BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
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: Old information reappears or never goes away

Complaint:
XXXX  ; XXXX  and Transunion are reporting the XXXX XXXX XXXX partial account number XXXX on my credit report. ( Please see page attached. ) There is no outstanding balance due. The bureaus removed this account previously and now they are reporting it again. This false reporting is seriously harming my credit score and needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX several times to fix this however, I have not been successful.

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 2021-03-29
Company: TRUIST FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
SunTrust Mortgage began collecting escrow without notifying me. They then put 5 months of P & I payments into a " suspense '' account and reported me as {$13000.00} behind in payments. I never missed a P & I payment and they never communicated to me that they began collecting escrow ( for flood insurance ) or that my account was considered multiple months past due. Only after I called to get my 1098 tax form did they inform me they were collecting escrow and that my account was past due.

The entire issue was SunTrust 's fault for not communicating escrow requirements to me. I filed a previous complaint and they finally looked into the issue and admitted fault for not communicating. They corrected all my payments and refunded late penalties, but, for some reason not clearly explained, they refuse to correct my credit report and claim that it is accurate.

SunTrust is basically holding my credit score hostage to prevent me from refinancing the mortgage as rates are at record lows.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/XXXX, My wife and I flew back from XXXX XXXX XXXX, Utah back to XXXX XXXX, California. - I returned the vehicle at XXXX ( I have photos of when I dropped off the vehicle with time stamps, baggage receipt from the airline, XXXX receipt from XXXX to home. ) JP Morgan Chase Credit Card sided with XXXX XXXX XXXX XXXX citing that I approved such charge when I didn't. The Vehicle was rented from XXXX XXXX XXXX XXXX in XXXX XXXX XXXX airport. 
My original reservation was for {$330.00} ( XXXX ) XXXX did not check my vehicle back in till XX/XX/XXXX at XXXX and charged my credit card {$1000.00} - I have since submited tons of proof to XXXX and they have yet to get back to me. In the meantime, I am on the hook for an extra {$760.00} plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Netspend Corporation
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
An unauthorized Ace flare account XXXX  checking account has been opened using my identity. I received a Visa debit card # XXXX XXXX XXXX XXXX exp. XX/XX/XXXX and activation instructions on XX/XX/XXXX. I have attempted several times to call the Ace flare account number phone number - the prompt only lets you activate the Visa debit card or report lost or stolen cards. The XXXX XXXX  phone number - the prompts choices are tax info, XXXX cards pertaining to stimulus payments and unclaimed property. I called XXXX XXXX XXXX only branch no one answers just a busy tone. I emailed XXXX  XXXX  customer service - their reply was we don't deal with individual accounts but gave me a customer service number. That number had me on hold for over 2 hours till my cell phone battery died and couldn't continue.

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 2020-08-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the XX/XX/XXXX we received a letter from XXXX XXXX service about a debt that they are claiming that we owe XXXX of a debt we never took out. My husband 's father and him self have over the years when he was alive have had each other 's credit history listed under their SS #. We never had a credit card from Wells fargo back in XXXX and never paid on it over the next five years that they are claiming. We have spoke to the company on the XX/XX/XXXX and the XX/XX/XXXX and they said well your name is on it then you have to pay it. Explained to them that this is possibly my father 's in law account and he passed away back in XXXX. What do we do next????

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 2020-08-25
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX my husband had i car accident they maid the car a total lost i had gap on my car just found out by Gap my car was over fiance over 150 % of the car value. Kia Finance never informed me about that information.I perches the car XX/XX/18. I was inform by XXXX XXXX ( GAP ) Company that when they did the surcharge they notice that the car was over fiance.

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 2018-07-30
Company: EQUIFAX, INC.
State: NY
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 a victim of identity theft, i have reported to the police, I have items on my XXXX and Equifax reports that are fraud I notified those reporting bureaus numerous times with copies of the credit report circling the fraudulent accounts, accompied by the police report a copy of FCRA 605B,  my identification, social security number, and address proof, however these companies XXXX and Equifax refuse to remove said fraudulent items after numerous attempts to do so according to the law. Because of there negligence I have been denied credit and jobs over the past six months. I want these accounts on my credit reports immediately as they are fraud and these 2 companies were notified and refuse to abide by the laws set forth by the FCRA. the accounts are on my report are ; All fraudulent accounts- XXXX XXXX XXXX - {$12000.00} XXXX XXXX XXXX - {$31000.00} XXXX - {$5900.00} XXXX XXXX - {$19000.00} XXXX XXXX XXXX - {$9800.00} and Inquiries are on account that are fraudulent, XXXX XXXX XX/XX/2018 XXXX  XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 ALL ABOVE ITEMS BOTH EQUIFAX AND XXXX REFUSE TO REMOVE FROM MY REPORT AFTER NUMEROUS REQUESTS AND SIGNED ADVIDAVITS TO DO SO AS I WAS INSTRUCTED BY THE FCRA ACCORDING TO SECTION 605B ( WITHIN 4 BUSINES DAYS ALLOTTED BY LAW. 

