BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 ( FCRA ) this creditor is reporting inaccurate information and has violated my rights for this account : XXXX XXXX XXXX XX/XX/2016 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I've attached my driver 's license and a piece of mail with my current address on it.

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 2022-04-29
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have constantly asked to be emailed a disbursement of all my history of payments and payoff and I have requested ow 6 times and amerihome constantly never emails me as advises they will. I asked for a supervisor and yet no one will speak to me. Im extremely upset that I have to go through this process just to retrieve my own account info

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Loantopia
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They have repeatedly violated ACH revocation. The first violation was in XX/XX/2019 and the company purposely ignored the revocation and went into my account without permission. The next violation they sent court documents to my house that they had no intention of filing and threatened me via email on several occasions. XXXX XXXX their collections manager sent many nasty emails, texts and calls. The amount the claim was owed is erroneous, they have not applied payments made. They threatened to contact my employer. They threatened to contact the creditors. I tried to make a payment online but there was no way to change my ach account information or view it. Instead of an " authorize payment button '' they have a button that says " continue '' but it doesn't go anywhere it just process payment without permission. I have many text message threats from the company. I have repeated emails threatening legal action. The violated the ACH written revocation again in XXXX and refused to return the money. Said they can go into my account and violate whenever they want. My bank had to step in for their fraud. They did this again in XX/XX/2019. They repeatedly threaten me, harass me, go into my account when they want and their ach system is in violation of the rules required. 

I have attached just a sample of their threats and violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
MY HUSBAND HAS A CAPITAL ONE CREDIT CARD WHICH TO MY KNOWLEDGE I WAS NOT AN AUTHORIZED USER, NOR DID I WANT TO BE AN AUTHORIZED USER. I AM NOT A CO-SIGNER NOR DID I EVER GUARANTEE PAYMENT ON HIS CREDIT CARD ACCOUNT I HAVE MY OWN CREDIT CARDS WHICH I USE CAREFULLY, TO ASSURE THAT I AM ABLE TO PAY IN FULL THE MONTHLY STATEMENTS. I FREQUENTLY MONITOR MY CREDIT SCORE FOR THE PURPOSE OF INCREASING MY CREDIT STANDING. 

IN CHECKING MY SCORE I DISCOVERED A SIGNIFICANT REDUCTION. 

THE REASON? 
MY HUSBAND HAS A CAPITAL ONE CARD WHICH IS DELINQUENT AND BECAUSE OF THIS CAPITAL REPORTED ME DELINQUENT. I CALLED CAPITAL ONE AND SPOKE TO AN AGENT AND TO A SUPERVISOR AND WAS TOLD THAT I HAD ABSOLUTELY NO RESPONSIBILITY IN REGARDS TO MY HUSBANDS ACCOUNT. CAPITAL ONE ALSO OFFERED NO EXPLANATION WHY THEY REPORTED ME DELINQUENT. PLEASE HELP ME TO RESTORE MY GOOD STANDING WITH THE CREDIT COMPANIES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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:
I submitted this complaint to update this suspicious information. Equifax Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: JPMORGAN CHASE & CO.
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
On XXXX around XXXX XXXX CST I spoke to XXXX a supervisor in Chase Disputers who stated the following charges were valid because I stayed at the hotel. For them not to be valid I need to have canceled the stay. 

XX/XX/18 XXXX XXXX  XXXX XX/XX/18 XXXX XXXX  XXXX I provided the original invoice from the merchant which clearly shows a credit in the amount of {$100.00} should have been received. Instead I was charged {$100.00} Additionally, I highlighted the items I was charged in error for, including the mini bar and minibar tax fees. Upon check-in I had the hotel remove all items from the mini bar to prevent these charges. I was also charged for breakfast which is an included amenity for XXXX XXXX XXXX XXXX XXXX. To substantiate this claim I also included a copy of the printed member benefits from XXXX 's website. I even provided the exact chargeback reason code of XXXX Misrepresentation, which she stated in order for it to be valid I would have had to have canceled the breakfast despite the merchant verifying it was included and would not be charged. When I asked for her name and id number to identify her she refused to provide any identifying information stating they were not required to do so and they were not required to process the dispute as requested in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: CITIBANK, N.A.
State: PA
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:
Dear Consumer Financial Protection Bureau, On XX/XX/2017 my wife was browsing online and opened a website for eye cream but immediately exited when a small window popped up listing a " monthly program ''. Subsequently we were surprised when our Dividend Citi Mastercard statement arrived showing a monthly billing program for something for which my wife had not checked. The first two charges were listed as the following : XX/XX/XXXX XXXX  XXXX Ca for {$89.00} and XX/XX/XXXX XXXX XXXX XXXX CA for {$89.00}. 

