BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a XXXX XXXX XXXX card that is indicated on the statement to have a variable interest rate and I inquired as to why the rate hadn't gone down as some of my other cards with a variable interest rate had. Even though the account is currently closed, at no point has the rate ever changed so I wanted to know why. An account manager said even though the statement shows it's variable the rate is actually fixed. Well I think that is very misleading and contrary to the information provided right in the statement.

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 2016-12-16
Company: Lamont, Hanley & Associates, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Received a call from a company called Lamont Hanley and associates at XXXX on XXXX/XXXX/2016 phone number XXXX XXXX stating i owed for a old farmers auto insurance policy that was reinstated in XXXX i never received a letter related to this info. I spoke with the rep and requested to know where was the letter stating i owed this bill because i have a bankruptcy at this time the rep requested the bankruptcy info which i replied i do n't have it with me, he then requested when he could call back and told him i dont know he then shouted pay your bill and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an account XXXX a collection account. I 've never had an individual XXXX account. XXXX has never validated this debt. I 've never seen the original credit application. I have a XXXX account however it 's joint with my wife and its current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ally Financial was contacted most recently via the XXXX  on XX/XX/XXXX requesting that my credit file be corrected. This is the second complaint filed. Ally despite ph and written communication on XX/XX/XXXX refuses to both correct my credit file and communicate with me the consumer. 
They have ignored multiple notifications that i am no longer being represented by an attorney and send all communication to my former attorney as a violation of my privacy and dependence on someone besides the creditor notifying the borrower. This means a violation of my privacy. This last unscrupulous act which has led to this complaint was a letter received by my former attorney where the document was not sent and an email saying to notify Ally financial that they no longer represent me. 

At this point I am throughly at my wits end in dealing with Ally Financial who from XX/XX/XXXX to this day has defiled my name, ignored a court judgement issued by XXXX County VA in XX/XX/XXXX, and who has reported incorrectly on my credit report. 

I seek your assistance in resolving this matter

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 2015-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed a medical bill with Transunion and I did not receive any information within 30 days. I was informed that if they did not contact me within the 30 days, then the debt should automatically be disputed. I then called Transition and they need told me that they did not send me any mail and that they then would. It has been past the initial 30 days and I feel as if they were never going to email me, until I called. The man also had me verify my identity several times, which I had no issues giving the information, and had trouble even finding my account or the initial dispute, until I provided him with the information. I feel as though I should not have to pay the bill that I had disputed because they never sent it to my insurance. I also should not have to pay more than {$500.00} out of pocket, which the bill is more than that. Overall, the initial dispute has been past the 30 day window where they should have reached back to me and should be disputed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Fifth Third Bank violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an XXXX credit card. I set up auto pay before going to boot camp in 2013. Somehow XXXX didnt receive the payment the second month. And it was reported to credit bureaus. XXXX couldnt say why it wasnt processed. They let credit bureaus know all my payment status is current and they are not reporting any late payment. XXXX and XXXX are still showing that month as late on payment. XXXX has taken it off from my credit report. I was told by the credit bureaus that info is correct about me being late but XXXX keeps teeling me that there is no late payment that they are reporting. I have done the dispute twice with these credit bureaus. Im looking to buy to a house after I get back from this XXXX in couple months and would like this to be resolved. 
Thank you for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/2021 Capital One Application ID : XXXX Incoect spelling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, DeXXXX Every month or two I get a notice of credit denial from them, saying I applied for a credit card. I have not applied. Not from Capital One or any one else. I trying to steer clear of these blood sucking, high intrest loan sharks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Equifax has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX XXXX ... It appears that Equifax changes my address at their own discretionary whim, with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors, current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner, " confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address, they never answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX Freedom Mortgage Attention : Customer Service : Subject : Loan [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ).

