BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished one account on my report.

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ).

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished one account on my report.

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ).

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My parents transferred money from their Edd prepaid card to my Bank of America account, but they said my account did not have their name, so my account was frozen in XX/XX/XXXX. The total amount is XXXX XXXX Then they told me to close the account and the amount was reviewed and returned to me and my parents. I called countless times and did what they said. I got my first check about XXXX $ but the rest XXXX $ is still frozen until now XX/XX/XXXX. In the latest call, they said they were still reviewing but didn't have any information about it. 

I don't know what they're reviewing or why they haven't dealt with it for so long. 
The staff who answered the phone didn't know that and couldn't give me any information like documents or case numbers or when it would be resolved, just let me wait. 

I can understand why they froze my account, but I went to the bank for the first time to prove the identity of myself and my parents, and then did what they said. But I can't stand them freezing my and my parents ' funds for so long now.

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 2022-09-19
Company: ARC Management Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX at XXXX XXXX, I received a call from XXXX on a cell phone which has been registered on the national do not call registry since XXXX. I have seen previous calls form this number and refrained from answering them as I believed them to be spam calls given the caller ID name appeared to be XXXX XXXX XXXX or XXXX XXXX XXXX  and I have never been to a XXXX XXXX in my life and do not believe there is a hospital with this name anywhere near where I live, work, or visit. 

Upon answering, the call immediately played hold music, suggesting that a robodialer was used to call me. The call then transferred to " XXXX. '' She correctly identified my first and last name. She asked me to verify my date of birth and/or address. I advised her that I do not provide such information to unsolicited callers. She said something immediately after this about when I am " ready to provide '' the requested info and then immediately disconnected the line before I was able to get another word out. 

I called back and spoke with " XXXX '' ( spelling? ) who transferred me to " XXXX. '' I advised her I did not wish to be contacted by phone again. She responded that the number would be removed and additionally stated they've mailed me several times. 

To date, I have never received a single letter from these folks. I refuse to provide my date or birth and/or written address to an entity that will not identify who is allegedly owed, what amount is allegedly owed, and for which good and/or service it is owed. Based upon the name, this company appears to collect medical debt and, to my knowledge, I have no unpaid medical bills for any provider or facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: FL
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:
For over four years I have maintained an exceptional payment history on every account. During this time I have also paid off several accounts and presently have a XXXX balance on all remaining revolving accounts and paid off two installment accounts for over {$11000.00}. My only obligations at this time are my mortgage and heloc. Last year, I had paid ahead my XXXX XXXX installment account so I didn't have another payment due until some time in year XXXX. I decided to go ahead and pay this account off anyway about a month ago for over {$4000.00}. 
Last week my score went to XXXX and I was fine with that. I thought someone had finally taken the time to begin to fairly adjust my score. However, after my report recently updated to show a {$0.00} balance on an OPEN revolving XXXX  account, my score went DOWN to XXXX and all of a sudden I have " Lack of sufficient credit history ''. ( The closed XXXX  account on the Equifax Report shows an age of XXXX XXXX. ) Also, there were " Too many inquiries '' according to Equifax. ( I have nine inquiries with one dropping off this month and three dropping off this year. Two last year were obviously competitive and one inquiry " XXXX '' should not even be on my report-I disputed it as fraud but it is still there! My credit report was locked during that time so how did this happen? Also all but one are from the SAME lenders I have been with for years now and the new one is for my son 's student loan deferred until some time in XXXX for {$99.00} mo. Additionally, there have been NO INQUIRIES THIS YEAR. So is Equifax grasping for something? ) I have no bankruptcies, judgements, liens and nothing that should negatively affect my credit report account at this time. 
Equifax is not fair. I have PLENTY other examples that I can share if needed. I have to wonder am I being discriminated against, or does the company get more money to keep scores low, or are their staff trained this way??? There is something going on there and it is not fair. Equifax will find a way to keep your score from rising. 
I feel that Equifax IS being discriminatory, if not by race, by some other measure that ultimately hurts those already at the lower end of the credit scale. Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Home Point Financial Corporation
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX XXXX I got new homeowner 's insurance that saved me over $ XXXX on my annual insurance premium. That month, I reached out to Homepoint, my loan servicer, about the change and requested an escrow analysis because the new insurance amount would lower my monthly payment. 

However, I had to call back in XXXX because it hadn't been completed. I spoke with a representative in XXXX for nearly an hour to get an " out of cycle '' escrow analysis completed. They assured me it would be done, but said they could not provide me a confirmation email or request/ticket number so I could follow the process because, as the representative said, " it's an internal process. '' Come XXXX, I found out that my loan was transferred to a new servicer, XXXX XXXX and saw that my loan amount was still the same : {$1400.00}. When I called XXXX XXXX the new servicer, they said Homepoint had not completed an escrow analysis and they would have to start the process from scratch. 

XXXX XXXX  completed the escrow analysis for the next billing cycle in XXXX and reduced my monthly payment to $ XXXX $ XXXX cost savings for my mortgage payment. However, because I had been paying the old monthly payment amount for the months of XXXX, XXXX and XXXXbecause Homepoint failed to complete the escrow analysisI lost out on {$120.00} that could've been applied directly to my mortgage 's principal amount. 

I spoke with a representative at XXXX XXXX and they said I would have to take the issue up with Homepoint, so today, XX/XX/2022, I called Homepoint and was told the escrow department did not complete the escrow analysis because the monthly payment amount difference was " not significant. '' I was never notified of this decision by Homepoint. Instead, they pushed the escrow issue off for XXXX months and eventually onto my new service provider. And XXXX, the Homepoint representative, could not clearly tell me where the monthly {$42.00} overage ( total : {$120.00} ) for the homeowner 's insurance premium portion of my escrow account was paid. 

I am attaching the escrow analysis completed by XXXX XXXXdemonstrating the significance of the homeowner 's insurance premium change in relation to my escrow account and resulting monthly mortgage payment adjustment. I am also attaching my XXXX and XXXX mortgage statements from Homepoint and XXXX mortgage statement from XXXX XXXX  which includes my transaction history for the months of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
First,. I'd like to start by saying I've never heard of this company. I've never received anything in the mail and had no idea who they were until they started calling me about a year ago. 

XXXX XXXX has continuously been calling and harassing me for a debt I have paid to the original creditor. I have spoken to a collection agent twice in the past year. Unfortunately, I did not note the date and time I spoke to them. The first conversation I was informed that they were attempting to collect a debt for Synchrony XXXX for a paper shredder. I informed the agent that the account in question has been included in a debt consolidation program and paid. The agent then began to try and bait me agitate me by attempting to interrogate me about this account and asking me personal questions. They continued to call on a weekly basis several times a day sometimes. 

I spoke to another agent several months later. By then this account had already been paid in full through the debt consolidation program. I informed the agent of this but he insisted I still owed them money. I also informed him that I never heard of their company nor have I ever received anything in the mail from them concerning alleged debt. He said they would send something via mail. I never received anything to this day. 

The phone calls continue and they are always from a different number. They never leave a message. In fact, I received one this morning from XXXX and that is why I am taking the time to report them for continued harassment.

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 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX u.s.c XXXX SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 


Sincerely 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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 would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which are reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 

XXXX 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 2023-08-15
Company: Experian Information Solutions Inc.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. The XXXX credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-06-24
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2022 I was asked by a friend to cash her Social Security check. The check was in the amount of {$750.00}. I had her sign check over and went to my local branch and deposited check into ATM as I do with all my deposits. The check was not made available ( did not clear ) for 7 days. Once cleared I withdrew cash and gave to my friend. 

on XX/XX/XXXX I called to check my balance and my account was negative over {$750.00}. I called the bank to see what happened and I was informed that this check was previously cashed by another bank and they had deducted funds from my account to cover. I immediately grabbed my friend and visited the branch office to speak with a manager. There was none on duty, however, the tellers proceeded to tell me this was my problem and nothing I could do. I asked for a copy of the cancelled check which I was given. On the back of this check there is no other evidence of a prior cashing activity. I was given the name of a XXXX bank that was the entity that cashed the check prior, but no further information was given. Since then I have spoken to a branch manager over the phone, and visited three different branch locations to attempt to get help with this issue. I was treated poorly and consistently told there was nothing I could do. 
I then decided to research the federal reserve laws on line and came across a law put into affect to aide in disputes from mobile and ATM deposits called the Check XXXX XXXX. this states that the initial bank did not make " known '' the check was cashed, therefore, they would be responsible for the duplicate cashing not me. I brought this to the attention of my bank and I was told to get a lawyer. I am not rich, can not afford a lawyer. My account remains negative for 24 days while I have tried to resolve this issue. I have incurred bounced checks and fees from my creditors as well as the through my bank itself. They are now proceeding with collections and collections calls. I have no information to report fraud, or make claim with police because no one will tell me anything. I would like all of my money back including all fees both with in account and from my creditors charging me bounced check fees. 

In my experience an check put on hold for 7 days is so it can be investigated that it is ; 1. a good check. 2. Has the funds available to pay!! Once it is " cleared '' it should be all set. Three months later with no prior notice, all of a sudden there's an issue. My bank could have taken a year to clear this check if they needed to. Once clear the customer ( me ) should be able to use those funds with out fear of later recourse and all because of technology and mobile deposits and ATM deposits. If the checks can not be verified they should not be accepted in this manner!!!! Please HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit card ending in XXXX with Chase is overpaid by over {$3000.00}. I initially made a {$3000.00} dollar payment to XXXX XXXX in XXXX XXXX Florida for a down payment to car which I later returned. XXXX refunded the {$3000.00}. On the same day I made a payment to XXXX, I also made payment from my checking account in the amount of {$3500.00} to cover the payment to XXXX and any other balance on my card ( I usually keep a XXXX balance on my credit cards ). 
The result of the XXXX refund and my {$3500.00} resulted in a balance due me of over {$3000.00}. I called Chase, my credit card bank to request a refund back to my checking account. The supervisor assured me the refund I requested was going to be put back in my account ( {$3300.00} ). I was made aware to made aware today XXXX when I called Chase after a 50 minutes wait on the phone that the supervisor only requested a {$200.00} refund which has still not been processed instead of the {$3300.00} I requested. I was also told due to the mistake made by the other supervisor I will have to wait twice the time to receive my refund ( over {$3000.00} ) which is a negative balance due me from my card ending XXXX. I asked when the turn around time was and the supervisor told me that he does not know a turn around time. My question is, how come I am being punished to to Chase mistake of not initially processing the request I made correctly by holding money from my checking account? Secondly the money came from a Chase checking account which the credit card department can verify so what is their problem? By holding over {$3000.00} of my money are they going to pay interest?

Company response to consumer: Closed with non-monetary relief