I DEMAND THAT THE FOREMENTION FRAUDULENT ITEMS BE REMOVED IMMEDIATELY BY XXXX AND QUIFAX CREDIT BUREAUS IMMEDIATELY AS I WILL BE FORCED TO TAKE LEGAL ACTION IF THEY ARE NOT REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: MD
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:
My complaint is against XXXX, Experian and XXXX. I have settled all of my collection accounts which was being reported. 
I had 4 collection accounts that was paid within the last year, the credit reporting agencies not only improperly reported the tradelines, but they did not raise my credit score accordingly as they were being paid. I also paid down on my credit card accounts which does not reflect on my credit report. This non-increase is very damaging, when applying for credit I am subject to much higher rates due to the incorrect reflection of my scores. I should have received 60 additional points for paying off those accounts.

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 2018-03-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After suffering the loss of my XXXX year old brother and diagnosis of my father with untreatable XXXX, I returned to Florida to help my family and was burdened with hurricane Irma 's wrath right upon my arrival. I struggled to make payments but set up a Target facilitated payment plan in XXXX, however they continue to charge late fees ( I understood interest to be charged, but thought the plan terminated these fees ). I even called and their representative said a payment plan would stop the fees, and when I questioned why I was then charged fees from XXXX through XXXX, despite making the agreed upon payments. She refused to offer any explanation or help with the {$100.00} in erroneous, unfair, and unexplainable late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whomever This May Concern : First and foremost, this is me, XXXX XXXX submitting this complaint. I am not using a company. This is me filing this complaint. I am submitting this complaint because this company named XXXX XXXX XXXX, has shown up on my credit report. I have never heard of this company, I have never had a debt with them or any other company. This is identity theft and it doesn't belong to me. I need this removed off of my credit report asap. This has been removed before as fraudulent and it looks like it has been sold. I am not happy because XXXX, XXXX, and TransUnion should not be adding fraudulent items to my report as I am a victim of theft. I am not pleased with this. I have not received any responses to my dispute letters and I am demanding that this is removed from my credit report asap before I have to file a lawsuit per my attached letter.

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 2020-06-03
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
EOS CCA is in blatant violation of the FDCPA Section 809. 
I mailed 2 validation requests via certified mail article # XXXX XXXX XXXX XXXX and the other article # XXXX XXXX XXXX XXXX XXXX. 

EOS CCA ignored my requests and failed to provide full and proper validation that FDCPA Section 809 provides. EOS CCA IS IN CLEAR VIOLATION OF THE FDCPA FOR CONTINUED COLLECTION ACTIVITY WHICH IS A VERY SERIOUS VIOLATION UNDER THE FDCPA. 

This erroneous alledged debt does not belong to me!! I want this debt removed from my credit reports IMMEDIATELY. 

NO VALIDATION WAS PROVIDED WITHIN THE 30 DAY TIMEFRAME UNDER THE FDCPA. The FDCPA was enacted by congress to protect consumers. 
Everyday I writhe in pain from a XXXX XXXX, and being a senior citizen does not make it any easier. 

This is WRONG! EOS CCA has committed a litany of violations, including not marking the account in dispute on my credit report ( s ). 

I plead with the Consumer Financial Bureau to help me to have this information removed by investigating this firm and see if any other ill senior citizens are - having their credit reports and overall financial lives damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore opened an escrow account for an insurance that we paid in full on XX/XX/XXXX. Called and spoke with 5 different agents who guaranteed the fraudulent escrow account will be closed and the money will be added to the principle. This has been lingering for over 5 months and each month I call they promise the same and nothing is happening they are taking more money that they are supposed to my loan and still adding the money in an illegal escrow account. Lastly XXXX from escalation team and XXXX a call center supervisor mentioned they are working on it. NO resolution same invalid promises to be fixed and they keep depositing more money from my checking to an escrow account. 
Last contact was XX/XX/XXXX at XXXX PST and nothing is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked MY Credit report on XX/XX/2018, and I noticed an account was in collection for XXXX a medical debt. with no collection company or original company, I had to call into XXXX to find out who was reporting me. they had told me XXXX XXXX XXXX was the owner of the debt and the original company is XXXX XXXX XXXX. I have yet received any contact from XXXX XXXX XXXX which makes them unprofessionally. I want to know Why my medical information is being sold to a 3rd part debut collector in which they have violated my personal rights under the HIPPA Act. Do I want to know if this Collection company is legally able to collect in my state of California? 

