BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Receivable Solutions Specialist, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt in the amount of {$94.00} has been reported as a collection account on my credit reports since XX/XX/XXXX. The debt was a medical debt that was paid through an insurance settlement. The debt should never have been reported on my credit report as a collection debt as it was paid off by the law firm that handled my settlement. I disputed this item numerous times through the credit bureaus, but my attempts were unsuccessful. I even requested any documents to verify this debt, but never received anything from the company. Since I was able to actually obtain the documented proof of the paid debt from the law firm that handled the case, I had this item re-investigated in XX/XX/XXXX through the credit bureaus. This item still came back having been verified as a collection debt owed by me. Obviously, neither the Receivable Solution Specialist ( collection company ) or XXXX XXXX XXXX ( originator ) took the time to properly verify that this account was paid. After calling Receivable Solution Specialist and getting nowhere, I called XXXX XXXX XXXX, who originally reported the debt. They immediately realized this was an error. I spoke to them back in XXXX and they apologized and informed me the item would be removed. This item is still on my credit reports as an unpaid collection account. Had the XXXX XXXX XXXX or Receivable Solution Specialist properly checked their information, it would not have had to spend countless hours hours correcting their error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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 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 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 2015-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX, I took out a credit card loan from Banks of America. XX/XX/XXXX, I called Banks of America and paid {$8700.00} the remain of the debt. I ask that my account be close XX/XX/XXXX, I paid {$83.00} for the interest acuminated for XX/XX/XXXX. Agains, I ask that they closed my account. B.O.A assured me that they will close my account. For 10 months, that account remain inactive. In XX/XX/XXXX, someone took {$450.00} and I was not aware of. I have bank statement that I paid it all, but yet BOA sold my default loan to a collecting agency, report that I defaulted {$450.00}. Prior to this, I never have a bad credit in my record. I never have not pay a loan or debt. Why else I paid {$8700.00} and not paid {$450.00}. Please help investigate other victim as myself due to Banks of America erronoes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01
Company: Niagara Capital Recovery LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Company left a message they wanted to schedule a courier to come to my house to deliver legal documents, and I needed to be here to show id, claimed they have made other attempts to come, we have not had anyone come here and there is always someone home at my household. I called back and they asked for my social security number, claiming they had to verify who I was. I refused to give out that information and asked for their company name and address. I could not find any information on the internet or with the bbb in regards to their company. I called them back and they refused to give me any information until I confirmed the last XXXX digits of my social which they already had. I told them I was not required to disclose that without knowing who they are. They said they would not disclose any information until I confirmed my social. I told them if they want to schedule the courier I can show them my id to verify my identity, they kept claiming they could not talk to me until I confirmed my social. When I again stated until I could identify their company I was not giving that out, he restated that he would not give me any info without my confirming my social and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had a non active checking account for many years. 
It has held a {$5.00} balance as a local branch person told me to keep it open. 

XX/XX/2017 the bank assessed a dormant fee of {$10.00}. These are terms they just dreamed up I guess. Banks do n't earn money they fee people. 
I contacted via online through the onlne banking system. I told them to reverse the new made up fee and to close the account and send me the {$5.00}. 3 TIMES Reached the call center today after receiving a collection letter for their made up fee reiterated the entire story to some " Business banking specialist '' and they maintain their XXXX stance on their fee. 
Was n't this the same bank that was scamming people on forced placed insurance a while back too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-09
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I currently have all my student loans through Nelnet. They acquired them 5-6 years ago. When they initially acquired them from my previous loan holder they changed my repayment terms for my loans to 25 years with out my consent. I called them as soon as I noticed and told them I did n't authorize them to change in repayment term. They ended up setting up the loans as one set up a 10 year repayment and another set up as 15 year repayment. My payment was around XXXX a month. I have been repaying these loans for the 5 years. I have had to times when I went on 3 months of XXXX that I put the loans on forbearance for 3 months. Through this 5 year times they have tried to reset my loan repayment term to 25 years without my consent. I only notice when I call and ask what my repayment term is. Every time they supposedly tell me they put it back to the original repayment term. This just happened again and now I am being told that they can not put it back to original repayment term without my payment going up. Please help. I feel like I am being taken advantage by them and I am not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Enhanced recovery reported a collection account to the credit bureaus on behalf of XXXX XXXX. Enhanced Recovery did not have my current address. They sent collection letters tour old address. I called them today and asked them to remove the debt from my credit report because it was not fair they reported me without PROPER notification. They declined. I am willing to pay the account in full. It 's not justifiable I am being punished for their lack of proper notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lived in South Carolina XXXX years ago and had XXXX cable. I paid my final bill and then never heard another word from them. Now, XXXX years later in another state that does n't even offer XXXX, I am getting hounded to pay a debt not only that I do not owe, but they are now reporting this debt on my credit report. I do not know how to make this stop or go away, Enhanced Recovery Services seems to have a habit of buying off bad debts and trying to collect on them. Please, please, please help me resolve this so I can buy the home of my dreams!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage servicing complaint against Roundpoint Mortgage Servicing Corporation. XXXX personal complaint with CFPB about Roundpoint in two years. In each incident Roundpoint has failed to cashed mailed payments on timely basis. I strongly suggest the regulating agency that is responsible for conducting audits pay a visit to Roundpoint. Roundpoint failed to return phone call " immediately '' as their voice response system stated. 5 days latter I phoned Roundpoint and waited 1/2 hr. on hold to speak with customer service rep in XXXX TX. Rep. informed me Roundpoint had not received payment and late charge was automatically charged. Rep. offered to take a courtesy ACH payment over the phone, I agreed. I shared past experience with XXXX the personal check that was not received was then cashed on the same day as the day the courtesy ACH payment was made. Rep. did look at my payment history and decided to waive late fee. Seriously this does n't pass the smell test, something potentially bigger then lack of execution between the lockbox services they have outsourced with XXXX and Roundpoints internal IT is happening. The leadership is either aware of the problem or they need to be made aware of the problem or they do n't care, could be the culture of the organization. XXXX XXXX had a saying, its ok to make a mistake because we can all learn from our mistakes but if you commit the same mistake twice your doomed to fail.

