BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep frustration and disappointment regarding the multiple unsuccessful attempts I have made to correct a late open account with your institution. Despite my persistent efforts, this issue remains unresolved, causing significant inconvenience and concern. 

The late open account, which has inaccurately been associated with my financial profile, is adversely impacting my creditworthiness and financial stability. I first brought this matter to your attention, and since then, I have made several diligent attempts to rectify it through your organization. Regrettably, my attempts have not yielded any meaningful resolution. 

I initially submitted a request to correct this late open account, providing all the required documentation and evidence to demonstrate its inaccuracy. To my dismay, my request was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second request, reiterating the evidence that this late open account is indeed erroneous. However, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Unfortunately, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the serious consequences of this late open account on my financial well-being. It has hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals.

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive investigation into the legitimacy of this late open account and, if found to be erroneous, its swift removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracy and its impact on my credit score.

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct this late open account immediately : XXXX XXXX XXXX XXXX : {$10000.00}.

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 non-monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the creditors bureaus to do a Theral review of credit report the did, but i did research and found improper even after they did the review. 
in accordance with the fair credit reporting act convergent the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( only XXXX ) Acct # : XXXX XXXX ( charge off ) Acct # : XXXX have violated my rights 15.usc1681 section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
what would you want as resolution

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 2023-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery is a third party debt collector and has no right to collect the alleged debt amount. Transfer of a contract to a third party does not grant rights to collect. Portfolio has not validated this alleged debt as belonging to me and furthermore, has no right to collect. Enforcing said rights would be securties fraud has being the holder in due course with the only LAWFUL signee, I do not give any permission for Portfolio Recovery to handle my security ( contract ). 

3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.

( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.

18 U.S. Code 1348 - Securities and commodities fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Before any of this happened I got a call asking for my personal information without them sharing the company name or why they were calling. I said I dont feel comfortable without knowing who I am talking to. They still refused to tell me so I hung up and recalled the number and it was southwest credit systems. 
All from this year of XXXX XXXX XXXX  -Wednesday - XXXX XXXX XXXX XXXX XXXX XXXX Thursday - XXXX XXXX XXXX Thursday- XXXX XXXX XXXX Friday - XXXX XXXX XXXX Tuesday XXXX Spoke to them on Thursday XX/XX/XXXX XXXX for 25min I verbally asked them to send a letter for debt validation which I never received ( they said they sent one, not true ) and a request for the amount they claim I owe. They said they would send that out to my address and they confirmed my address. They kept saying that if I paid today it wouldnt damage my credit score and that if I waited I would be sent to the credit bureau. In response i said I was not going to pay a debt that very well may not be mine and that I dont even have proof of debt. 
They have since called me from numbers XXXX ( XXXX ) XXXX on XX/XX/XXXX and XXXX ( XXXX ) XXXX on XX/XX/XXXX a Saturday And again on Sunday XX/XX/XXXX XXXX ( XXXX ) XXXX I did look up and they are not supposed to contact me for a few days after initial contact, right? 
XX/XX/XXXX @ XXXX XXXX Called again XXXX @ XXXX on XX/XX/XXXX Again XX/XX/XXXX same number at XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX at XXXX XX/XX/XXXX XXXX @ XXXX XX/XX/XXXX XXXX @ XXXX Im sure come Monday Ill have more calls to add to the list. That is another thing that goes against the fdcpa rules, correct? 
Ive been dealing with constant calls. And I dont even know if this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX, 2023 To : Chase XXXX XXXX XXXX XXXX XXXX RE : Fraud Case # XXXX During two calls I had with Claim Team Representatives XXXX and XXXX, I was given the following information regarding two debit card claims that were presented for payment on XXXX/XXXX/2023 : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX During the time of these purchases, I was at work. I have included my audited time sheet from that day and the verification letter from my supervisor. 
Also, I was told by the reps that my card was presented with a PIN at each business. That would be impossible to present the card in person to both businesses, because the transactions time is only 12 minutes, but the travel distance between the two locations is roughly 19 to 24 minutes during that time of day. I have included a XXXX XXXX showing the distances. 
I would like the money from these two fraudulent transactions returned to my account and any losses suffered due to the funds reversal and investigation to also be resolved and any fees reversed. 
Ive been a Chase customer for more than 20 years and have never felt so abandoned. I keep my card secure and am careful during transactions. And yet, I was victimized by Chases handling of the situation. There was no effort to believe me as a customer, and I was left to prove my innocence and told to file a report with the policetheres nothing we can do. Information contradicted between the calls, and I had to ask several questions to find out my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I closed on my home XX/XX/2023. United Wholesale Mortgage immediately purchased my loan after closing. 

I just received an email from XXXX XXXX today, XX/XX/2023. My homeowners insurance premium has NOT been paid and Im at risk of my policy being cancelled. It was due XX/XX/2023. This is incredibly unprofessional and unacceptable. 

They are stealing my money by not making this payment.

