BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2018-05-30
Company: SECURITY CREDIT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
An operator in this office by the name of XXXX XXXX ( ext XXXX ) contacted a family member of mine on Thursday, XX/XX/XXXX and proceeded to provide said family member with detailed information regarding my account. Said family member was only asked to verify my date of birth ( call is recorded ) and the employee proceeded to disclose private information such as the amount of debt owed, my personal information, dates and payment arraignment options. I am not a minor and have no additional cosigners on this account. The family member in question was my mother, her English is limited and she suffers from mental illness. This operator took complete advantage of her limitations on this call. 

On XX/XX/XXXX I contacted XXXX XXXX at extension XXXX in the office and provided him with my name, social security number, date of birth and mailing address. I then proceeded to ask why the above verifying factors were not implemented when he had spoken to my family member the previous day and he placed me on hold for 20 minutes. I waited for him to return to the phone and expressed my concern for how this office is handling my private information. His tone became aggressive and that is when I asked to speak to his direct supervisor. He refused to transfer me to a supervisor. I called back and was routed to a supervisor by the receptionist. 

The above mentioned supervisor insisted he return my call and I have yet to hear back from him. On XX/XX/XXXX I attempted to contact the office supervisor and left numerous messages for him to return my call. Once I realized I was being avoided I contacted XXXX XXXX, the offices legal counsel and was told she would get back to me this week. 

My mother suffered a nervous breakdown following this call due to her mental issues. This caused me grief and much embarrassment. I am XXXX years old and am protected under federal law for my private information not be disclosed to anyone other than I or an attorney representing me. I would like this office reported so this doesn't happen to anyone ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
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:
I had an existing Chase Freedom Visa with a {XXXX} credit line. I opened a Chase Southwest Rapid Rewards Visa is XXXXXX/XX/2021. Chase transferred a credit line of {XXXX} to the Chase Southwest Rapid Rewards Visa from the Freedom Visa in order to open the new account. I tried to close the Southwest Rapid Rewards Visa a year later and restore the full {XXXXXXXX} Freedom Visa credit line. 

Chase refuses to restore the Freedom Visa credit line in full - and will only transfer {XXXX} back to the Freedom Visa credit line from the Southwest Rapid Rewards Visa. The explanation is that because there is a {XXXX} balance ( annual fee for XXXX ) on the Southwest Rapid Rewards Visa , the full credit line that I used to open the Southwest Rapid Rewards Visa can not be restored. 

According to Chase 's XXXX XXXX, the issue can not be escalated and the system will not allow him or anyone else in the company to do it. The only other solution is for Chase to perform a hard credit check to see if I qualify for a credit line increase on the Freedom  Visa. I have now closed the Southwest Rapid  Rewards Visa and XXXX says he is transferring only {XXXX} back to my Chase Freedom Visa credit line - but under no circumstances will Chase restore the full {XXXX} credit line on the Freedom Visa - even though that was what I was promised time and time again in my phone interactions with Chase customer service when I opened the Southwest Rapid  Rewards Visa and when I started trying to close it. 

I want my original credit line restored without a hard credit check. It makes no sense that I would enjoy the full XXXX credit line ( distributed over two credit accounts ) if I didn't close my Southwest Rapid Rewards Visa account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX i have a suntrust/Truist my account had been locked a year it's been closed open closed open to locked for withdraw i have did everything i was suppose to do and is still locked i have XXXX dollars in my account i want to be able to access my account since the merge to Truist bank i have not recieved my card and not been able to access my account online

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 2022-03-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2016-10-07
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card
Issue: Rewards

