BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Professional Debt Mediation on XX/XX/2021 about them fraudulently posting a collections account on my credit report. As a 3rd party to a 3rd party ( XXXX XXXX XXXX, the people who sold them the debt ) of the original creditor, me the consumer, they had no right to place a collections account on my profile. They got caught committing fraud and violating my rights and immediately removed the fraudulent collections account from every credit bureau in less than 4 days. Removal is an admission of guilt so I am commanding monetary relief pursuant to 15 USC 1692k. Every violation listed below is worth {$1000.00} and should be remitted immediately upon receipt of this complaint or I will seek damages in the amount of {$100000.00} for pain & suffering, defamation of character, and mental anguish.

They violated my rights pursuant to 15 USC 1692c ( b ), 15 USC 1692b ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692e ( 2 ) ( a ), 15 USC 1692 e ( 5 ), 15 USC 1692e ( 8 ), and 15 USC 1692f ( 1 ).

That's 7 violations of my consumer rights pursuant to the FDCPA which is {$7000.00} which Professional Debt Mediation , Inc. owes me. I've attached proof of their admission of guilt/removal for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPTEDXXXX XXXXXXXX Balance Owed : {$57000.00} XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$48000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$57000.00} XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$48000.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-03-17
Company: Global Lending Services LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
since XX/XX/XXXX was my first payment, i never received my statement by mail till date. every time i make my payment i ask the agent, where i call and make my payment he says that its been mailed to me wait, i asked them to repeat my address every thing is correct but i don't receive my statement. global lending services LLC, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX  credit report said I had an 84 % chance of getting the XXXX XXXX 0 % card for 15 months with XXXX XXXX, they did the old bait and switch ( XXXX XXXXXXXX ) declined for that card, but offered a card with XXXX credit limit at 30 % which i did not apply for. THE OLD BAIT AND SWITCH!!! Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Citi risk reduced my credit line from XXXX to XXXX without providing me the proper regulatory notifications. I happened to be traveling when my card declined and thats when I found out that my line had been reduced a week or so ago. I disputed the reasons for the reduction. Customer Service refused to transfer me to someone to review. My only option was to make a large payment. Citi literally left me stranded. I make a considerable large salary, have ALWAYS paid my bills on time and pay this Card in full almost always. Citi is being very deceptive and unfair with their lending practices. This needs to be investigated. They still have failed to provide me proof they notified me of this change.

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 2023-04-10
Company: Credit Karma, LLC
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX and XXXX XX/XX/XXXX two payments to XXXX was made In the amounts of XXXX & XXXX a dispute was put on the account on XX/XX/XXXX after a misunderstanding with Credit Karma Customer Service Agent . It was also understood that it was to be removed .However the dispute wasn't removed from account as stated and it went through. Funds were sent back from XXXX to Credit Karma. XXXX notified me XX/XX/XXXX that funds was sent back to Credit Karma. I called Credit Karma and informed them due to dispute funds was sent back to them from XXXXI was told funds should be back in my account in 5-10 buisiness days from when XXXX first informed me funds was sent back.i contacted Credit Karma again I was informed that dispute was canceled and a provisional credit could not be given since dispute was canceled after that response I called them and was told by a supervisor to provide proof that funds was sent back to Credit Karma before a credit could be issue I provided proof through link sent to email for both payments that was rejected. I was than told a credit should be in my account within 72 hours if approve my case was being escalated to a specialized department if I have any further questions I could contact them through email. I didn't hear anything back from them. I called several times over a course of days I was asked to provide diffrents things something called a trace id number from XXXX in which I was able to obtain both trace id numbers and provide them sent over my ID and several escalations later still nothing. Last conversation was raised emotions I taped it he basically told me it could 60-90 days and I need to stop calling and emailing cause I'm pushing the time frame out more. Now as of XX/XX/XXXX I'm sitting in the dark with my kids and still out {$970.00}. I provided all the proof talked to all the managers sent multiple emails chats and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This is to re-open case No : XXXX American Express didn't explain the discrepancy of upgrade dates between their record and the date that is reasoned from the evidence I provided : I upgraded membership at XXXX and my upgraded card membership fee charged by American Express covers from XXXX. Evidently, American Express 's claim " the card was upgraded on XXXX '' is false and the false claim was resulted from their side of error on investigation ; also American Express can not provide any evidence that on XXXX I provided consent to the disclosure of the new card membership. Moreover, the promotional email was sent to me on date XXXX, which is after XXXX. Therefore, investigation conclusion from American Express has no grounds. 

Last but not least, the full description of the promotion in the email from American Express is below : " Good news, XXXX! You've been selected for an upgrade. As a Blue Cash Preferred Card Member, you can earn even more cash back on the purchases you make every day.

Spend just {$60.00} a week at U.S. supermarkets and you could earn over {$180.00} back per year. And, with this special offer, you can earn a {$250.00} statement credit after you spend {$2000.00} in purchases on your new Card in your first 3 months. Offer expires XX/XX/2018. '' The loose term 'New Card ' can not justify the method American Express was using to calculate 92 days ' period during their investigation on case No : XXXX. Evidently, from XXXX XXXX ( when new upgraded card membership starts ) to XXXX, my expense has met the expense requirement {$2000.00}. 

If American Express still insists on the same conclusion as in Case No.XXXX, I would like to request American Express to provide : 1. A copy of Consent and Disclosure I have signed and agreed regarding membership upgrade on the date XXXX. 
2. A copy of Evidence proving the definition of the term " New Card ''  is explained and included in the promotional email from American Express. 

Failing to provide the documents mentioned above can result in conviction of illegal behavior under FDIC law, regulations, related acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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/2022, I noticed that Capital One Credit Card had XXXX debited my checking account at XXXX XXXX XXXX in the amount of {$1400.00}. I contacted XXXX and they were able to refund the {$1400.00} into my checking account and stop payment to Capital One. I thought that this was going to be an isolated incident. 

On XX/XX/2022, I noticed that Capital One Credit Card had XXXX debited my checking account at XXXX XXXX XXXX again. This time the amount was {$66.00}. XXXX XXXX XXXX again processed a stop payment and did an investigation of why this continued to happen. The {$66.00} was returned to me within XXXX weeks or so. XXXX 's investigation showed that another XXXX XXXX XXXX member with a very similar account number was likely making over-the-phone or some other kind of XXXX time payment and giving the wrong account number. XXXX also initiated a block of some sort to keep this from happening again. 

On XX/XX/2022, I noticed a pending debit transaction via ACH of {$110.00} from Capital One Credit Card in my XXXX XXXX XXXX checking account. I called XXXX. They were able to issue a stop payment for this XXXX transaction. The representative was very helpful at XXXX in listening to my complaints and offering suggestions. 

I asked for the tracer number for XXXX of the transactions hoping to call Capital One and request that they look into these fraudulent ( although perhaps accidental ) transactions. XXXX representatives at Capital One Credit Card told me that since I wasn't a customer, there was nothing that they could do for me. Both of the representatives were rude and didn't seem to care that Capital One was periodically initiating fraudulent transactions in my account. 

Now I am asking for your help in resolving this matter. XXXX XXXX has been great, Capital One not so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a complaint about bank of america I have been thru preditory lending and paying 2 insurance company 's for 3 years and I have XXXX XXXX and I was sent to fight the insurance company for the money back to give to bank of america which was very stressful.This t has caused us to fall back negitive in escrow. I have in writing and the housing councling at HuD XXXX XXXX XXXX XXXX XXXX that we were to pay {$900.00} a month and we had {$2300.00} in the positive for escrow they sent us letters saying our mortgage was {$580.00} and my husband and I got into a big argument about what to pay for mortgage so for four or five months he would only pay {$580.00} and we would be behind {$1500.00} in which we had XXXX in escrow at this point now we are in negitive again. The mortgage asked us to pay was supposed to be broken down into escrow and principle and the have been paying it all to principal only again causing us to be in negitive in escrow.bank has raised our mortgage to {$1000.00} killing us

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 monetary relief
Consumer complaint received 2018-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Unfortunately in XX/XX/2016, XX/XX/2016 through XX/XX/2017, and also XX/XX/XXXX and XX/XX/2018 monthly payments were not submitted on time. It was an exceptionally busy time in my life as I was balancing a divorce, school and in between jobs. My ex-wife was the primary driver of the vehicle and I was unaware of the late payments she continuously made towards this account. I recently received the car back in my possession and paid the account off in full satisfying all past due payments and fees, before I was required to. I no longer associate with the person that let this payment obligation go unattended to and I fully respect my obligations with XXXX XXXX XXXX. I paid the car off in full to amend my relationship with you so that I could regain trust as I begin my climb to fix my credit and relationship with XXXX XXXX. The total amount paid to satisfy the account in full was {$8500.00} between the days of XX/XX/XXXX & XX/XX/2018.

It has come to my attention that because of these late payments with XXXX XXXX XXXX, I'm being rejected for careers in my field as well as hindering me from purchasing a home. As you may know, FICO scores are being used more and more in the selection of applicants. In light of my renewed focus, demonstrated commitment to rebuilding trust with your company and no longer associating with the person who caused these late payments, I'm requesting that you please give me a second chance at a positive credit rating by revising the late payments that are reporting with Transunion and XXXX. I sincerely hope that XXXX XXXX XXXX believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams as well as providing a home for my family to call our own. I appreciate your time and look forward to receiving a favorable decision from your department soon.

Regards, XXXX 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 explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
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:
I have XXXX recent hard inquiries on my credit report that I didn't make. 
They are : Inquiry details XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX ( Hotel and travel ) XX/XX/2023 XXXX XXXX  ( Bank ) XX/XX/2023 XXXX my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX, 2022, I sent a letter requesting the XXXX credit bureaus to investigate every piece of information on my credit report. According to FCRA, credit bureaus are supposed to investigated these items. They have sent me notification that the items were verified. They didn't do a proper investigation according to the law. Every piece of information listed on my credit report is still not 100 % accurate. 
The credit bureau has violated 15 USC 1681. The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ). The following accounts were not properly investigated : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX, 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 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I contacted XXXX XXXX on XX/XX/XXXX about them violating my rights as a consumer and committing fraud by reporting late payments to my account without my express written consent to do so. Their fraudulent activities are outlined pursuant to 15 USC 1692c ( b ) : Communication with third parties- Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. XXXX  XXXX had no prior consent from me, the consumer and natural person, to report these late payments, or the entire account for that matter, to my consumer report and they are in violation. 

Also, pursuant to Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX. All " late payments '' XXXX  XXXX posted on my consumer credit report were in the years XXXX, during the pandemic. They are in violation of the Cares Act by posting these late payments to my report while they had active Coranavirus Relief programs going for all of their customers.

Furthermore, pursuant to 15 USC 1666 b ( 4 ) XXXX XXXX is in violation of my rights as a consumer. 15 USC 1666 b ( 4 ) states : Billing error - For the purpose of this section, a billing error consists of any of the following : The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. All statements have shown the amount due as positive but how can my payments be late when the balance shows as a positive and not a negative. They can't their statements prove that the " bill '' is already paid.

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 2022-10-15
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I had a check that was stolen from a personal mailbox on the XXXX of XX/XX/2021, I called the police and a report was made. My check was cashed at a Wells Fargo bank. The person who cashed the check forged the signature. My bank XXXX has checked with Wells Fargo numerous times they tell me they can't force them to return the money I just have to wait for their decision. The amount of the check was {$1500.00}. Clearly Wells Fargo made a mistake cashing the check it has been almost 1 year now. 

A couple of weeks ago I met with the manager of my XXXX  branch and he was on the phone with the claims department for almost 30 minutes, he was helpful but ended up getting the same answer I received when I called the claim people which is they can only wait for Wells Fargo to make a decision, I really don't know what to do I am worried they will not return the money. If you need more info let me know, 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