BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates , LLC you failed to give me a right to dispute in your initial notice which you say was XX/XX/XXXX, I received the initial XX/XX/XXXX, which I immediately sent a dispute letter asking for validation of the alleged debt, you replied back about 5 months later saying you found no evidence of my disputes, but I have two returns receipt that states otherwise, and both receipts signed by the same person. PRA LLC according to FDCPA you in violation of 15 usc 1692e ( 8 ) you failed to report to the CRA 'S that this account is UNDER DISPUTE, according to FDCPA PRA LLC was supposed to cease desist all collection activity act until the alleged account was validated you continued to report according to FDCPA you are in violation of 15usc 1681b ( 2 ) Permissible Purpose to the consumer to whom it relates, I'm the consumer to whom it relates Permissible means- written instructions from the consumer, permissible purpose means consent, without permissible purpose means- identity theft. PRA LLC you said you didn't need my permission when does your company policy overrule FDCPA federal law rules? Do have a signed SSA Form meaning Social Security Administration of me giving you consent to have access to my social security number I know I didn't give it to you. PRA LLC stated I owe you an alleged debt XXXX I would like to know what the arising transactions was PRA LLC and I have for me to be obligated to pay your company for this alleged debt. 
According to law debt means ( transaction ) what instrument or goods did you provide me for me to owe you this debt. On my last attempt to reach out to your company you sent me a bill statement that is not a sufficient validation of this alleged debt. I need a contractual agreement between PRA LLC and I with my signature agreeing to this obligation. Also, it states on my consumer report I opened this account on XX/XX/XXXX but it says my first day of delinquency was XX/XX/XXXX so question to PRA LLC if I opened the account in XX/XX/XXXX How can my first day of delinquency be XX/XX/XXXX? That means this account was re-aged you are in violation of 623 ( a ) ( i ) ( a ) ( b ) false and misleading you are willing fully in non-compliance in the event you continue to report this that's a direct violation of the FDCPA for each violation I am subject to XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CA
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:
Around XXXX 2017, Equifax, though their website informed me they allowed identity thieves to steal personal information on me including my SS #, drivers license number, name and address from their 'secure ' system. 

I never authorized Equifax to obtain this information. In effect, Equifax stored my information improperly, at least by associating my personal information with my Social Security number, allowed thieves access to all the information, and failed to notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
Last year I had XXXX XX/XX/XXXX to XX/XX/XXXX of XXXX. I had a late payment with XXXX XXXX XXXX. I immediately had my aunt die out of state due to XXXX. I had to travel to take care of my grandmother. I was completely devastate by XXXX during this era of life. I asked XXXX to help with the late payment reported and they said there was nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
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:
about 6 or 7 months ago we made a small contribution to act blue a political organization. since then we have been charged on a " recurring charge '' many times. we contacted capitalone and told them to delete all these charges. we have been told that our complaint is under investigation .but has never been corrected. the balance due as of now is more than {$600.00} and has been going on for months. i am XXXX and my wife is XXXX it is beginning to affect our health. your help to eliminate these charges is appreciated. please contact us to assist in resolving this matter. thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I checked my credit report and found a debt collection company had a collection account for me. I called the company XXXX XXXX XXXX XXXX XXXX they said it was for a payday loan taken out in 2015. I never took this loan out and the bank they have listed is not the bank I use.

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 2020-09-09
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
Re : US Bank Relia Card. 
This card is for unemployment benefits. 
On XXXX XXXX I tried to transfer funds from the card to my bank checking account. 
The card was blocked. 
After XXXX hour " hold " on the phone i was told to fax a copy of my driver license for verification. This I did on XXXX XXXX. 
On XXXX XXXX I spent many hours on " hold " with " customer service '' at Relia card. 
After many hang-ups I was told that the issue is resolved and card is unblocked. 
But I was told that I still can't transfer funds for 2 weeks. ( No reason. ) These are my funds which I need desperately and I should have access to them as soon as the funds come in. 
Thank you. 
P.S. The Bank and Reliacard " customer service " should be re-named " customer torture ''.

