BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-17
Company: Professional Finance Company, Inc.
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I submitted a validation letter including HIPAA authorization. 
XX/XX/XXXX I received a response from Professional finance stating they included complete billing statements, including payments. ( which they did not include any billing statements ) They FAILED to provide HIPAA Release form signed by me.

They are in direct violation of 15 USC 1692 ( g ) Section 809 ( b ) Failing to validate a debt as allowed to the debtor and they violated My rights under HIPAA, as I never signed a HIPAA release form. 

I sent a follow up letter in XX/XX/XXXX, and Ive received no response and the accounts are still reporting on my credit bureau. 

Ive attached all supporting documentation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone stole my cards one of which was a td bank card. All other consumers helped me promptly, but tdbank denied my claim twice even after police report was filed. They offered no assistance with trying to find the person responsible. I asked why wasnt provided a photo? The manager said they cant show pictures of the person who has taken money out my account. As if they are protecting the person or protecting themselves from not securing the money I placed in the bank to be safe from being stolen. Ive banked with them several years having no problems and now all of a sudden Im a bother to them. They were more than happy to assist me into banking with them, but cant help a customer get compensation for their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute a late payment entry on my credit report, specifically pertaining to my credit card account with the details mentioned below : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed Status Updated : XX/XX/XXXX Balance : N/A Balance Updated : N/A Recent Payment : N/A Monthly Payment : N/A Credit Limit : {$6500.00} Highest Balance : {$7000.00} Terms : N/A Payment History : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met : 30 Past due 30 days : XXXX Payment history guide : 30 days past due as of XX/XX/XXXX Balance Histories : XX/XX/XXXX : {$33.00} Scheduled Payment : {$33.00} Paid : {$0.00} on XX/XX/XXXX Additional info : As of XX/XX/XXXX, your credit limit/high balance was {$6500.00} Contact Info : Address : XXXX XXXX XXXX, XXXX XXXX TX XXXX Phone Number : ( XXXX ) XXXX I wish to bring your attention to a 30-day past due notation from XX/XX/XXXX, which I believe has been inaccurately reported on my credit profile. I want to emphasize that I have made full payment towards this credit card account, and I possess the necessary evidence to support this fact. 

According to the provisions outlined in 15 U.S. Code 1637 - Open end consumer credit plans ( C ) Payments at local branches.

If the creditor, in the case of a credit card account referred to in subparagraph ( A ), is a financial institution which maintains branches or offices at which payments on any such account are accepted from the obligor in person, the date on which the obligor makes a payment on the account at such branch or office shall be considered to be the date on which the payment is made for purposes of determining whether a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment.

To substantiate my claim of full payment, I am prepared to provide documented proof, which includes a copy of the payment made at the XXXX XXXX XXXXXXXX XXXX, as well as any other necessary documentation that demonstrates the complete repayment of my debt. Additionally, I possess video evidence of the transaction that took place at the bank branch.

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 2019-10-03
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I asked for help from PHH I applied for a modification I was turned down. 
I asked for a repayment plan. I was given one and told about it 10 days or so before it was due. I tried to male that payment on the website using the western union speed pay and I was blocked from using that. I was not given any instructions on how to pay that payment. Just that there was no grace period. 
They then closed the arrangement. 
I wrote asking for it to be re-opened they claim that they did which I never got an email from them saying that they did. They say they did. 
But if I asked for the arrangement to be reopened because I want to save my home then why would I not pay it? 
I asked for it to be reopened they have not replied. 
I asked for my mortgage to be looked at as Ocwen has many lawsuits and They claim they looked at it and that Ocwen did nothing wrong. But my mortgage was {$43000.00} and now it's over 75,000 Can someone help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
In XX/XX/2020 I made a {$1400.00} instant transfer by my Venmo account to my XXXX XXXX account. They promised money will reach my account in 30 minutes but passed 24 hours and money wasnt in there. 
I called Venmo and opened a dispute and they send me in couple hours a transaction ID number that I could call my bank and find where the money was. I called my bank and they said with that number wasnt possible find any transaction by Venmo to my account. 
I called Venmo again and they said the transaction was completely successful and my dispute was denied. I called again and they said for another kind of tracking number I need to reach a XXXX XXXX  branch manager, get a official letter and send to Venmo. 
I made a lot of transfer before and I know all my account information is correctly. I understand this problem isnt my business and a issue between Venmo and XXXX XXXX. It was a 6 days ago and I still without my money and I can be overdraft if that money doesnt show up asap. Unfortunately I cant waste my time calling everyday and going to the bank to solve this once I tried and I figured out I can do anything more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17
Company: Sequium Asset Solutions, LLC
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
SEQUIUM ASSET SOLUTIONS opened a collections account for {XXXX} to my account and reported it to XXXX, XXXX, and XXXX on XX/XX/2022. The original creditor is shown as XXXX XXXX XXXX. I have no knowledge of this account as I have no purchase any services or good from XXXX in the last 10 years. 

I disputed this negative account on XXXX XXXX to XXXX and XXXX on XX/XX/XXXX but they will not remove it from my account. Only XXXX has successfully removed this from my account. THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED FROM MY CREDIT REPORTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan to get XXXX XXXX at my eye doctor 's office in XX/XX/2016. The loan was serviced through Synchrony Bank. I received the XXXX in XX/XX/2016 at a cost of {$3800.00} at a fixed rate, promotional percentage of 14.90 % for 36 months. 

I have been able to locate payment records since XX/XX/2016 for a total of {$3200.00} paid so far which I have attached a ledger for ( I can only go back 2 years with my bank and Synchrony so I could have paid more ). 

Currently, 24 months into the 36 month loan, I have a promo account balance due of {$880.00}, but a monthly payment due of {$530.00}, which includes a past due balance of {$350.00}. Synchrony says I will be in collections until the {$350.00} is paid. Also, my monthly bill is now {$180.00} vs the original {$130.00}. 

The promo balance, along with the interest rate, within my promo period don't make sense to me. 

I believe I have been charged excessive late fees and am still being penalized for them. I am also being billed different monthly payments from my original amount, which is designed, in my opinion, to keep me in collections since I never know what is due each month. 

My payment started out at XXXX per month, for 36 months. 

My statements are created on the XXXX of each month. The billing date is the XXXX of each month. 

If I missed a payment, I doubled up, sometimes paying twice within a month period ( payment record attached ). When began receiving an exorbitant amount of late notices, I asked the bank why, and they told me if I pay too early in the month, they would still consider my payment as late and charge a fee for the same month anyway ( correspondence attached ). 

I would like for someone to credit my account for all late fees charged within months for which a payment was received early from me. 

I also want all interest charged against such fees to be credited. 

I also want my monthly amount due to be stabilized and consistent. 

I have been called every hour on the hour Monday - Sunday from XXXX XXXX est to XXXX XXXX est by Synchrony 's collections system. As you can see by the attached payment record, I have been making my payments and do not understand the harrassment, nor the exorbitant monthly amounts that Synchrony says I owe. I want this collections harrassment to end. 

I need help. 

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 non-monetary relief
Consumer complaint received 2023-10-30
Company: JPMORGAN CHASE & CO.
State: WV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I am the victim of identity theft. On XX/XX/2023, I received notifications from XXXX, Chase Credit Journey, and XXXX XXXX XXXX XXXX that a hard inquiry had been placed on my credit files on XX/XX/2023, by JPMCB Card. I confirmed that hard inquiries were placed my XXXX and XXXX credit reports. I never authorized these inquires. I contacted Chase Fraud Services on XX/XX/2023. I was informed that someone had applied for a Chase Freedom credit card. This was a fraudulent act that was unauthorized by me. Chase informed me that the fraudulent application had been denied. The reference number provided by Chase is XXXX. Please see the attached identity theft protection kit from Chase dated XX/XX/2023. I placed fraud alerts and later security freezes on my XXXX, XXXX, and XXXX credit reports. On XX/XX/2023, I discovered that XXXX XXXX number XXXX was fraudulently added to my XXXX and XXXX reports. Chase informed me that the fraudulent application used my former address of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX ( a secure apartment building ; the mailbox must be opened with a key ) which is presently occupied by XXXX XXXX XXXX according to voter registration records. I did not, nor did I ever authorize anyone to apply on my behalf for a Chase credit card, loan, or credit line on or about XX/XX/2023. To be clear : the credit card application submitted to JPMorgan/Chase on or about XX/XX/2023, was fraudulent and unauthorized by me. The application was submitted as a result of identity theft. By letter dated XX/XX/2023, which is attached herewith, I requested that Chase forward a copy of the fraudulent application to me pursuant to the FACT Act. My request included a copy of my state drivers license, and an initial identity theft report filed with the Federal Trade Commission. My XX/XX/2023, letter was mailed on XX/XX/2023, via certified mail to the address listed on page two of the attached Chase identity theft protection kit. The certified letter was delivered to Chase on XX/XX/2023, according to the USPS. A certified mailing receipt from the USPS and delivery confirmation information from the USPS website is attached with my XX/XX/2023, letter. I have contacted Chase several times via telephone and email concerning this issue. Chase has yet to acknowledge receipt of my XX/XX/2023, letter, much less send me a copy of the fraudulent application. The application is needed to aid in prosecution. I have attached an updated report filed with the Federal Trade Commission and a report I filed with the FBI XXXX XXXX XXXX XXXX. This is a very serious matter that requires expedited processing. I need a copy of the fraudulent application to be tendered to me forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've been a customer of Wells Fargo since 1996. For many years, I've had an account that reimbursed my non-Wells Fargo ATM fees. All of the sudden, my fees are not being reimbursed and no explanation or indication of these change in account benefits has been given to me. I emailed customer service twice and all they did was respond with a generic copy and pasted response. I'm very upset that Wells Fargo has decided to make my account worse and not even tell me. This definitely qualifies as an unfair/deceptive act/practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: DISCOVER BANK
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I called Discover Card customer service today ( XX/XX/2023 ) and was advised I could not re-allocate my excess over the minimum payment to the Balance Transfer that is expiring on XX/XX/2023. The regular purchase balance at APR 28.24 % would have to be paid in full before I could pay the Balance Transfer at APR 4.99 % that is expiring on XX/XX/2023 The effect is that customers who fail to pay off regular purchases will have zero APR or low APR balances convert to regular purchases at a higher APR ( example, 28.24 % ). Discover Card 's policy to not allow cardmembers to reallocate excess payments is doing more harm by causing some cardmembers to not pay off balance transfers before the expiration date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: TX
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:
THESE INQUIRES HAVE BEEN PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NOT BENEFITTED IN ANY WAY FROM ANY OF THEM LISTED BELOW. PLEASE REMOVE THEM WITHIN 4 DAYS. XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: GFS II, LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have followed the advice of a Credit counselor and sent Gateway Financial certified with return receipts request for them to send me all the properly required documentation in accordance with the proper laws and Syntax of my request. The only response is that they do not have any records of the suspect account. 
After the appropriate 30 day time frame I sent them a day day notice to remove the report from my credit history and they have until now refused to stop reporting a debt for which they have no records. 
The date of my final request for them to delete this file was XX/XX/2021. 
The specific information is : Gateway Financial Solutions XXXX XXXX XXXX XXXX, MI XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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: Account status incorrect

Complaint:
XXXX XXXX is reporting late payments from XXXX when they agreed to put me on a hardship program due to a death in the family in XXXX and loss of job. They advised that I had 120 days to make payment. What they DID NOT advise is that I had to make the minimum payment each month. That does not make sense because then there is no point of the hardship program. 

Then in XXXX I lost my job due to covid. I was effected by a late payout of unemployment money and stimulus payments. XXXX XXXX said that they were going to give forbearance to those effected. As soon as I received the stimulus and unemployment, I paid off the credit card. 

XXXX XXXX is being unethical by denying these issues. Had they given proper instruction, the cards would have never been paid late even. I would have borrowed money to cover the minimum payments had they properly disclosed the process. Their staff inaccurately represented their hardship program.

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Per 15 USC 1681, credit transactionS should not be included on a credit report THIS IS BY LAW A VIOLATION XXXX XXXX AND XXXX XXXX  AND XXXX XXXX HAVE PUT LATE PAYMENTS ON MY CREDIT REPORT WHICH IS ILLEGAL. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. I HAVE BEEN HARASSED BY BOTH OF THEM.

So i'm going to keep this simple. 

THESE ARE TO BE REMOVED IMMEDIATELY FROM XXXX XXXX AND XXXX AND XXXX XXXX OR YOU CAN LET THEM KNOW IM COMING AFTER THEM IN COURT FOR LOTS OF MONEY PLUS THE {$1000.00} FINE PER VIOLATION. 

I WILL ALSO MAKE AN ADDITIONAL REPORT ABOVE THE ATTORNEY GENERAL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am refilling formal complaint to EXPERIAN for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letters to them so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2020-03-10
Company: EQUIFAX, INC.
State: DC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a medical debt collection on my credit report which I have tried to dispute with Equifax. I never received the original bill from my medical provider and it was reported to collection agency. When I inquired about the medical bill and attempted to pay my provider directly, they notified me that the account is closed and transferred to a collection agency. My multiple attempts to pay them directly failed and I eventually paid the collection agency. I have disputed this charge with Equifax. However, my dispute online went to a wrong department. I am not able to see the status of my dispute online and every time I call I am on the phone for 45 minutes and the issue is not resolved. I have asked them to send my dispute to the correct department but I still don't see my dispute status online and I have not received email about it.

Company response to consumer: Closed with explanation