms. XXXX XXXX, confirmed that the Account # XXXX was closed on XX/XX/XXXX and all Credit Reporting Agencies, including Equifax, were conveyed this information in a timely manner as per guidelines. She also promised to send a written response to validate action of XXXX XXXX XXXX. 

The Equifax Consumer Services has acted negligently by not correcting my Credit History for more than 2-years, and this has tarnished my image, credit score, and credit worthiness. Equifax Consumer Services provided incorrect Credit Report to XXXX, which deprived me to obtain timely financial assistance in form of low interest Loan and Equity Line of Credit. 

I am requesting the CFPB for assistance to get my Credit Report corrected, take appropriate action against Equifax for being negligent, and provide fiar compensation for tarnishing my image and preventing me from obtaining timely financial assistance in COVID-19 crisis. 
Regards XXXX XXXX XXXX XXXX, XXXX ,  XXXX, XXXX, XXXX Attachment- Proof of Payment to XXXX XXXX XXXX Credit Card Payment Receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
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 am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted my first dispute onXX/XX/XXXXand never received a response or any contact in regards to that dispute which involved The credit bureaus reporting unknown, inaccurate, and unauthorized accounts on my credit report. I have no idea if an investigation was started or not so I submitted another dispute for a reinvestigation and still have not gotten a response or any contact in regards to my second dispute on XX/XX/XXXX. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft and they have caused me tremendous stress due to the fact that their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the better business bureau and the office of attorney general of Ga. Ive been affect by the XXXX XXXX  , and XXXX XXXX XXXX data breach. I also had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate the accounts. I do not validate the accounts. Therefore, the accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off 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 2021-09-11
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
To whom it may concern my name is XXXX XXXX and I am not a third party company. You are in violation of the HIPPA act and law. I am contacting you regards to an account that was placed and listen on my consumer report. First of all it is personal medical information that was placed on my consumer report. I didn't give anyone consent to place any of my personal medical information or share it with anyone other than myself. Without my written consent no person, or company have the right to do so. This is a criminal act and violation that you have committed and I have contacted the attorney general and FTC to let them know that your company is violating my privacy rights. You could be charged and this is a criminal act. This is my final attempt to resolve this matter and for this debt to be removed due to sharing my medical and personal information with a third party other than myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was shocked when I received my credit report and found late payments on the the dates below : ( 30 ) day late in XXXX 2017 Im not sure now this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Factor Trust
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Factor Trust has, on multiple occasions, failed to meet their legal obligations under the FCRA by responding to a consumer request within XXXX XXXX. I have contacted Factor Trust on multiple occasions, and they still have yet to mail me a letter regarding a security freeze, fraud alert, out-out prescreen, and consumer report. 

XX/XX/XXXX - Forms mailed priority to FactorTrust XXXX GA location XX/XX/XXXX - Forms faxed to FactorTrust at XXXX XX/XX/XXXX - Forms mailed certified mail to FactorTrust XXXX GA location XX/XX/XXXX - Forms received by FactorTrust at XXXX PA location XX/XX/XXXX - Forms mailed certified mail to FactorTrust XXXX PA location XX/XX/XXXX - Forms were received by XXXX FactorTrust in the mail ( I have a certified mail return receipt. 

On, XX/XX/XXXX and XX/XX/XXXX, I received a letter from FactorTrust indicating that they had no file matching my SSN, so they could not process my request. I did, however, enclose a letter giving FactorTrust permission to create a file under my SSN for the purposes of placing a security freeze. 

On XX/XX/XXXX, I sent an email to XXXX, and received an extremely informal response on XX/XX/XXXX ( only after I called did they send an email ). 

Additionally, I have contacted FactorTrust by phone, and they told me multiple times that I should receive a response, but to date, I have not received a response in the mail. 

ALL of the other consumer reporting agencies ( such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ) that I have contacted have responded within a timely manner and mailed a confirmation of a security freeze and opt out. Although some delays are expected from the pandemic, a delay over XXXX  moths is unreasonable and unlawful. 

The only thing I am requesting is a physical letter indicating that I have a security freeze XXXX  with PIN ), fraud alert, out-out prescreen, and consumer report. This request is reasonable, standard under FCRA, and standard in the consumer reporting industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion has failed to investigate into my ID Theft case, and they have left unauthorized credit pulls on my account after multiple accounts of trying to remove them. Several disputes have been opened & no assistance has been provided in over 35 days. This goes against the Fair Credit Reporting Act, and I need this to be fixed as soon as possible. 

