BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
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 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  Repeated Harassment over the Telephone even though my number is on the DO NOT CALL registry and I've been receiving calls at abnormal hours such as during work, in the morning, and night as well as more than 7 calls in a week and even trying to use a different phone number. This is in violation of my Consumer rights and the FDCPA codes listed below. 

FDCPA section 806 ( 15 U.S.C.1692 ) Refer below to 15 USC 1692c ( a ) " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt '' Refer below to 15 USC 1692c ( 1 ) " at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location '' Refer below to 15 USC 1692d ( 5 ) " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$440.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
It started on XX/XX/19 at around XXXX XXXX. I had gotten an email from PayPal saying that they had confirmed a purchase of {$99.00}. I went into my PayPal to see if I could reverse or stop the transaction, but it was already too late. I didn't make the purchase and I wanted my money back so I reported it to them. I waited a few days for them to contact me back and they said that the transaction was authorized and that my statement was false. They then continued to lock me out of my PayPal account until I had proof of my bank, bank statement, and a driver 's license ID picture sent to them. They said it would take 2-3 business days until I could get back into my account. I decided to take this onto their social media outlets which only solved me getting back into my account, but not getting back my money. They said that they will pit a specialist on my case but I haven't heard back from them. I was under the impression that PayPal was a safe and secure way to send and receive money, but I was clearly mistaken. I don't understand why I had to do so much in order to only get the problem partially solved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 Account Number:XXXX Account Name : XXXXXXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2019-02-11
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX our mortgage was sold by XXXX XXXX to PNC Bank. After being sold we were contacted by PNC Bank who stated that we were required to pay extra into our escrow because of a company policy requiring us to have a cushion/reserve. If they purchased our loan how could they change the terms that were originally agreed on? This action seems predatory in nature. However after they threatened that if we did not pay it our home could go into foreclosure we came to an agreement to pay it over 24 months added into our monthly mortgage payment. 
In XX/XX/XXXX we prepaid half of XXXX property taxes approximately {$5000.00}. We continued to pay our regular mortgage payment including the escrow for the entire year. In XX/XX/XXXX PNC was contacted regarding the overage of the escrow account and they refunded {$2600.00} of the prepaid taxes. I was told that they would have to do another analysis at the end of the year and they would refund the difference minus any changes in taxes or insurance rates. 
After numerous phone calls I was informed today, XX/XX/XXXX that they took the remainder of the funds and put it towards their escrow reserve. This I did not authorize nor consent to. This reserve should not have been paid in the first place as it was not on my original loan agreement. They intimidated us with threat of foreclosure to pay their reserve escrow and now have taken money that was not authorized to go towards that in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I received an alert from chase stating that Someone by the name of XXXX added themselves on my chase XXXX  account and tried to XXXX  {$1000.00} and {$200.00} from my checking account. I immediately called chase, the agent told me she was able to stop both transactions. An hour later I noticed the {$200.00} did get deducted from my account. I went into chase and the agent told me she would send a claim to recover my {$200.00} and change all my account information. A few weeks later i was told my claim was denied do to the IP address being in the same location. For over 2 months Ive contacted chase to show me proof on how they came down to this decision. The claims department said they can not mail any information regarding this investigation. I dont know who this person is and I called chase immediately to stop all pending transactions. I dont understand how chase allowed money to be withdrawn from my checking account. Absolutely no one has access to my phone or computer besides me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent XXXX, XXXX, and TRANSUNION letters ( XX/XX/2023 ) to do an investigation of accounts XXXX XXXX XXXXXXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and other accounts that was removed after the investigation. I received the results of the investigation from TRANSUNION ( XX/XX/2023 ) XXXX ( XX/XX/2023 ). I never received no paperwork from XXXX. I mailed out METHOD OF VERIFICAION letters CERTIFIED on XX/XX/2023. XXXX # XXXX, XXXX # XXXX, TRANSUNION # XXXX. I am attaching all evidence of inaccuracies to my consumer report., investigation results of being modified and verified data, tracking docs, failure to respond that was sent out CERTIFIED ( XX/XX/2023 ). 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws. Someone needs to hold them accountable for 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 non-monetary relief
Consumer complaint received 2023-08-21
Company: Transform Credit Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
12 cfr 1002.4 I applied for credit and I was denied for reasons of discrimination credit worthiness number two is 12 hjr192 it says credit is are right we have unlimited credit the government pays our debts why am I one being denied for credit when its my God-given right and number two why are they discriminating on me because of credit worthiness a grant nobody should be denied credit because we have an endless surplus of credit I will sue and I will win if I dont get this resolved quick my goal is to sue and I will sue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received another phone call today from XXXX ( XXXX XXXX XXXX. The people said they were calling on behalf of or from a department within American Express. They were calling me in order to try and contact someone else. They have called three times, most recently on XX/XX/2019 at XXXX EST. The first time they called I let it go to voicemail. The second time I answered because I thought it was work related. The third time again I thought it was work. I think they maybe used a different number. Each time they kept asking me to pass on a message to someone else on their behalf. I have no idea if these people are legit or not. On the second call I REPEATEDLY told them to remove my number from this list. They wouldnt listen and kept talk so I eventually hung up. Then today they called again and again I kept shouting to remove my number from their list. They also kept talking to try and get me to answer their questions. BOTH times I spoke on the phone they said it was being recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: Upstart Holdings, Inc.
State: MD
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 XXXX  account : XXXX XXXX XXXX Upstart Services  has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Collection Bureau of the Hudson Valley, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX XXXX XXXX ( at that time ) disconnected my internet access due to my bill being past due. In XXXX (? ) XXXX company changed it's name to XXXX. XXXX XXXX was contacted in XXXX with a request to send a prepaid shipping label in order to return their equipment for myself, my business, and my mother. This consisted of a basic cable modem and 2 advanced router modems. I personally put the equipment into the box, label applied, and package shipped from the XXXX  drop-off location at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Once items were disconnected, internet access would have been impossible even if access was available. XXXX is well aware of this. I was unaware that the company had changed names until approximately XXXX of XXXX. In XXXX of XXXX I finally received a bill from XXXX for the amount of {$690.00} I immediately contacted the company asking them to justify the amount. Initial person I spoke with informed me that service was disconnected in XXXX but subsequently reconnected. XXXX representative stated that since no phone call was received specifically requesting for our services to be terminated, they continued to bill for months after XXXX into XXXX. I informed representative that I would pay for outstanding month ( s )? up until XXXX, I would not pay for months after their equipment was returned. The phone call was ended without resolution. Approx. 2 weeks later I received another bill for {$570.00}. I contacted the company again twice finally speaking with a supervisor. The supervisor informed me that the bill was adjusted due to my prior phonecall the company assumed (? ) that I wanted the service terminated. Supervisor informed me that I was responsible for months of XX/XX/XXXX through XX/XX/XXXX and refused to even consider any negotiation. She claimed that since I was receiving $ XXXX. through the XXXX and XXXX XXXX program, they could not disconnect my service. 
The funds I was receiving through the program were transferred to XXXX ( my new ISP ) on XX/XX/XXXX. The supervisor also stated that the package containing our modems was never received until XXXX of XXXX. She claimed that the package only contained the 2 advanced modems but not the basic modem. A phone call made XX/XX/XXXX to XXXX confirmed that the package was delivered intact to XXXX XXXX ( at that time ) on XX/XX/XXXX. Also, assuming that only one modem was missing from the carton as XXXX claims, why would the thief decide to take the smallest, cheapest modem? XXXX has decided to forward collection of this debt to a collection agency. This is going to detrimentally affect my previously impeccable credit score and rating. I would like XXXX to cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Self Financial Inc.
State: GA
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 wrote a letter to XXXX over 90 days ago and I still have not received an response from them regarding a debt they have added to my credit report. So my problem is I didn't receive notice of right to dispute and when I contacted them they never responded to verify the debt when I asked for it back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I used my Capital One card for three separate transactions to book a trip through a company called XXXX XXXX XXXX. XXXX XXXX XXXX is a travel company that offered all-inclusive guided tour vacations, and I used them previously for a successful and enjoyable trip. I met several people on that trip that booked subsequent trips with XXXX XXXX XXXX. 

