BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a charge card with XXXX Department Store. I check my credit weekly, because it's important to me. I checked today and XXXX XXXX department store charge card reported that I was late. They reported it to transunion on XX/XX/2020 and XXXX  on XX/XX/2020. I haven't checked XXXX. When I reached out to them today they advised me I was late XX/XX/2020. I paid my account balance off of, {$77.00} today before I knew they reported me. I NEVER received a statement. I NEVER received a phone call. Because if I did I would have paid it in full. During this Pandemic my mind was more concerned about where I'm getting my next pay check to feed my family. Like most Americans I'm scared to death and my XXXX account of {$77.00} missed my mind to pay it on XX/XX/2020 to avoid a credit report. This is the biggest health care crisis and this is what XXXX XXXX department stores does to help it's customers during this!

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX 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 2022-03-30
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every day sometimes twice a day..Randolph Brooks Federal Credit Union..is leaving voice mails to call them back..I have blocked them on my phone but they still get through and leave a message..they are harassing me..Please get.them to stop or I will have to change my phone number..Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Multiple payments were made to payoff PayPal Credit. While the customer service representative stated that the terms of service specify that some payments may be applied, there may be a funds hold when the amount exceeds an undefined threshold or multiple payments are made within an undefined period of time. She mentioned that had the payments been for {$1500.00}, there would have been no issues, but since they were {$2000.00} and more, there is now a 12-day hold. The payments were made on XX/XX/XXXX and cleared on XX/XX/XXXX. The company, Synchrony Financial refuses to contact the bank or asks for faxes or to mail in copies which would still put us over the 12-day hold. At no point during the payment process were there any warnings stating that making a payment over XXX amount or making extra payments would cause the funds to be on hold. Since by the time this complaint is processes the funds will be available, I do not accept the answer that the issue has been resolved, as this will be a problem again for me or other customers that decide to make either multiple payments or payments over a certain amount.

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 2022-07-20
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:
Upon reviewing my dispute results received from Equifax who claimed they verified and updated the account disputed, I see that they continue to update the account outstandingly inaccurate and incomplete after having multiple opportunities to comply with the FCRA. 

Equifax states the information provided to determine the accuracy and completeness came from the original creditor, however Equifax is reporting different information than the original creditor. Equifax last payment date does not match the last payment date XXXX XXXX  reported to equifax. Equifax failed to provide complete information such as high credit, scheduled payment amount, etc even though XXXX XXXX  provided Equifax with that information as seen on the dispute results. Equifax reports XXXX XXXX  as charged off but failed to provide the account closed date. 

Also, Equifax failed to prevent inaccurate reporting by XXXX XXXX  : If my last payment date was XX/XX/2021 ( which is incorrect ) setting my balance to {$2200.00} then why is the balance now {$2200.00}? Nothing has changed. That triggers the high credit to change from {$3500.00} to {$3500.00} which again is incorrect. 

Equifax has violated several laws listed below : 15 usc section 1681 e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 usc section 1681 i ( a ) ; If ANY information disputed is found inaccurate and incomplete the consumer reporting agency must update or delete items disputed 15 usc section 1681s-2 ( b ) requires the credit reporting agency to examine sufficient evidence to determine whether the disputed information is accurate.

15 usc section i ( b ) ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description by not later than 15 days In addition, I have the right to privacy according to 15 usc section 602A.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: GA
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:
ive tried to deal with the credit bureaus on these matters in several occasions there is fraudulent info on my report and im going to sue due to no other recourse