Hard Inquiries involved : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX/XXXX XX/XX/2020 The above inquiries are unauthorized & were not made by me. All other inquiries ARE authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
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 are many mistakes appear in my report without my understanding.

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 2015-06-25
Company: BB&T CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Filed with my XXXX lien bank, Susquehanna Bank, for a short sale over 45 days ago. They have not been responsive, nor have they scheduled an appraisal to date. Failure of Susquehanna to respond could affect payoff of my XXXX lien with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I emailed capital one on XX/XX/2019 asking if I could merge to cards because I saw the option was no longer on your website and capital one was not giving me a credit limit increase. I didnt get a response from the executive office until almost a month later saying that option is temporarily removed. OK, that was fine. I have other credit cards I can use. 

While I am going back and forth with XXXX from the executive office, another issue on my capital one savor card arises. I am charged a CASH ADVANCE fee for a purchase I made. The problem is that months prior to this, I disabled the cash advance option to {$0.00}. Capital one assured me that no cash advances could be charged to the account. I called and spoke with an account supervisor named XXXX who said she doesnt know why I was charged that but couldnt refund me even though it was capital ones fault. OK so I call XXXX again and she says she has to do research. Its now been close to 3 weeks and still no resolution and my bill is coming up with {$63.00} of interest I have to pay because of an error on capital ones part. Ive never had this issue with any other card issuer and it seems like a way to scam customers into paying fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home on XX/XX/XXXX with Freedom Mortgage Company and flood insurance was approved at {$140000.00}. The policy cost was {$1500.00} and this amount was disclosed on our Closing Disclosure form. The issue occurred when I received a form letter in the middle of XX/XX/XXXX asking for a copy of my flood insurance policy. It was a form letter, which felt like a scam because the website was not related to Freedom Mortgage. The website asked for personal information and it made me feel uncomfortable providing the information. I called Freedom Mortgage 's customer service to confirm this letter was genuine and asked why they needed a copy of my flood insurance policy. I was told the flood insurance coverage on my home was insufficient and needed to increase the coverage amount to {$250000.00}. This was contrary to the information I received prior to my closing only 5 months ago. I asked for the exact information for the flood insurance increase to be provided in writing, however Freedom Mortgage stated they were unable to give any letter in writing and the form letter was all they could provide. In essence Freedom Mortgage was forcing me to pay more money for my flood insurance, however I was not provided any personalized guidelines. The customer service was not very helpful and I have increased my coverage and can only hope it is sufficient. If I do not increase the coverage by mid XX/XX/XXXX they will purchase and flood insurance policy on my behalf. Freedom Mortgage was unable to give me an exact date when they need the increased policy completed by. Given the lack of information provided to me, I requested a manager. I was unable to be connected directly to a manager and put in a request for a manager to call me back within 24-48 hours. After my first call that occurred on or about XX/XX/XXXX I received no call back. I called again on the morning of XX/XX/XXXX and again I have not received a call back. In the meantime, I have increased my flood insurance policy and am awaiting the updated binder from my insurance company. However, given the lack of communication and guidance from Freedom Mortgage I have no idea if it is even correct. I can only hope it will be sufficient prior when I submit it to Freedom Mortgage so they will not purchase a flood insurance policy on my behalf. The updated policy cost me an additional {$310.00} this year, however it will be more when I need to update the policy for XX/XX/XXXX-XX/XX/XXXX. I feel at closing I was not properly disclosed and this feels like a bait and switch from Freedom Mortgage. The money is not incredible taxing but I wish I had this information prior to purchasing the 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 2021-09-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I do all my banking with XXXX XXXX  I also have a car loan with XXXX XXXX XXXX. I was diagnosed with XXXX and XXXX XXXX XXXX and had to recover in the hospital for over nine weeks. I also informed XXXX XXXX and wells fargo credit that I would have to make 3 small payments for only a period of four weeks. They approved this covid relief and granted the smaller payments. I recently discovered a decrease from XXXX to a XXXX in my credit report that was because of XXXX XXXX XXXX reporting a late payment. I am requesting that they promptly take this off my report and have talked to XXXX XXXX banking and they also agree to reach out. They have been kind enough to cover NSF and any related charges to help me through this crazy time. Please take this off my credit report so I can refinance my home at a good rate and keep my son and I in our 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