BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The Credit bureaus stated XXXX XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute.

They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} The Credit bureaus stated XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute. 
They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}

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 2023-04-03
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
Fraudulent purchases were made using my stolen Navy Federal debit card. Location of purchases and amounts of purchases are inconsistent with purchase history. For example, purchase history since the date card was acquired years ago ( over 400+ purchases ) shows no purchases at XXXX XXXX Yet person who stole card went to XXXX 11 times in 14 days. I asked to be reimbursed for the fraudulent purchases via website. Was denied, but not given reason for denial. Submitted additional information via website and was denied on second review, but again, no reason given for second denial. Met with branch manager to gather more information, but they could not tell me why denied again. Spoke with fraud department twice via phone and they could not tell me why my claim was denied. To date, no explanation as to why I was denied. I was told I could submit a third appeal, but without knowing why previous claims were denied it is impossible to prepare another appeal that will be effective. Banking laws should be changed to protect consumers and give them due process when they become victims of fraud. Navy Federal should be made to explain how they reached their conclusion since it is my money that was stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies. See the list bellow : 1. Identity Theft JPMCB CARD Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX** This is not mine.

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX** This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act has Receivable 's performance management LLC. 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.

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 2020-10-02
Company: Flagstar Bank, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This has happened multiple times. I'll use today ( XX/XX/2020 ) as the basis for this complaint. This bank routinely pushes checks I have written through my account without ever showing them pend. My paycheck however begins to pend on Wednesdays, however it is not released to me until Friday morning. I monitor my account closely, my wife is always able to go deposit money if something comes through, but I'm never given the opportunity because they run checks through overnight without ever showing them pend during the day. Yesterday and last night ( XX/XX/2020 ) I was closely watching because I knew there was a check in the amount of {$200.00} out, but it never showed up in my online banking until this morning ( XX/XX/2020 ). However, this check has now been dated for XX/XX/2020 and rejected before my paycheck stopped pending and was labeled a deposit. I have filed a complaint with a XXXX at their corporate office who told me this practice is illegal and has previously reimbursed me for the times it has happened. She instructed me to call back if it happens again, this morning when I called and requested to speak to a manger my request was denied.

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 2020-10-02
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at XXXX, I received a text from PayPal : " For your protection, we've limited certain features in your PayPal account due to suspicious activity. Log in to resolve the issue. '' I also received an email. 

I went to my online account and saw nothing suspicious so I contacted them through their messaging system. I was advised I needed to provide information such as a picture of my license, utility bill or banking statement. 

I have called several times since XX/XX/XXXX to speak to someone, there is no answer. The messaging system is automated. I haven't worked since XXXX, I was sent {$40.00} on XX/XX/XXXX not realizing I wouldn't be able to get my funds. I found a number on XXXX, I called and it was PayPal Credit, I spoke to XXXX who told me PayPal isn't answering their phones and he has no number for them. Once I told him my situation he gave me a number XXXX. There, I spoke to XXXX who was very kind, she said PayPal picks accounts to verify identity of the customer. She would escalate my issue to the " limitations department '' let them know, I haven't received the phone call I was promised via the message center. 

I have told the message center, I was no longer sending information after sending a copy of my license. 

I received a call XXXX at XXXX from XXXX at PayPal XXXX He said he needed a copy of a utility bill and a copy of my bank statement. He stayed on the line with me as I submitted my XXXX bill and I was going to send a copy of my statement without the account number. He said they needed the first page of my statement with account number and all of the transactions on the statement. I refused to submit that information. He said if they don't receive that, my account will be held for 180 days before the funds are available. 

I told him, I didn't have to show that much detail when I bought my house, so there was no way I would submit that information to PayPal over the internet, let alone my bank would advise me NOT to do that. It doesn't make sense. 

I checked their XXXX feed and there are hundreds of customers who have the same issue and complaint. Two personal friends received the same email I received. I checked consumer affairs, same issues and complaints as well as XXXX  page. 

