BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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:
On or about the XX/XX/2022 ; I contacted XXXX and advised them that I was going to pay off the security system which I had purchased from XXXX. XXXX 's method of my paying in order to install the system directly was through using retain credit from XXXX. I applied while the XXXX sales person was at my house per his instruction. The {$4000.00} sale of the system was approved by XXXX. They subsequently sent me a card with the name XXXX retail credit on it and a number. There is no credit card information on the card. That is, with the exception that the funding is secured by the XXXX XXXX XXXX. It goes on to say " for participating locations only. '' There is no expiration date or security code on the card. 

I contacted the vendor XX/XX/2022 and advised them that, I had sent them a check for {$4000.00} via priority mail. I also told XXXX that I'd checked my Equifax credit report and that they miscategorized my credit to the credit bureaus, wherein, they listed they had provided me with a {$4000.00} credit card limit and I had used all of that limit to make a purchase. This dropped my credit score XXXX points, because XXXX told the credit bureau ( Equifax ), that I had a credit card with revolving credit. That statement was and is a lie, because that account was only opened for the purchase and installation of a new home security system. 

When in fact, the installment agreement has me paying {$66.00} approximately per month with no interest every month until the account was paid off. 

XXXX has no intention of following the law. They said as much by saying that no matter what I said, they were going to take 60 to 90 days to complete an investigation. Further, that they view my account as a revolving credit card account no matter what the card says or does not say. Most likely my credit report will not be corrected to show the account is an installment account. It will continue to show as though it is a credit card. 

This is wrong and I totally disagree. I say they are breaking the law and trampling my rights as this is what big business does on a regular basis, because they keep getting away with it breaking the laws in the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There are alledge inquiries on my credit report for which I do not recognize. Pursuant FCRA XXXX I am demanding they are removed XXXX XXXX XX/XX/2020 XXXX. XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020

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 2019-09-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
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:
Thier. Is a account on my credit file that is not mine it is U.S.A..A. Saving account not mine told XXXX. To remove it. and i have sent in a police Report saying that it is not mine. It was removed from XXXX. And XXXX.. so XXXX wants to play around with me like they don't understand. 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 2020-01-13
Company: Auto Pro Title Pawn, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I got a title loan from A1 action Cash XX/XX/XXXX for XXXX they advertised 0 percent interest for 30 days the manager told me it was a minimum charge of XXXX dollars if paid out in full with in 30 days. I was contacted before it was due telling me that the district manager was not willing to agree to the 0 percent interest and wanted to change it to the 25 percent before it was even due. I said that wasnt in the contract I had signed and was not willing to change anything. I went to pay it out and they tried to add a XXXX dollar late fee even though I wasnt late paid on the XX/XX/XXXX this place is corrupt and needs something done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, my daughter passed away and left 2 savings accounts ( for which she was the financial custodian ) for her children. These accounts were in Truist Bank. The bank failed to transfer these savings accounts when I established the XXXX XXXX XXXX XXXX account for which I am the court-appointed executor. 
Her 2 minor children, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX, now live with their father, stepmother, and her 4 children, Although he is the biological parent and children 's guardian he is not their court-appointed financial guardian. He refused to go through the proper channels to attain that appointment. A Truist bank manager wrote me, " A guardian of the minor 's property is someone appointed by the court. A parent is not the guardian of the minor 's property unless he/she has been appointed to that position ''. Also, he refused to pay the mortgage on the home that the children inherited and let it go into foreclosure despite the fact that there was ~ {$100000.00} in equity in the house. Clearly, he is not fulfilling his fiduciary responsibility to his children. 
In XX/XX/XXXX, their father, XXXX XXXX, withdrew the money from their savings account, approximately {$5000.00} and {$5300.00}, respectively. He presented the children 's birth certificates, my daughter 's death certificate, and his ID. Truist bank then cut him the checks, issued to both XXXX XXXX and XXXX XXXX, and XXXX XXXX and XXXX XXXX. He told me he set up accounts for them so they could access that money when they get older. Now, he has access to their savings accounts and I fear that the money will be spent carelessly and recklessly without the children 's knowledge or consent. 
On XX/XX/XXXX, I went to the local Truist Bank and asked why he was able to access and withdraw this money even though he is not their court-appointed financial guardian. Truist was not authorized to release this money to XXXX XXXX. They told me that the teller checked with her supervisor and received legal counsel approving these withdrawals. 
I truly believe Truist Bank violated its legal and fiduciary responsibility to XXXX and XXXX XXXX, and my daughter 's estate. I am requesting assistance in investigating whether Truist Bank was authorized to release this money, ~ {$10000.00}, to XXXX XXXX. 
Please advise.

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 2017-02-20
Company: I.C. System, Inc.
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 is not mine

Complaint:
I have never engaged in any business with XXXX nor have I received any products or services from this company to whic IC Systems is trying to collect payment for.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank, Account # XXXX has violated my rights. 

15 US 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 an 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 2022-08-15
Company: Experian Information Solutions Inc.
State: MN
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$610.00} XXXX  XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$7200.00} XXXX  XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX  XXXX Balance Owed : {$3400.00}

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 2021-01-31
Company: HYUNDAI CAPITAL AMERICA
State: CO
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received investigation results.