I also want to know who your insurance company and policy number to further pursue legal action against your company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XXXX I purchased two Airline tickets and travel insurance with my American Express card. One ticket purchased on website XXXX for {$740.00} ( XXXX  ) and Travel insurance recommended by XXXX -Generally for {$55.00} total= {$790.00} Second ticket was purchased from XXXX for the amount of {$130.00} ( XXXX  to XXXX ) BOTH COMPANIES AT THAT TIME HAVE ADVERTISING : '' DUE TO COVID-19 FREE CANCELATION, FREE RESCHEDULING " At the time of purchase No restriction on travel to XXXX! 
On XXXX! XXXX ( Friday ) country of XXXX introduce RESTRICTION on travel for all travelers including US. 
WITHOUT NEGATIVE COVID-19 TEST NO ENTRY!!! starting XX/XX/XXXX. 
My Original travel date was XX/XX/XXXX schedule to arrive in XXXX next day XX/XX/XXXX. It was NOT possible to get test done in such short period of time and weekend!!! It was Not possible to board flight going to the Country that require Negative covid test without HAVING ONE! 
I called JUSTFLY immediately and explain situation i was assured that is going to be ok to reschedule but THEY START PLAYING ME COUPLE OF DAYS AFTER THAT with contradicting emails!!! 
XXXX XXXX newer return my email!?? 
Generaly ( Travel Insurance ) DENIED MY CLAIM! 
American Express DENIED MY DISPUTE!? 
I contacted ALL above mentioned companies numerous times in XX/XX/XXXX, XXXX, XXXX and XXXX of XXXX submit COUNTRY OF XXXX official website announcement of restriction with dates to prove that IT WAS NOT POSSIBLE FOR ME TO TRAVEL AT THAT TIME but no luck!?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-11
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
To whom it may concern, I took summer courses in the summer of XX/XX/XXXX, which was paid for by Sallie Mae which later turned to Navient. The amount of the private student loan was XXXX USD. In XX/XX/XXXX, I graduated from XXXX University, and I attended XXXX University to pursue a Master of XXXX XXXX. I informed Salliemae, I will begin my XXXX XXXX. I was informed as a XXXX student, I will not need to begin repayment on my student loans, and will put my loans in a type of deferment or forbearance status. A degree I finish in XX/XX/XXXX. I began repayment on my loan in XX/XX/XXXX. To this day, I have paid XXXX USD. Navient contacted me for a refinance on the loan through their own company XXXX, and my balance remaining is XXXX USD. I have contacted Navient a number times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with regards to this matter, and received no possible explanation. I am seeking help with this matter, and I refuse to pay Navient another dime. I have attached my payment history for the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I entered into a consumer credit transaction with Regional Acceptance Corp. I received a letter from XXXX XXXX XXXX XXXX stating that this account has been sent to them for collection. Upon receiving this letter, an affidavit, debt validation and cease and desist letter were sent to the address provided on the debt collection letter. Also, after investigating this letter, I noticed there were violations and federal rights being disregarded against me as federally protected consumer. According to 15 USC 1692k ( 2 ) ( a ), in the case of any individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

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 2020-05-15
Company: EQUIFAX, INC.
State: MD
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:
as you may know I encountered identity theft before and it seems that many inquries has begun to start appearing on my credit report such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ..there is also a car loan from XXXX XXXX XXXX that ... 

there are also incorrect spelling of my name neither one of them is how you spell my name My XXXX card is also report that I was late on a payment which I was not im confused to whats going on I have a identity lock on my social but they still let people run my credit without my consent ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a college student and I was trying to purchase tickets for the football game. I was disappointed to find out I was actually scammed. I am out {$180.00} because some girl promised me tickets but never followed through. She communicated with me all day long ( XX/XX/21 ). She stated she never received the payment, but I spoke with my bank and they said the payment was received and confirmed. I am pretty upset because I am missing my football game and I am out of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-24
Company: NAVY FEDERAL CREDIT UNION
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2021, Navy Federal Credit Union and I agreed on a payment plan with a reduced interest rate and the closure of the credit card. At this time I also requested paper statements. Paper statements were never sent. I regularly checked my account online for updated payment amount and due date information. I made multiple payments in XXXX and XX/XX/2021, which were not applied correctly. One was for the amount for the amount of {$4000.00} and one on XX/XX/2021 for {$200.00}. The latter payment was paid AFTER the forgiven XXXX due date and should have been posted to the XXXX payment amount due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I was charged {$3000.00} by a company thru an ACH transaction. No mercandise was ever reveived for this charge and I first informed the seller and then when I got nowhere I raised the issue to my credit union, Navy Federal Credit Union, in early XX/XX/2020. I then raised it again in early XX/XX/2020 and finally via phone in late XXXX after no prior response from the credit union. 

They have not responded to ANY inquiry either by phone, secure bank messaging system, or US mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation