BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts listed in my credit. Please remove 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 explanation
Consumer complaint received 2018-02-08
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX decreased my credit limit on Sports Card at XXXX XXXX XXXX. I got a letter in the mail saying after a review of my account my credit limit had been decreased. I called customer service and was given every generic answer in the book. I told the agent/ then the supervisor, that I have had my account with this bank for going on 6 months and my account has never been late and I always pay 2xs, 3xs, or 4xs the amount that was due. I was told that XXXX XXXX reported something negative on my credit and they have the right to decrease my credit limit??? I pay Synchonary each month and have an established account with them that has been paid in a timely and prompt manner going on 6 months

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 2020-09-06
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an auto loan through Automobile Acceptance which became delinquent. I paid off the debt after repossession through their lawyer XXXX XXXX XXXX. They reported to XXXX and XXXX that the balance was XXXX. However for some reason they reported to XXXX that I have a remaining balance in the thousands so I disputed it. They " verify '' that the amount is correct and now they sent that same thing to all 3 bureaus and dropped my credit which is now directly effecting my finances. I have paperwork from them which states the debt was settled in FULL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I woke up XX/XX/2020 to find I have an email saying my credit went down due to the fact that I had a collection added to my credit report. I opened up XXXX  and it said IC systems but nothing stating whom its for. I called IC systems and spoke to a gentlemen who collects debt. I asked the gentleman whats this about and he couldnt find me anywhere in his system. Then he finds me and says its for XXXX. I said its not me. I went through this before and it was taken off by XXXX. So I asked how long this was in his office and he says for 50 days. I said well how come I didnt get a phone call or letter in the mail stating whats going on so I couldve at least taken care of the Situation some how before it got on my credit report. He stated that they have The wrong info for me. I said thats not my fault. He agreed. Im writing you guys because the collection agency never contacted me to inform me of the debt before placing it on my credit report and I requested validation of the debt and that they need to remove it from my credit until they provide me with the validation.

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 2020-09-06
Company: JPMORGAN CHASE & CO.
State: OK
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:
I have a chase card that had some XXXX  charges made on it while i was hospitalized from XX/XX/2019 to XXXX XXXX. My daughter was making my payments on my card when she noticed in XXXX that they was about {$2000.00} dollars or more charges on my Chase card, she the called Chase to notify them that they were fraudlent charges. The XXXX   customer representative said it would not be a problem because they have a zero liability fraud protection and i would not be held accountable for the charges. 
The representative cancelled the current card and credited my account the amount of XXXX charges to my account. A few months later they charged my card the charges again for XXXX and maxed out my card. I have spent months arguing with them that they were fraudelant and I m not paying another payment until they fixed ti. It finally got to the point I got tired of arguing with them and cancelled my card. 

My daughter spoke with XXXX at XXXX and she explained to her that they gave credit for all fraudelant charges back to chase and 4 XXXX XXXX cards. 

The last person I spoke with wanted me to prove I dont have an XXXX  phone which i have and XXXX  phone. 

I am a XXXX patient and Veteran and I can not afford {$300.00} a month per card. I live on a fixed income. 

All i want is for them to do is honor their zero liability fraud policy. And make the proper corrections in accordance so i can pay what i actually owe and my credit score will go back up because this has destored my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: EQUIFAX, 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 am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 

For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
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 am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 

For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.

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 2021-01-30
Company: LoanCare, LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on our home in XXXX and provided proof of insurance at that time. Loancare LLC has since sent letters requesting proof of insurance, and we have had our insurance provider provide that proof. Loancare LLC is also escrowing and paying XXXX XXXX, our current insurance provider. We confirmed today that XXXX has been paid every month since XXXX via Loancare. Loancare purchased another insurance policy in XXXX, claiming we did not have insurance and is now trying to bill us for the unnecessary insurance policy they purchased even though they pay XXXX for our insurance. Multiple calls have been placed, multiple customer service reps have claimed the issue to be resolved, yet it is not.

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 2018-09-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Monday XX/XX/XXXX, I began the day with approximately {$45.00}, early that morning I noticed the recurring payment for my daughters braces was charged for {$130.00} causing insuffienct funds of about - {$94.00}. Within hours I deposited {$95.00} to resolve that. An additional deposit of {$19.00} to use my debit card for gas, which was {$18.00}. Fortunately for Wells Fargo, recent transactions were so conveniently delayed and processed in such an order that would only favor Wells Fargo and resulting in numerous overdraft charges. This has happened several times recently, and Wells Fargo has not had a problem refunding me a small fraction of these fees but Im getting sick and tired of it. Yes, manage your money better. Is the best solution, but something my financial institution shouldnt be making it impossible for me to get out of this hole Im in. After speaking with Wells Fargo and attempting to escalate the situation yesterday, their phone conveniently disconnected. I say there phone because my phone was still on the line when the dial tone sounded off. They refunded a measly {$17.00} From {$70.00} that were wrongly assessed to me. I allowed XXXX to deposit a refund I requested of {$29.00} to Wells Fargo to decrease my insufficient funds amount from {$59.00} to {$30.00}. Which I received an email stated my new balance of - $ XXXXand confirmed this with the calculations Ive been recording by hand, Wells Fargo online banking, AND the mobile app. My new balance was - {$30.00}, with no pending transactions. This, although incorrect, but was something I guess I will have to do. Until I come back from lunch and notice a charge that was assessed XX/XX/XXXX has somehow come back to life and processed today, creating an additional {$35.00}. Now Im fu***** livid. When Wells Fargo is asked about this, I get the same response each time. And remember that {$130.00} braces charge that started this? It finally shows today as processed, barely. I just now received it along with a note from Wells Fargo showing theyve kindly waived the fee on that charge. How generous ... ... This is outrageous. Ive been keeping record of my finances all month, and as an underwriter, Im fairly decent at doing so, this is incorrect and flat out criminal. Theyve been doing this for months, moving transactions around and even after being deducted from my balance someone reappear creating an additional deduction. Please please please help me with this so I can bring my account current, hopefully receive any money Wells Fargo has stolen from me and leave this awful bank for good.

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 2020-07-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX our Bank paid off our loan with a check for {$460.00}, the amount that we owed was {$410.00} on XX/XX/XXXX when I called. In XX/XX/XXXX, I called them again because we were waiting for the difference of the refund for {$45.00} and the letter of the cancelation. Then, the manager of the floor told me that we still owed {$23.00} for a check that was without founds in the last months that the system reflect on XX/XX/2020, so that the total amount that we owed now was {$23.00}, so they had not a payoff in the account. 
I told him that even we called on XX/XX/XXXX to know the right amount, and now he said that we owed this {$23.00}, The {$460.00} check will be enough to pay it. Because even with this new amount for {$23.00} added to the {$410.00} the total new amount was for {$430.00}, so will be enought to paid with the {$460.00}, pay off, and still refund a check for {$22.00}. He told me that in the system they haven't this amount for {$460.00} just {$410.00}, I told him that I have the copy of the check fortunately, so he told me that I need to send to them by fax. I told him that if he give an email I will send it, but we don't will go to send it by fax because we have high risk health with the XXXX, and they have to investigate it. He told me that he will, and call him later. Today I call him again, and he didn't investigate anything, the other customer service that answer the call, he said that I need to send it by fax or they don't. First, what happen if I don't have the copy of the check? Second, I pay more that we owed, we did the pay off, and know they said that we owed, they don't want to send us the cancelation letter and investigated what is going on, and put us in risk. I can't believe that they don't have any form to see the copy of the check or ask for it. A manager can't do that? I told them that I will complaint with the CFPB, and the employee of today he told me that they have rules than protect them, but we the consumers also have protection. The protection 's rules of this Company don't incluide to write different amount for the original check, plus no be responsable for it. I want a professional answer, I want the pay off of our loan, the letter of the cancellation, and the different of the refund {$22.00}. The system that they have suppost that have a lot mistakes, because when I call on XX/XX/2020 has to be the information of this additional {$23.00}, because in their system it was reflect on XX/XX/2020, and they never told me nothing about this amount this day. All this inconvinience affects our credit, and plus now they want affect our health, just because their system doesn't works properly we have to expouse to the COVID19? XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21
Company: EQUIFAX, INC.
State: UT
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:
XXXX  XXXX # XXXX is reporting erroneous lates to my account that I should not have. I made my payments but for some reason the payment was returned. My XXXX   account that I used to pay was valid and I had money in there, my bank drafted a letter for XXXX XXXX stating that there was no reason on their end or mine that the payment was returned. This was an issue with XXXX XXXX and I would like these lates removed off of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Dorough & Dorough, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
THIS ATTACHMENT SERVES AS AN ADENDUM TO REPORT XXXX SUBMITTED XX/XX/21, I AM REQUESSTING A LEDGER OF ALL PAYMENTS WHICH WERE COERCED FROM THE CEO OF XXXX XXXX XXXX  THROUGH TREATMENT AND ATTACHMENT AND BONDING CENTER OF XXXX. I AM UPLOADING ONE COPY OF THE OFFICIAL LETTER OF FILING. DOROUGH AND DOROUGH LAWFIRM FILED ON THE AGENCIES 2 TIMES. THIS MONEY WAS NOT OWED AS THE AGENCIES DID NOT OWN BUILDING ADDRESSES LISTED. AGAIN, THE CEO 'S EX BUSINESS PARTNER EMBEZZLED MILLIONS OF DOLLARS VIA THE SBA UTILIZONG CURRENT CEO 'S INFORMATION. UNBEKNOWST TO CURRENT CEO HE SIGNED LEASED FOR BOTH BUILDINGS AND APPEARED TO HAVE DISTRIBUTED MONEY TO ALL PARTIES INVOLVED INCLUDING THIS LAWFIRM. THEY EVEN THREATED TO CUT ALL OF MY WATER OFF AT EACH BUILDING WHILE SERVING CLIENTS. BASICALLY, I WAS HARDMED FINANCIALLY AS I UTILIZED PERSONAL FUNDING IN ATTEMPT TO CONTINUE SERVING CLIENTS WITH MENTAL HEALTH ISSUES. THIS IS SO SAD! THIS MONEY WAS NOT EVEN OWED THEY STOLE FROM ME PERSONALLY! THEY JUST WANT ME OUT SINCE MY EX PARTNER LEFT AND THEY HAD NO ONE TO EMBEZZLE AND LAUDER MONEY THROUGH, I CERTIFY I HAD NO KNOWLEDGE OF ANY ILLEGAL ACTIVITIES MY EX-PARTNER WAS INVOLVED IN, I WAS FOCUSED ON SERVING THE KIDS AND FAMILES WITH MENTAL HEALTH ISSUES. THIS IS ONLY A PERCENT OF ALL THE EVIL THINGS THEY DID TO ME IN ORDER TO REMOVE ME FROM THE XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting debt claiming I owe over {$1500.00}, I have disputed this debt it is not my debt, they are apparently ignoring me. I want proof that I opened this account, and the proof I owe you {$1500.00}. These junk debt buyers buy debts add stuff to it and try and collect all without even verifying the debt is vald. Their commission paid salespeople will do and say anything to collect a debt it is how they make their living. They have no clue or care whether it is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019 I was financing XXXX XXXX with an advertised 0 % rate financing with Carecredit. I was not aware that I was opening a credit card, I believe that I was enrolling in a 0 % interest payment plan as it was advertised and as the paperwork seemed to convey. 

Less than a year later, suddenly with only about {$700.00} remaining on my loan, I was charged {$700.00} in interest. 

I called Carecredit after I XXXX my issue, and saw that this is not the first time CareCredit ran this scam. In fact, CFPB fined the company FOR THE EXACT SAME PRACTICE previously. 

How can they still be in business to rip off more consumers? Clearly the previous fines and refunds weren't enough to deter this behavior. 

Further, upon further reading their own document outlines the promotional 0 % rates are for 6,12, 18, or 24 months. However my rate was revoked after 8 months, an act done on their behalf because my payments would have had a zero balance at the time of the rate expiration. 

From the document : " This notice is to let you know about some promotional financing plans that may be available for you when you use your card for future purchases. This is only a summary of key terms. At times, we may offer you other promotional financing plans for certain purchases. Details of available promotions will be provided to you at the time of your transactions. Not all plans or all plan periods will be available at every retailer. For purposes of this notification, your Purchase Annual Percentage Rate ( " APR '' ) is 26.99 %. See the Interest Charge Calculation section of this billing statement to determine if this APR is variable. If a ( v ) is shown next to your APR, this APR will vary with the market based on the prime rate. Subject to credit approval. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchase. 
No Interest if Paid Within Promotional Period ( These can be advertised as Deferred Interest promotions ) Under this promotion, no Interest Charges will be assessed if the promotional purchase balance is paid in full within the promotional period. If the promotional purchase balance is not paid in full by the end of the promotional period, interest will be imposed from the date of purchase at the Purchase APR stated above. Minimum or fixed monthly payments are required. This promotion may be offered for periods of 6, 12, 18, or 24 months. 
Please keep ''

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 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 2020-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was contacted by XXXX XXXX XXXX XXXX who offered attractive investments and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX XXXX XXXX is not regulated in XXXX, where I reside, nor in the USA where the Merchant and its beneficiary pretended to be registered. I now understand that XXXX XXXX XXXX XXXX does not have the ability to provide segregated accounts for investment purposes. 
XXXX XXXX XXXX XXXX instructed transfer payments to a Beneficiary called XXXX XXXX which bank account is at Bank Of America NA, XXXX XXXX, CA. ( invoices attached ) 2 transfers were executed for a total amount of {$24000.00} to this account : USD {$18000.00} sent XX/XX/XXXX ( receipt attached ) USD {$5600.00} sent XX/XX/XXXX ( receipt attached ) When I found out that it was, a scam, a Lawyer sent a letter to the Beneficiary XXXX XXXX in XX/XX/XXXX. No reply was received. ( Letter attached ) XX/XX/XXXX, A lawyer sent a letter to Bank Of America. No reply was received. ( Letter attached )

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