BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2018 I certified mailed XXXX XXXX XXXX a section 609 ( a ) ( 1 ) ( A ) Dispute for account #  XXXX Account # XXXX I have patiently waited beyond the federal aloted time. Trans union has failed to provide any verifiable proof of these damaging accounts be accurately reported. I have contacted the accounts being falsely reported and I have been advised to disput through Transunion. I am providing proof of disput and receipt of certified mail with a copy of the notary. Pleas remove these account Immediately under FCRA.

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 2018-07-28
Company: EQUIFAX, 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:
I received an alert from my credit monitoring service informing me that I have two accounts in collections on my credit report from two different payday loan agencies,. XXXX XXXX and XXXX XXXX XXXX. I contacted each of them and they both stated that these accounts were opened in 2013. Until know, I have not heard from them via mail, phone nor email. I have not opened either of these accounts but I do recall closing a bank account after discovering fraud after a move and losing a checkbook. I have filed a police report in my city and reported this incident to my bank,, I don't like the fact that I have not heard from these agencies to dispute but it appears on my credit report at a critical time as I am attempting to buy a house and it seemingly came out of nowhere. My credit score has dropped almost 70 points due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There are several issues. First ) Kohl 's routinely does not honor 12 CFR Subpart B 1026.5 ( b ) ( 2 ) ( ii ) *The card issuer does not treat as late for any purpose a required minimum periodic payment received by the card issuer within 21 days after mailing OR DELIVERY of the periodic statement disclosing the due date for that payment. * Kohl 's routinely waits until exactly 21 days before a payment is due before mailing. It takes a few days to mail before the recipient receives it. So while 21 days is the minimum they must offer for payment, it discounts the 21 days after delivery. So while 21 days after clearly falls within the mailing portion, it conveniently ignores the delivery aspect. Second ) I 'm not convinced Kohl 's is honoring the requirement to mail 21 days prior to it being due. Third ) I 'm not convinced Kohl 's is accurately accounting for the day they received payments. I believe they are holding payments an extra 24-48 hours before recognizing receipt in order to trigger more late fees. Fourth ) Kohl 's received payment within 21 days after delivery, which was delivered on XX/XX/XXXX. Kohl  's claims they received the payment on XX/XX/XXXX.
In the past I have had to discuss with customer service of Kohl 's in order to get the charges removed. At this point I have decided to forgo this method and instead contact you, the consumer financial protection bureau, as I believe they are intentionally adjusting timelines by a day here or there in order to illegally capture more fees with their store credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TD BANK US HOLDING COMPANY
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 status incorrect

Complaint:
This is a follow up to CFPB complaint XXXX credit card account ending in XXXX from XX/XX/2018. 
A letter from TD Bank was received by me on XX/XX/2018 stating that my complaint was received and that my debt was paid on XX/XX/2018 in the amount of {$6200.00}, which was the agreed upon settlement amount. I was asked to wait up to 45 days for the major credit bureaus to update their records and an apology that TD Bank did not report accurately to the 3 bureaus on my behalf. 
I also have a letter from XXXX XXXX dated XX/XX/2018 stating that this debt was paid. 
Upon checking my credit reports in preparation to purchase a home, I find that TD Bank is still reporting the account with a balance due of and an open charge off right up until the present time. They have been falsely reporting inaccurate data on my credit report since XXXX of 2018. 
This is seriously hurting my credit scores and my ability to get any type of loans. 
This is fraudulent activity by TD Bank and I want this information removed immediately and updated, backdated and all previous reporting that is inaccurate removed from my credit reports in all 3 bureaus. I am happy to provide all written documentation from TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT XXXX XXXX opened on XXXX XXXX XXXX with a balance of {$4500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

6. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$41000.00} -This is not my account. 

9. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- PERSONAL LOAN 11. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

14. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have summit my police report to all three reporting agency XXXX  and XXXX  have deleted the items I disputed but experian refuse to delete the same items, I have of my identity thef and my police 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 2021-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX purposefully held my account longer than 120 days before it was sold off. They kept my account and reported negatively for THREE YEARS before they charged it off. 

Generally its supposed to be 120 days. By delaying the charge off, they unnecessarily caused more damage to my credit than was necessary. On some level, it feels like it was personal. 

To wait that long, knowing I was fresh out of school. Knowing I was looking for work. Knowing I had difficulties and to pile on with a charge off and then sell the debt 3 years later to extend the damage they, and their business agent Portfolio Recovery Associates could do to my credit history. 

I am never, ever, going to pay 3 times to two different entities regarding the same transaction. 

There is no way this is okay. It feels like a Pre Obama era attempt to get low income minorities to falter on their debts. A consistent issues with XXXX XXXX and other banking institutions. 

I am not going to pay XXXX XXXX for that card again. I already have another card. With them. The payment history is immaculate. 

Portfolio Recovery Associates should inspect each debt they acquire. Before committing fraudulent, or at least malicious actions, to ruin my credit and ruin my chance to get the most out of my law degree. 

They should be ashamed of themselves for such sneaky and underhanded collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wells Fargo I am in to 10 of 24 payments to pay them off thrumy XXXX XXXX XXXX   program I simply want them to reflect my progress of paying them I have asked previously and on the countdown in resolving my debt which I am proud of my program in helping me thru my progress Thank freedom debt relief.I want Wells Fargo on my credit report to show paying off please!!!!

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 2018-09-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I took out a XXXX credit card from Synchrony Bank in XX/XX/2018. One month later I started making my regular monthly payments of {$45.00} on the account. I always make my {$45.00} payments before the due date. I was finally able to get access to my account online on XX/XX/2018 when I found out Synchrony had recorded my birth day in error - once I put in the birth day they had, I was able to get access to my account. I was stunned to learn I was past due on my payments and had {$100.00} in late fees. I spent almost two hours with two different customer service agents trying to reconcile the late fees. They stated that, due to their billing cycle, I did not get credit for all my payments, so they said I was late on three payments. I am including my statements to verify I have made all my payments before the due date. I also have verification from bank on the dates these payments were received by Synchrony Bank. 

I have been penalized {$100.00} for paying early and my credit card shows I am behind in my payments, when actually I have been paying ahead of the due date. 

I am requesting removal of these {$100.00} in late fees.

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 2021-03-03
Company: Alorica Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2021 I noticed I had been charged twice by SST so I called. While on the phone I was told I was being charged for a missed payment, but Im the past missed payments were tacked on to the end of my loan. I originally signed for this loan with XXXX XXXX XXXX and sometime last year I was notified SST took over. Now my payment arrangement with XXXX was twice a month and I had been doing that for a couple years now and today Im being told by an SST employee I have late fees and I need to change my due date. I have an issue because they have been harassing me by calling all hours of the day every day without leaving a voicemail in regards to the nature of their call. So I asked while I had someone on the phone why they do that and his response was we dont always leave messages, I explained to him how I felt I was being harassed because I have no clue who these individuals claim to be no correspondence and Im being charged late fees and my account is being charged twice in one day. I dont have the means to have my money taken from me thats why my payment was split which was an agreed upon method with my original creditor. What can be done about this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: JPMORGAN CHASE & CO.
State: IL
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 am refinancing my home with Chase/JP Morgan Bank. I am working with agent XXXX XXXX & his supervisor XXXX XXXX XXXX. On XX/XX/21 I transferred money from my savings account to my checking account to cover a {$500.00} fee for this service. BUT instead of XXXX XXXX taking the money from my checking account, he placed an unauthorized charge on my Chase XXXX credit card. I did NOT/NEVER authorized this charge! I Called Chase customer support & the customer support person will NOT allow me to dispute the charge because she ( XXXX ) claims charge is for " services rendered '' I did explain to her that I never gave authorization for my card to be used for this payment & therefore I should be able to dispute charge. She suggested I call the checking department, which I did & I spoke to that representative, XXXX, & he stated he sees where I transferred money of {$500.00} on XX/XX/21 from my saving to my checking BUT XXXX XXXX did NOT withdraw the {$500.00} for the refinancing fee. As stated Mr. XXXX charged my Chase XXXX credit card!!! Which is an unauthorized transaction & NOW Chase will NOT allow me to dispute this charge. I have sent an email to both Mr. XXXX & his supervisor Mr. XXXX explaining I want them to rectify this issue & that I will report this matter to your agency & I may see if I can file a police report for unauthorized use of my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-15
Company: JPMORGAN CHASE & CO.
State: NY
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:
There are two business accounts with Chase that were never reported to my personal profile, suddenly after having a 60-day late remark they decided to report it to my personal profile and this is now causing me severe damage while applying for a mortgage. 