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 2022-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019, Capital One reported a charge-off of {$1600.00} to XXXX, XXXX XXXX This WAS NOT a case of my writing checks against my account. Capital One deleted an external account that was used to transfer funds in to my Capital One account. I had a number of automatic payments to creditors set up. Since Capital One deleted the external account, I was not aware that my account had not been funded. I had no way to fund my Capital One account without that external account as I was not anywhere near a branch. In spite of a low balance, Capital One kept drafting my account to send out payments to these creditors, knowing there wasn't enough funds in the account. After repeated attempts to resolve the issue, Capital One agreed they were in the wrong but would only reimburse two of the overdrafts. Additionally, since this occurred, Capital One changed their policy and no longer charge overdraft fees yet I am being reported to XXXX for a policy they no longer enforce.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I was taking Advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I cant get a job, I couldnt close on a deal, that caused a financial impact. Under this crisis, you have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I could n't afford the {$200.00} copay when I initially visited the FL hospital some time ago and was told I could worry about it at a later time. On Friday  XXXX   XXXX  around  XXXX   XXXX   ( mont hs later after my hospital  visit )  my sister sends me a series of panicked text messages asking me if I am ok be she had received a serious sounding call from an official type place that sounded government related and was all confused. I had no idea what she was talking about but she provided me with the phone number of  XXXX  ext  XXXX  and said they had asked for me. I called it and that 's when I realized it was FL Hospital collections looking for the stupid {$200.00}. I was totally embarassed. Everyone goes through a rough patch, but this company did n't have the right to put mine out on blast to my sister, while she was at work. I made up some bogus lie to my sister so she would n't know. I then called the number and extension provided and told them that they had no right legally to call my emergency contact from my medical file who is NOT financially responsible for me to attempt to collect the pathetic {$200.00} copay, especially my sister who was at work. I was absolutely 1000 % embarrassed and mortified. I then provided the woman my lawyer information as I am filing a chapter  XXXX  bankruptcy and requested not to be contacted any further. The woman who took my information said I would not be contacted any further. Since that day,  XXXX   XXXX , I have still been call ed 3 more  times regarding this debt by a different number :   XXXX   XXXX  2017 at  XXXX   XXXX   XXXX   XXXX   XXXX  2017 at  XXXX   XXXX   XXXX   and today   XXXX    XXXX , 2017  at  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX XXXX # XXXX {$440.00} Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX  XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX  XXXX # XXXX {$440.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF  # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX XXXX # XXXX {$440.00} XXXX XXXX # XXXX {$23000.00} Inquiries : XXXX/XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Financial Management Solutions, LLC
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:
Hi i filed a CFPB Complaint against Financial Management Solutions they are reporting a debt on my credit that does not belong to me. Yesterday XX/XX/2020 i got an alert from the credit bureaus that Financial Management Solutions did a credit check on me that gave me a hard inquiry. I did not authorize this.

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 2022-03-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 1XXXX XXXX XXXX Acct # XXXX -has violated my rights 2. XXXX XXXX acct # XXXX -has violated my rights 3.XXXX XXXX XXXX acct # XXXX -has violated my rights 4.XXXX XXXX  XXXX act # XXXX -has violated my rights 15 U.S.C.1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions 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 information incorrect

Complaint:
First of all, I have three companies ( XXXX XXXX XXXX, XXXX and XXXX XXXX ) writing, emailing and call me for the same account. Each of them have different account numbers but XXXX XXXX XXXX have me list on the credit bureaus as being late. I called XXXX XXXX who I was making payments to about my account they told me they do not put anyone on the credit bureau. I asked them then who is XXXX XXXX XXXX. I called them and I was switched to the collection department. i asked why did they put me on the credit bureau and they said I missed a payment. I never missed a payment to XXXX XXXX  but they said I missed in XX/XX/2021 which the payments were taken out automatic each month. I called my credit card company and they said a payment was never taken out but two payments were taken out the following month. I offered to pay this account out full if they would remove the information from my credit because it was not my fault and I don't know who XXXXXXXX XXXX  is and they have report inaccurate information to the credit bureau. they said they could not remove it and they would file a dispute and get back with me. No-one from that company did not get back with me and they continued to call, email and harass me along with the other two companies.. I wrote three letters to XXXXXXXX XXXX and they have not responded to any of them. They have continued to ruin my credit reporting late payments inaccurate information and they have not prove the account is mine which is information I requested..