XXXX XXXX XXXX collected customers ' money for the past several years then delayed the travel due to XXXX, and in XX/XX/2022 they sent an email that they are closing and keeping everyone 's money. I immediately filed disputes with Capital One to get my money back since the trips I paid for did not take place, and Capital One denied my disputes and said too much time had passed since the transaction to get a refund, despite the fact that I did not and will never be receiving the items I paid for ( my two trips ). 

I am now out of options as XXXX XXXX XXXX has liquidated and indicated they have no funds to pay their customers back. I have stated this to Capital One and even sent their CEO an email with my supporting documents, only to be told " No '' yet again. So much for consumer protection. This is my last option to get my money back, and it's a little less than {$2000.00} that I am owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-12
Company: WELLS FARGO & COMPANY
State: OR
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:
Originally I had a windshield replaced the company did shotty installand damaged my vehicle over XXXX. They granted dispute and then recharged me. Take away and put it back on repeatedly. Most recent ly account balance was XXXX payment XXXX interest charge XXXX new balance XXXX. They added my payment to my balance rather than deduct its fraud and they do it over and over and over. I call and complain and the next month reflects more fraud. And they never correct anything.

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 2022-05-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
Ive filled police report on the fraud that occurred on my card where XX/XX/XXXX $ was withdrawn and XX/XX/XXXX two withdraws of XXXX $ unauthorized and without my knowledge I did everything I was supposed to n compliance with my bank card reported fraud yet they refuse to show me evidence on why they see no error XXXX will not return me my money XXXX $ was stolen out of my account and I requested reopen the investigation and check atm cameras the bank is now unreachable XXXX Ive had no response in over 3 weeks all I want is my money returned to me n the bank n who ever took my money held accountable

Company response to consumer: Closed with monetary relief