BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$330.00} Inquiries : XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX Inquired on XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: ACS Education Services
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Sent do not contact letter based on templates provided by CFPB in XXXX 2016. Received further written attempts to collect debt as of XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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: Account information incorrect

Complaint:
I received a copy of my credit report and found the following item to be in error : XXXX XXXX account number XXXX 1. Three different balances are being reported {$1500.00} is being reported on TR, {$2500.00} is being reported on XXXX  and {$1500.00} is being reported on XXXX. 
2. Three different last dates of payments are being reported XX/XX/XXXX ( TR ) XX/XX/XXXX and XX/XX/XXXX XXXX reported 30 days late XX/XX/XXXX when the account was not. XXXX also reported 60 days late XX/XX/XXXX and the account was not. ( TR ) and ( XXXX ) reported 30 days late in XX/XX/XXXX when the account was current. XX/XX/XXXX ( TR ) ( XXXX ) ( XXXX ) all reported different account statuses. 
By the provisions of the Fair Credit reporting Act, I demand that these items be removed. This is a clear violation of 15 U.S 1681s-2 ( a ) a duty of a furnisher to provide accurate information. 15 U.SC Sec. ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is inaccurate. I understand that under 15 U.S.C Sec. 1681i ( e ) you must complete this re investigation within 30 days. Please send me a copy of my credit report to the address listed below. Thank you for your help in this matter.

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 2019-12-13
Company: SUNTRUST BANKS, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019, I refinanced my mortgage with XXXX  XXXX XXXX, and closed my loan at SunTrust Mortgage. On XX/XX/19, I paid my property taxes personally at the City  of XXXX, MA in the amount of {$1400.00} so I could close on this date. I received a payoff quote from SunTrust on XX/XX/19 in the amount of {$330000.00}. On XX/XX/XXXX, SunTrust also paid the property taxes, during this time I requested that they not pay the taxes and they told me that they were unable to remove the funds since they were already on the " spreadsheet '', however they would return the funds to me once the City of XXXX sends them back. I continuously called and asked for updates. On XX/XX/XXXX, I called the City of XXXX and asked if they have sent the funds back to SunTrust, they were due to be sent out that day. On XX/XX/XXXX, I contacted SunTrust again, they said that the funds have not been received. On or about XX/XX/XXXX, I contacted SunTrust again and the funds had been received, but they had to wait for the funds to clear the account before a check refund could be processed. I called again on XX/XX/XXXX to validate the funds have been cleared and was assured they were and a check would be issued. On XX/XX/XXXX, I contacted them yet again, and this time they informed me that I would not be receiving the refund as they had advanced the funds to me and did not include that amount in their initial Payoff Statement, then they quoted me an additional payoff statement in the amount {$330000.00} for XX/XX/XXXX. My loan was closed on XX/XX/XXXX. At no time during my initial conversations was I informed that I would not be receiving the funds back until XX/XX/XXXX. I spoke to several different departments, Customer Services, Property Tax & Escrow and escalated the call after being on hold for at 40 minutes each time. I believe I am entitled to the funds as I paid my taxes myself. Why would SunTrust pay taxes on a mortgage they no longer own and also use a different payoff figure 15 days later? I would like an escrow analysis done on my account. Also I can provide you all of the documentation and my broker 's contact information.

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 2017-03-09
Company: Midwest Recovery Systems
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a XXXX charge in collections on my credit report that is not mine. I have tried to call the company several times and get a voice mail were I have let numerous messages with no response. I would like this removed from my credit report which is affecting my score. I have never gotten any bills or documentation of this charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX my vehicle was stolen and deemed a total loss. On XX/XX/XXXX my insurance company issued payment in the amount of XXXX to Ally Financial. To date they have not applied this payment to my account. Ally Financial has acknowledged receipt of this payment. In addition Ally is now reflecting this account as charged off as of XX/XX/XXXX. The charge occurred after I disputed this account balance on my credit report. I have made multiple calls with no call back. The balance paid by insurance did not cover the full balance of remaining loan so I opened a gap coverage claim. This claim has now been closed being Ally Financial has not provided documents requested by myself as well as gap company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: Nelnet, Inc.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am distressed that you have included DEPT OF ED/NELNET XXXX information in my credit profile on and that XX/XX/XXXX - XX/XX/XXXX you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been retiered for a number of years. My XXXX pension is giving me less and less dollars each month due to the constantly stronger dollar. 
Now I am starting up a small XXXX in order to make some extra income. To start up even a very small XXXX takes some money. I asked my bank, Chase, for a small loan but they did not even let me file an application. 

During this start up time money has been very tight and now and then the balance on my bank account dips under XXXX and I get hit with tons of fees for INSUFFICIENT FUNDS. 

During the past 12 months the bank has hit me for {$1300.00}. This is unacceptable. I am sure their lawyers have it covered so that it is legal but is it moral? NO! 

I had a fight with XXXX Bank about the mortgage on our house. Needless to say it is no longer our house. XXXX was very unfair in their dealing and they just recently agreed to pay a penalty of close to $ 1Billion for their wrongdoing! 

I took this info in writing to my bank office in Surprise, AZ but 2 months later I have still not got any answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am trying to link My account to XXXX XXXX app. It is a change rounding app that invests your money. PNC is not allowing accounts to be linked for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
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:
My brother informed me that I received a letter in he mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone had given my name and social security numbe4r to open accounts. They have the wrong person, I decided to pull my credit report it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report.

