BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I HAVE TOLD AARGON TO CEASE AND DESIST ANY COMMUNICATION WITH ME. THIS MEANS BY MEDIUM, INCLUDING MAIL. I HAVE JUST RECEIVED A LETTER BY A PERSON BY THE NAME OF XXXX  XXXX   IN THE MAIL THAT THEY ARE ATTEMPTING TO GAIN INFORMATION FROM ME TO PROVE THAT I AM A VICTIM OF IDENTITY THEFT. I AM NOT REQUIRED TO PROVIDE ANYTHING TO THIS COMPANY AS I DO NOT OWE THEM ANYTHING AND HAVE NOT ASKED THEM TO INVESTIGATE MY CLAIM OF  IDENTITY THEFT. CONTACTING ME AFTER I HAVE GIVEN THEM INSTRUCTIONS TO STOP IS A DIRECT VIOLATION OF THE FDCPA 15 USC 1692c(c) et seq.THIS COMPANY IS STILL SAYING I "OWE" AN AMOUNT OF XXXX AND IS STILL TRYING TO TO COLLECT ON THIS DEBT I TOLD THEM I DONT OWE. THIS CONTINUED CONTACT WITH ME AFTER THEY WERE TOLD TO CEASE AND DESIST IS ALSO A VIOLATION OF 15 USC 1692d AS AARGON IS CONTINUING TO HARASS ME. THIS FURTHER COMMUNICATION WITH ME IS DISTURBING TO MY PEACE AND CAUSING ME EMOTIONAL DAMAGE AND HARM.

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 2021-02-12
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have recurring payments setup via PayPal for my XXXX services. I've had my PayPal " preferred '' payment method as my credit card for years, yet somehow they keep defaulting it back to my debit card as the payment method. My monthly XXXX just came out and surprise surprise, it came out of my debit card even though that isn't my preferred payment method ( and never has been ). This happens repeatedly with PayPal ... ... .it 's no doubt a UDAAP violation as they do not want to pay credit card fees, so they default to debit cards you have on account on a regular basis. It's deceptive and they have been doing this for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have attempted to contact Capital One via Email, Phone and most recently Physical Mail, within various points of the last year. I have had no verification, communication, follow-up about this debt. I am asking that they remove the debt from all credit bureaus for neglect to verify any evidence of the debt, within more than a reasonable amount of time. The next step will be legal action if not complied within 3 Days of Capital One receiving this notice, which is to be recorded by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Unauthorized Hard Inquries XXXX. JPMCB Auto Finance XXXX, XXXX ph # XXXX XXXX. JPMCB Card Services XXXX, XXXX ph # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
their are 5 inquires on my report that are fraudulent. the inquires for transition are, ( XXXX XXXX ), ( XXXX XXXX ) and ( XXXX XXXX ) the inquires for Experian are, ( 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 2023-08-17
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to contact this company XX/XX/2023 to verify a debt that they have put on my credit report. I have ask numerous time for them to validate the debt or send me anything in the mail. The customer service rep just kept asking me to verify my address. I a victim of identity theft and tried explaining but all she cared about was to keep repeating the $ XXXXamount and to verify my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: LA
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 submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

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 2020-08-10
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company is scamming us to charge late fees. My husband recently had our loan assigned to United Wholesale Mortgage. Our previous 2 servicers ( XXXX XXXX and XXXX XXXX ) had no issues apply our payment over 2 payments. We have always sent half the amount 2 weeks before the due date, and the remainder a few days before the due date. This is how we have been able to budget our finances for years. We were surprised to receive a letter dated XX/XX/2020 with a check enclosed for the payment we sent in mid XXXX for our XXXX payment. It was like a slap in the face to see that they also charged us a late fee. We are in a pandemic, many people are struggling to pay their bills yet we strive to pay ahead of time and the company can't figure out how to properly process our payments. We called the customer service line and received no help whatsoever. They were useless. We spoke to " XXXX '' and " XXXX ''. I asked to speak to a manager and I was told they would have to call me back. I waited 8 hours for someone named " XXXX '' to call me back and they never did. I sent an email to their " customer advocate '' and received a call the following business day from " XXXX ''. She told us she would apply the payment that had previously been applied incorrectly but she couldn't do it until we were ready to make the XXXX payment. She said to call back at the beginning of XXXX and they would do it. Today is XX/XX/XXXX. We have called 4 separate times to make our payment and they have all said they can't do it. 3 different people ( XXXX, XXXX and XXXX ) have promised to have a supervisor call back and they never have. I've asked to speak to XXXX and I was told told they don't know who she is. I asked to speak to the people I have named off here, and none of them know who the other is. We are now in danger of being charge another late fee in spite of trying to pay ahead. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-08-17
Company: Lendmark Financial Services
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Lendmark fininical has report late charged on my credit report without my consent also violated my privacy by doing this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One assessed interest on my account for a late payment. The statement balance of the late payment was {$2400.00} at a 27.15 % annual interest rate, or 0.07 % daily interest rate. Per the senior account specialist, the balance is calculated based on the beginning daily balance plus new charges plus interest charges on previous daily balance minus payments and credits. The resulting interest for this late payment was {$71.00} on XX/XX/XXXX was for the XX/XX/XXXX - XX/XX/XXXX billing cycle. On XX/XX/XXXX, I realized I had missed my payment and paid the balance in full. However, on XX/XX/XXXX, I was charged another {$26.00} in interest and the agent stated that this was for new charges for the XX/XX/XXXX - XX/XX/XXXX billing cycle because my account was set to accrue interest. 

