BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Since XX/XX/2021 I have been trying to dispute XXXX, XXXX and XXXX XXXX with all 3 credit bureaus. I have requested for the bureaus to send me proof of their verification with documentation. XXXX the original creditor nor Vehicle Solutions HAS NOT been investigated AT ALL since XXXX ; therefore the bureaus has disregarding my rights as a consumer and have passed the timeframe allowed of 30-45 calendar days to complete an investigation. The bureaus has even passed the 60 day timeframe after numerous request for verification. I have also informed the bureaus in recent disputes that they are reporting incorrect last active dates for XXXX and XXXX which has caused this account to re-age which is a HUGE violation for FCRA and FCDPA. I would think that bureaus would have more respect me as a consumer and had completed these investigations. The burden of proof is on the Bureaus. Being that XXXX nor XXXXXXXX XXXX were never verified by the bureaus I am requesting permanent deletion from my credit profile. XXXX  please DO NOT send me back a generic response of which you are known for stating that you need authorization. Please consider this my written authorization for this complaint as well I have attached a copy of my proof of identification. You have stalled and prolonged of enough time and if this is not handled I will have to take matters further and get a consumer attorney and file a complaint with FTC as well. I keep excellent records so please do not disregard this complaint. 

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 2020-04-01
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I suffered significant damage to our home During Hurricane Irma in XXXX. Like many others, collecting from our insurance company was a struggle and we ultimately had to pursue litigation against XXXX XXXX to obtain a fair and equitable agreement. We finally settled our claim almost 2 years later. Once we received our settlement check, it was written out to both our Mortgage Company, Roundpoint mortgage Servicing, and ourselves. I got online, opened an insurance claim notice and submitted the endorsed check along with all our receipts to Roundpoint on XX/XX/XXXX. We completed our work and repairs on our home more than a year ago and well before the insurance settlement occurred, paying all our expenses out of pocket and doing most of the repair work ourselves. When I submitted the documentation, I informed them of that and requested an Inspection so the full amount could be released to us as soon as possible. 
It is now nearly 2 months later ... I have received only 2 phone calls and 1 written communication from Roundpoint with a check for slightly more than 10 % of our total insurance settlement and equal to the amount in materials I submitted as part of my paperwork. During both phone calls I placed to Roundpoint, I asked that they please schedule an inspection to release the full amount. I also asked that they release XXXX of the overall settlement up front as it states in their insurance claim processing documents. Both requests have gone ignored. 
It has now been almost a month since I last spoke to them or received any correspondence and I feel that the bank is attempting to hold my funds for their own benefit ( and without interest! ). 
Please help us. We need our funds. The work was completed years ago. We are nearly 3 years since Hurricane Irma and have yet to be made whole. When will this nightmare end?

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 2021-08-01
Company: EQUIFAX, INC.
State: SC
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:
Their has been unauthorized use of my credit report. I submitted a dispute with the credit bureaus on XX/XX/XXXX in regards to unauthorized, inaccurate, and fraudulent accounts on my credit report. This is unacceptable and in violation with the FCRA and FDCPA. A furnisher must not furnish inaccurate consumer information to a Credit reporting agency, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate, fraudulent, or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX Equifax data breach and XXXX XXXX  data breach. Someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations if these accounts are not deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Credit determination

Complaint:
I have XXXX credit cards with Chase Bank. In the past 2-3 years I have sent well over {$600000.00} using their cards. From the very beginning of using their cards, I have never been late XXXX single time for a payment during any month. When I make payments, it is usually in thousands of dollars done XXXX or XXXX or 4 times a month. They say I am a very good customer and thank me for making them so much money as a good customer. As they make their XXXX % on my balances, at the same time they are reporting to the credit reporting agencies that I am a risk of missing a payment and the reporting agencies have labeled me as a very poor credit card risk with a very poor utilization since I use so much money. They rate me very poor and this reflects in a lower credit score of about XXXX. With a score that low many underwriters take my application for growing my business and deny me the opportunity to borrow money to make more money. The credit card companies would like me to use not more than 15 % of the limit showing I am worthy, but then I ask what is the point of having a credit limit, especially if I can utilize that {$15000.00} limit and make those payments with no lose or risk to them. It appears the banks have it both ways in that they make a ton of money off me, get paid, never chase me for money and tell all creditors I am not worthy of any additional credit. What the banks and the credit agencies do not even consider is my mrtage payments monthly are about {$9000.00} a month and I have not been late in the past five years with any payments. The characterization of the credit card agencies does not give an accurate profile of what I can afford in a monthly payment. If you look at the payment history of my profile, not only do I make the monthly credit card payments, the mortgages, the loans and when all monthly payments in my life are totaled they approach {$30000.00} a month. BUT, the credit reporting agencies are telling everyone that looks at my credit that I am a poor risk because I utilize my credit with the banks. Since the banks are in business to make money, and they do make money off of me, how is it fair they can also tell any creditor who looks at my profile that I am a very poor risk. This is wrong, everyone I speak with tells me this is wrong and yet in the banks and the credit agencies continue to demonize me financially and should not be allowed to do that. I can not refinance anything or borrow any money due to the erroneous profile of the banks and the erroneous profile the credit reporting agencies give me. I am livid they have the power to get away this this sham and what makes me even more angrier that no bank will answer my concerns and credit reporting agencies use the rhetoric of " we only report what we are told ''. The XXXX agencies should be investigated by the government because XXXX out of every XXXX people will all say what they mess they make of their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Advanced Recovery Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Floowood XXXX XXXX Sirs or Madam, I sent a debt validation letter x2 on the following dates XX/XX/2021, and XX/XX/2021 each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please cease all collections activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: GreenSky, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan Fraud : GreenSky LLC Acct. # XXXX An XXXX  XXXX XXXX XXXX representative offered to do home improvements about 6 years ago for {$8200.00} at 3 % APR for only {$95.00} a month. When I got the bill it said, " Greensky. '' " interest rate : 5.99 %. '' I was annoyed that it was higher than quoted, but I thought that was still a good annual percentage rate for home improvements. 
The work was done. I have been making monthly payments, on time, all these years, and I noticed that I still owe more than half of the original {$8200.00}. I must have paid out almost {$6800.00} by now, and the current bill says that the balance due is {$4400.00}. 
I just used my calculator and ( even at 5.99 % instead of 3 % ) 5.99 % of {$8200.00} is {$490.00} {$8200.00} + {$490.00} = {$8700.00} {$8700.00} - {$6800.00} = {$1900.00} I should owe that amount, not {$4400.00}. 
Then I realized the 5.99 % is a monthly rate. Does that mean the annual rate is really 71.88 %?? The kicker is, I'm XXXX. I sold that house 3 years ago and didn't pay off the loan because the interest was so low.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased an online course from XXXX using PayPal Credit for funding. Purchase amount {$340.00}. XXXX mislead me to believe I could start the course immediately as it is an online, not live, course. I purchased the course on XX/XX/21. After paying for the course the earliest course start date was XX/XX/21. I could not access the course I paid for so I reached out to XXXX customer support. They resolved the connection issued but that pushed my course start date to XX/XX/21. At no time was I ever advised of their refund policy. 

Once I was able to access the course I viewed several days of the course. I found it to be a terrible, wordy, poorly executed course and asked XXXX, for a refund on XX/XX/21. This request was made through their website via the " live chat '' which is actually a bot. XXXX replied to my request on XX/XX/21 denying my request for a refund stating their refund policy is valid for 15 days from date of purchase. At no time was this policy provided to me. It was not in any document I signed during the purchase. It's not on the " welcome '' e-mail. Nor is it on my receipt of purchase. 

Since I could not access the course for days from date of purchase this had already absorbed days of their 15 day policy which I also find deceitful. 

I've disputed the charges with Paypal Credit which is financed by Sychrony Bank. They obtained minimal information from XXXX, which did not prove that I was provided their refund information, and sided with XXXX. 

I provided additional information to Paypal Credit to further review and dispute the charges. Paypal continues to delay the investigation. They have stated additional documents from XXXX were provided but they have not shares these with me as an attachment to a document as they stated. No attachment was provided. 

Paypal has stated in letters to me that I would not have to make payments during the dispute process yet they continue to require payment. I've made all payments on time. 

My complaint is with both XXXX and Paypal Credit/Sychrony Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
i would like to pay ONLY what is owed and my legitimate charges. i would like an itemized list of charges and overdraft fees need to be deleted. im a single mother and i dont have much money. i really want to fix my account with XXXX and Suntrust never fully resolved account issues before closing the account and assessing unfair fees. i had duplicate charges from XXXX ( suntrust account was linked to XXXX ) i went into the XXXX XXXX, md banking center to resolve. the branch manager told me she would resolve but did not. i have many over draft fees on the account even after XXXX faxed in a letter stating the error. this is not in collections and needs to be resolved. i will pay whats owed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have disputed this issue 3 times with XXXX  and Transunion. XXXX  has my information correct. Except the XXXX account which I am currently disputing with them. For some reason XXXX  and Transunion websites will not accept my documents and they are only taking into account what XXXX and XXXX are saying about my accounts. I have tried to submit documentation to Transunion and XXXX  several times and they either disregard my documentation or their website will not accept the documents. The XXXX and 3 XXXX accounts are being reported incorrectly on my credit report. XXXX  and Transunion are reporting an initial delinquency date of XXXX for these accounts however, this is incorrect. The initial delinquency date is XXXX. I have submitted payments history and even my XXXX  credit report proving that these accounts initially went delinquent in XXXX. These accounts are over 7 years old and need to be removed from my credit. Please help me!

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 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The Credit bureaus seem to throw my letters out or do not do anything on my file. 
My name and alias name need to be corrected. My OLD addresses are wrong as well. I am attaching a letter of explanation

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 2021-08-01
Company: EQUIFAX, INC.
State: MO
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:
Im demanding that these fraudently accounts be blocked and removed from my credit file. My idenity has been compromised and reported. Im demanding that the XXXX major credit agenices remove these accounts immediatelty. 

XXXX. XXXX XXXX Bank XXXX. XXXX XXXX {$1700.00} XXXX. XXXX XXXX XXXX. XXXX Bank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
On XX/XX/2020 a new inquiry was placed on my report I'm not looking at getting a new home so I know it's not me I have tried for days to reach someone but I haven't been able to talk to anyone plus there is numerous issues on my report I just wan na get this resolved

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 2020-04-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've submitted proper documentation to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit. Nor are they responding. This is impacting my score and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX, am a natural person, original creditor and federally protected consumer. EQUIFAX is reporting fraudulent, unvalidated, and misleading information on my credit report. I began disputing the fraudulent and misleading activity on XX/XX/2021. I requested validation of the accounts in question. EQUIFAX has not validated any of the disputed inaccurate information and is in violation of 15 U.S. Code 1692g ( a ) ( 1-5 )., EQUIFAX mislead me into believing that disputed items were accurate but failed to provide proper proof of accuracy pursuant to 15 U.S. Code 1681a ( e ). Furthermore I have a right to privacy as a federally protected consumer, and EQUIFAX is willfully furnishing information without my direct written consent. Under 15 U.S. Code 1681b it states that a consumer reporting agency may furnish a consumer report under the following circumstances ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX is in direct violation of 15 USC 1681b ( 2 ) because I have not provided them with any written permission to report anything to my consumer report. I have sent EQUIFAX validation letters, cease and desist, and an notarized affidavit of truth that has went un-rebutted by EQUIFAX therefore it stands as truth and yet they have still refused to cooperate. EQUIFAX has caused me much mental abuse, mental anguish, and mental harm as a result of their fraudulent and criminal practices. I have tried multiple times to resolve this issue directly with EQUIFAX but they refuse to lawfully cooperate and insist on violating my rights as a natural person, original creditor and federally protected consumer. EQUIFAXS actions against me are not only misleading and harmful to me but also criminal and fraudulent and they should be held liable for their criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Apple Law Group, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I signed a contract with Apple Law Group ( XXXX XXXX XXXX # XXXX XXXX XXXX CA ) in XX/XX/2015 to settle my debt from XXXX XXXX XXXX and XXXX XXXX. After paying them about 3k nothing was done and I ended up getting sued from XXXX XXXX XXXX and ended up settling the XXXX XXXX myself. Apple law will try to say I " breached : my contract and stopped making monthly payments but apple law told me my dent would be resolved within 6 months so why should I continue giving them money when they are not doing anything. After being threatened to be sued by XXXXk XXXX XXXX apple law finally " attempted '' to settle my debt in which I had to pay more than half of my debt still instead of paying 1/3 of what I owed which was what was advertised by Apple Law. Apple law refuse to also credit me XXXX which was my remaining balance that they did not use ( I sent them a lump payment of around 1200 in which they used around 700 to make the first payment to XXXX XXXX XXXX ) I also had to settle my XXXX XXXX debt myself because the employee there couldnt get me an offer lower than XXXX whereas I got myself an offer to settle for XXXX. Apple law group is out of business now and I dont how how to my money back for false services and my credit of XXXX that I paid in excess.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have reached out to this company about placing a security freeze on my report 2 times I have yet to receive a response, i have attached pdf files of me asking these companies for security freezes

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