Upon receiving this statement we called Citi Card which opened an investigation and then made our conditional credit permanent. We also cancelled that Dividend Citi card and received a new one to break any merchant charging chain ( advice of Citi ), We then cancelled the Merchant ( receiving an e-mail receipt ) for redundancy.

But then the real problems started with Citi starting again to do monthly charges for the program for which we neither had signed up for nor received anything and then added late fees and interests. We continued to pay promptly all of charges excepting out the fraudulent monthly billing which soon ran over {$1100.00} and for which we spent many hours on the phone in sheer frustration with Citi customer service. 

We were fortunate that our PA Attorney General 's office had a fine agent XXXX XXXX XXXX help with our case ( XXXX ) but now she has done all that she can and Citi continues to run the clock even though we cancelled that card and our other Citi Driver 's Edge card ( used for 23 years ). Her contacts are XXXX and XXXX XXXX. 

Upon reviewing ConsumerAffairs.com we realize that many other Citi complaints are based on Citi " holding a billing dispute open for many months '' while continuing to accrue a compilation of fees and interests. 

Thank you for your consideration. .XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and XXXX and landline XXXX XXXX and international cell ( not always the best clarity ) XXXX XXXX. 

We have a file of correspondence over a half inch thick and have spent many, many hours on phone calls with Citi Customer Service to get nowhere.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting 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. 

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 2019-09-12
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never received any contact from this company either by mail or by phone. I remember during the month of XXXX I started receiving what appeared to be robo calls. I would receive 2 calls per day on my cell phone from different phone numbers in the state of Virginia with no caller ID, and I would receive 2 calls per day on my home number from various numbers from different cities in North Carolina, again no caller ID or messages were left for me to call back. After approximately 30 days the calls stopped and this company put a collection notice on all 3 credit agencies. I was never contacted by mail nor were any messages to call back were left on my phones. I was never given the opportunity to discuss this account or work out any options with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
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: Account status incorrect

Complaint:
1. TransUnion shows my credit limited decreased with XXXX XXXX XXXX from XXXX to {$500.00} which is incorrect, credit limit is still {$2000.00}. This false information causing my score to decrease by 99 points.

2. TransUnion, XXXX and XXXX refuse to correct previous dispute regarding XXXX XXXX XXXX  they continue to show a balance with one account was paid in full and the other was discharged in previous bankruptcy and should show a XXXX balance. This is false information 3. XXXX XXXX  was settled and paid in full, Trans Union continues to show a balance owed on XXXX XXXX XXXX This is false information 4. Bankruptcy reporting, TranUnion, XXXX  and XXXX continue to report false information that they have not been able to verify, name and social security number does not match filing and social security administration.

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 2021-09-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I spent several hours in a physical Wells Fargo ( WF ) branch needing to obtain financial records for legal procedures against a private party. I requested a " RPPS '' report from WF Online Bill Pay department and they seemed to have no understand of this term. The retail banker spent a long time on the phone attempting to get the required information I require.

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 2018-04-18
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The issue o have is not with the medical provider, XXXX XXXX, rather it is with the debt collector, Transworld Systems Inc ( TSI ).

I had a balance due for XXXX XXXX in the amount of {$20.00} for services in late-XX/XX/XXXX. That amount was paid to XXXX XXXX on XX/XX/XXXX.

On it around XX/XX/XXXX, I received a letter from TSI datesXX/XX/XXXX noting this bill had been sent to collections. Upon contacting XXXX XXXX, they showed no balance due and sent me a receipt of payment from the payment made XX/XX/XXXX.

I then tried contacting TSI numerous times between XX/XX/XXXX and XX/XX/XXXX originally at the number on the mailed letter ( XXXX  ) and then through a number on the TSI website when 5 calls to the printed number ended up in a disconnected call due to a mailbox being full. When I called the number on the TSI website, I was transferred to 2 different agents who both told me they couldnt access any XXXX XXXX   accounts and they tried to give me the number that Ive been trying to call for the last week. I asked to speak to a supervisor and The agent at TSI was unwilling to do anything other than give me the number I already had that wasnt able to connect to anyone.

