BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: Reach Financial LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XX/XX/XXXX I decided to seek help with my finances. National Debt Relief referred me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I enter an agreement with them to settle my debt. Everything was all good with them. It wasn't until XX/XX/XXXX that things with left. Someone called stating that one of my creditors were not willing to settle and my credit is still getting worse so we can take care of it for you. Ok was my response at the point I am wanting everything to just go away. So now I am with XXXX XXXX XXXX and a monthly payment is being made. At this time, I was asked to send a notary authorization for 2 of my accounts ( XXXX and XXXX XXXX ). Me not realizing that these 2 accounts were taken care of by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  So I start paying XXXX XXXX from XX/XX/XXXX until XXXX. At this time it went from me paying XXXX XXXX to XXXX. I did not receive anything saying that it was a change and now I am paying way more than my bill was at XXXX XXXX and XXXX XXXX which them combine was less than {$5000.00}. So I canceled paying Reach ( whoever they are ) and being harassed by them daily. I feel like right now they owe me because XXXX XXXX and XXXX XXXX were on my original agreement. What I started out owing was less than {$20000.00} ( with the settlements was half of this ). Right now I'm over {$25000.00} with these Reach people. I was trying to get information was unable to retrieve information from XXXX and can not. I do not know who Reach is. I do not want to give them no information. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/20 6 fraudulent deposits were made to my primary checking account. Each deposit was for an amount slightly over XXXXwith a cash back of XXXX. On XX/XX/20 and again on XX/XX/20 a total of 9 deposits of slightly over XXXX were made into my secondary checking account with the same XXXXcash back for each deposit. On XXXX the XXXX when we discovered this fraud we immediately called Chase banks fraud department and filed a report. We were told that our accounts would be frozen and the money that had been withdrawn would be put back into our account by XXXX the XXXX. On XXXX the XXXX our bank closed both accounts and took over XXXX from us. As of XX/XX/20 our bank has not returned our money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
- Since my brother 's death, I have made 15 mortgage payments on this account totaling over {$20000.00}, but Truist Bank still refuses to apply a single penny of it to the account. 

- Truist Bank has made several empty promises to me to resolve this issue in the last 15 months, but have taken no actions to resolve this matter. The Garn-St.Germain act requires mortgage lenders to work with survivors to allow them to assume the Loan Modification which was under way when my brother died. 

- Truist Bank completely ignores their responsibilities as listed under the Federal Laws covered by the Garn-St. Germain act to assist the survivors of a deceased mortgage account holder. 

- I have even had the deed to the property retitled in my name, but still Truist Bank refuses to provide any actual assistance to me and my family. 

TRUIST Mortgage Loan # XXXX My name is XXXX XXXX. I have been appointed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland ) as the Personal Representative ( Executor ) of my deceased brother 's estate. I am also the legal next of kin as well. This VA backed loan is under his name XXXX XXXX XXXX, and he passed away on XX/XX/XXXX. I immediately contacted the bank and made them aware of his passing and that I will be taking over monthly payments. There have been 15 monthly mortgage payments made since his death. TRUIST has been in possession of the following documents since XX/XX/XXXX : -- Death Certificate -- State of Maryland Letters of Administration ( Personal Representative ) -- Homeland Security Form required by TRUIST. My brother was coming out of a forebearance plan with TRUIST and was given a Loan Modification Package which arrived after his death. I have been promised repeatedly since XX/XX/XXXX that this modification package would now be sent to me to administer as part of the estate. As of today, XX/XX/XXXX, I have not been given any control over this mortgage, even though I have often reminded TRUIST of their responsibilities under the Garn-St Germain Act, again with no response and no one assigned to work with me. Please advise what courses of action are available to me. Thanks for your assistance, and please advise if you need copies of any documents I have. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX 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 2020-10-29
Company: Omnipoint Capital
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have some old retail credit debt appx XXXX k that I have put in a debt relief program however the debt collector to whom it was sold, omnipoint, is threatening to sue me calling me from multiple numbers atleast 10 times a day asking very personal questions leaving threatening vm and trying collect money from my veterans compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello my name is XXXX XXXX XXXX and a few of my federal rights have been violated! 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as well as some of the following rights also!

