BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-21
Company: Fidelity National Information Services, Inc. (FNIS)
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 am a victim of identity theft. I dont have any bank accounts and Ive been out of the country for years. The only car loan Ive ever had was from XXXX. THE ONLY ADDRESS IVE EVER HAD WAS XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX. The only company I have ever worked for and are presently working for is XXXX XXXX. The only telephone number I have is XXXX. Its been over two months and each company is in violation of my rights. If what I requested is not removed I will take matters up in a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. 

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX/XXXX/XXXX I tried to sign up with XXXX XXXX and found out transition had a security freeze on my account. Spoke to 3 people who would not tell me why but was told I would get a call this morning at XXXX XXXX, a time I requested. I was not called back. Spoke to XXXX in their US based specialized fraud team this morning. She said that a freeze was placed on me on XXXX/XXXX/XXXX. She said due to the XXXX issue the transunion system was overwhelmed and that when someone requested a freeze their system is freezing everyone with the same name. I asked what they were doing about it. She said they are going thru their system and seeing who should n't have been frozen. I asked how they would know which XXXX XXXX requested it and which did n't. She was unable to answer my question. The first person I spoke to yesterday told me since I had not request ed the freeze it may have been a family member. I find it very troubling that some one other then myself would be able to request a freeze on my account. Their own website says if I have a freeze I am mailed a letter with a freeze pin number. Guess their system mailed it to the wrong XXXX XXXX since I was never notified. I requested compensation for my time and inconvenience but was denied

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 2023-03-30
Company: EQUIFAX, 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 # XXXX XXXX. XXXX  -- Account # XXXX XXXX. XXXX XXXX -- Account # XXXX XXXX. XXXX XXXX XXXX XXXX -- Account # XXXX XXXX. XXXX -- Account # XXXX XXXX. XXXXXXXX XXXX XXXX -- Account # XXXX XXXXXXXX XXXX XXXX -- Account # XXXX XXXX XXXX. XXXX XXXX -- Account # XXXX XXXX. XXXX XXXX XXXX -- Account # XXXX XXXX. XXXX -- Account # XXXX XXXX. XXXX XXXX -- Account # XXXX XXXXXXXX XXXX -- Account # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage switched mortgage servicers. Previously I had your standard mortgage due on the first of the month with the 15 day grace period which wasn't great but doable with my income schedule. Now that the mortgage servicer has switched ; they charge me to make a payment online on their website. So, I went from always being current on my mortgage to always being charged fees on a monthly basis. I never would have agreed to a mortgage with such terms and I had/have no control over my mortgage being sold to a different servicer that implements such terms. This is creating unnecessary financial hardship for me as I have two mortgages that were sold to this servicer.

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 2018-12-25
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
It appears that Discover card employees have retaliated once again due to my past CFPB complaints and have refused to close and purge my Discover account. On XX/XX/18 XXXX XXXX  I called to cancel my Discover after never resolving issues on my account and getting incompetent lip service from corporate employees. XX/XX/18 XXXX XXXX XXXX in XXXX claimed my account was closed and was clueless when the account would be purged. I finally dig deeper and found that Discover employees had entered incorrect information into my account to further delay closing the account and perhaps damage my credit rating. Here '' s what is entered on my account center : " You've previously initiated a credit bureau fraud alert on this account. If you'd like to make an update to your account, '' Let us make sure we all understand the English language fully and clearly ... I wanted my card cancelled and my account closed. Discover employees refused!!!!!!!!!!!!!!!!! I can only conclude that this is Discover Card 's way of retaliating for my prior CFPB complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged a full amount of ( {$1100.00} ) by a rental car agency falsely claiming that it is a hold/security deposit on my card due to a minor scratch found upon return inspection on the front bumper of the rented car. 

The hold/security deposit was described as necessary to allow the car rental agency to get an estimate for the repair and provide backup documentation to myself and insurance company. since then there has been NO communication or evidence provided by the rental agency to myself and insurance company despite efforts by myself and insurance agent ( attached emails ) to contact the rental agency. 

This was disputed with Capital One and despite providing all the documentation and the rental car agency being unresponsive to Capital One, Myself and insurance company during the 90 day investigation period, Capital One proceeded to put the full charge back on my account. after speaking with Capital One representatives, they were unwilling to correct this mistake and charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against XXXX  and deceptive debt collection practices, and I have been XXXX and deceived by National Credit Adjusters , LLC. National Credit Adjusters , LLC has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of National Credit Adjusters , LLC. They received it certified mail and signed off at XXXX XXXX on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage off
with Ditech on XX/XX/XXXX. The excess escrow amount was XXXX. and they said that amount was mailed out and check cut XX/XX/XXXX. I have called 3 times asking where the check is and i am told " in the mail '' and I also called to see if it was cashed, maybe stolen and they said no. They told me that I had to wait 30 days before I could call and have another check issued. I think that they are holding my money to earn more interest on it.
Account number is XXXX name is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got a loan for a new car from Bank of America. The first statement did not include the rate of the loan and the the maturity date of the loan. I think this is a deceptive practice design to trick less sophisticated borrowers.