This is highly frustrating likely fraudulent business practices that have now taken me over an hour of time to attempt to address. Please make sure TSI doesnt do this to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My bank, XXXX, pulls my score from Experian, which displays as Excellent. I got free identity monitoring from Experian when they failed to properly secure the data of millions of Americans, so I get emails from them up selling other products all the time. When I clicked one out of curiosity, it told me that my credit was POOR. I was stunned, but didnt have time until today to investigate further. Today I pulled scores from XXXX  and XXXX  through XXXX and my Experian score through XXXX, and all three were excellent. But although my Experian Apology Protection score had gone up to being Fair, it was still way, way off what they were telling XXXX and what the other bureaus are saying. On the page with Experians false report are five buttons, each of which leads to a paid product they are selling, and there is no way to dispute or inquire as to what exactly is going on. I am concluding that they are misrepresenting my score because they think, as a victim of their incompetency who filed for protection, I am easily worried about my score and therefore great to target for upsells. This is really morally wrong to target their victims with false information.

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 2019-04-23
Company: EQUIFAX, INC.
State: CA
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:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Can you please remove the Navy Federal CU credit card which is not mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2021 I wrote a dispute letter to Equifax regarding 4 accounts that is reporting on my credit profile that are inaccurate. 
1. XXXX XXXXXXXX XXXX which is reporting a debt of {$0.00}. 
2. XXXX which is reporting a debt in the amount of {$0.00}. 
3. XXXX XXXX XXXX XXXXXXXX XXXX which is reporting a debt of {$2500.00} 4.XXXX In the amount of {$0.00} I also wrote another letter on XX/XX/XXXX regarding the same problem still no response.Equifax has failed to provide me with verifiable proof that I ask for in my dispute letters. 
Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Exeter Finance Corp.
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I contacted Exeter finance concerning a paid off account since XX/XX/XXXX. I was told that there is nothing they can do about it and they can't take it off my credit report. I can't get a mortgage loan due to this account. The company could not help me with this unfair situation. Right now the account is paid off and they can't still do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: MOHELA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Before consolidating my direct federal loans with Mohela, I had XXXX qualifying payments for XXXX. Studentaid.gov and Mohela both told me I should consolidate my loans to make sure all of my payments qualified under the temporary limited XXXX  waiver. Since consolidating in XXXX of XXXX, Mohela has erased my pre-consolidation qualifying payments so that it now only shows XXXX qualifying payments on their website, where it should be XXXX = XXXX qualifying PSLF payments, as of XXXX of XXXX. When I recertify in XXXX of this year, I believe I should have XXXX payments total and not have to make any more payments before having the remainder of my loans forgiven. Also, studentaid.gov seems to have DOUBLED my loan amount ( from {$320000.00} to {$640000.00} ), showing both my previous loans and the newly consolidated loans on the studentaid.gov website. 
I have called MOHELA multiple times over the past year and each representative assures me that I've done everything right and that they are back-logged and will adjust my qualifying payments in the near future, but it has been over a year and there is still no resolution. I have filed a formal complaint on the studentaid.gov website on XX/XX/XXXX, as well as submitting supporting documents. I received an automated email from them on XX/XX/XXXX, saying that they would " respond to my complaint within 15 days, '' but then never received a response. The case was then " closed '' on their website without them ever contacting me or resolving the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX, received letter ( dated XX/XX/XXXX ) from JPMorgan Chase Bank, XXXX XXXX XXXX, to XXXX XXXX XXXX, from XXXX XXXX XXXX, stating " We have decided to close your accounts '' with instructions to steps to close 1 ) Checking account, 2 ) Savings account 3 ) Credit card account and 4 ) safe deposit box by XX/XX/XXXX. The time frame allowed does not allow me follow instructions within the time allowed. Repeated contacts by phone, in person, on line, or email reveals the same information, " Decision is confidential and irreversible '' by multiple sources and I am unable to contact any agency within the system with more information. Having been an account holder since XX/XX/XXXX, I am concerned that something has occurred recently that may have effected my identity or status that I am not aware of. Can this be investigated to reveal the cause of this decision? I have a case number if this would be helpful- # XXXX. Your cooperation in this matter is greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation