BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX account # XXXX has violate my rights 15.U.S.C 1681 section 602 A. states i have the rights to privecy 15 U.S.C 1681 section 604 A section 2 it 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 explanation
Consumer complaint received 2015-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In an effort to rapidly repay the HELOC, I sent Capital One XXXX several XXXX dollars over and above the monthly interest payment. On XXXX occasions in the last 12 months, Cap One applied the payment to " this '' month 's interest, and to " next '' month 's interest. In XXXX cases, they mistakenly credited my account with a couple dollars less interest and applied the rest to principle, then filed a 30-day late payment notice with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Pursuant to 15 USC 1602 ( p ), American Express has exercised unauthorized use of my open end credit account, and restricted spending on my open end credit account without my consent to decrease and restrict my limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hi XXXX XXXX is reporting inaccurate information on my credit reports. I've contacted the company about this error and have been unsuccessful with them responding. by verifying the account balance as accurate. The account was also charge off and the creditor was paid. The creditor also resold the motorcycle and the balance is XXXX $ but s currently reporting {$11000.00}

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 explanation
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 FRAUDELENT ACCOUNTS THAT DOESNT BELONG TO ME.

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 2020-05-01
Company: Poser Investments, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Poser Investments-2nd mortgage collection agency is forcing to foreclose on our home during Nat'l Disaster from covid. Poser refused to cooperate with Short-Sale. Poser is pushing my family to become homeless in the midst of National disaster from covid by putting an Auction Sale date of XX/XX/2020 on our home.Poser refuses to cooperate with XXXX XXXX-our 1st mortgage lender, to do Short-Sale, we have a buyer ready to purchase. We fell behind with mortgage payments because of multiple XXXX from XXXX and loss of income from reduced hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, account number XXXX. XXXX XXXX {$1900.00} Closed Unverified. 
XXXX, XXXX Account number XXXX. XXXX XXXX {$4400.00} Closed Unverified. XXXX XXXX, Account number XXXX {$430.00} Closed UnverifiedXXXX  XXXX Account number XXXX {$370.00} Unverified U.S. Dept of Education Account number XXXX {$1700.00} Never attended that XXXX  Unverified XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Unverified XXXX XXXX XXXX Unverified XXXX XXXX XXXX Unverified In accordance with the fair credit Reporting act XXXXAccount # 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 cunsumer 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 2018-10-03
Company: LEXISNEXIS
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am filing this complaint because after reviewing my credit report, I am writing to dispute the following bankruptcy and the accounts included. I informed XXXX, XXXX, and XXXX, and Lexis Nexis that  furnishers must include consumer identifiers to include proper name, date of birth, social security number, telephone number and address. Also ( see attached ) Lexis Nexis and XXXX  is reporting an incorrect social security number of my full file disclosure report. I would also like to know if you held the furnishers of the accounts below accountable to FCRA law, and if so what procedures were used to determine the accuracy and completeness of the disputed information? 
Please provide me the following information for accounts listed below : The name of the person at the credit reporting agency who verified the dispute with the original creditor The documentation that was used to verify the dispute These include : XXXX XXXX Partial and inaccurate account # XXXX ... showing discharged in bankruptcy XXXX XXXX Partial and inaccurate account # XXXX ... Both of these accounts are showing twice with XXXX with two incorrect account balances {$4500.00} and {$3900.00} Invalid Furnisher showing discharged in bankruptcy XXXX XXXX XXXX Showing four incorrect high balances {$5700.00} and {$2900.00}, {$1500.00}, {$3900.00} XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' ( reporting four times ) Incorrect balances {$760.00} {$1100.00} {$300.00} {$970.00} XXXX XXXX Invalid account number # XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing has failed to answer issues regarding charges and fees shown on monthly mortgage statements. 

My Question on XX/XX/2020 : Why does my monthly statement show PAST UNPAID AMOUNT {$540.00}? Shellpoint Response on XX/XX/XXXX : Your XX/XX/2020 statement should reflect an update. 

As of today XXXX, the XX/XX/2020 statement attached shows PAST UNPAID AMOUNT {$540.00} ( No Update ), and XX/XX/2020 statement shows OVERDUE PAYMENT {$660.00} ( Increased ). Why and What For?? 

Shellpoint Response Statement on XX/XX/2020 : Shellpoint did not receive payment for XX/XX/2020, until XX/XX/2020, implying XX/XX/2020 was never received. 

My Question : Why wasnt the payment received on XX/XX/2020, applied to the account? Proof of payment received by Shellpoint but not properly credited to my loan account. 