The whole late remark was in direct result of covid 19 which Chase admits of having participated in the CARES act at the time. However, as per their terms, I was supposed to request it which I wasn't capable of doing at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
ISSUE : PayPal is holding my money, denying any attempt to release it. This is involving my business account. I have not had any complaints from buyers or have not sold any service that is unacceptable. There is no fraudulent violation in this case.

I am not the first one that this happened to in my family. We have dealt with PayPal before unsuccessfully. Attempts to resolve any issues are very hard and time consuming since their representatives are very mean, they try to make you guilty for putting the account in the state it is. Any requests to speak to managers or higher up people who are likely to help are denied. Chat support is useless as they can't help with anything regarding fund holds.

This is our living money and it is unacceptable. It is abuse of powers to hold the money I feed my family with. I have two little children that depend on me. Having to deal with PayPal begging them for MY money that I earned is emotionally draining and is affecting my health ...

SERVICE INVOLVED : Regular business PayPal account AMOUNT : {$4600.00} NOTICE OF FUNDS HOLD : XX/XX/2019 SERVICE AGREEMENT : was acc

epted during account creation but I have not read it fully I HAVE CONTACTED PAYPAL personally in an attempt to release my money and was told it's impossible. I have had my lawyer mail them a letter requesting reasons for hold and requesting to release the money. We have not heard anything from PayPal since th
e letter was mailed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To who it may concern : XX/XX/XXXX My name is XXXX XXXX. I had an account with XXXX XXXX XXXX XXXX for a couple of years and I paid it off on XX/XX/XXXX, in full. 
This account continues to damage my credit however. It is reporting as negative and that it was opened or closed on XX/XX/XXXX which is incorrect. 
I lost my job during which time I was late on a couple of payments. I always called and stayed in communication with the company and eventually paid it off. I was told at the time that it would not affect my credit and I believed them. 
I initially purchased my car in XX/XX/XXXX, yet this is reporting negatively to this day. It has been 9 years! 
Please help me. I need the account to show in good standing. There is an error in the reporting. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca 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 2020-08-26
Company: Dovenmuehle Mortgage, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle Mortagage, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, Il XXXX. On XX/XX/20, I called this company to make a principal payment on our mortgage loan. I was instructed to put in writing a letter requesting to recast the mortgage, attn : special loans number ( our loan # ). On XX/XX/20. the " research '' dept. acknowledged my request. I have called the company on XX/XX/20 and XX/XX/20 requesting the status of determination to my request. I was told, I couldn't talk to anyone, because they didn't even know the name of the person handling my request because their staff was working from home. They also informed me my loan was being sold to another company XX/XX/20. It has been over a month, no written response, no accountability, no customer service, the response being a non- response. What business operates in such a wreck-less, evasive, secretive manner. I turned to the XXXX-IL, there are 208 complaints re : Dovenmuehle, so that tells me this company is not operating above board in an efficient, responsible manner, with very disturbing customer relations. I want my request in writing pronto. All they have to do is plug in some numbers, then instruct me where/what department to send my check. Why, is this so hard? This company was assigned to us, by another mortgage company, we didn't chose them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: LA
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

7. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Jim Bottin Enterprises, Inc
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Some fitness company is calling claiming there is a problem with my account. I do n't have a membership. They call during my work hours non stop.

Company response to consumer: Closed with explanation