BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: Truemper, Titiner & brouch Ltd
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I went to XXXX XXXX XXXX and filled out a credit card application. I was given a credit card, however I never entered into a contract with XXXX XXXX XXXX XXXX because I only filled out a credit card application. There were never any terms of an agreement, payment schedule, or annual percentage rate disclosed to me as required under the Truth In Lending Act. There was never a contract signed by me agreeing to any terms. XXXX XXXX XXXX of Truemper, Titiner & Brouch , Ltd filed a complaint on XX/XX/XXXX alleging there was credit card agreement that said I agreed to paying interest in the amount of XXXX XXXX, paying late payments, court costs, and reasonable attorney fees, but there was no agreement given to me that was signed stating I agreed to the terms. On XX/XX/XXXX, XXXX XXXX XXXX of Truemper, Titiner & Brouch filed a citation to discover assets which was unfair and deceptive because there was never any evidence presented stating I agreed to the alleged terms stated in the complaint. XXXX XXXX XXXX of Truemper, Titiner & Brouch engaged in unfair and deceptive debt collection practices by filing a complaint and then issuing a citation to discover assets which has had me going to court for over a XXXX. XXXX XXXX also called me on at least XXXX occasions and used abusive language and hung up on me when he didn't like my answers.This is unfair because XXXX XXXX XXXX XXXX violated XXXX and engaged in deceptive practices by leading me to believe I was filling out a credit card card application, when in fact they were using that application to get credit on my behalf which is also identity theft because this was never disclosed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: ID Analytics, Inc.
State: NY
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:
the following accounts are fraudulent and are not mine, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: EQUIFAX, 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:
Contacted Equifax regarding validation of debt by XXXX XXXX XXXX , XXXX of XXXX, Texas. Received correspondence that the account was validated. However, when contacting XXXX XXXX XXXX for additional information by certified mail on XXXX XXXX, 2017 ( XXXX ), the company stated that they were unable to locate the referenced account. I provided them sufficient information regarding the account. How is it possible for Equifax to validate an account if the organization can not locate my account? Also XXXX XXXX XXXX, XXXX per their correspondence and the Texas Finance Code 392.101 does not have " Active '' status to engage in debt collection in the State of Texas. The law specifically state that ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) the bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. The bond must be in the amount of {$10000.00}. During this time period XXXX XXXX XXXX XXXX has not been in a " Active '' but rather a " Cancelled '' status which removes the company from pursuing any alleged debt in Texas thus making Equifax in violation of Metro 2 compliance by validating a debt that is not collectible in the first place. I 'm requested that the five derogatory accounts be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for Discover and was approved. Used card once on XX/XX/2019 at XXXX XXXX at XXXX   XXXX XXXX in the amount of {$24.00}. 
I logged in and changed my card design to Rainbow design which i originally requested but Discover sent me a blue card and i added my spouse as an additional/authorized user. Tried to log in online but website said i need to verify suspicious activity and click to verify. I clicked and screen said i need to call fraud department. Called and verified all information. Lady said everything was fine. Tried to log into account and was given the same statement, need to verify suspicious activity. Card was blocked by Discover and still is. I have set up a bill pay in the amount of my purchase at XXXX, {$24.00} from our joint checking account ( my spouse and i have a joint checking account with XXXX XXXX Bank ). 
It is absurd for Discover to block my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2016, American Express reported on my credit file a delinquent charge. During this time, I was experiencing a serious illness which led to hospitalization and XXXX. As a result, I fell on hardship, as well as charges being made on my account that the creditor has not been able to verify. Can you please assist me in this matter of helping to restore my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
002. GLA Collection CO Inc. 
GLA has refuse to show thier account numbers in which they are attempting to collecting for. Refussing to contact XXXX XXXX XXXX to whom they state i have no outstanding balance to due insyrance has paid in full.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Equifax : Remove wrong the details from my Credit report. 

Please review the attached letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS - Account Resolutions of XXXX XXXX XXXX XXXX, FL XXXX has refused to VALIDATE a debt that they ALLEGE that I owe. I also believe that they are in violation of HIPPA as they are alleging a medical debt and I have never hearf of these people prior to this and have not been provided with proper documentation as required by law. I have also never signed a HIPPA release with this company. They continue to report this debt without any account level documentation, and I have sent requests 3 times. They are illegally reporting information about 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 2019-12-01
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a savings account with BBT in XX/XX/2018.

I deposited a check in this savings account which was placed a hold until it cleared. The check was returned due to the account being closed and this was done in error. There was no ill intent in which I am being accused of. Needless to say there was no money ever received and any returned fees were all paid in full.