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 2016-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Porfolio Recovery Associates has been repeatedly calling my home over the past 9 months inquiring about my late sister-in-law. She recently passed away and I am her estate executor. I have asked the agent what the nature of the call is and they will not tell me, saying they need to speak with her. I am confident she had no outstanding debt of any kind. I have repeatedly blocked their phone number in an attempt to stop the harassment but they continually call from a new phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Due to ongoing lawsuits, on top of communication strains caused by COVID-19, it has never been acknowledged that my information was taken advantage of due to a data breach subjecting me to fraudulent activity, and malpractice while several laws were being broken under the FCRA by TransUnion LLC XXXX This has caused me financial injury, defamation of character, and I am not able to get approved for my mortgage or refinance my auto loan. This has really hurt my ability to obtain credit, which is needed during this time in a pandemic. This is not only affecting myself but also my child, our stability, and our well-being.

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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2021-03-24
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection agency is attempting to sue me and collect on a debt that was a result of fraud. I notified them of this on multiple occasions both in written and in verbal form. 
Additionally, this collection agency is using illegal tactics such as 1. contacting me during all hours of the day and night.

2. The acts of this collection agency interfered with the quiet enjoyment of my property 3. Not notifying me of this debt in a legal manner.

4. Harassing me at my place of employment sending letters and making phone calls to my job forcing me to get have to leave my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My current lender is XXXX Mortgage. I sent a payment of {$1500.00} on XXXX XXXX 2015 which was deposited by mistake into Freedom mortgage 's account. I contacted freedom mortgage and their loan servicing dept contacted me on XXXX/XXXX/2015 and advised me that they had found my check and would refund my money first to Freedom Mortgage and then to my lender XXXX. 
To date XXXX the money has not been sent to XXXX. I have tried to contact Freedom Mortgage and XXXX servicing several times to find out the status of my refund with no success. I need to get this money sent to XXXX so they can credit my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I went to BMO bank XXXX XXXX XXXX XXXX WI. I gave them a {$10.00} bill and asked for a roll of quarters. They asked if I had an account there. I said no. They said they could not give me the roll of quarters. They said they are saving them for their customers. What are banks for? I used XXXX money asking for XXXX money. Are the United States low on quarters?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Midwest Recovery Systems
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Recieved payday loan amount of XXXX from. Filed bankruptcy in XX/XX/XXXX and asked rep at XXXX   XXXX XXXX would this effect my credit No was her answer and now XX/XX/XXXX this inquiry is there. Midwest recovery was the creditor that was listed on the credit report however I've never heard or been contacted by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home loan with Freedom Mortgage to wrap in a home equity line of credit and to get a lower interest rate. The closing on the new loan occurred on Tuesday XXXX XXXX. The loan proceeds for the first loan were paid off on XXXX XXXX. 
According to Chapter 27 - Real Estate Settlement Procedures, Section 2605, sub-section ( g ) Administration of Escrow Accounts, " Any balance that is in the servicer 's control at the time the loan is paid off shall be promptly returned to the borrower within 20 business days or credited to a similar account for the new mortgage loan to the borrower with the same lender. My new loan already had included six months of prepaid escrow money. 
Repeated calls were made to the lender both by me and by my local Mortgage Officer for the company that had the Line of Credit. The lender 's call center and Escalation Department all could see my balance sitting there in a closed account. None could explain why the refund was not issued or what delayed it. The first call was made to the lender on XXXX XXXX to inquire on the status. The XXXX business days from the loan payoff was XXXX XXXX. I finally had a call from the Escalation Department at Freedom Mortgage that the check was sent on Monday XXXX XXXX. The check was dated XXXX XXXX but the envelope was postmarked Friday XXXX XXXX and arrived in my mailbox on Monday XXXX XXXX. So the check was mailed 27 days following the required XXXX business days ( in other words 47 business days after they received the loan proceeds to payoff the original loan ). 
I told them that the action was a violation of Federal Banking Regulations. This particular 20 business day regulation was amended to the law on XXXX XXXX, 2010 as an action stemming from the XXXX XXXX problems.

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 2016-07-13
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
my loan was transferred from XXXX to freedom. I called to make a payment to XXXX and was given the number to freedom. I made numerous calls and got a message that my loan was not in the system to call back. I made a call once a week with the same results. I got a notice that I was 1-2 months late and received a call from a collector. I made payments and now I have 3 showing late on my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been a victim of identity theft and my credit has suffered tremendously due to it. I am trying to purchase a home this year and this has taken a huge toll on me and my family. We have a tough time getting approved for the most basic things due to this and we are just tired of it. We have tried to notify the credit bureaus to no avail and would like to see if you can help. Please help me in this matter thank you.

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 2020-01-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT FROM XXXX XXXX EXPERIAN

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 2017-07-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Approximately two years ago and recently, I acquired with Navient about lowering my student loan payments. They insisted they could not do this because the rates they charged must be consistent with what the federal government wanted them to charge for my student loan. Also I was told I had to have a specific type of repayment plan, just to be qualified for public service student loan debt forgiveness? This I find appalling and unacceptable. Navient should not be able to make faulty profit off of our hard earned dollars as a student or former student. I am requesting that their claims of following government rules and charging mass amounts of interest be looked into. I also have reservations as to how my loans were handled with my XXXX XXXX XXXX XXXX College, whom that branch has been closed down for two years due to losing their accreditation? Please look into this matter and advise on next steps or options. Many Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been conversing with SunTrust Bank regarding an unethical fee they charged my account. Now they are stating that they could incorrectly gave me a refund that they have to remove out of my account but I never received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: EQUIFAX, 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 have been a victim of identity theft and my credit has suffered tremendously due to it. I am trying to purchase a home this year and this has taken a huge toll on me and my family. We have a tough time getting approved for the most basic things due to this and we are just tired of it. We have tried to notify the credit bureaus to no avail and would like to see if you can help. Please help me in this matter thank you.

Company response to consumer: Closed with explanation