My concerns are : 1 ) While I was talking to the customer service agent, she stated that the XXXX interest balance was ~ {$3200.00}, which was close to the current balance on the date that interest was charged. Why am I being charged for {$800.00} in new charges that I am not obligated to pay until XXXX? 

2 ) Capital One would not tell me exactly how the interest was charged. When I asked for the calculation, the customer service agent and senior account specialist stated they had provided me the details of how it is calculated per the terms and condition, but that Capital One does not provide the actual calculation. The senior account specialist said she would put in a ticket to get that to me. If I order food from a restaurant, I am provided a receipt of the charges including food and drinks order, taxes, and service fees. I am obligated to pay and I have the right to know what it is I am being charged for. If I am being charged for something, why would I not have the right to see how it is calculated? 

XXXX ) When I asked for the transcript of the conversation to include for this report, they would not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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:
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. 
XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has 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 non-monetary relief
Consumer complaint received 2019-10-13
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
While back I had XXXX XXXX but my husband lost his job so I had to take care of the bills. I got harassed over and over again after the debt was sold to Midland Funding LLC.When they called the caller ID said Unknown.So I didn't answer.So now as of XX/XX/2019 I got serve with a lawsuit against me by them .For unpay debt The process server said just pay it and I said I will give them a called.I called them I said I would like a payment arrangement Midland Quoted we cant help you it's to late for that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: VA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Took a card out interest free for 2 years wellsfargo is the bank they charged XXXX percent interest. This was XXXX XXXX XXXX that had the interest free XXXX XX/XX/2023.

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 2022-03-13
Company: Experian Information Solutions Inc.
State: NY
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:
My credit score dropped XXXX points from one report to the next with no unusual changes on the credit report. I have been trying to get in touch with a representative at Experian for a week just to get an explanation and have been given absolutely no assistance. Any time I am able to reach a representative they put me on hold and immediately transfer me to their automated system, but none of the automated results fit my situation. I have begged representatives to help me or transfer me to a person who can and they have said " of course, please hold '' and then transferred me to the automated system. I feel like I am losing my mind, I just need to get in touch with a representative to make sure that there is no fraud on my account or that it was not a mistake.

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 2023-10-09
Company: EQUIFAX, INC.
State: PA
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've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

It's disheartening to note that these companies have failed in their legal obligation to address these disputes, as required by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello CFPB team! 

I was charged {$4.00} of interest on XX/XX/23 on a US Bank credit card bill because I did not pay off the full balance by the time the statement was due ( XX/XX/23 ). I completely accept responsibility for missing the deadline, and understand why the charged the interest. My issue is that their customer service team informed me that they charged interest on the full statement balance ( ~ {$700.00} ) rather than the amount that was unpaid ( ~ {$15.00} ), and they were unable to waive the fee. I don't think this is fair because I only carried over a balance of approximately {$15.00}, and don't understand why I should be charged interest on the portion of the statement that I already paid off.

Please let me know if I've misunderstood the situation, or if there's any additional information needed form my end.

Thanks in advance for your help, 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 monetary relief
Consumer complaint received 2023-08-17
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a loan with Truist for a vehicle. The vehicle was totaled on XX/XX/2023. On XX/XX/2023, the insurance ( XXXX ) cleared a payment to Truist for $ XXXX for paying off most of the loan. XX/XX/XXXX was also my monthly payment due date. Due to this payment from XXXX, my monthly payment requirement should have been settled, so I did not pay the XXXX XXXX monthly payment for XXXX ( Nothing on my login showed that this did not count as a payment ). I received a late fee notice dated XX/XX/XXXX in the mail for non-payment. I called Truist immediately upon receiving the notice. They told me the insurance payment of over {$30000.00} did not count as a payment, and I still owed my XXXX payment. They did take off the late fee, but I had to make a payment while on the phone. 

My loan is now paid off due to gap and dealer package refunds, but I am writing this to insure Truist honors payments to an account, no matter who they come from, as they in no way specify these 'insurance payments ' do not count. 

I also want to ensure I get the proper refund for overpayment to my account and get back any interest that may have been improperly accrued.

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 2023-03-28
Company: Unifin Inc.
State: CA
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:
XXXX XXXX has sold a debt that they claim to be mine. The original debt collector was XXXX in which I never had a XXXX account. However, XXXX XXXX  sold it to another collecting agency unifin inc who is now the owner of the account. Well, XXXX XXXX  is still reporting to my credit reports for this although they do not own the debt in question anymore. I have filed disputes with each agency that get declined without even a reasonable verification process and remain on my report. I have also requested a verification from XXXX XXXX  that this debt is verified as mine and they did not respond within 30 days. Its been XXXX  months.

Company response to consumer: Closed with explanation