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 2015-08-20
Company: TCF NATIONAL BANK
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
This is a new complaint about TCF Bank. Piggy backing complaint XXXX. 
As most of the issues from the above complaint have been resolved after about XXXX months of XXXX from TCF Bank, we have repeatedly asked TCF Bank to send corrected statements for this XXXX mortgage account with an amount due and due date. This has not been completed yet and we have spoke to many TCF people. We paid our XXXX XXXX mortgage payment and the clerk said she would send an updated statement XXXX days ago and still no statement. We have asked XXXX in TCF call center in Colorado, XXXX XXXX VP in XXXX TCF, as well as another call to the normal XXXX that we make our payments to and have not received the requested hard copy of our statement.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-26
Company: JPMORGAN CHASE & CO.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
CHASE AUTO RUN MY CREDIT WITHOUT MY CONSENT AND MADE XXXX HARD INQUIRES ON M CREDIT REPORTS DATED XX/XX/XXXX AND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was given a pre-approval and the green light to start looking for a home with Suntrust around XXXX XXXX 2015. Made an offer on a home on XXXX XXXX and the process " started ''. Was given the closing date of XXXX XXXX 2015. Went through all the inspections and the whole XXXX to get this home. My seller is/was starting their process to move and find a hime out of state. On XXXX XXXX I got an email ( not even enough respect for a phone call ) stating that I would not be closing on XX/XX/XXXX. Once I make a few phone calls to figure out why, I find out that my loan officer and the processor forgot about me and never even sent me to underwriting. After my sellers agreed to an extention, and Suntrust " doing everything they can '' I find out on the XXXX of XXXX that I was denied. Reason was because of my self-employment relocation. This is something I told Suntrust the very first day I walked in to get pre-approved. I find out after this, that this is something that was known the whole time that I would never have been able to get a loan through them and was just strung along through the whole process, so they could " exhaust every resource ''. It 's a shame that such a large bank and a loan officer that holds the position of VP of the mortgage dept. here locally, can lie to someone and put a huge burden on them while trying to make a major life decision and change. I have been XXXX miles away from my wife and XXXX young children during this whole thing and am now XXXX as I already sold my home in Florida. I must now scramble to find a home to rent as my seller will not sign another extension. All due to Suntrust not doing their job. They have agreed to refund me any money that I have paid out of pocket for inspections, appraisal, etc - and to me, just shows that they know they are guilty in the situation as they are not obtained to do so ( because I should have never made it past his desk in XX/XX/XXXX with a pre-approval letter ). I feel Suntrust should make it right with a customer that they have had for over XXXX years and see that I have the credit, cash, payment history, and income to support a loan from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My account was closed without my consent. I was told that I was unable to use my debit card when trying to make a purchase. When I spoke with the customer service representative, she stated that Chase Bank is terminating services with me forever and my account would be closed in 10 days and that I needed to remove all funds from my account. I was not sent any written form of communication informing me of this decision. 3 weeks after I was informed of this information, my account was still opened and I had not received any written letter informing me of Chase 's decision. On XXXX XXXX, 2015 my account was overdrawn because of a transaction I disputed from XXXX in the amount of {$180.00}. Chase Bank made the decision that my dispute was not approved. I provided the confirmation number and itinerary number to Chase Bank and was still denied my dispute. On XXXX XXXX, 2015 there was a overdraft fee of {$15.00} charged to my account even though I was informed by the customer service rep to take all of my remaining funds out of my account. To this day I was never sent any written information informing me of Chase 's decision to discontinue services with me and why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ftc violations attached and listed that did not have room on the FTC report {$440.00} Open balance XXXX XXXX XXXX XXXX  Original creditor ftc violations

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 2020-05-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a XXXX flight using Chase Ultimate Rewards points. The flight was cancelled due to COVID-19, and I should get a refund according to Department of Transportation Enforcement Notice ( https : //www.transportation.gov/briefing-room/us-department-transportation-issues-enforcement-notice-clarifying-air-carrier-refund  ). However, Chase refused to issue refunds, citing the airline policy, and ignored DoT ruling. In addition, Chase refused to start a dispute or chargeback on my behalf, stating it was a point transaction and there was no way to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Last reported XX/XX/2021 {$1600.00} Open balance 11 XXXX  Original creditor

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I submitted documentation showing that the documentation from XXXX could not verify XXXX and update and correct my credit report and they did not. 

The certified mail was sent on XX/XX/XXXX and received on XX/XX/XXXX to date correction has not been made by Transunion and 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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$1300.00} XXXX XXXX  XXXX  XXXX {$2300.00} XXXX   XXXX  XXXX {$0.00}

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 2021-09-27
Company: Experian Information Solutions Inc.
State: NJ
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:
My Experian XXXX XXXX credit report shows an outstanding late payment that hurts my credit score. However, every creditor on that credit report, both open and closed accounts, show that I have an " Exceptional Payment History. '' Experian will address late-payment reports only if I tell them which creditor to bother. In this case, there is no report. Their telephone agents merely say they can't help me. I am frustrated because I have paid nothing late for more than ten years, and do not deserve this negative mark.

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