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 2018-03-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a payment set up with my PayPal Mastercard and it did not go through properly on their end. When I saw this the day after it was due, I immediately put another payment through which was successful. I called, chatted and emailed PayPal Matercard ( Synchrony ) and asked that the {$38.00} late fee be reversed and went on to be told no. I dont this this is fair as it was set up, then paid within 24 hours after the mistake was found

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 2017-09-14
Company: GREAT LAKES
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Because of mishandling of my information by XXXX, my loan went into default. XXXX XXXX XXXX XXXX stated that my loan was being handled by XXXX. After setting up a payment agreement with XXXX, I was told that after 9 payments, I was eligible for my loan to come out of default. After 9 payments, nothing happened. XXXX continued to deduct {$51.00} per month from my checking account by auto draft. These autodrafted checks are made out to XXXX XXXX XXXX XXXX XXXX Trust Account and are cashed on a monthly basis. The account shown on the checks is XXXX. I have copies of these checks, front and back. To date, 44 checks have been deducted. That is nearly 4 years worth of payments. I have tried numerous times to get someone to send me paperwork to get these loans out of default. I utilized the XXXX database. It states my servicer is XXXX. The current lender is listed as XXXX XXXX XXXX XXXX XXXX XXXX. The current guaranty agency is XXXX XXXX XXXX XXXX XXXX XXXX. I  have contacted XXXX who tell me that they do not have the loan and to contact Great Lakes. I contact Great Lakes, and they tell me that XXXX has it. I contact XXXX, and no one returns my calls. On one occasion, when a call was returned, they left a voicemail with a call back number. That number was disconnected, and I tried numerous times. I then tried contacting XXXX and was put through to " XXXX XXXX, '' where I left a voice mail. There has been no call back. I want my loans out of default, and I want to be able to make steady payments on them or to go into XXXX, if appropriate, so that my loans are in good standing. I have attached copies of the last 18 months of copies of canceled checks that were made out and paid to XXXX XXXX XXXX XXXX via XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TransferWise Ltd
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 I sent an ACH transfer from own personal Transferwise checking account to another bank account, also in my name. The funds were sent from Transferwises XXXX XXXX partner bank to my bank, perhaps incorrectly, and bounced back from the destination bank. The destination bank noted improper ACH instructions and confirmed they never got a hold of the funds. As a result, the funds are currently sitting at Transferwises partner bank. 

Throughout XXXX and XXXX and at least XXXX times, Ive been in contact with Transferwise, who continue to maintain that the only course of action is to wait because their partner is not responding to their recall requests. Effectively, Transferwise is not taking responsibility, nor exercising any sufficient oversight over their domestic banking partner, and are using their lack of banking license as a means of separating from the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
There are several things that are reporting on my credit file that do not belong to me. The following items are reporting on my credit as a result of identity theft. Please assist me in getting the following items removed from my credit file : 1. XXXX XXXX XXXX 2. Unknown Incorrect Addresses : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Incorrect Names : XXXX, XXXX Status Incorrect : I was never late on the XXXX XXXX  Credit Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called all the number they dont give information so I dont know what to say I deposit two check that they are going to give back they dont even investigate and dont help me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-17
Company: EQUIFAX, INC.
State: NC
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 a dispute with Equifax around XXXX XXXX, XXXX about Bankruptcy XXXX. The dispute was asking that they verify the information that was showing on my report. On XXXX XXXX, XXXX I received a response saying that the information was verified by XXXX XXXX. I found this information to be very unlikely because I had placed a freeze & suppressed my consumer records with XXXX XXXX on XXXX XXXX, XXXX. I then sent another dispute to Equifax on or around XXXX XXXX, XXXX asking for validation of the Bankruptcy being verified. The response was closed saying that it was verified & no further information was provided. I placed a call to XXXX XXXX to ensure that the security freeze and suppression were still in effect. I believe that Equifax is claiming that information was verified that has not been verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I changed my homeowner 's insurance company to XXXX XXXX XXXX XXXX, effective XX/XX/XXXX. The policy covers XX/XX/XXXX to XX/XX/XXXX. FYI-Monies for my homeowner 's insurance and property taxes are a part of my escrow account and included in my mortgage payment. My mortgage payments and account are managed and serviced by Fay Servicing. 

