BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-20
Company: ALLIED MORTGAGE GROUP
State: PA
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:
Hello, There are 3 errors on my credit report : 1. My loan type is FHA and its states that its an Conventional Loan. 

2. My loan is not backed- up by FHA and my mortgage lender is charging me a fee to FHA because they missed up on my loan. FHA rejected my loan. I request information in writing from Allied Mortgage but they refuse to send me any documents in writing. I called FHA and they told my that my loan is not insured by them. 

3. My loan was closed in XX/XX/XXXX and I was not notified until XX/XX/XXXX. I made a payment via XXXX in XX/XX/XXXX and my payment was denied because they were no longer holding my account information. Once they told my who service my account, I made my payments via once I received the new information. XXXX XXXX has my payments are late 90-119 days in the month of XX/XX/2021, however XXXX has no information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: FISERV INC.
State: IA
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:
This correspondence is a complaint and should be recorded and tracked as such. 

On Friday XXXX, XXXX, 2023, I went to XXXX XXXX in XXXX, Iowa to purchase a dryer for a rental unit my husband and I own. Over the years, we have purchased many goods from XXXX XXXX using cash, credit, and/or checks. I wrote a personal check ( Check # XXXX ) for the amount of the dryer, vent kit, cord, and taxes. in the amount of {$700.00}. There were more than sufficient funds in our bank account and we have maintained accounts at this bank for some years. 

The clerk ran the check through Telecheck and the check was " denied '' with no specific reason provided. Effectively, Telecheck denied my credit. I immediately told the clerk I wanted to speak to a manager who came over. My husband was out of town, so I called and put him on speaker phone. My husband said to take the check and leave and he would buy a dryer at XXXX when he came back to town. 

The manager was very apologetic and agreed to process my check as cash, which he did. So, I was able to purchase the dryer without using my own credit cards or applying for a XXXX XXXX credit card. The fact remains ; however, that Telecheck denied, or recommended disapproval to a retailer of, my check and has provided me with nothing in writing. The clerk handwrote " XXXX '' on my order but I don't know whether this is a denial code. This transaction happened in the public area of the store with other customers milling about. 

I attempted to use the Telecheck website to find out but couldn't get through on the website. I phoned Telecheck and it wanted an excessive amount of personal information about my bank account and me, which I am wary of providing because I do not know what will Telecheck will do with it. 

Telecheck had no valid reason to deny a check from my account or recommend that a company not take it. I request that your agency investigate Telecheck to determine why it is denying or recommending that a retailer not take a check from a bank customer 's long term account where there is sufficient funds in the account. Further, I request that you investigate the algorithms that Telecheck is using to deny me the right to use a valid check ensure that it is not unlawfully discriminating against any subgroups of individuals based on, but not limited to categories such as age and gender. 

Specifically, I would like to know whether Telecheck has violated the Equal Credit Opportunity Act or the Fair Credit Reporting Act or any other laws. 

Thank you for your attention to this matter, and I look forward to hearing from 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 2022-12-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I opened an account with Wells Fargo in XXXX Texas I then received a check from Wells Fargo bank and they deposited into my account knowingly that it was a scam and fraudulent however they charge my account took my direct deposit from my XXXX to pay that off and the check was from their company on one of their accounts and they fraudulently scan me out of money

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 2020-06-16
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in a settlement to XXXX  XXXX XXXX in XXXX of 2020 yet still reported as late and unpaid. I am only responsible for half of this debt and have a divorce decree I offered to provide documentation however was told I was still liable for the debt. I then asked if I could settle the debt since it is currently affecting my credit score. I have yet to receive anything in writing however the account was paid.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was CAPITAL ONE BANK USA NA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been a chase customer for years Since XX/XX/2022 I have been having troubles accessing my online banking account I have called Chase multiple times They Never fully fix the problem When I went to my main branch so they can contact Chase customer support for me they told me I would never be able to use the Chase online banking As a chase customer Through continuing to talk to customer support they have worsened the problem they have accuse me of fraud and Unrestricted access to my card Almost leaving me stranded while I was on vacation I would very much appreciate your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 initially contacted Transunion on XX/XX/2021 via written communication concerning an item listed in collection for the amount of {$210.00} published on my report by XXXX XXXX XXXX. I disputed the item as " questionable '' as I have no idea as to why this is listed on my report. At the time of initial dispute " Affected by natural disaster '' was reflected in the comments. Prior to obtaining a copy of my credit report I had no communication verbal, written or otherwise with the collection agency nor have I recently been affected by a natural disaster. 

The result of that dispute was that the item was " verified '' and the " Affected by natural disaster '' comment was removed. I subsequently submitted a dispute for method of verification on XX/XX/2021. I asked specifically for ALL correspondence and conclusive documentation of my ownership of alleged debt. The response I received on XX/XX/2021 was a general response as to how Transunion conducts its investigations. It is my belief that this item in fact has not been verified and they have failed to comply with my request to properly investigate and delete from my report. 

To date, I have not received any form of response from XXXX XXXX XXXX as result of this indirect communication. The item in question is still published to my credit report and the collection agency continued to report while in dispute.

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 2022-07-22
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Starting around XXXX XXXX best buy had a problem sending my my bill, providing it online, or providing promotion terms over the phone. Customer service phone lines had hour waits. 
The major of items I purchase at best buy is on XX/XX/24 month zero interest deferred offers. I try to keep track of them and for about a decade I paid them off on time. 
During this time I paid XXXX of dollars as payment toward offiers on the credit cardeven though I did not know where we were on the payments. 
Finally in XXXX I paid a large amount of best buy charges off. Best buy acknowledged they messed up with billing. They refunded me {$210.00} in interest charges and they were to remove a interest I was charged. They never fixed the interest charges. 

In addition other items I bought under promotional offers I would get a price adjustment or the product was returned. Best Buy then would change promotional termswhen they were not supposed to and I get billed for interest. 

Finally items I have purchased would vanish or order not be fufiiled but I got billed for the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: DISCOVER BANK
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
discover card : sent bill made the payments, discover card : months down the road prints wrong address on bill, still made automatic, payments discover card : raises interest rate bill payments goes up, all notification letters go to wrong address, automatic payments still continuing.

discover card : fees go wild unknown to me. they call after months.

discover card : corrects address suppose to clear up fees.

Discover card every month clears up fees if I call, five months go by and continuation of late fees go on.

Discover card now says nothing more they can do I have to pay them all the extra fees which added up five months worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX today received a phone call from a company called XXXX who works for ace cash express. And apparently are wanting to contact my place of employment and i told them i at work when i was called. Being told i was being sued for {$130.00} was insane. Im a XXXX vet and its hard enough to not have to deal with people like them. They wan na go to court very very pushy. The company XXXX keeps pushing for information to send paperwork employment my home. Ive gotten emails in the past about this same situation and i know that they can not tell my employer about this either. Going to court for XXXX $ is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Velocity Portfolio Group
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently received notice from my human resources department, that a company named Velocity Investments LCC is trying to garnish my wages. Prior to this garnishment notice, I have never heard of this company. This garnishment attempt is a violation of my federal rights under the Fair Debt Collection Practices Act. A creditor can not attempt to collect a debt without first providing notice of said debt, and giving them a right to dispute it. 

Also, I believe they are violating my rights under Virginia state law. The statute of limitations to collect a debt in the state of Virginia is 6 years. I have access to my credit report with all three credit bureaus. I do not see anything on my report from Velocity Investments , LLC ; not even in my public records section. So this debt is well over 7 years old, and has already aged off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
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:
Sometime in XXXX I did not get XXXX auto loan. I got to own a car do also have driver license. I don't got nether I git a i.d . card and personality I XXXX  of getting judged on my report like I opened self and it disappeared when my idebty was being stolen from me in XXXX  year XXXX. If I don't go the no license and I got no car. I got no kebder no XXXX XXXX no nothing this is still against me. I also see that my ex family gif a lol loan in Oklahoma I mean really is this easy to truck a person

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 2022-08-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ORGINAL DEBTOR : XXXX XXXXXXXX BANK XXXX XXXX : PORTFOLIO RECOVERY ASSOSIATES, LLC Original problem- I paid XXXX XXXX Bank on time every month. I'm On SSI, so when i got paid 2 days early one month I paid COB 2 days early. They put that amount into the month prior. I tried to get them to shift the payment to The next billing period but they wouldn't. I didn't have any extra money to send to them so I Told them they aren't getting anymore out of me. 

Current problem - They sold my information to Portfolio Recovery Associate 's, LLC. 
Ever since then its several phone calls a day. One in which is an aggressive sounding voice message. Not only that but they never gave me a notice informing me of my RIGHTS to dispute nor a form to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: GA
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Chase Auto failed to process multiple final payoff payments on a 60 month car loan. All payments were made online through the customer 's Chase account center and there were no issues for any of them until the last one, XX/XX/2016. After investigating with Chase, they claimed the reason ( s ) the payment attempts failed was 1 ) it was an autopayment and the loan agreement stated that the last payment can not be autopay and 2 ) all subsequent manual payments online failed to process because the customer 's bank XXXX XXXX XXXX was a virtual bank, which Chase claims they can not process payments from. This second statement is completely inaccurate since Chase Auto processed payments from this same bank both before and after the last payment on the auto loan in question. Lastly, during discussion with Chase Auto credit dispute specialist, customer was informed Chase is unable to submit a dispute on the customer 's behalf to the credit bureaus and then later on the same call the Chase Auto credit dispute specialist said that a dispute from Chase was submitted on the customer 's behalf. There were no other payments that failed to process before or after XX/XX/2016. Chase Auto credit dispute specialist also said that because the customer 's bank was a virtual bank, there was no way Chase could assume fault for the payment not processing successfully, despite no payments from this bank failing before or after.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: NC
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 am very distressed due to the fact that I have been contacting Equifax since XX/XX/2021 about the incorrect information on my credit report. They have been sending me stall tactics and they have violated my consumer laws. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

This is the account that is incorrect and needs to be deleted and blocked XXXX XXXX XXXX This inaccurate information is causing me distress and it is going to continue to cause me stress until they remove this account. It has been over 4 months they have been violating me and wasting my time. XXXX  deleted the account because they violated my consumer rights!

Company response to consumer: Closed with explanation