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX : ACCT # XXXX, XXXX XXXX  : ACCT # XXXX, XXXXXXXX XXXX XXXX : ACCT # XXXX, XXXXXXXX XXXX XXXXXXXX : ACCT # XXXX, XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX : ACCT # XXXXXXXX XXXX XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX : ACCT # XXXX, XXXX : ACCT # XXXX, XXXX : ACCT # XXXX, XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX XXXX XXXX : ACCT # 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 2019-09-09
Company: Experian Information Solutions Inc.
State: KS
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:
This company is violating the fair credit reporting act by listing a fraudulent account on my report that is not mine.

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 2020-07-10
Company: Navient Solutions, LLC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I went to inquire about a car I have been renting and their buying options. I was informed that my credit score was below 500, which sounds odd because it was closer to 600 the last time I checked. I checked my credit to discover that the department of Education and Navient have been making reports to my credit which has taken my credit down by 100 points and more! One report from Navient took my credit score down 91 points in a single day! I have not had any communication with Navient to discuss repayment options even after the last disputes, which they were supposed to organize! I have no new loans with Navient yet they are continuously reporting missed payments to the credit bureaus almost weekly! In the duration of the covid-19 shut down and the CARES ACT ; the department of education has consistently made numerous reports to the credit bureaus, but when I contacted them to speak with someone who could help me set up a payment arrangement they continuously gather information, are condescending, not helpful, and try to get me to contact 3rd party collection agencies instead of dealing with me directly while Im on the phone. I do not wish to deal with 3rd party collection agencies when theyre the ones the original debt came from and theyre the ones who consistently make reports to the credit bureaus. This is unlawful practices! Theyre controlling my life and not giving me the opportunity to pay off debt. They make it impossible to set up arrangements and to re-establish my credit and it feels debilitating and hopeless. 
Navient keeps changing the dates of the supposed debt I have with them. I need to have all charges investigated and disputed from the department of education and from Navient, because something is not right and I HAVE to have good credit! Ive been working on my credit since last fall and I paid off some things. However, the level of student loan activity is absolutely absurd especially since I havent been in school for about 10 years. The debt from these 2 companies are mostly 8-10 years old and should not be bringing my credit score down so low! My credit score went from XXXX, which isnt that great to XXXX in less than 30 days and when I call these people Im SICK AND TIRED of dealing with their snarky nasty attitudes and their games! I would like to start an investigation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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 have taken action since 2017, when the total loss happened. The gap insurance was to pay the entire note, which it did. I was unaware of the last payment that was due on my end and has since paid the balance. I have asked for an update or for the reporting to be deleted. 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 2021-07-15
Company: Accelerated Receivables Solutions
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 I was checking my consumer credit file and noticed an account from ACCELERATED RECIEVABLE for the amount of {$68.00}, I never recievd proper documents from this company. They have violated mutiple laws including 15 U.S. Code 1692e.False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NATIONSTAR/MR COOPER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PLEASE BE ADVISED THAT : Southwest Credit Systems, L.P AGREED OR WAS ORDERED BY CFPB TO REMOVE from my CREDIT REPORT ( see CFPB Ref. # : XXXX filed on XX/XX/2017 ) this so-called " XXXX XXXX XXXX XXXX Collection Account '' for the same $ XX/XX/XXXX-based on the detailed facts of my previous dispute. Also, I CLOSED this " XX/XX/XXXX Account '' because XXXX XXXX XXXX STOPPED providing me the contracted wireless services and replacement of my phone, despite the fact that I CONTINUED TO PAY for over FIVE MONTHS the Bill for unused wireless services and Insurance, hoping that XXXX XXXX XXXX would do the right thing. 
Accordingly, XX/XX/XXXX, being a successor-in-title of this so-called " XXXX XXXX XXXX Collection Account 0f {$1200.00} '' CAN NOT ( as a matter of law ) have acquired a XX/XX/XXXX from SOUTHWEST CREDIT SYSTEMS, L.P. ( the predecessor-in-title ). This is a fundamental principle of Common Law, and indeed, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX case law. Especially so, whenXX/XX/XXXX ought to have had CONSTRUCTIVE NOTICE ( i.e. if proper due diligence had been conducted ) of the cited CFPB Complaint Ref. # : XXXX because it is PUBLIC RECORD easily accessible on the CFPB Website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: CO
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, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