According to Florida Statute 501.137 3 ) ( a ) If the lender, as a result of neglect, fails to pay any tax or insurance premium when the tax or premium is due and there are sufficient escrow funds on deposit to pay the tax or premium, and if the property owner suffers a loss as a result of this failure, then the lender is liable for the loss ; except, however, that with respect to any loss which would otherwise have been insured, the extent of the liability shall not exceed the coverage limits of any insurance policy which has lapsed. 
( b ) If the lender violates paragraph ( a ) and the premium payment is not more than 90 days overdue, the insurer shall reinstate the insurance policy, retroactive to the date of cancellation, and the lender shall reimburse the property owner for any penalty or fees imposed by the insurer and paid by the property owner for purposes of reinstating the policy. 
( c ) If the lender violates paragraph ( a ) and the premium payment is more than 90 days overdue or if the insurer refuses to reinstate the insurance policy, the lender shall pay the difference between the cost of the previous insurance policy and a new, comparable insurance policy for a period of 2 years. If the lender refuses, the lender is liable for the reasonable attorneys fees and costs of the property owner for a violation of this section. 

I will 100 % get my attorney involved if need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: SUN WEST MORTGAGE COMPANY, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
Due to some complications we received from a previous lender, I decided to move forward with XXXX XXXX from Sunwest Mortgage as our new lender as he assured me that we would close on time and there would be no issues. On the day before closing at around XXXX, he decided to call me and tell me there was an issue and that I had to bring another $ XXXX to closing to get it fixed. As you can imagine, this threw me completely off guard because two days prior to closing everything was fine and Sunwest confirmed we were good to go. 

Due to this nonsense and the company 's evil practices, we had no choice but to ask the builder to delay closing to figure something out. The builder in turn, was not going to delay closing and were planning to charge {$250.00} per day for the extra time. This of course led to us having to cancel our contract because we did not have the extra funds, nor were we given any help in attempting to fix it. 

Sunwest Mortgage company has now cost me my deposit ( {$5000.00} ) and {$600.00} due to the appraisal I had to order because they were unable to switch it from the other company. I am now without a new house to move into and having to explain to my XXXX XXXX XXXX son that we must find an alternate location to live due to the incompetence of Sunwest mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed items inaccurate on my credit report. These debts that I disputed are not mine. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc. I argued that you need proof that someone owes a debt before you ruin their credit and their life by placing fraudulent debts/ accounts on their credit report. Their verification per them was name address, dob and statement showing charges. This is not proof of a debt owed the company said that they verified my name and address etc, so its considered valid. They explained that I could not dispute again with in two years unless I could provide some sort of additional information than what I already provided. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency to report this as valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Monterey Financial Services LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am writing to inform you that your company, Monterey Financial, has violated the Fair Credit Reporting Act ( FCRA ) by missing transactions and payments on my account and transferring my account to your company without all the required documents and payment history as required by law in the United States and the state of Texas. 
Your company 's failure to properly document my account and its history violates my rights as a consumer and is not what I agreed to when I obtained the loan from you. I demand that you void out the loan completely and stop all collection efforts against me. 
Furthermore, your company 's request for me to provide proof of payments is also a violation of the FCRA. I have already provided this information to your company, and any request for additional information is not in compliance with the FCRA. 
Under the FCRA, a violation of this nature carries a fine of {$1000.00} per offense. In my case, there were five missing transactions, which means that your company owes me {$5000.00} for these violations. 
In addition to the {$5000.00} owed for FCRA violations, I also demand compensation for the time and effort required to provide you with the requested documentation. This amounts to four hours of my time at a rate of {$75.00} per hour, totaling {$300.00}. 
I expect your company to take immediate action to resolve this matter. If I do not receive a satisfactory response from you within 30 days, I will have no choice but to seek legal action to protect my rights as a consumer. 
I advise you that your conduct is in violation of several transaction laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Texas Debt Collection Act ( TDCA ). 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00} XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-29
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While looking at my credit reports on XXXX, I noticed 4 hard inquiries on my report, that I had not applied for. I have been a victim of identity theft and I've made police reports, locked my credit report, with the 3 major credit companies, I've been working hard on keeping my credit good and to see this on my report is a eyesore. XX/XX/XXXX, Feb/Destiny ( Bank ), XX/XX/XXXX CB INDIGO BANK XXXX XX/XX/XXXX XXXX/Milestone Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting 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 FCRA all the following accounts has violated my rights. XXXX XXXX XXXX # XXXXXXXX XXXXXXXX  XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX. 
15 USC 1681 section 602A. My rights to privacy 15 USC 1681 section 604 A section 2. Consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1681a ( 2 ) ( a ) ( i ). EXCLUSION consumer reports does not include information solely as to transactions or experiences between consumer and the person making the report. I sent a written request for the credit bureau to address the violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Ive been asking for documentation stating why my fraudulent charges were being denied and this is what Ive gotten back since 5 months of asking for them Date : XX/XX/2022 Time : XXXX ; XXXX XXXX XXXX : Consumer Web Sent : XX/XX/2022 Sent to : ( XXXX ) XXXX Dont know what exactly does this refer to or has to do with because first of all the dates the the charges were made are XX/XX/2022 - XX/XX/2022 - XX/XX/2022 and me as a consumer I would be expecting something for each and one of those transactions a reason on why each on of them were declined for a return

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