In the process of all this, I was having XXXX from my XXXX access savings account transferred into my BBT account. BBT decided to close my account due to this returned check issue which is their choice, however BBT has failed to return my deposited funds to me. I was told in order for me to receive my funds back I would need to visit a branch. I went to a BBT branch on a weekend day and was advised I needed to see the branch manager in which they were not there or available.

My profession requires me to travel and I am gone from for long periods of time. 
Furthermore, I didnt visit a branch to open this savings account, I didnt visit a branch to make my deposits and I never received a signature card from BBT to sign off on this account. BBT decided to close my account and they should not be allowed to withhold my funds for over 1 year!!! How can you close an account and keep the funds??? There is nothing on the terms and conditions that says they have the right to do this!

I need to know where in the terms and conditions does it say they have the right to do this!!

How long can they legally hold these funds?

What legal rights allows them to do this?

Where in the terms and conditions does it clearly state they can do this?

How can you close an account but keep the funds on a closed account, however when I called CS Dept., I am being told the account is on hold. Is the account closed or on hold??

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 2017-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I tried fixing this problem with the company, and the sent me the paperwork to see what this was all about. It is for a bad check in California, which has a statue of limitation of 2 year it 's almost 4 years old. XXXX and Equifax have the account still open. On the invoice it has the check bad in XX/XX/XXXX and it 's been reaged to XX/XX/XXXX. XXXX, Equifax, and XXXX have it reaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Mortgage Professionals of Sun Valley, Incorporated
State: ID
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I called my bank, and was referred to an outsider, XXXX XXXX, for the loan information I was requesting. He text me her info, since I was driving and had no pen or paper. I called her, gave her my information, and she emailed me what else she needed. She told me that I 'd hear back from her tomorrow ( Tuesday ) I emailed at XXXX, text and Called her, with no response until hours later, with " I 'm sorry I did n't receive it back yet, sorry for the delay, hopefully tomorrow '' I tried calling her twice on Wednesday, and received no answer, or call back. I 'm not comfortable that she has all my personal information, is n't with the company I was told she was at, and is n't returning any phone calls, texts or emails. It 's very unprofessional, and nerve racking, since I gave her info to run my credit, and info that could ruin my life. I talked to another lender, and she told me it 's likely if she 's switching companies, that she does n't have her license 's arranged with the new company and ca n't access the system to run my info for a pre-approval. If that 's the case as well, she should 've been up front, open and honest about switching companies. I would 've never given her my info that being the case, because I have a very Time sensitive situation and am needing to see all my options now. Being a first time home buyer, this puts a bad taste in my mouth, and I will be telling everyone how poor of a job she did. Her job history as well, shows that she bounces from job to job, which I wish I knew before. Lesson learned.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery you are in violation of my rights and the law USC 1692 { b ] and 15 USC1602 { l } remove all accounts from my credit report s under the law you have violated my rights and these accounts are fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I received a notification from My XXXX  that there was a credit inquiry under my name or SSN from two payday loan providers last XX/XX/2022 in which I didn't applied for. The companies are XXXX XXXX with tel. no. ( XXXX ) XXXX and XXXX XXXX with tel no. ( XXXX ) XXXX. I tried to settle and have the companies stop whatever illegal operation was being done under my account but they wanted some important information which I don't want to provide. ( my SSN ) In relation to this I would like to report this incident to protect myself or my account from being used in some illegal activities especially loans and purchases. Please help me resolve this problem as soon as possible. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is with regards to Flagstar Bank. 

Flagstar.com XX/XX/XXXX payment was taken from my account. XX/XX/XXXX the bank drafted 2nd payment. On XX/XX/XXXX The bank collections department called and threaten to Foreclose my home for non payment. 

On XX/XX/XXXX they send statement stating that none payments were made. On XX/XX/XXXX they drafted a payment for the month of XXXX. All three months have been taken out of my bank account but the bank claims that no payments were made. 

After 2 hour conversation finally the bank figured out that they have been taking out payments and stated they will fix the matter. 

It is XXXX and I continue to get calls from Flagstar bank collection department treating me to foreclose on my home for non payment. I explained that they have withdrawn payment from bank account. They have been treating me over the holiday to foreclose on the home that I have made payments on. I have all proof of payment taken from my checking account. The customer service manager of the bank has no idea why this is happening. 

My mortgage payments with original Leander were less by {$300.00} then they are now with Flagstar. 


Flagstar has been very aggressive with regards to foreclosure on my property on which I make timely monthly payments on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: JPMORGAN CHASE & CO.
State: PA
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:
Hello, Ill try to make this concise : My mortgage servicer used to be Chase Home Finance. In XXXX of this year I was scheduled to have XXXX and miss 6 weeks of work. I reached out to them before hand to see if I could make an arrangement to skip a month of payment and then pay a month and a half for the subsequent months to get caught up. They agreed, sent me a document to sign and I proceeded to pay as agreed through the next months. In XXXX, they sold my mortgage to another company ( XXXX XXXX XXXX XXXX  ) and reported me to the credit bureaus for being late on my payments by 60 days, even though I had paid as agreed. I have reached out to them multiple times but they claim nothing can be done to remove or annotate this to indicate I was only late because I was proactive and reached out in advance about a medical issue, had I know I would have made other financial changes which would have allowed me to make these payments as usual. I am trying to get this removed from my report so Im reaching out to CFPB, I have a lot of respect for the mission of the Bureau and Im hoping yinz can help. Thank you. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2016, two ( 2 ) items were removed from my credit report, one for XXXX XXXX XXXX XXXX and one for XXXX XXXX XXXX. These items were deleted and were reinserted a couple of months later. I have disputed these items, requested verification as well as validation of these debts. These debts do not belong to me and I have been trying to get them corrected. I contacted XXXX and requested the procedure used to verify the accuracy of these items. According to the FCRA, the credit reporting agency should provided, upon request, the process used for verification. This process includes, but is not limited to, names of persons spoken to to verify debt, dates and times of said conversations, as well as any and all supporting documentation. <P/>When I asked the credit reporting agency, XXXX, for these items, they responded with a form letter stating that they are not required to supply these items. Their method of verification is electronic ( XXXX ) I am requesting an IMMEDIATE and PERMANENT deletion of the above said items, because they have not and can not be proven to belong to me. XXXX and refused and failed to properly investigate these items. This situation has dragged on for far too long with no attempts by XXXX to properly handle my disputes.

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 2022-09-06
Company: EQUIFAX, INC.
State: IA
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 have contacted The credit reporting agencies to explain that Im a victim of identity theft. Ive added Fraud alerts. Ive mad many complaints about third part debt collection that is on my account they should be removed and they continue to knowing keep it on my report. Ive been violated. They have removed 2 accounts and have left the rest. Ive brought this to their attention and they to be negligent in the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Today I received a notice of a court date to attempt to garnish wages from my wife thru her employer. I received this notice even though I provided the debt collection law firm with proof as to why I am exempt under Wisconsin Law, ( maybe Federal as well ). The firm attempted to garnish my wife 's wages for a debt that I owe from about XXXX years ago. They sent the paperwork to her employer. I responded to the attempt and stopped it by answering questions on a form. The reasons I gave were, ( garnishing wages would prevent us from paying our mortgage and utilities and leave us no money for food for our family of XXXX, XXXX adults and XXXX children ). ( I am exempt from garnishment as I receive public assistance in the form of energy assistance ) I provided this law firm, first, with copies of my wife 's payroll stubs, energy disconnect notice, copy of mortgage payment statement from mortgage bank to prove how much we paid. I then provided them with a receipt of the energy assistance that I am receiving from the agency in my community. I contacted them today after receiving the notice from the courts of the hearing and asked them why they were proceeding even though I provided them with XXXX different forms of proof. The debt collector told me that the receipt from the agency that gave me the energy assistance was not sufficient. I asked him why and what he wanted to make it sufficient. He then refused to provide me with what would be sufficient and told me to take it up with an attorney. I followed the guidelines that are required for providing this debt collection firm with proof as to why I/my wife are exempt from garnishment and they refuse to accept this proof and refuse to tell me what they would accept. They know that their actions are humiliating to my wife at her plasce of employment and they continue to attempt to collect this debt thru this method even though I am exempt under the law. They are pressing with a court date to further harass me and my wife by dragging us into court to prove something that 's been proven already. I have also attempted to set up some sort of payment plan and they have refused this offer instead pushing ahead with the garnishment attempt. I can provide proof in the form of paper copies of everything I have stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: JPMORGAN CHASE & CO.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase mortgage via their web access offered a reduction in mortgage term for paying in greater frequency than the usual monthly payments. When I followed their offer to a link and used 2x monthly payments, the term did not decrease as the offer claimed. In fact, used this deceptive " ad '' to entice me in paying twice a month, yet I received ZERO benefit as a result. I am requesting compensation back for benefit of paying additional payment early for the past year+. Chase received the benefit of getting a payment early then earning interest, but has not passed the earnings/savings to me even after their ad specifically stated this as an inducement to pay extra per month.

Company response to consumer: Closed with explanation