I need help with this situation. It's not just about {$40.00} it's the principle that there is no suspicious activity on my account. The day before a bill was debited from my account. I have other bills I use PayPal for. I'm not even able to refund the money to my friend. 

Thank you for the assistance to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove theinformation from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4business days after the receipt. Also, the information provided on some items areUNKNOWN to me and REMOVED from other bureaus and I have doubts about theiraccuracy. XXXX XXXX XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX  XXXX  XXXX BalanceOwed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Owed : {$5000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX BalanceOwed : {$550.00} ; XXXX OF MO XXXX XXXX Owed : {$0.00} ; XXXX XXXX Owed : {$3600.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$720.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$430.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXX ) XXXX BalanceOwed : {$8400.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Owed : {$61.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX BalanceOwed : {$930.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Owed : {$760.00} ; XXXX XXXX  XXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$17000.00} ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 2020-10-02
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the creditor about these 2 accounts via telephone when i saw them pop up on my credit report to validate these debts..they could not do so ... .I disputed these accounts with the credit bureaus and penn credit " verified '' them ... how can this be validated and verified with all of the incorrect reporting on the report? first off ive read on line that having a letter in the account number is a violation of metro 2 5 points of compliance yet both the account numbers contains the letter C in them, the dates of last active and dates of last reported are all inconsistent throughout all 3 credit bureaus ... .all of the comments are inconsistent as well through the 3 bureaus ... .there are multiple violations..there is no way that penn credit, the original creditor or any of the 3 credit bureaus did an full and complete investigation when the reporting is totally inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Wells Fargo had a credit card offer in XXXX with 3 % balance transfer fees with 0 interest. I emailed, then called to ask if they could match my XXXX limit of {$20000.00}. I told them I was only interested in an account if I got the same credit limit so I could make a substancial balance transfer. They told me on the phone I had to complete their application and they would answer me by mail. A week later they send me a card with a {$2500.00} limit. I called that day and told them I did not open the account, I only made an inquirey. I cut up the card and told them to void the account. They not only kept the account open but made a payment to my XXXX account without my permission and are billing me with fees. I've called, I've written to them. The bills keep coming and now this bogus account is on my credit report as late. In 19 years of credit history I have NEVER been late on a payment. Wells Fargo continues to open fraudulent accounts. Pease help!

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 2023-03-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased home XXXX XXXX and obtained insurance from XXXX XXXX acct # XXXX as XXXX XXXX  as my servicer. The insurance was paid through my escrow during closing. XXXX XXXX transferred my loan to Lakeview Loan Servicing in XXXX of XXXX. XXXX XXXX sent 2 invoices for insurance payment in XXXX of XXXX and XX/XX/XXXX, both invoices were not paid. Late XXXX of XXXX I received a letter stating Lakeview Loan Servicing would be placing lender place insurance on my home. I called Lakeview loan servicing and spoke with the who instructed me on uploading the new XXXX page to the claim to deter lender placed insurance. I uploaded the document XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I received a letter stating force place insurance has been added due to no homeowners insurance. I never missed a mortgage payment XXXX XXXX and Lakeview loan servicing violated my RESPA Section 6 rights. Neither paid my insurance per the federal responsibility as my loan servicer. With an FHA loan, I am required to have an impounded account. As of now XXXX XXXX will not re-instate or provide new coverage due to non-payment. I have to seek different at a much higher rate due to breach of contract by the servicer failing to pay the policy premium. RESPA does not require borrowers to maintain an escrow account. It is the lender 's decision whether the borrower must maintain an escrow account for the purpose of paying taxes and other items ( also, certain government loan programs or lenders may require escrow accounts as a condition of the loan ). Neith Guaranteed nor Lakeview can explain why the invoice were missed. Ironically, I received my 1-yr anniversary escrow analysis which is the review of taxes and insurance, but no one mentioned non-payment of insurance. When I spoke with XXXX XXXX of Lakeview Loan servicing, he stated my funds were sitting in escrow and acknowledged that the XX/XX/XXXX, email of my XXXX page was received. 
My rights have been violated, per lender requirements the servicer breached the contract when they failed to make payment, my mortgage has increase, the new insurance policy premium is higher, I have been sanctioned by insurance for lapse coverage all because I am required under FHA loan agreement to have an impounded 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 2018-11-16
Company: HW Holding, Inc
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/XXXX to XX/XX/XXXX, I was contacted by Hunter Warfield Collection  agency regarding payment to XXXX XXXX XXXX for apartment that I did not live in. They keep calling and sending notifications to my personal home for a balance of {$9300.00}. 

