BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Four months ago, I called Truist bank to request the closure of my account # XXXX and after XXXX minutes waiting and XXXX other minutes from the agent trying to keep my account open he finally gave up and told me that he was going to process my request and send me a check for the {$8.00} left positive on my balance. 

This apparently never happened and a few days ago I got a letter saying that I owed {$41.00} to the bank and on the letter they even tried to scare me saying that they may report the account closure to the reporting agencies. 

So they not only ignored my recorded call/request to close my account, but also took my {$8.00} balance and charged me fees on top of fees mounting to {$41.00}. 

This illegal and deceptive practice should be investigated and this institution penalized for acting this way.

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 monetary relief
Consumer complaint received 2021-10-02
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WE HAVE BEEN ON DO NOT CALL REGISTRY SINCE XX/XX/2003. WE CONTINUE TO RECEIVE SPAM CALLS FIVE OR SIX TIMES A DAY. PLEASE MAKE IT STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: NJ
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, 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
A JPMCB CARD ( Chase ) appears on my report for more than 150-180 past due days and they are still reporting it to the credit reporting agencies and are trying to collect interest and late fees on this account. By legal right and by the Fair Credit Reporting Act this account needs to be charge-off or delete from my credit report " WELL TO KEEP GAINING INTEREST FEES AND LATE PAYMENTS FEE THIS COMPANY IS NOT REPORTING THE ACURATE DATES TO THE CREDIT REPORTING AGENCIES ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Avant Holding Company, 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:
The company is AVANT. I disputed this AVANT account as fraud back in XXXX AVANT did remove the fraudulent account from both my XXXX and XXXX accounts. AVANT has been however reporting actively month over month as a charge off account since that time on my XXXX account. This has been affecting my reputation and credit profile negatively. I am demanding that all reporting attempts on this fraudulent account cease and desist and be immediately deleted from my XXXX and credit profiles permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: NC
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:
Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent onXX/XX/XXXX) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, INC.
State: IL
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1600.00}, {$1600.00}, {$95.00}, {$2400.00}, {$510.00}, {$760.00}, {$730.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

3. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$95.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$510.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$730.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Experian Information Solutions Inc.
State: IL
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX ( Original Creditor : XXXX XXXX ) XXXX and 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 2021-04-21
Company: EQUIFAX, INC.
State: NC
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:
Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: OH
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:
Notice for Proof of Claim Account : XXXX  ACCT # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Notice for Proof of Claim Account : XXXX  ACCT # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. 
XXXX XXXX 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 explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: NC
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:
Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration

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 2021-04-05
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have send various requests to the Mortage company I have requested a forbearance and also a modifcation. Both were not sent to the Bank and dis not get a response. I want to negociate to keep my home I have gotten no resolutions. I was provided with three resoluitons 1 ) pay up 2 ) Quick Sale 3 ) title in lieu 40 moving amount All were not properly explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2020 I was notified by XXXX XXXX that Equifax refused to give them my credit report in order to complete the refinance process on my mortgage. I also can not access my credit file, stating my information doesn't match what is on file. I was told via a customer service call to send a fax with identifying information to have a fraud alert and freeze removed. I sent the request information and followed up with a call to Equifax XXXX XXXX, the customer service agent assured me that the fraud/freeze was cleared on XX/XX/2020. conf number XXXX. As of XX/XX/2020 neither myself or XXXX funding has not been able to access my credit file. I am un able to close the refinance loan due to this awful situation. I am beyond frustrated. the loan processes sent me an email confirming that Equifax is stating that I am the customer have declared the inquiry as potentially fraudulent or misused, therefore the credit report is not available for delivery. 
Please help me get this resolved. Time is of the essence thanking you in advance email to loan processor : XXXX XXXX XXXX To : XXXX XXXX   XX/XX/XXXX at XXXX PM HELLO Thank you for this information. I will be filing a complaint with the consumer financial protection bureau requiring this matter. They have reassured me twice that there is no issue with my file. You have here evidence that there is a problem with my file. 


Meanwhile, my file is standing a a standstills and we are unable to move forward on this refinance. Frustrating! 


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Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently disputed these account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete a thorough investigation. 

As per Section 609, I am entitled to see the validation from the source of the information, which is the original contract that contains my signature to see if there is a private law of action. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) the reporting agency must verify the accuracy of the validation. 

Now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received the requested response from this company about these five unverified accounts as of today.

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 2022-08-23
Company: AMERIS BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for the XXXX Assistance XXXX program. Past due payment was sent from them in the amount of {$2400.00} on XX/XX/XXXX the forward payments begin XX/XX/XXXX. I provided the award letters to my mortgage provider and have called several times about the past due payment that they should have received and unfortunately get different answers every time. And I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW BOTH ACCOUNTS ARE FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE TWO ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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