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 2015-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I 'm currently refinancing my house from a 5-year ARM to a 15-year fixed conventional mortgage. I have applied to several mortgage lenders to compare rates. Capital One has offered the lowest price, but partly due to a limited time promotional offer of a {$1000.00} credit off closing costs, and this offer has been extended ( per email ). However, the lender has not documented it in the Loan Estimate which they provided on Monday XXXX XXXX based on an application I made on XXXX XXXX. I have twice requested that the lender add this promised non-specific lender credit to the Loan Estimate disclosure but they have refused, stating via email : " I had to get an exception for the extra {$1000.00} since it is no longer in effect so it will not show up on the Loan Estimate. I did get the approval though so it will show up on your new loan docs if you decide to go forward on the loan. " and when further pressed, the loan officer stated : " There would be a redisclosure document that you would receive once the loan is in process. I can not apply the approval until after we have started going forward. " This is quite frustrating because I 'm afraid that later they will not honor their commitment since it was not formally documented in the Loan Estimate disclosure. It appears that Capital One is trying to force me to agree to starting the home appraisal, with its {$450.00} non-refundable fee, to lock me in before officially documenting the lower final closing costs. This also inhibits me from shopping around for the best loan rates since their real/lower quote is lower than the one that they are willing to disclose and legally document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After Graduating from XXXX University on XX/XX/XXXX, I received a phone call in early XX/XX/XXXX from Great Lakes Financial urgently urging me to transfer all of my Federal Loans over to them. Not quite understanding the need, In trust I follower their recommendation. In the XXXX years that I have been paying on these XXXX loans, I have only paid {$2000.00} in Principal. Starting balance was {$53000.00} to date balance is {$51000.00}. My complaint is that I feel as though I was taken advantage of and see no end to the repayment of these loans. Below are current and previous loan information from my Great Lakes account web site. Please advise how I can improve my situation. 


Consolidation Loans XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX Parent PLUS Loans XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : 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 2022-05-16
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I received my monthly bill from chase which included charges of {$800.00} made on XX/XX/2011. They were submitted 19 different times for {$42.00} for each order on the same day and were not even questioned by Amazon or Chase. The charges were on my Amazon charge card for XXXX XXXX which I don't even know what they are. I have spoken to Chase numerous times and they keep referring me to Amazon. I have contacted Amazon multiple times and am told that I will receive an email from the fraud department within 24 hours. Every time I received emails from the fraud department they keep saying they are working on my claim. In the meantime now when I call, they say that I have been blocked by Amazon and they can't get into the account. They have shut me off from XXXX XXXX which I paid for separately and I am not allowed to order anything from Amazon. I think that I should be reimbursed for XXXX because I can't use or watch shows on it. This has been going on for three months with no satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Byrider Franchising, LLC
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I financed a vehicle from JD Byrider XX/XX/XXXX, when I purchased this vehicle I also had my payments automatically deducted from my bank account. I still to this date XX/XX/XXXX, have this set ujp on my account. XX/XX/XXXX there was a new employee at my finance company assigned to my account, who began to call me regarding my payment, I explained to her that she did not have to call me regarding my payment, my payments are automatically taken out of my account. She continued to call me regarding my payment anyway, as well as asking me if the funds are there, I then would hang up on her. I would later receive a call from my sister telling me that this same woman called her stating she was trying to get a hold of me regarding my auto payment, and when I arrived to work my supervisor informs me that this same individual called my employer regarding my auto payment and insurance on my veihcle. My supervisor explained to her as well as I have that I am not to receive these calls on the job and the woman explained that she was fully aware of that. I then contacted XXXX manaers regarding this issue, and the phone calls stopped for a few months. She then began to call regarding my insurance on the vehicle I explained I have an XXXX insurance you do n't have to verify that with me you can verify that through the state if you want to know if I have insurance. Here we are XX/XX/XXXX and she is calling me regarding my auto payment again. Nothing on my account has changed, my payments have been taken out of my account for a few months with no problem and she is harassing me about my payment again. When I spoke to the XXXX managers they both confirmed that it shows on my account which debit card to deduct my payments from and both confirmed they did not know why this individual is calling me regarding my payment. She wo n't stop harassing me and I need assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: SYNCHRONY FINANCIAL
State: SC
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, has violated my rights. 

15 USC 1681 Section 604 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2022-05-16
Company: EQUIFAX, INC.
State: CA
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 instrusctions.

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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: TN
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:
Account Name : XXXX Account Number : XXXX Balance : {$4900.00} This is a formal complaint against Equifax, XXXX, and XXXX located in XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXXXXXX PA XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX 

I am not questioning whether I owe this debt or not, I am challenging the consistencies of the reporting of this account to the credit bureaus. I am aware that under FCRA, the credit reporting agencies must report any account 100 % accurate and complete. I checked my credit report again today and I do not see any changes or corrections at all that the credit bureaus are supposed to be doing in order ensure the maximum compliance and accuracy of what they are reporting. 

For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this for several months now, Equifax, XXXX, and XXXX have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/2015 I went to TD Bank at XXXX to withdrawl money thru ATM. I first tried to get {$300.00}, but I got messege that I was over daily limit which confused me since I had only made deposit earlier in the day. Since I got messege I decided to try {$200.00} and was able to get that and got a reciept which included my balance. I contacted the XXXX branch when I got my monthly statement and was told by Assitant manager they would look into it since they were having problems with machine. I just got letter saying they did n't find error and would not credit me. I find this hard to believe since I have reciept for my withdrawl and you would think a bank can add and subtract properly. I am looking at what courses of action I must take to protect me from this banks erroring ways so I am filing this official complaint, and/or filing theft charges against bank with police and hiring legal reprsentation to protect me.

Company response to consumer: Closed with monetary relief