I am writing because : The service received from day one has been very unprofessional and subpar. Please note I closed on XX/XX/XXXX and a notary came to my home. I signed all of the required documents and thought things were completed. Freedom Mortgage didnt realize the closing had taken place and sent a second notary to my home to finalize things. Just recently I received a check from Freedom Mortgage for {$3100.00} which came from my escrow. The check was sent to me in error ( mishandling ) of funds. The removal of those funds from my escrow caused my escrow to have a negative balance at that time. Freedom Mortgage withdrew my XXXX payment for the increased amount which caused several payments to be returned as non-sufficient funds. 
Please note multiple calls as well and written communication have been made to Freedom Mortgage. Most contact results in my questions/ concerns being unanswered to my satisfaction. Ive been mistreated and my account has been mismanaged since day one. Please note Ive been passed around from one customer service person to another to no avail. Finally I was put in contact with XXXX XXXX. Mr. XXXX has tried to make sense of things. 
Please note the unprofessionalism and mismanagement of my mortgage has caused my stress level to elevate. The withdrawing of the increased mortgage payment caused me a hardship. I pride myself on maintaining a good credit profile and situation like this can cause negative information to be reported to the credit bureaus. Ive been pulled away from my work trying to resolve these matters, often the hold times are unacceptable and most calls end in no resolve. 
Please advise what can be done to compensate me for the unprofessionalism and mismanagement of my mortgage. Ive made the XXXX payment in good faith. It would be nice if XXXX payment could have been waived and my account credited for the inconvenience caused. I can be reached at : ( XXXX ) XXXX. 

I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. 
Sincerely, 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 2016-11-10
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I pulled my credit report on XXXX as apart of a monthly monitoring service that I have to help clean my credit. I noticed XXXX medical collections accounts under Amcol Systems that I was unaware of. I called Amcol immediately on XXXX at approximately XXXX. I spoke with a rep named XXXX. Upon reading the disclosure and verifying my information, she stated an address for me that did not exist. The address that she had on file for me was XXXX XXXX XXXX, XXXX, NC XXXX. I expressed to her that is not my address and that address does not exist at all. She asked for my correct address and it was given to her. During the call I paid the entire amount that was owed because it was due. I expressed to her that these XXXX colletion accounts were showing on my credit unfairly because I NEVER received the letters or invoice that these amounts were due because they had the incorrect address on file. I asked if that these accounts be removed because they reported incorrectly and under false pretenses that I received the letters and neglected to pay for my debt. XXXX stated that she would need to speak with a supervisor in order to get that approved. She called me two days later and said that XXXX accounts would be removed from file. I asked about the other XXXX as I never received letters for those as well due to the incorrect address on file. She could not answer my question. I pulled my credit today and the accounts are still showing on my credit, however XXXX accounts have been updated to a XXXX balance and the other XXXX have not ALTHOUGH ALL XXXX accounts were paid in full on XXXX. I need help in rectifying this situation before I seek an attorney. I should not have to be bullied into paying for an attorney when the collection agency is not doing their part. After they verified that they had the incorrect address on file for me, they need to do what is right and that is update my credit report correctly and have these accounts removed since I never received correspondence. I did my due diligence and paid ALL accounts in full the same day that I found out about the accounts and that was a total of {$1400.00}. Please help me in this situation. many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX XXXX acct. # 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 also states a consumer reporting agency can not furnish a 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 2021-09-29
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to AFNI, INC. requesting information on an alleged debts they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Central Portfolio Control Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have files multiple complaints about this company and how they do not do business right. XXXX does bad business, first they sent my debt to XXXX and XXXX who entered a judgement against me never served me the court papers also seized my bank account and tried garnishing my paychecks. I filed a complaint they investigated and found out they did not serve me. The judgment entered against me was set aside on XX/XX/2018, XXXX advised of this in the previous complaint response CFPB Case # : XXXX, which means its no longer valid, they can not collect or try to collect. Now I have Central Portfolio Control-CPC calling my parents house which I do not reside, and they are calling frequently. I spoke with a gentleman XX/XX/XXXX who advised me of an Active Judgment case # XXXX and they are trying collect a deb, I told him that judgment was set aside, no longer valid and he said no he shows it active, mind you I have not received and notification of this judgment becoming active again. So I called XXXX County Civil Courts this morning XX/XX/XXXX and spoke who confirmed that this judgment case # XXXX has been set aside XX/XX/2018 and is not valid. Also as of Today this specific debt was removed from my all 3 of my credit reports.