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 2018-04-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to get the freeze temporarily removed from Equifax. However, the freeze has been on for several years and I do not have the pin that they said they gave me when I first activated it. Now they say I must mail them Identification in order to get my pin re-sent. I am trying to do some financing and they are telling me it will be 8-10 days afetr they get the mail before they will send out my pin. This is causing a problem with my financing. The other companies have on-line ways to verify my identity but equifax told me they can not ( or will not ) do it on-line. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Cascade Creditors Service, llc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 XXXX XXXX from Cascade Creditors Service LLC in XXXX, WA contacted my husband and me about an alleged bill for {$1500.00} from XXXX XXXX of XXXX XXXX a general contractor in XXXX XXXX, from whom we requested a bid for a project but the bid was never received, and no contract was generated so was never signed. My husband spoke with XXXX XXXX and explained the situation and she seemed to understand that because no contract was signed and no work was done that we didn't owe the money. Nevertheless XXXX XXXX sent us a demand letter with {$35.00} of interest tacked on bringing the alleged debt amount to {$1600.00}, and saying the amount was already past due. On XX/XX/2022, well within the 30 days allowed, we sent a response letter via USPS certified mail to the po box mailing address provided on their envelope and on their website, but the letter went unclaimed in their po box and USPS returned the letter to us. In this letter, among other things, we requested that they provide proof that we owe this debt, copy attached. We then emailed a copy of the letter and returned envelope to them at the email address provided on their website but received no acknowledgement We then XXXX 'd the original letter to them at the physical address provided on their letter and on their website but per XXXX  they refused the XXXX  delivery so XXXX retained our letter as we had requested a signature as proof of delivery, tracking information attached. Just today, XX/XX/2022, we finally received another letter via USPS from Cascade Creditors Service LLC, apparently they HAD received our email but they never replied to the email saying it was received. They did NOT provide proof that we owe this alleged debt yet sent another bill, this time for {$1600.00}. We suspect that Cascade Creditors Service LLC is a fake debt collector as they are attempting to collect fraudulent debt and didn't comply with the simplest request of proof of debt. If they are not fake, they do not behave in an ethical manner, and are potentially breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
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:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights : 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 XXXX XXXX 15 U.S.C. 1681 section 602 A states I have the right to privacy.

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

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 2017-06-16
Company: JPMORGAN CHASE & CO.
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I signed for a VA loan for a house and purchased a home on  XXXX    XXXX . My monthly payments were {$960.00} which also covered the escrow annually. Within two years I received a letter from Chase Banks stating they are now owners of my mortgage account and they will be receiving my m onthly payments. Within months, I received a letter from Chase stating my monthly mortgage will now be {$1000.00}. I called Chase and asked why which they said because my property tax has gone up and  XXXX  was not covering the additional taxes. I called  XXXX  and they said the taxes had gone up but very little.  XXXX  also said they p aid Chase the correct amount every six mont hs and would like to set up a conference call with them to discuss any issues. The conference call was made while at the Chase Bank office and the monthly payments went back to normal. The problem occurred again within a year and my payments went up to {$990.00}. I ca lled Chase again  informing them to stop raising my mortgage payments which they said property taxes are up again then sent me letters showing the tax height. On  XXXX   XXXX , I received another letter from  Chase stating  a monthly mortgage increase of {$1000.00} will be submitted. I called them as usual with the same request. I checked my account today and discovered the mortgage payment remained the same of {$990.00}. I have a VA deductible of {$4000.00} and a {$2000.00} deductible from New Mexico with both cover property taxes and should n't be reason to raise my mortgage taxes nor my monthly taxes and the only reason they have is for their gain and unlawful greed. I want this to stop because their actions are causing lots of unnecessary stress to me and my f amily. Case has  not offered any lower interest rates under the  XXXX   Administration memorandum, they only raise mortgage rates.

Company response to consumer: Closed with explanation