BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have to collection account thru Professional Collections Services located in XXXX, co. I contacted the medical providers and paid the debits and they never released the collection status. I have subsequently paid the same debts twice both documented on my HSA account and they will not remove the collection status from my credit report nor refund the over payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several emails and letters to capital ones CEO Mr. XXXX XXXX. I received a phone call in XXXX telling me that the late payments That were reporting would be updated/removed and congratulations. 3 weeks later I received a letter stating that they would not be updated. I then sent another letter and email and was told that they had to report accurately when in fact I have proof that they have changed late payments for several people And I have copies of the letters. I had a medical complication but apparently this company does not care about their customers like they claim they do. The first person I spoke with in XXXX should not have lied and told me they would be removed within 30 days. Calls are recorded so please go back and listen to the call. Very unprofessional of your staff! ( Attached is proof that you all DO DELETE LATE PAYMENTS! So dont tell me that you dont )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08
Company: Exeter Finance Corp.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Exeter Finance Corp . Gave me a loan for a XXXX  XXXX XXXX about the end of XXXX. They applied my first 2 payments ( checks ) to my account that are being paid by a payment management company ( XXXX XXXX  ). My 3rd payment, they cashed the check and did not apply the money to my account. I had my payment company provide them there proof of payment as they requested. They cashed the check for my 4th payment and did not apply it to my account again. This being the second time ( 2 months in a row ), I had my payment management company send them the documentation again and requested they refund me the extra interest fees that got charged to the account since they allowed interest to accrue to my account 2 months in a row with and the lender actually had the money. The lender told me there is nothing they can do to refund me the extra interest charges because it posted late to the account and told me they were doing me a favor not charging me late fees. My payment company and the lender setup electronic payments for future payments. The lender has now failed to apply my 5th payment even though it was electronic. I filed multiple complaints through the lender. I was told a supervisor would call me each time and no one attempted to call me. I had to call them back. One supervisor told me he would look into the problem and put a reminder on his calendar to call me back. He never did. Exeter is now forcing me to prove to them again that they have been paid. My understanding is this is a predatory lending practice to attempt to take advantage of consumers that do not know any better or will just give in to the lenders requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 i received XXXX payment from XXXX XXXX XXXX and on XXXX XXXX, 2023 i received from XXXX payment from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These three people are scammers and they filed against me from different banks claiming i am the scammer who called them to send money thru XXXX. my bank and XXXX company without any notice to me send back XXXX dollars to one of the scammer. these scammers use XXXX XXXX app service and to buy usdt XXXX dollars and got their XXXX usdt tether dollars by sending money thru XXXX. once they got their XXXX they know if they group dispute the charges they sent thru XXXX, they can their money back and they did and got their money back. i called my bank they explained to me what happened because its several people doing dispute charges they decided to close my bank account permanetly with me and the money they sent back to one of the scammer is nothing to do with them but it is XXXX 's decision to reverse credit back to the sender without any notification to me. 
i tried to call XXXX and they dont receive any calls there is no customer service. i called my bank so many times and all reps wash their hands and gave me a wrong number to file dispute charges which is their own bank and never return my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
CCS COLLECTIONS XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX CCS COLLECTIONS : I have asked them on several occasions to please stop calling threatening and harassing me about the XXXX alleged accounts. They keep telling me that I owe them XXXX debts in the amount of {$97.00} and another amount of {$87.00} for XXXX separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & mentally affecting me at my job and making me XXXX i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. 

Thanks!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have been dealing with Ocwen Loan services for some time now, I originally had issues in XXXX when I had to try and secure a modification. I applied for a government HAMP modification and was denied 3 times with a reason of Ocwen stating that they couldn't prove that I lived at the property however they never sent anyone to verify. I was inclined to take one of their modifications that completely changed my mortgage terms. We have had 3 modifications with them over the years. The most recent in XXXX, I was asked to make payments on time at my regular rate for 5 months in which I did. The modification was completed in XXXX of XXXX. I continued paying at the same payment rate every month following with an escrow account in tact that was for my property taxes and my insurance that I had had for 15+ years. XXXX of XXXX I was contacted by the XXXX XXXX XXXX office that I owed for my property taxes and my Insurance company cancelled my home owners insurance due to non payment. I was unable to reinstate the Insurance or obtain Insurance through another company on my own. I was told that the servicer I had been transferred to PHH Mortgage Services was a partner of Ocwen and I was 2 months behind on my mortgage and they didnt have any record of my escrow account because Ocwen hadn't sent all of my loan documents to them at that point, yet I was still making the same payment with the escrow included. I was told I missed XXXX and XXXX payments in which I hadn't because I also purchased a car that year in XXXX. I was forced to pay a reinstatement fee on my loan of around XXXX and after doing so I was still 2 months behind and cant catch up. They then took out their own insurance on the property. In XX/XX/XXXX I had a tree fall on my house, I removed it myself and had heavy damage to the roof and back porch areas. I paid for materials to shore it up, the insurance adjuster came out and promptly sent me a check for the damages for XXXX, it was made out to me and PHH Mortgage. I called several contractors to estimate the job of repairs and none would touch it because PHH was holding the money and wanted to do a monitored release of funds. I have found a contractor however the paperwork trail is very extensive and they wont release the funds that they have already deposited into their account, I still do not have the repairs made on my roof because of the process they are using to get the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have disputed with Equifax and XXXX about the alleged Bankruptcy on my credit file. I asked for verification and the reply was The circuit courts, and from XXXX XXXX. I have reached out to the circuit courts and obtained documentation stating that the courts do not share information to any credit bureau or third parties. XXXX XXXX investigated the information as well and deleted the alleged bankruptcy. Pursuant to section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) XXXX and Equifax is in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: PENTAGON FEDERAL CREDIT UNION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Pentagon Federal Credit Union has been trying to collect on an debt that I do not owe for the past two years. I have been a victim of Identity Theft and have tried contacting the credit bureaus and Credit Union via mail and phone to inform them of that. Pentagon has hired 3 companies to collect on this debt and I do not believe that is legal, because I have never given either of these companies to input any information to my personal credit profile.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
At approximately XXXX XXXX  On XX/XX/XXXX I received an alert for a {$390.00} charge on my card that I did not authorize for XXXX XXXX. Upon awakening the following morning and seeing this notification, I contacted Bank of America to dispute the charge, and a claim was opened. I received a letter from BOA dated XX/XX/XXXX stating that my claim had been resolved, and a credit was placed on my account. Over a month later, I received a letter from BOA, dated XX/XX/XXXX stating that they received documentation confirming I had received the merchandise or service from the merchant. Being that I had in fact not received any goods or service from XXXX XXXX, I called BOA on the business day after I received this letter, XX/XX/XXXX. The agent told me again that they had received proof from the vendor that I had received the merchandise, and authorized the charge. When I asked what the proof was, I was told they gave my name and address. Concerned, I asked additional questions ... stated that they needed to look at my account history, ( I have had this account since XXXX ), and insisted I did not make this purchase. No one I even know ; friends, family, and even acquaintances, have flown anywhere since the COVID pandemic started back in XXXX. I am not disputing the {$8000.00} charge I made in XXXX. That was totally a authorized charge by me, taking advantage of a great sale on a new roof for our home. I am disputing a charge of {$390.00}, for what appears to be an airline ticket, bought in the middle of a pandemic, by a family of 5 that rarely travels, let alone by air. The representative that took my call stated she would reopen my claim with all the information that I provided, and it seemed like the outcome would be favorable after our conversation. Again, I have been a card holder for over 20 years, and can not recall any previous fraud claims with them. Today I received another letter from BOA dated XX/XX/XXXX, stating their decision to decline my fraud claim stands. The merchant provided documentation confirming you received the merchandise or service. Again, I ask, what is this proof? My name and address? I can promise the proof is not an airline ticket in mine or my familys name, or any known acquaintance. This is extremely concerning to me as that information, that they claim is proof, can easily be found on any public records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. 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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX 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 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 2022-04-01
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Chime bank also known as the XXXX bank allowed money to be taken from my account fraudulently and dont want to refund my money when Ive submitted all the documentation needed which clearly shows I had no knowledge of the transaction and yet the refuse to reimburse me which seems to be a common tactic for them based on reviews

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
i have paid all the amount but still iam not able to get the correct information from them it shows too many wrong 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 explanation
Consumer complaint received 2023-05-25
Company: Checkr, Inc
State: CA
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: Investigation took more than 30 days

Complaint:
I had submitted by background check to checkr throught the XXXX  app on XX/XX/2023 at XXXX XXXX XXXX. I was working for uber at the time and my account has now been suspended due to checkr not providing my background check in due time to the company. XXXX had giving them a month to provide my background check and they still have not provided it in time. My account was suspended XX/XX/XXXX after I had completed a ride because checkr had not completed my background check in due time. I don't understand why its taking them so long to complete a criminal county background check. They are also not giving me any other alternatives to provide documentation to help complete my background so I can work. This is affecting my income and ability to work on the uber platform due to checkr not taking the appropriate to complete my background check its been over a month and 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: NAVY FEDERAL CREDIT UNION
State: VA
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 purchased ticket to attend an event that advertised XXXX XXXX XXXX XXXX, and other services. Upon arrival I did not receive any of the services that were advertised, the XXXX XXXX XXXX XXXX toys were bootleg versions of a national trademark. So i contacted the vendor and they did not want to honor my refund as they claimed there was no refund policy. In an attempt to resole the issue i contacted my credit card provider and they did not want to honor my dispute for the simple fact that there was a no refund policy. Yet, the services advertised were not provided. I appealed it and they remarked that they could not resolve my dispute because there was a no refund policy. However, I did not obtain the items I paid for, which I attempted to explain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am a XXXX XXXX XXXX and purchased a XXXX XXXX XXXX from XXXX XXXX in New Jersey. The car was {$13000.00}. I put down {$3000.00} and I was told that the payments would be about {$200.00}. After signing the paperwork I was told that the payment would be {$400.00}. I am on a fixed income and I fell as though I was taking advantage of. The bank that issued the loan was Santander

Company response to consumer: Closed with explanation