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 2015-09-28
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
this debt is on my credit report and I do n't know what this debt is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a house on XX/XX/2020 and Freedom Mortgage was the mortgage company. I put a down payment of less than 20 % down on the mortgage and they added the XXXX Mortgage XXXX ( PMI ), which is standard. After some appreciation and paying the the principal balance, this past XXXX I had an appraisal down and found my balance was over 20 % of the appraised value. I contacted Freedom Mortgage and they kept passing me around to different departments, and with different excuses so they did not have to offer me a solution, including that I had to have the PMI for 2 years ( which I didn't not see in the executed mortgage documents. I finally was told that the department that I needed to contact did not have phones to take calls!!! But they said they would send my information to that department that would get back to me. I later received a form letter saying that unless I made an improvements to the property ( which I didn't ), that I wasn't able to eliminate the PMI fee. I contacted them again 3 times and I received the same letter, until the last time I was told my account was under consideration to have the fee waived, and I would get an answer in the mail. 1-2 weeks later, I received the same form letter. 

This time, I am talking to Freedom Mortgage while typing this complaint and they are telling me there are guidelines required by Fannie Mae and XXXX XXXX saying this PMI can not be removed for 2 years. 

I feel trapped with nowhere to go. I am over XXXX and believe this may be happening to several people. I want them to do an approaisal at my expense and eliminate this " free '' money they receive.

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 2016-04-27
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/XXXX I deposited {$200.00} into my savings account with Chase bank. On XX/XX/XXXX I went into the bank to request a bank card that was never mailed to me & learned that the account had {$0.00}. I told the banker that that could not be correct because I just put money in the account on XX/XX/XXXX & was told that money was withdrawn the same day it was deposited. I did not do the withdrawals & she called to report the transactions. One transaction was a miscellaneous debit withdrawal which is done manually but the manual withdrawal slip can not be produced! Chase reversed my credit saying that the investigation shows it was correct but have yet to show me a photo of the withdrawal slip or a photo of me completing the so called correct transaction ( both occured at the Chase main branch bank so I would like to see the proof & have them explain why my credits were reversed when I did n't do the withdrawals ). I had no reason to withdraw from the account because I took out {$300.00} from another account & placed the {$200.00} into my savings account and still had over {$300.00} in my other account, I did n't need to deposit money & then immediately withdraw it, I had a {$100.00} in my pocket & more than {$300.00} in another account days after the skimming transaction occured!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My Mortgage has been paid in full since XX/XX/2022 Select Portfolio Servicing Inc. ( SPS ) legally has to complete the RELEASE OF ALL LIEN ( s ) AND SATISFACTION OF LIEN RELEASE WITHIN THIRTY ( 30 ) DAYS OF THE PROPERTY BEING PAID IN FULL!

I have waited the legal Thirty ( 30 ) days required by the State of Delaware and State of Maryland. 

I now want a full release of the lien ( s ), satisfaction of lien ( s ) release and full confirmation that my property is free and clear with the XXXX XXXX of Delaware - Recorder of Deeds office. 

This has gone on way to long and I will not wait another day to have this completed as it only takes a couple of minutes for Select Portfolio Servicing Inc. ( SPS ) to get this done with the State of Delaware and XXXX XXXX in Delaware.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello : Undersigned has still not received his stolen funds of {$20000.00} even though M & T Bank promised return on XX/XX/2022. 

Please urgently investigate and advise. 

Kind regards, XXXX

Company response to consumer: Closed with explanation