XX/XX/XXXX ; I received a notice from XXXX stating that my homeowner 's insurance policy was not paid on XX/XX/XXXX and that an invoice of {$740.00} was due. I contacted Fay Servicing and requested that they the pay invoice. They instructed me to get a copy of my insurance declaration and current billing statement. I complied and provided them the attached via email on XX/XX/XXXX. 

XX/XX/XXXX ; I received another notice from XXXX stating that my homeowner 's insurance policy had not been paid by Fay and that an invoice of {$740.00} was due. I contacted Fay Servicing and requested that they pay the invoice. They instructed me to get a copy of my insurance declaration and current statement. With the assistance of XXXX 's XXXX XXXX : XXXX XXXX, again I complied and provided them the attached via email on XX/XX/XXXX. 

XX/XX/XXXX ; Again I received another notice from XXXX 's stating that my homeowner 's insurance policy had not been paid by Fay and that an invoice of {$370.00} was now due by XX/XX/XXXX and that my insurance was in jeopardy of collapsing. Based on my conversation with XXXX the payment of {$740.00} had been reduced by {$370.00} due to COVID Relief Fund. 

Throughout my contact beginning on XX/XX/XXXX, I have left messages for my Account Manager XXXX XXXX. XXXX is either busy or never return my calls. 

XX/XX/XXXX ; I contacted Fay Servicing and requested that they pay the invoice. I encountered 6 different representatives, with the exception of one XXXX, Account Manager, most were either unhelpful, rude or transferred me without prompting : 1 )  XXXX. ( not knowledgeable and transferred me without any prompting or explanation ) ; 2 ) XXXX @ XXXX XXXX. ( RUDE needs training or another job-NOT customer service material ), 3 ) XXXX @ XXXX XXXX. ( patient, very nice and tried to get XXXX XXXX on the phone line ), 4 ) XXXX XXXX, various dates and times since XX/XX/XXXX XXXX never available or return calls ) and XXXX ) Finally, XXXX, Account Manager ( polite, helpful and businesslike ). 

It is my hope that XXXX 's instructions ( same process as before ) will resolve this matter but I just do not have any faith at this point. However, I will comply and send them a copy of my insurance declaration and current statement for the THIRD time. 

Fay Servicing has horrible customer service most of the time! I absolutely hate doing business with them. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that these accounts be thoroughly investigated and updated for proper and legal accuracy. Please fix the accounts : 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 2021-02-24
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
My car was financed through Kia, which I purchased in XX/XX/XXXX. I paid on time for 1 year, then in XXXX of XXXX the car was totaled. I informed Kia as well as my Insurance Company and My GAP insurance. Kia failed to send the proper documents to the Insurance companies. This was told to me by both Insurance companies, In XXXX both companies informed me they had all my paper work they were waiting on Kia to send in their paper work. Then in XXXX of XXXX I received a letter from Kia stating that it was finally done. But then in XXXX I received a letter stating I owed over XXXX. Not only that Kia reported my loan as a bad debt write off. How can they do this. I had Insurance as well as Gap insurance. 
This has damaged my credit score so bad I can't even get my home loan refinanced which I am in desperate need of during this hard time with my hours being cut. 
Please can someone help me get this matter resolved and fix my credit score.

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 2019-02-19
Company: First Federal Credit Control, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This month I checked my credit reports and found an opened dispute from First Fed Credit Control from XX/XX/XXXX for {$90.00} as well XX/XX/XXXX for {$56.00}. I was never notified from the original creditor : XXXX XXXX XXXX about this owed debt. I did not receive a call or any mail to notify me of this debt. I also did not receive or hear anything from First Fed Credit Control. Therefore, I have had these derogatory marks on my credit report without ANY proper notification. I have still gone to the same XXXX XXXX   XXXX to get treatment beyond these open collection dates, and was not told that I have an outstanding balance. It is to my belief that I do not owe any debts for the amounts listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation