BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Spring Equity LLC
State: PA
Product: Credit reporting 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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX the company checked my credit more than one time for only one account. 

XX/XX/XXXX XXXX companies reported inquiries I did not authorize. 

XX/XX/XXXX a company reported an inquiry I did not authorize. 

XX/XX/XXXX a company reported an inquiry I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: MoneyLion Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have been trying to cancel this account and completely remove my information since XX/XX/2022! They will not remove my information! They continue to charge me monthly for these services! This is so so horrible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Follow-up on Case #  XXXX  On  XXXX   XXXX ,   XXXX   at  XXXX , I received a call from Chase introducing herself as  XXXX   XXXX   from the   executive de partment. The number that registered on my phone was  XXXX . I was suspicious of that call because of the questions she asked me and she concluded right away that my accounts were closed and she said that since I sent my complaint to CFPB, if I remember it right she mentioned that I should be receiving from CFPB a letter confirming what she told me that my accounts were closed. I have doubts about her because since my whistle blowing, in my experience I have encountered several people posing as someone who is authorize to give information, as if the calls were legitimate. Yesterday,  XXXX   XXXX , she called me again to ask the address of the branch that I have complaint about when last  XXXX   XXXX  she insinuated that my case was closed. This time the number did not register on my phone. When I asked if that was how the bank would handle a complaint, I did not get a satisfactory answer. The complaint I prese nted was more about closing an account. I also received a letter from Chase Executive de partment acknowledging that they have received my complaint but the letter was not signed. When I was typing the complaint last  XXXX   XXXX , I noticed that there was a notification that someone was editing what I was typing. When I printed the complaint, it showed that I did not address my complaint to the bank. I did. I have gone to the bank to ask for the release of my settlement a lot of times.  Maybe ten  times. If the settlement was released to me, I would not have mentioned other grievances with the bank. I am filing this complaint because I am suspecting that this network is again intercepting any communications to me about this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Home Depot Credit Card that I pay off fully every month and have not missed any payments or been charged any late fees. I noticed printed in the middle of the statement that " You must pay your promotional balance of {$82.00} in full by XX/XX/20 to avoid paying deferred interest charges '' and another that states " You must pay your promotional balance of {$7.00} in full by XX/XX/20 to avoid paying deferred interest charges '' I called the company and they told me that when I pay my statement the money goes to charges ( revolving credit ) that have not been paid yet ( in the 25 day grace period that have not been billed yet ) and the rest goes towards the promotional balance. The only thing that I can figure is that the grace period is negated if I purchase something over a certain amount. I've told Home Depot it's illegal for them to charge me interest during the 25 day grace  period.

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 2023-09-03
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pulled a copy of my XXXX XXXX, Equifax, and XXXX credit report and noticed that I have been a victim of Identity theft. I am in disbelief and this is very XXXX breaking as I am in the process of becoming a homeowner. I tried removing these fraudulent accounts, inquiries, and addresses in the past but nothing changed. The credit bureaus are not abiding by the FCRA Laws 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-01
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Filed previous complaint # XXXX, wells Fargo denied complaint because of previous court litigation regarding " robo signing illegalities. ". 

Wells Fargo did not acknowledge nor address their " robo signing illegalities, '' with regards to the foreclosure documents that I received that were not signed nor notarized. 

The court didn't address robo signing illegalities either. 

Their was a national settlement foreclosure agreement that includes wells Fargo. That agreement specifically states '' settlement does not release private claims by individual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I have always paid my care credit on time and more then the minimum total they said I did n't acknowledge some advertising or promotion I never saw I explained it to them and they refused to take the {$600.00} they added to my credit card. I never have seen in writing nor documents on my phone stating this.

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 2023-10-18
Company: Business Financing Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Myself and my fiance signed for a very bad loan program to help fund his small business. After medical issues and not being able to pay, we defaulted on the loan. We were contacted by several people with several companies about the debt to pay back. They offered to do payment plans. When I told them what we could pay towards the debt, they said they had to see all of each of our bank statements, we told them the account was closed after they over drafted. I was receiving unemployment benefits. After figuring out who was responsible for holding the debt, I again stated we could pay a certain amount each month but we were not providing any more bank statements. Since then we havent received contact until they sent an email today with all of our old email accounts including ex spouses and family members with the details of our default and to contact them for payment. This loan was a scam from the beginning and now they are harassing us and threatening us personally if we do not provide them bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Debit charged to my account on XX/XX/XXXX ( XXXX XXXX no longer appears, and the money is still gone. 

Second round with Bank of America, same issue.

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 2023-09-03
Company: WELLS FARGO & COMPANY
State: CA
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 paid my minimum payment for 2 months before the XXXX of the month and Im looking at my account was charged delinquent for XXXX of 2023 from Wells Fargo Credit Card Services

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 2023-09-11
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX. 
PayPal , Inc . 
{$950.00} reference # : XXXX I do not use PayPal for anything, ever. 
I have XXXX idea what this debt is in reference to. 
Their mailing has no validation for the debt. 

XXXX XXXX XXXX XXXX is collector that sent the attached letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My credit report is showing late payments to CAPITAL ONE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CAPITAL ONEs customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I recently got a job at a firm that audits Wells Fargo and in order to avoid financial independence issues going forward, I am trying to close my Wells Fargo credit card account XXXX. However, for some reason the account closure functionality on Wells Fargo 's self service online portal does not work for this account.

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 2023-10-18
Company: Northstar Location Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi XXXX I have got debt mail form XXXX XXXX XXXX XXXX my XXXX I dont even know about this mail I have just saw few days ago and there I dont understand why Im getting this all amount high which I dont have credit that much and I see there they charge extra $ plz reach me clear this all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Sent modification paperwork since XXXX XXXX XXXX XXXX and no record see proof! Doulbe my payment for {$800.00} to {$1600.00} cant pay that went thru a divorce need help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Southwest Business Corporation
State: KY
Product: Mortgage
Sub-product: USDA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Two attempts made to properly fill out these forms. Both times rejected, assumed destroyed, and new ones re-sent, due to me not meeting previously untold requirements, according to SWBC, namely in-person notarization, and particular fields of information that allegedly went unfilled, even though thorough review of the 2nd signing attempt was overseen and notarized by an experienced notary public. 

A letter suddenly received days later ( dated XX/XX/2023 ; was not officially notified via email until XX/XX/2023 ) declaring the entire application for foreclosure prevention is now rejected and that I am ineligible, due to an unspecified deadline overrun for the forms to be submitted. Assuming this news is correct, my home will be foreclosed on as early as XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I incurred a medical charge to XXXX XXXX in early XXXX in the amount of {$70.00}. At the time I was living on a boat and getting mail at the marina. 

In XXXX of XXXX I moved to land, and not all of my mail was properly forwarded. I never went back to XXXX XXXX, and I learned of the charge the following year. 

In XXXX of XXXX, I sent XXXX XXXX a check in payment of the charge in the amount of {$70.00}. This check was cashed by XXXX XXXX in payment of the debt. 

XXXX  credit reports refuses to take this charge off of my credit report, as the collecting agency, TSC Accounts  Receivable So, XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX, ( XXXX ) XXXX claims that I still owe XXXX XXXX {$90.00}. This claim is false, I paid the charges in XXXX of XXXX and my check was cashed by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
For the company to do what is fair and equitable to me as a consumer by updating and removing the late payment remarks on the items that I was never late in.

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 2023-01-29
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I wasn't able to use my paypal account due to the statement which is my account is being permanently limit. I had no idea of the possibilities that my account had become. Please help me with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Starting XX/XX/XXXX-to now XX/XX/XXXX I receive over 20-to 30 calls or more a day. Now at the resident that live at which doesn't belong to me, the owner is now getting harass and they are taking his picture and threats. Random people are showing up blocking the owner drive way and will not leave and sit and wait. The complaint is from portfolio recovery associates LL. The original creditor is XXXX credit card and my account was close showing on my credit report XX/XX/XXXX. Threats are calling me that I'm going to be arrested, served and now never ending. I'm being sued and a citation issued to XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter on XX/XX/XXXX with it dated XX/XX/XXXX stating I had an outstanding balance of {$2800.00}. I checked XXXX as well as XXXX to see if this balance exists and it doesn't under my name. Towards the bottom of the letter it states " this is communication from a debt collector and is an attempt to collect debt '' and right above that it states that by renewing this debt they still start a lawsuit against me which means this is a debt that was reported off and they are attempting to reage this debt, or this debt was never under my name.

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 2023-09-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit 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:
I have been charged a cash advance fee and interest on a {$9.00} XXXX charge that was for a purchase of goods/services even though I have never been charged such in the past year. I requested that Chase reclassify as regular charge as in past and remove the fee and interest but they refused. Asked to dispute charge and they refused to open a dispute. 

Transaction Date : XX/XX/2023 Amount : {$9.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent and placed several telephone calls to TransUnion and XXXX regarding the Bankruptcy that listed on my credit report that I am requesting to have deleted immediately and a financial compensation of {$3000.00} granted to me due to the financial harm it has caused me. Over the past several years the alarming rise in identity theft due to security breaches arising in part from the growing amount of personal data on individuals that is now available electronically through public sources, has prompted the federal courts to amend the Bankruptcy XXXX XXXX and XXXX, which took effect XX/XX/XXXX. I have recently been contacted by XXXX that my information was exposed in their data breach in addition to my personal information being compromised in the XXXX, XXXX, and XXXX data breaches. 

These rule changes require the United States Trustees and the XXXX XXXXXXXX trustees to change certain procedures relating to debtor identification. Rule XXXX was amended to implement the Judicial Conferences privacy policy limiting disclosure of a debtors full Social Security number ( SSN ) on bankruptcy petitions to only the last four digits. Because of this fact, how can the Credit reporting bureaus verify that the bankruptcy based on this policy utilizing the XXXX system belongs to me by reviewing the last 4 digits of a social security number. 

Also, Rule 2002 ( a ) ( 1 ) was amended to require the Bankruptcy Clerk to include the debtors full SSN on the Section 341 meeting notice that is sent to creditors, the U.S. Trustee, and the case trustee, but not on the Section 341 meeting notice that becomes part of the court record. Again, because of this fact, how can the Credit reporting bureaus verify that the bankruptcy based on this policy utilizing the XXXX system belongs to me if my full social security number is not included in the court record. 

In addition, I am attaching a letter from XXXX XXXX who is a XXXX party data furnisher for XXXX, and they do not have a record of me in their system. I have submitted a request to XXXX XXXX on 3 occasions and each time have been told that there is no record on file for me. I am also attaching an email from the XXXX USCOURTS branch, and it states that XXXX  does not contact consumer reporting and credit reporting agencies. XXXX  simply provides access to federal court records.

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