All accounts listed below have violated my rights Account XXXX. XXXX XXXX XXXX XXXX XXXX, account number : XXXX, collection agency : XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX  XXXX, account number : XXXX, collection agency : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX, account number : XXXX, collection agency : XXXX Account XXXX. XXXX, account number : XXXX, collection agency : XXXX XXXX XXXX  Account XXXX. XXXX XXXX, account number : XXXX, collection agency : XXXX Account XXXX. XXXX, account number : XXXX, collection agency : XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number : XXXX Account XXXX. XXXX XXXX XXXX, account number : XXXX, collection agency XXXX XXXX XXXX XXXX  Section XXXX XXXX section XXXX A states I have a right to privacy Section XXXX XXXX Section XXXX A Section XXXX also states a consumer reporting agency can not furnish a account without my written instructions Section XXXX XXXX. ( a ) ( XXXX ) section states no consumer reporting agency XXXX make any consumer report containing any of the following forms of information any other adverse item information other than records of convictions of crimes Section XXXX XXXX ( A ) ( XXXX ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Section XXXX XXXX ( XXXX ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My first problem with Avant is my due date for my bill was assigned to me. I asked the company to change my billing due date stating that this was an inconvenience. The company would not change my billing due date stating it doesn't matter that they don't charge late fees. Upon going to pay my bill on the XXXX of XXXX I noticed a {$25.00} late fee. I emailed asking for this lady to be removed because I was told that there are no late fees If I pay within the first 5 days. Also I asked for a credit line increase. I was told that my credit line increase was denied because my credit was Frozen. At the time I applied my credit file was not frozen. I made sure it was not frozen and I was told to go back and reapply again when I applied it said that it was too close to the previous time I applied. Why would they tell me to reapply knowing that it would be denied a second time because it was too close. This is a violation of the fair lending act. I should not have a late fee because I asked for my due date to be changed and I paid within the 5-day limit. I also as for credit line increase. And I get every excuse in the book after apparently a staff member gave me the wrong information. Fix it or we can go to arbitration!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/2021, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

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 2023-01-25
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was involved in a job scam from XXXX. They sent me money in check form to deposit to my account. There were XXXX different checks that needed to be deposited so that I could provide money to vendors for equipment and materials. The first check was for {$2400.00}. There was only a 48 hour hold on the check and then the funds were released. The 2nd check was for {$2500.00} and those funds were also held only for a brief time and then released for usage. The institution, TD Bank did not validate the funds of those checks before releasing them to my account for usage. They released them with only a short hold so that these fraudulent checks were available. Had I not had access during the period of the scam that I was involved in, convincing me I was getting paid for this great work from home position, I would never have been able to send the funds to the random " vendors '' I was instructed to. TD Bank did not do their due diligence in verifying any of the information prior to release. I have had checks in the past held for many more days that were in fact legit and had to be verified ( anywhere from 5-7 days minimum )! I tried to go into the branch when I realized what had happened on XX/XX/23 and although I was scammed, they told me it was fault and I would be held responsible for the funds I already released to these various vendors. This bank should never have released those funds to me and instead should have only charged a return check fee ( which they have now done but also included the high amounts I now have to pay back to the institution ). TD Bank needs to be held accountable for there lack of being able to identify a fake check. I was a victim of fraud and am now thousands of dollars negative in my account which could have been avoided if they had never released the funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: TX
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:
Written disputes mailed certified XX/XX/XXXX. Requesting investigation and proof of debt plus method of investigation following FCRA guidelines. Asked for removal of inaccurate unknown accounts. Disputes closed with no further information nor proof of debt. Inaccurate accounts remain on credit profile. 

Filed online disputes via credit reporting site XX/XX/XXXX. Disputes closed inaccurately and disputed accounts remain.

Company response to consumer: Closed with explanation