Also, the XX/XX/2020 statement shows a XX/XX/2020 Attorney Cost Payment of {$88.00}? There are no arrearages owed on this account for Principal or Interest payments. Shellpoint Representative, XXXX XXXX ( Compliance Department ) stated on XX/XX/2020 letter, their records indicate that the attorney fees have been paid, so the current attorney fee balance is {$0.00} and there are no current arrearages. There are still ongoing discrepancies and improper handling of my loan account that needs to be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There was a promotion online that stated that if I deposited {$50000.00}, I would receive a {$700.00} Bonus. I clicked the link of the promotion to open my Citibank account on XX/XX/2021 with an opening balance of over {$50000.00}. I have kept the balance over {$50000.00} ever since. To date, I still have not received my {$700.00} bonus for completing the required activities. I would like to receive my {$700.00} bonus immediately. 
Thank you 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 2020-03-03
Company: TRUIST FINANCIAL CORPORATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I tried to open a personal checking account online and they took my money ... BBT said the transfer didnt go thru ... but i check my debit card transfers and it show that it was deducted from my balance..

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 2022-07-08
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, XXXX XXXX XXXX account number ( XXXX ) XXXX XXXX, account number ( 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 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHHOUT 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 explanation
Consumer complaint received 2022-02-26
Company: EQUIFAX, 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:
I have innacurate personal information on my credit report. Names, addresses and date of birth is incorrect. I solely go by given name. This is a ongoing situation that I have tried to dispute more than twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items 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
Consumer complaint received 2017-03-23
Company: French Financial, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My personal loan went to collections. The collection agency ( Popular Finance Services ) has been harassing me for payment. I am XXXX and can not work or afford to send them any payments. The total amount they are attempting to collect is {$790.00}. Their harassing collection behaviors include : 1. Coming to my house repeatedly, even after I asked them to stop coming. When I ask them to leave they refuse. 
2. They shout, they say hurtful and mean things to me. 
3. They laugh at me. 
4. They asked my son, who happened to be with me at the time, to pay the debt for me. They told him he was a bad son for not trying to help me with my bills. 
5. They told my daughter over the phone that she needed to pay the debt for me. 
6. They call me in excess of 3 times each day, but often they call from different numbers each time so I can not block them. 
7. They frequently call me after XXXX. 
8. They argue and badger me over the phone and in person, and do the same to my family, to pressure us to pay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: JPMORGAN CHASE & CO.
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 am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, JPMCB CARD XXXX Date Opened : XX/XX/2014 Balance : {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
Company: EQUIFAX, INC.
State: MI
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:
N accordance with the fair credit reporting act XXXX  Account # XXXX, and account # 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 Sections 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: OH
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 # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/202, I sent a letter to Equifax regarding inaccurate and unknown things on my credit report. It's been more than 30 days and I still have not received a response. I feel as if I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my report. it's been over 60 days so those items should be deleted promptly. I demand that these items be deleted immediately, or I will file for litigation due to stress you have caused. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: General Motors Financial Company, Inc.
State: OK
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:
Family Member obtained loans fraudulently, has subsequently been prosecuted and is serving a  XXXX  term  for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX XXXX with NCB management has called my place of employment where these calls are not allowed three times so far this month of XXXX 2016! He has been told repeatedly I can not take calls even repeating back that I said that three times already but continued to call me again today! He and his company are violating my rights and making my work stressful please do something about this! His number is XXXX XXXX XXXX XXXX ext XXXX thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: EQUIFAX, INC.
State: PA
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:
My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debt Account Name : XXXX XXXX XXXX  Account was opened : XXXX Account Number : XXXX Account Balance : {$140.00} Account Name : XXXX XXXXXXXX XXXX Account was opened : XXXX Account Number : XXXX Account Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: U.S. BANCORP
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have {$1500.00} in XXXX gift cards. I added a few of them to my XXXX account and to my XXXX account. When I try to pay using either of these applications using the XXXX gift card as the funding source the transaction is declined. I contacted XXXX by calling ( XXXX ) XXXX. I was told that they do not allow their gift cards to be used on these applications for purchases. I use gift cards due to safety reasons and I find this companies restrictions unacceptable. How can they pick and choose what online purchases will be accepted. These are from U.S. Bank. Inside of the package is a cardholder agreement that says nothing about restrictions for these applications. I have the receipts where I purchased these cards from XXXX XXXX of course there are no refunds on them.

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 2022-02-26
Company: Bridgecrest Acceptance Corporation
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XX/XX/XXXX I lost my job due to Covid. I made payments still until things got a little harder to manage. Ive been paying on my car for almost 4 years without no problems until Covid. By XX/XX/XXXX after XXXX my car was repossessed because I was 3 months late on payments. I paid for my car back. I was hoping they would understand the financial struggle people are having. Instead they closed my account. In which I had already paid off the bank loan but now Im just paying off what left for the vehicle its self. They dont honor their customers. They definitely should be reporting to the XXXX XXXX XXXX. I dont like the report that was left on my credit report from Bridgecrest XXXX The account shouldnt be closed because Im still paying them and Im in possession of the car which is a XXXX XXXX XXXX. Plus Ive paid nearly 75 % percent of the loan off. Unfair.

Company response to consumer: Closed with explanation