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 2019-11-21
Company: ID Analytics, 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 am a victim of identity theft. I dont have any bank accounts and Ive been out of the country for years. The only car loan Ive ever had was from XXXX. THE ONLY ADDRESS IVE EVER HAD WAS XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX. The only company I have ever worked for and are presently working for is XXXX XXXX. The only telephone number I have is XXXX. Its been over two months and each company is in violation of my rights. If what I requested is not removed I will take matters up in a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My house was f
looded due Hurricane Harvey. I do have flood insurance and went through all the proper channels in filing a timely claim with XXXX. The house has been inspected by XXXX and they have sent a check for insurance proceeds co-endorsed to myself and the mortgage company who is PNC Mortgage.
I have filed all requisite paperwork with PNC Mortgage multiple times, every time I call them I get a new request for paperwork that has already been submitted multiple times. Regardless, PNC is refusing to release any funds until 100 % of the work is finished.
XXXX and PNC Mortgage in mid XXXXXXXXX told me to find a contractor and get an estimate and sign the contract with my chosen contractor and begin the rebuild of the house. I did just that and the contractor required some upfront costs as well as payment for work done such as sheetrock, paint, doors, trim all construction costs incurred to date.
PNC originally told me that insurance proceeds would be paid out in third inciments meaning 1/3 up front, 1/3 when the house is 50 % finished and then 1/3 when the house is 100 % finished. PNC is refusing to honor this and has yet to pay anything except a {$5000.00} advance from XXXX.
PNC is currently holding {$76000.00} of insurance proceeds. To date, I am {$69000.00} out of pocket because PNC told me that payment would follow the above installment plan. My house will not be to 100 % complete until XX/XX/XXXX backorder of workers who are to install tile and flooring. 2 months with {$0.00} will literally bankrupt me because some of the work that was completed is on credit cards.
PNC asked me to submit all invoices and checks that prove that I have paid out of pocket which I did, and continue to do as I incur costs.
I feel completely taken advantage of and steam rolled by PNC Mortgage. They have been so terrible to work with from not giving me clear instructions, to misleading payment timelines to outright lies and untruths of how they will deal with the insurance proceeds once they have received a check from insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: AL
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, 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 an account without my written instructions. 15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-10-20
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My teenage daughter received a phone call on her cell phone from Chrysler Capital looking for an old neighbor that moved a year ago. 

I find it appalling that someone with Chrysler Capital thought it would be okay to do this. 

An employee of Chrysler Capital had to go online and look for a name or address of an old neighbor to the debtor in an attempt to track him down. They anticipated an old neighbor ( me ) will let him know about the call in an attempt to shame him into taking care of his debt. 

I will not do Chrysler Capital 's job for them. They should be stopped from using tactics like this on others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 )  and the clients right to counsel. The lender has also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: William D. Meeker Enterprises, Inc.
State: GA
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 have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CBC Companies, Inc.
State: GA
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 have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had a Chase XXXX card with a limit of {$15000.00}. I was on vacation and without notice, Chase lowered my limit to {$11000.00}, about {$500.00} over my current balance. This was my primary credit card and only credit card I took on vacation with me other than my corporate credit card. I immediately contacted Chase through their secure messaging on XX/XX/XXXX about this. They responded and said they needed updated income information and employment information which I provided. I did not hear anything back by XX/XX/XXXX and requested an update. Again, I was still on vacation and this was my only credit card. Their response was that it was forwarded to the appropriate area. Receive a response on XXXX and they said I would need to call them and reapply for the credit limit. I said " no, I want the credit limit reinstated as I was on vacation and needed this card. '' They just kept responding with the same automated message. I told them to go ahead and just close the card and explained that I believe their practices are manipulative as they provide a card with a limit and rate based on people 's credit hoping that people use the card and that it becomes their " top of wallet '' credit card. They then unprovoked, reduce the credit line with no notice. This now impacts the cardholder 's credit score as it increases their revolving debt compared to open credit availability. They then make their lending decisions and assign rates to these cardholders based on this. If I would have reapplied for the card, they would have potentially increased my rate because of the move THEY made. They are manipulating the system to their own benefit. Charging me an interest rate based on risk, getting me to use the card, and then once used, revoke the card without having the opportunity for me to choose another card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, Included in this complaint are two escrow statements I have received from XXXX XXXX XXXX. Although taken from consecutive months, there is clearly a discrepancy of {$1100.00}. 

There may be a reasonable response to this, however, I have been unable to receive any response on this matter from XXXX XXXX. I first contacted them about it on XXXX XXXX ( through e-mail ). I have sent them multiple e-mail requests since then but have received no response concerning the discrepancy. I have, however received one " read receipt '' from an e-mail I sent on XXXX XXXX indicating that the e-mail was read on XXXX XXXX. Despite requesting read receipts on previous e-mails, I received no indication that any of my other requests ( before or after ) concerning this matter were even read. 

Thank you for your assistance in this matter. 

XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation