BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
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: Personal information incorrect

Complaint:
XXXX, XXXX XXXX, XXXX on XX/XX/ violated my 609 rights by reporting incorrect information to XXXX, XXXX, and Experian, regarding my credit file. The following Credit Bureaus further violated my rights by adding this incorrect information to my credit profile for others to see. 

The above Buisnesses, along with others reporting to the following companies XXXX, XXXX Experian, that i applied for credit in which is inaccurate. 

They have violated my rights to have fair information on my credit report. 

My personal information on my credit report is inaccurate as well, i have requested to have my addresses, phone numbers and names, corrected on my report this an violation of my consumer protection rights.

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 2015-05-27
Company: Recovery One, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
this was from XXXX which was a part of my XXXX bill. they 're stating that when i moved even though the service remained in my name and i still have aep they were not able to collect the amount from me. this information is erroneous.XXXX continued to bill me for my electricity but unforunately XXXX did want to remain my energy provider once i moved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've sent the following to all credit bureaus A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.

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 2022-02-24
Company: CBC Companies, 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:
lost my wallet in a truck stop time after that account started appearing up on my credit report reach out to the XXXX  letting them know that there wasn't mines but it didn't do any good

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am grateful for the efforts the Credit Bureaus have done with my Credit Reports. I value the Credit Bureaus ' help to REMOVE a portion of the data on my credit file that came about because of a FRAUD yet I have Accounts and information left that should also be taken out or removed. Per FCRA section 605b, the Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # 149836723. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Under the provisions of the FCRA section 605b, I am in need for the removal of the following fraudulent items completely from my Credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On today XX/XX/XXXX @ between XXXX pm I contact IQ Data International Inc address is XXXX XXXX XXXX XXXX Washington XXXX XXXX. I spoke with a XXXX, then a representative named XXXX, he was very rude and in good faith I attempting to contact IQ data settle a debt of {$950.00} with XXXX XXXX XXXX that was owed back in XXXX. I advised XXXX that I could not pay {$880.00} or {$990.00} in full on XX/XX/XXXX. I explained that my fiance ' made several attempts early summer of XXXX and before then to resolve the debt owed. The representatives were very unprofessional and when I addressed him of speaking spoke over me as I am the customer the statement was " you are not a customer '' in a very disrespectful tone ( and a bit of racists ) as well. Upon speaking with XXXX the operations XXXX, she was worse. She stated that I had an attitude because I requested a lower settlement payment than the first offer of {$880.00} and second offer {$990.00} in which the payment was expected to be paid on XX/XX/XXXX. XXXX continued to speak over me ( talking at me ) and she placed me on hold ( no profanity was being used ) and she made another statement about me " reading the letter '' in a very unprofessional and could come off as being a bit XXXX. The end result was after I paid {$240.00} on XX/XX/XXXX, XXXX the Operations XXXX would not allow for me to pay the balance of {$640.00} dollars in 30 days in XX/XX/XXXX between my fiance and I, she wanted {$640.00} in full before the call ended, and she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I discovered on XX/XX/2016, during a review of my FICO score, I had been placed in collection on XX/XX/2016 for a debt/account I have no knowledge of. Apparently, a debt collector by the name of Midwest Recovery Systems is attempting to collect on a fraudulently obtained payday loan. The loan, in the amount of {$720.00}, must have been obtained from XXXX XXXX XXXX through identity theft. I have never had any dealings with XXXX XXXX XXXX or Midwest Recovery Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I financed a home with an FHA mortgage in XXXX, XXXX, which was then sold to Freedom Mortgage. Because interest rates dropped, I refinanced the loan in XXXX, XXXX on a streamline refi. The title company, mortgage broker, and I all tried to obtain a payoff for the end of XXXX, but were unsuccessful until XXXX XXXX, which meant that the loan could not possibly close by XXXX XXXX. During this time, Freedom called me to see if I would consider refinancing with them instead of my current broker. I declined but they still did not provide the payoff until XXXX XXXX, which was good only until XXXX XXXX. After approximately 10 days, I called Freedom to see when I would receive the refund of my escrow account. I was told that it took three weeks because they had to determine if charges were pending against my account. I asked them what would be pending, and after looking at the account, they told me there were no pending items and I should receive the balance of my account ( est. {$2400.00} ) in approximately two weeks. I received a check from Freedom but for {$1400.00}. I called several times to get an explanation from Freedom but was told it was all mortgage insurance premium ( MIP ). Finally, the last representative told me that {$290.00} was MIP, and the remainder was a full month 's interest that they were required to charge on FHA loans since the loan did n't close by the end of XXXX. First, I do n't know how there could be additional MIP when I was told earlier that there were no pending charges on the account. Second, the FHA rules changed for all loans originating after XXXX XXXX, XXXX to require interest only to the date of closing, not for the full month. When I told the Freedom representative that, he said their training requires a full month, and that my mortgage broker and I were both wrong. They have not refunded the additional {$1000.00} due to me. 
Based on the responses I received from Freedom, I believe that this is a systematic effort on their part to overcharge consumers for MIP and interest not due to them. I believe that if you investigate all FHA mortgages owned by Freedom that originated after XXXX XXXX, XXXX that were refinanced, you will find that they have systematically overcharged consumers for both MIP and interest, and that they have deliberately delayed provision of payoff amounts to maximize the interest retained by Freedom.

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 2022-02-24
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BANCO POPULAR DE PUERTO RICO
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The annual fee of {$140.00} hit on my account on XX/XX/21, I tried to call them to close the account to avoid the fee the same day, and they closed the account but refused to refund the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Avant Credit Corporation
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
After having to retire early for my health, my husband and I had to take out a loan from AVANT to make it while I 'm waiting on SSA. Since we planned on paying it off it large payments we chose a loan company that advertised " no pre payment penalty ''. AVANT neglected to tell us that it must be done in XXXX lump sum. I paid {$2800.00} in the past month and only {$380.00} went to the principle. Apparently AVANT does tell you, just not in terms a lay person understands. I SPECIFICALLY asked if I could pay the loan in large payment to avoid the interest. AVANT completely reassured me I had no worries. To date we have paid about {$10000.00} on a {$20000.00} loan and our buy out from AVANT is just under {$18000.00}!! And unless I get a lump sum from somewhere else there is n't anything I can do. I asked AVANT the right questions, AVANT purposefully answered in half truths. I totally feel lied to, mislead, and scammed. Is this predatory lending? Is this legal? Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently check my credit report and noticed a fraudulent account has been opened by capital one card under my name. I contacted capital one and they said they will close the account and remove the fraudulent account from my credit report which they have not done so at all. This is very frustrating because they are trying to collect a debt that is not mine and is a result of fraud. I am demanding that they close this account and remove it from all 3 ( XXXX XXXX XXXX ) of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern. 

My father passed away in XX/XX/XXXX. I purchased his home from the Estate. He had a Mortgage with XXXX XXXX Bank. I was able to assume the mortgage and have it placed in my name. He also Had a home equity loan with Fifth Third Bank. Fifth Third Bank refuses to place that loan in my name, but if I refuse to pay the loan they threaten to place a lien on my home. I bought the home because it was modified for my father who was XXXX. I to am XXXX, so the home was easier for me to manage. I feel that Fifth Third Bank is blackmailing me. I have asked them to place the loan in my name, but they refuse. So in turn ; I have been paying on a dead man 's loan for almost a year now. I feel this is wrong. Either place to loan in my name or dismiss it. 

Any advice would be appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
This is the second time CHASE BANK has " inexplicably '' suspended the line of credit I have on my home. ( " INEXPLICABLY '' WAS THE ACTUAL WORD USED BY CFPB IN SOLVING THIS ISSUE WITH CHASE BANK THE FIRST TIME. When I read the suspension notice on the 2nd page of my monthly loan statement I called the XXXX number as instructed by the bank. I spoke with " XXXX '' ( XX/XX/22 ) as he explained all home equity lines of credit had been suspended since the covid pandemic. After I asked why, until recently, I had been able to use the line without issue. I asked why, until recently, I had received " cash available for use '' in the monthly statement. XXXX hung up. The conversation was recorded. I then went to the XXXX XXXX, Ca. branch of Chase bank and found " no banker available ''. I talked with a teller who said tellers have limited knowledge of lines of credit and no use to wait as banker had appointments throughout to day. XXXX explained Chase was trying to suspend all lines of credit. Also in a separate complaint, I have been charged late payments even though I pay XXXX to XXXX to principal MONTHLY on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I requested from all three bureaus that the information on my credit report was passed the California statute of limitations on collectable debt. I asked all three bureaus to remove these items if they could not be validated by the Original creditor in writing that I had signed a contract. None of them could provide this but did not remove from my report. They said debt was validated but supplied no proof.

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent dispute letters to XXXX  XXXX XXXX. They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ), 15 U.S. 1681a ( 2 ) ( B ) and 15 U.S. 1681b ( a ) ( 2 ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the Gramm Leach Bliley Act ( 15 U.S. 1681a ( 2 ) ( A ) ( III ). VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ). XXXX XXXX XXXXXXXX is not reporting accurate information. On my Transunion credit report, there is an " X '' placed on dates XX/XX/XXXX and XX/XX/XXXX where the data is unknown. I have supplied the Rating Key for Transunion. If the data is unknown, this is not 100 % ACCURATE! That is a violation of 15 U.S. 1681e ( b ). XXXX  XXXX is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of 15 U.S. 1692J. Pursuant to 15 U.S. XXXX, XXXX  XXXX must comply to any provisions to make my credit report compliant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was recently released from bankruptcy and my attorney said TD Bank never responded within the 21 day limit. I have been on time with payments and have not missed any. Since XX/XX/2022 TD Bank has not applied my payments to my account even though they have the money. I called several times and was told they would apply the payments. They have not. I have hired an attorney to have them apply my payments and he has not heard back from them. I've done everything I can to have them apply the payments. The money has been taken from from checking account and you can clearly see on statements I have been paying my mortgage on time. They are threatening foreclosure. This is not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-06
Company: National Check Resolution Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX called XXXX times and said he was going to come to my place of work or home to serve me court papers if I did n't call XXXX. I called the number got no answer the next day a block number called me saying he was XXXX XXXX from NCR. I called the number back a lady answered but only said hello no company name or anything, she seemed nervous. XXXX XXXX got on the phone and said he was trying to collect XXXX for XXXX XXXX. He asked why I stopped paying and I said I was on-the-go hospital. He said he would talk to his lawyers to stop any legal action if I paid the bill. I told him I did n't have the money I was behind on things told me to give him a credit card, debit card or prepaid card, no checks to pay the XXXX then set up payment of XXXX every 2 weeks. I asked him for documention and why I never received anything. I have him my email on Thursday XXXX XXXX, he told me his Secretary would send me something and as of XXXX XXXX on XXXX XXXX I still have not received anything. He is supposed to call back on Monday XXXX XXXX to get payment or serve me with court papers. I feel this is a scam and do n't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: KEYCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Key bank opened a checking account on XX/XX/22 with a {$50.00} deposit on my credit card. The next day Key Bank removed my access to the account stating that I need to visit a bank branch in person to regain access to my account. The nearest Key Bank branch is over XXXX miles from my house and I have no method to visit a branch in person. If there were account security concerns the bank should have told me before opening the account. 

I asked the bank to close my account and refund my {$50.00} credit card charge. The account was opened less than XXXX before I encountered the problem. Key Bank refused to close the account unless I visited a bank branch and said I would incur an early account closure fee. The Customer Support Manager I talked to on the phone, XXXX, hung up on me when I asked how to spell her name for this complaint.

Company response to consumer: Closed with monetary relief