BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-24
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted this collections agency back in XXXX regarding the validity of this account. According to my FCRA rights, the company has 30 days to verify debt or it must be deleted. I have never received validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have submitted several disputes to TransUnion for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked TransUnion on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and TransUnion will not acknowledge my request. TransUnion has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XX/XX/2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have TransUnion complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2020-01-15
Company: Experian Information Solutions Inc.
State: AZ
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 had an account that appeared on my credit as a collection for a company I had previously done business with, it was a cable provider. I canceled my account and returned the equipment to the carrier and I found that they had sent me to collections even though I didn't have a balance and had returned all the cable equipment. When I saw the {$500.00} collection I initially disputed it with all three bureaus because I knew I didn't owe them. The account was deleted by XXXX and XXXX because the company could not provide proof of the balance they were trying to collect or where it came from, now it is being reported to experian and Experian is refusing to do anything about this. I know that this information is incorrect and it is harming my credit rating. it was already deleted by the other bureaus because the collection company can not provide proof of where this balance came from and Experian needs to do the same.

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 2020-01-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2016-07-17
Company: MIDCOUNTRY FINANCIAL CORP
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This is an old debt from the military. Since XX/XX/XXXX and I had filed bankruptcy in XXXX XXXX. They are still reporting negatively on my credit report. I really need help to remove them for good. This debt is really old. The creditor is Pioneer Military Loans from XXXX. They know the debt is old but they keep refreshing on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I notified the credit card company of two fraudulent transactions that were posted on my account on XX/XX/XXXX. One transaction was in the amount of {$180.00} at XXXX XXXX XXXX # XXXX, XXXX XXXX, NJ. The other transaction was in the amount of {$35.00} at XXXX # XXXX, XXXX XXXX XXXX, NJ. Upon notification on my part the charges were immediately credited to my account on XX/XX/XXXX pending investigation. On XX/XX/XXXX, I received a letter from the bank declining my fraud claim for the disputed transactions. Based on their investigation, my card was used for the charges. Not satisfied with their initial findings, I reopened the investigation requesting a further and more in depth investigation. After that I did not received any written notification from the bank or a phone call updating me on the status of the dispute. On XX/XX/XXXX I contacted the fraud department to check on the status of the investigation and I was told that the claim was closed and there was nothing else they could do to help me. Words can not describe how frustrating this whole ordeal has been for me, from dealing with different representatives and departments trying to get this resolved. I feel like I have not been treated fair and the bank failed to do its job of investigating the dispute the right way. I am so disappointed with the way they handled my claim that I will never do business with them. The worst of all is that I have been a loyal customer who always pay on time, and to be treated this way is not right.

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 2022-06-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX I sent a {$100.00}. MoneyGram to my name due to an emergency, I got the email saying it's ready to be picked up I went with my ID and all my info but they said it was refunded to the sender because of the reference number but the only problem I can see is I accidentally put pick up in XXXX  which is where I live instead of XXXX where I am visiting. But either way it is still not back on my credit card and I really need it to get home and nobody can tell me anything

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage used to have XXXX XXXX service my mortgage with them. Then effective XXXX XXXX, they took the servicing of this mortgage back. They stated on the phone at least 3 times that no late fees or credit reporting would occur until 60 days from the date they took over servicing. I made my mortgage payment on XXXX XXXX. That is the day it is due. Freedom Mortgage should have had that payment transffered from XXXX XXXX, yet I have not seen it come out of my bank. Now, I am getting a letter telling me that I am late ... .and that they have reported it to the credit bureaus. This is the EXACT opposite of the information I received from XXXX separate representatives on their customer care line. In short, they lied to their customers. They can not tell me what happened to the payment I made online on XXXX XXXX. It has not been 60 days since they took over the servicing of this loan ... .why are they sending me debt notices before their 60 day grace period to me when I have a call record asking about the payment and a letter that I on XXXX XXXX explaining that I made the payment and ALL I wanted to know was what happened to it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, 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 account # XXXX has violated my rights. I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX account # XXXX and do not have a contract with XXXX. They have repeatedly failed to provide me with the original application like I've requested. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C. These accounts above has caused significant damages. 15 U.S.C 1681 Section B. states that anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Consumer Financial Protection Bureau, To be proactive about my credit score, I tried to freeze my credit account. Both XXXX and Equifax wanted me to send a copy of my Social Security card, driver license, prove of address to freeze my credit score. That is absolutely ridiculous rule made by the companies just to prevent consumers from freezing the credit. They are intentionally creating hassles and slow-down the consumers to do the right thing. 

There is absolutely no sense to freeze other people credit account. The hackers will steal the credit. They are definitely not going to freeze credit files. 

Asking us to send copies of our Social Security card and driver license is potential breach of information. Government website clearly stated that no one should get access to Social Security number unless necessary. 

It will be great if the government can make these companies change this absurd and ridiculous rule. Everyone should be able to freeze their own credit without submitting hardcopies of Social Security number, driver license, and addresses. 

To be fair, I have to say praise XXXX. XXXX is the only company that I can freeze my credit score online. 