I told them that this is not my debt and this debt belongs to XXXX XXXX who lived there. I did co-signed for her to get an apartment in XXXX ; however, due to safety and security so she told me that she provided the rental office a letter of her leaving the apartment three months before it was up. 

I asked them just on this past Tuesday, XX/XX/XXXX to not to call me and if this is amount that you say I owe, please provide the documents that XXXX XXXX XXXX has sent you for it does not amount to what you are saying. 

I have documentation from the person that was living there and she stated that this is not my debt and that she sent a check of in the amount of {$1400.00} on XX/XX/XXXX for which it was notarized to a debt amount of {$9000.00} with a settlement amount of {$4400.00}. 

What can I do to get this off my credit report for All 3 bureaus? Plus for the state of Maryland statue limitation is 3 years. It is more than 3 years since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I, XXXX XXXX, did not consent to, authorize nor benefit from any of the following inquiries indicated on the attached Theft 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 2019-04-02
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
My husband and I leased aXXXX XXXX XXXX VIN No. XXXX and regularly paid the monthly lease payments for 36 months. When the lease was about to expire we inquired with te XXXX Honda dealer about our options. Wewanted to understand whether it would be more advantageous to turn in the vehicle and pay the fees associated with the extra mileage/damages to the car or trade the vehicle in for a new car on terms adjusted to account for such extra mileage/damages. Ms. XXXX XXXX ( buying advisor at the Honda   dealer in XXXX ) wrote to us on XX/XX/XXXX stating Iwill be honest with you XXXX, I can't promise you any pricing until you come in and get an appraisal done. They have to see your vehicle because that works into the final numbers. On XX/XX/XXXX, Ms. XXXX wrote that That's fine XXXX, we'll do the appraisal and then get the numbers and you can make your decision. Make sure they ask for me when they come in. As a result, we brought the XXXX XXXX in so that it could be appraised and make an informed decision as to the best course of action. Thereafter, the dealer prepared an offer for a walk away at XXXX down + XXXX per month. On XX/XX/XXXX we wrote to Ms. XXXX with the following counteroffer if you can grant us XXXX miles per year instead of XXXX, we will sign your offer XXXX ( walk away at XXXX down + XXXX ). Please confirm or reject. On XX/XX/XXXX, Ms XXXX answered My Manager agreed to the deal, he needs to know what color you were looking for as we have to get one in for you. Our decision to trade in the leased carwas based on the terms presented to me as a walk away after Honda had the opportunity to appraise the XXXX to find out the cost associated with the extra mileage/damages on the car. The agreement was to trade in and walk away from the old XXXX for a newHonda AND pay a higher amount to cover for the damages associated with extra mileage and wear/tear of the trade in. Absent the walk away option we would have never accepted Hondas offer and would have turned in the vehicle without committing to a new lease at a much higher price for additional 2 years. Any attempt to provide a different interpretation of the facts as detailed above is clearly contradicted by the correspondence exchanged with the Honda dealer and contrary to the most basic common sense. 
Honda is now demanding payment of {$6600.00} in connection with the XXXX XXXX  XXXX recover the damages to the old car even though they agreed to a walk away in exchange for a higher lease payment ( almost {$700.00} per month ) on the new XXXX XXXX XXXX car my husband and I leased after turning in the XXXX car. They are attempting to collect twice for the same item.

Company response to consumer: Closed with explanation