Complaint:
This complaint is about both American Express and XXXX. I have reward points with American Express for using its credit card. XXXX accepts these reward points as payment for its goods. However, the check out and payment pages of XXXX do not DISCLOSE that {$1.00} used to pay for XXXX goods is equivalent to XXXX reward points. Instead, it simply states that a customer has $ xx available without disclosing the number of points that the dollar amount will use up. As a result of this lack of TRANSPARENCY, we used all our XXXX points. In contrast, to pay for travel through American Express, {$1.00} is equivalent to XXXX points. No economically rational agent would take XXXX 's exchange ratio over American Express 's exchange ratio if she or he knew about the different ratios and was given full disclosure of information in the transaction. Commutative justice demands FULL DISCLOSURE of all relevant information in business and financial transactions. I called XXXX but the " leaders '' were unhelpful and intransigent. The company must be compelled to be more transparent in getting customers to use American Express points to pay for XXXX purchases. American Express should be more vigilent with its partners to ensure that its own customers are not duped in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LoanCare is reporting late fees on my credit report when the account is already paid and closed. With the 15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2022-03-28
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed for Chapter XXXX bankruptcy sometime in XX/XX/XXXX and was discharge in XX/XX/XXXX. It took 5 years for the discharge because my bankruptcy lawyer was suspended and went to jail, so I have to finish my Chapter XXXX without the help of a lawyer. I am trying to refinance my home at the moment and it turns out my second mortgage company put a lien on my property without letting me know. I assumed that my second mortgage was XXXX by the bankruptcy court because my second mortgage company stopped sending me bills since the start of my bankruptcy proceedings. It is like it went on " zombie '' account and they hid the statement from me that I still owe them money. After I contacted them to release the lien, they are trying to collect the $ XXXX that I owe on the second mortgage. this put me in a bad position and will not be able to afford the mortgage payments. I am current with my first mortgage and excellent payment schedule. I am XXXX XXXX XXXX and ready to retire and hopefully will be able to file this complaint against my second mortgage company as a violation of Elder Financial Abuse by the second mortgage company. Can you please let me know if you can help me in this situation? Thank you very much.

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-08-31
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2017-05-25
Company: CITIBANK, N.A.
State: MI
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:
RE : A ccount Numbers -  XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MI  XXXX  phone -  XXXX  email -  XXXX  XXXX  XXXX  My mother,  XXXX   XXXX   XXXX , had a mortgage that was held by CitiMortgage. She held that mortgage as an individual, it originated  XXXX . My mother passed away  XXXX   XXXX ,   XXXX  . I informed CitiMortgage of my mother 's death and sent the death certificate. My mother did not have a will nor did she has any assets. I received a mortgage statement from CitiMortgage the following month with my name  (   XXXX   XXXX   )  and my sister 's n ame (   XXXX   XXXX  ) listed on the mortgage. I contacted CitiMortgage and they stated they put our name on the mortgage now that my mother had passed away. I explained to them they can just add someone else to a mortgage, we had nothing to do with my mother 's home. They reviewed the closing documents and discovered neither myself or my sister had signed any documents. They faxed me copies of the documents on  XXXX   XXXX ,   XXXX  . It appears my mother listed our names on the loan application under the title without our knowledge. They stated they would remove our names. We did n't receive any further statements from them. I did not nor did I ever live in my mother 's house. I did not obtain her house after her passing nor did I benefit from her home. Neither did my sister. I assumed everything had been corrected. I obtained a recent credit report which is listing  CitiMortgage with more than 17 late payments adversely affecting my credit report. Even though the y stated they removed my name from the mortgage they continued to report negatively on my credit for an additional 4 years.

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 2022-08-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instruction. 15 U.S.C 1681i SECTION 602 A also state I have the right to privacy. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me I never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec, 1681i ( a ) I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent rights and correct. So could you please check on on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate accounts and remove them if anything is missing or not correct on them. Please provide proof that its reporting correctly from the Courthouse and not a third party and delete if anything is incorrect and update the account as ( paid as agreed ). 
Thank you for you time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX of XXXX XXXX XXXX transferred servicing of my mortgage loan to Statebridge Company. This is modification loan and it has been issued by XXXX on XXXX of XXXX XXXX. 
On XXXX of XXXX XXXX Statebridge Company prepared Annual Escrow Account Disclosure Statement with an escrow monthly payment {$1500.00} effective XXXX XXXX, XXXX. After my complaint with CFPB the company lower it on XXXX XXXX, XXXX to {$1300.00}, which payment was still too high, because I sent to Statebridge documents, that my property tax for XXXX will be much lower. Statebridge set up a cushion and anticipated payments for my account. Even, when I paid a shortage of {$460.00}, the company did not lower my payment. 
Finally, on XXXX XXXX, XXXX, Statebridge lower escrow monthly payment to {$1200.00} but still maintaining a cushion of {$2100.00} and anticipated payments. My new hazard insurance will be only {$84.00} higher then year ago but my new property tax will be {$420.00} lower then year ago. In XXXX I paid {$11000.00}. 
So my monthly escrow payment should be {$970.00}, {$240.00} less then I pay now. 
Furthermore Statebridge does not send me any information about incentive payments since this is a modification loan. 
For me and my husband this is big difference and we hope that Statebridge Company make appropriate corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Innovis
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never heard of this company .I have n't apply for any credit card nor any loans what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: DISCOVER BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Discover card was fraudulently opened in my name. Account date opened in XXXX. The bill was sent to another address or post office box number that I was not aware of. The credit limit was {$17000.00} from XX/XX/XXXX to XX/XX/XXXX. The account was closed on XX/XX/XXXX. The high balance was {$15000.00} from XX/XX/XXXX to XX/XX/XXXX. I received a summons today and was made aware of the account. Presently I am disputing it and reporting fraudulent activity. Also, freezing my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This XXXX i receieved XXXX phone calls from seperate numbers [ ( XXXX ) XXXX, ( XXXX ) XXXX ) ] and seperate people claiming to represent a company called Legal Recovery Solutions. They had previously called my mother and sister before getting in contact with meThey opened the conversaation by asking me to confirm my identity and went as far as telling me the last XXXX didgts on my SSN #. ( which they also provided to my family in a voicemail when they previously called ) they then starting talking about a debt i owe from years ago to " XXXX XXXX ' XXXX '', which is a legitimate debt. 

At this point theyre telling me that i owe roughly {$930.00} and must pay it in full immediately or they will file paperwork to issue a warrant and have me arrested due to " their client '' pressing charges on me for a couple different types of fraud. I questioned him about the legitimacy of what he was telling me and he got extremely defensive and kept insisting that i would be charged with felonies if i did not pay. he also refused to identify his client when i asked who was pressing the charges since he had told me that the original debt collection agency that got my account from XXXX XXXX XXXX had turned over my debt to someone else, and that that new agency, whom he is referring to as his client, is the XXXX pressing charges if not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Transform Credit Inc.
State: OR
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:
Company : TRANSFORM CREDIT INC Amount : {$220.00} Dates : XX/XX/2021 I have tried calling the company to talk to someone and no one ever answers. 

Makes it hard to try to reconcile the inaccurate account. 

I am not sure what else to do except continue spamming their phone with calls. 

I have no signed documents or any documents for that matter that would justify the account that was created under my name. Therefore, the company does not have the right to establish an account in my name. 

Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX Acct # XXXX I originally disputed the information in XXXX concerning this account. The company responded as verified and accurate. I later contacted the XXXX to work out an arrangement. We came to an agreement concerning this account. After several months of contacting the credit bureaus due to the inaccuracy of reporting this account, I would like this account deleted from my file. 

Included are my documents proving that the credit bureau willfully continues to report incorrect information damaging my credit worthiness. The first page is the settlement offer which I accepted on XXXX XXXX, XXXX. The second page is taken from my XXXX report dated XXXX XXXX, XXXX. The third and fourth page is from TransUnion dated XXXX XXXX, XXXX. The fifth is XXXX dated XXXX XXXX, XXXX. As you can see, there is no attempt to report the status, grid or comments correctly. There are also gaps in the grids and failure to include date of last activity. 

The second attachment is proof that I did pay XXXX. I included both pages of my statement for completeness. On the second page, you can clearly see that on XXXX XXXX, XXXX, the payment was made to XXXX. If you wish, you are more than welcome to verify this with them. 

Under FCRA Section 623, the credit bureau refuses to correct inaccurate information and I do not wish to seek damages at this time. However, I would like this account deleted immediately.

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