Thank you very much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 've had a checking, savings, pre-paid cards and business checking for 1 year with Fifth Third. I have had issues with the bank the entire time I had an account. The bill pay did n't work correctly and I called several times because the bills did n't get paid on the correct date that the bank GUARANTEED. I received debit cards for the business checking that never worked. One night we were in the bank in the winter, going in and out the branch because they did not have an inside ATM XXXX another disadvantage ) and the representative could not get the cards to work. They sent the cards several times and they never worked, meanwhile, we opened up other accounts elsewhere to service our business needs. We could never utilize the Fifth Third business account as we wanted to. I went in to close the account on XXXX/XXXX/2015 and the representative told me she could NOT close pre-paid cards at all. Also, she suggested I should wait a week so that the business account is 1 year old and I could avoid the {$50.00} fee. I call the XXXX number provided by her to close the pre-paid cards and they say I have to close the cards in the branch. I was very frustrated at this point. I go inside the branch on XXXX/XXXX/15 to close the pre-paids and speak with XXXX and she tells me that she can close the cards. I ask her to close the business and she tells me she can not waive the {$50.00} fee. I explain to her that the other representative told me I had to wait a week and the fee could be waived. She puts the disclosure dated XXXX2015 in my face and say 'you have to pay the fee '. I tell her about the unsatisfactory service with this branch, how we never got to use the account, and how many monthly service fees we have paid that should cover the closing fee. She does n't care, she 's quite arrogant, and refuses to help eventhough her staff mislead me into thinking the fee could be waived. It was not disclosed to me at the time of opening the account there was a closing fee indefinitely.She should have taken into consideration the inconvenience of going back and forth to the branch due to her staff lack of knowledge. I filed a complaint over the phone that night and I called XXXX/XXXX/2015 and there 's no proof of a complaint being filed and the representative states I have to go into the branch to file a complaint ... AGAIN! This branch is totally unprofessional and the manager is not training her staff properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-14
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom mortgage increased our monthly mortgage payments by {$500.00} stating that we had a " shortage in the escrow account. '' They indicated that the school taxes, homeowners insurance, tax increases. We believe that they had us down for STAR exemption in NYS when it had not gone through back when we applied on XX/XX/2013. For the past three years Freedom Mortgage was paying our taxes based on a STAR exemption that we did not have and when they realized they raised our fixed rate mortgage by {$500.00}.

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 2020-01-15
Company: EQUIFAX, INC.
State: NY
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:
Due to Equifax Breach back in XXXX I've become a victim of identity fraud - some of my personal information but not limited to get into public access. Since then I've been fiercer-fully struggling to keep my information protected and put a id fraud notice on my credit report with all XXXX major bureaus - XXXX, equifax and XXXX. In XX/XX/XXXX I've discovered that some of the addresses I've never resided at been reported. After a phone call I've discovered that there are 2 credit accounts were opened on a person XXXX XXXX XXXX, using my credentials - such as SSN and DOB. I've reported such activities to FTC Identity Fraud Department and called XXXX XXXX Bank. They assured me that they will start investigation. At the same time, I've reported such activities to XXXX and XXXX. Both companies - XXXXXXXX and XXXX - already took measure and removed these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
About three weeks ago, I couldn't log in into my truist online banking app. 
Said I needed it to call so I did .. the answers was .. your acc has been blocked but I cant see why... so she told me to go to a physical branch. Which I did and their answer was... it looks like your account has been blocked due to fraud, but the system won't show me exactly why..the banker told me to wait until the following week to call and ask. .. so I did and they still didn't have an answer for me... two weeks with a blocked account and {$2.00} dollars in it. I received a letter from truist saying that I was negative {$12000.00} due to some fraudulent checks.. .. and says please pay the balance in order not to send you to collection ... .. but I never did any transactions ... my account was never with more than 1,500 in it.. 
Please help.

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 2016-09-07
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I notified my Mortgage Company, Freedom Mortgage, on Apr XXXX, 2016, that XXXX of my parcels taxes had not been paid from my escrow account. They ended up only paying for XXXX of them. Now my taxes have been sold at tax sale in XXXX 2016, and I have started the process of redeeming them myself. I have notified them, but I only get a boilerplate response that they have received my communication. This is not acceptable.

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 2022-06-19
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I requested to open a secured credit card in order to help build up my credit score on XX/XX/2022, saving account ending in XXXX secured credit card savings. I applied {$400.00} dollars as required. I called several times to find out the where about of my credit card. I was giving misinformed information over the phone repeatedly. I was told from customer service that their systems are converting to the recently merged from BB & T to Trust. I received my card in the mail yesterday but that was after the fact when I called in to the credit card department and was told that the card was not submitted, out of anger, I requested to have the credit card canceled and the refunds returned to my account. I was told that it can take 30 days to do so. The bank gives customers misinformed information about their own accounts and during the process, the customers don't have access to their own funds due to the bank errors and inaccuracy. This is unacceptable to punish customers for their out-of-data system by holding customers ' funds and not releasing them by applying the funds to another account, sending a check by mail, or in-person return funds.

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 2022-06-19
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I've repeatedly disputed the third-party collection agencies that brought the original creditors that were included in myXX/XX/XXXXXXXX, bankruptcy. I would like to know what proof was provided to Experian, report number, XXXX, XXXX. XXXX, 2022, to remain as accurate reporting? Because I'm disputing the original creditors that were sold to the third-party collection agencies listed below. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$410.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2700.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$8800.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2500.00}, Original creditor,XX/XX/XXXXl XXXX, XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2400.00}, Original creditor, XXXX Bank, Contact info, XXXX. 

Best regards, XXXX XXXX XXXX XXXX ( XXXX ) XXXX cellphone number

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 2020-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2020 my credit dropped 13 points with XXXX and Transunion for absolutely no reason.

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 2020-01-15
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: Was not notified of investigation status or results

Complaint:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with explanation