BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-04
Company: Total Card, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company XXXX XXXX XXXX is trying to collect {$500.00} and {$420.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, Second Round LP, which I hold no contract with nor have received any goods or services from, reported two collection accounts against my social security number in the amounts of {$2100.00} and {$1300.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification and validation of the alleged debts on X/X/2017, however the business failed to provide adequate proof/validation. This business does not have and has never had contracts with me for goods or services and they have not provided adequate proof of any obligations to pay the alleged debts. <P/>Account level detail and billing information is not valid proof of a contract. Where is the binding contract showing that I allegedly owe these debts? This company is in violation of the Fair Credit Reporting Act because they are reporting inaccurate and invalid information to the credit bureaus under my social security number. I demand that they remove all accounts from my credit report immediately, and cease all reporting in the future. Second Round LP is in violation of the Fair Debt Collection Practices Act because they are trying to deceive me by providing non verifiable and invalid information in order to collect money on debts that they are alleging to be mine without any contractual proof. This company did NOT provide me with a copy of any signed contracts for goods and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2019-08-30
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
As of XX/XX/19 JP Morgan Chase closed my checking and savings account without notice. My account had only been overdrawn for 2 days, and I was goin to bring my account back to positive standing on Sunday XX/XX/XXXX. I have always paid any overdraft fees, I usually had my account in good standing. They did not give me a reason for the account closing except that they are ending the relationship. I need my bank account. Im very upset about them closing the account, because I genuinely loved this bank. I dont know what to do. I have only been overdrawn 2 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I filed a complaint against this company with the CFPB regarding a charge on one thier Home Depot credit card products. After filing the complaint i noticed that they had reduced my credit limit from {$5000.00} to {$4000.00}. Since my credit is in good standing and I have never even had a late payment, i would have to reason that the credit reduction is a result of my filing a complaint with the CFPB

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 2018-09-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Wells Fargo multiple times regarding this and have received multiple answers, each different. We were told at our closing that we would have to pay PMI on our loan until we reached a certain loan to value based on the outstanding balance and the current value of our home. We were never told that we had to wait a certain number of years and that the loan to value would be based on the value of our home at the time of closing, not it's current value. After all the improvements that we have done now count for nothing. Two years ago our home was appraised at {$240000.00} and taking that into consideration with our current balance of {$170000.00}, we are well below a loan to value of 76 %. I am filing a dispute against Wells Fargo and what I consider are deceptive business practices on their part and the part of the loan officer.

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 2018-11-04
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been dealing with my credit and also have had 2 other repairs companys on my side.. All three reporting companys still have not done all they are spose to do as in deleting and updating info and reporting info when i apply for new items they still list me as in late reporting no new accounts etc and delting hard inquires that i have not done i have XXXX on one XXXX on another and XXXX on the other and accounts that are at XXXX balances

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 2018-11-04
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dear Sir, OnXX/XX/2018 I filled out an application for investing in certificate of despite accounts for {$200000.00} Penn Fed Credit Union automatically checks credit which effects my credit score. When I contacted them about my application. They had no record of it. They said I would have to apply again and my credit would have another hard inquiry. They also informed me that they keep these on line applications for 90 Days. Well again they don't have mine. They offered me no solution. I made two attempts to have this resolved by phone. I could write a certified letter however I believe this is unfair so I'm hopping CFPB can help. My credit score is excellent and I want it to stay that way. I am XXXX yeas old and have maintained excellent credit all my life. XXXX is involved.

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 2020-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio RC reported against my credit, an amount to which I requested an original proof of debt. They were unable to provide anything other than a statement that they purchased said debt. This is not sufficient under the guidelines of the FTC and needs to be removed. If removal has not occurred within 30 days, legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: STATE EMPLOYEES CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom this concern, I am writing this letter out of shame. It took some time for me to get the courage to reach out to anyone with this personal financial problem. If I want to help myself, I am going to have to ask for help regarding several credit flags from State Employee Credit Union ( SECU ). I wanted to include some account information, to help you access my account easily if investigation is necessary, XXXX XXXX # XXXX confirmed that he could not give me the old account number. Since all cards were closed, I also could not get access online to obtain any details to support this complaint. My relocation is the reason I can not help myself with SECU. 

I did have a credit card with SECU. Frankly, I dont even remember the last time I used the credit card. Theres a {$1000.00} charge off for the credit card. I remember paying the card off but between then, now, and Covid-19 in between Im not certain. There is a currently active {$350.00} line of credit with {$940.00} being the highest balance. I asked XXXX to clarify how both can exist, but she ignored the question and focused on the {$1000.00} charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a customer of Capital One since XXXX. Have had my oldest credit card since XXXX. Over 5 years I have saved up XXXX $ in cash-back rewards on the account. I have always paid on time. 

XX/XX/XXXX I received a letter from Capital One saying that my account usage was not in accordance with their expectation, that my account was closed, and that the rewards I had saved was forfeited. No further explanation. 

I was completely confused by this. After calling them it turns out that there was a returned payment on another other card that I use for expenses shared with my girlfriend. This card is also with Capital One. One day I had tried to make an early payment on that card - however, there was insufficient funds on our shared account and the money was returned. I rectified the error, made sure there was enough money and redid the transfer. 

However, this single returned transfer on another card is Capital One 's explanation for why they suddenly closed down my personal credit card and forfeited all the rewards I had carefully saved up without giving me even a warning. The shared credit card that I had tried to do the transfer to was not closed. 

I have a hard time imagining that this is legal. I hope CFPB can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/XXXX, I went on to the XXXX and ordered all three credit reports from XXXX, Trans Union, and XXXX. <P/>I only received one from Trans Union, which was dated as XX/XX/XXXX, and file number : XXXX, which contains all the same information with different collectors name on it. This is further committing FRAUD on the part of those on the report, since all the prior loans were defaulted and non-response on validation. I wish to be compensated for the damage this Trans Union slandering my reputation with non-existing accounts they created. Trans Union is supposed to verify the validity of the account before they put on the credit report. I wish to be compensated by Trans Union for each alleged creditor {$1000.00} which is XXXX times XXXX equal to XXXX by XX/XX/XXXX, and Trans Union is agreeing to pay me {$500000.00} by XX/XX/XXXX, if I do not receive the XXXX by the end of XX/XX/XXXX. <P/>Because of their Fraudulent report, me, my son, and my daughter had to suffer paying higher interest, and denied employment, denied credit card, and denied to a loan. <P/>For the XXXX, who used somebody else 's name on my request and denied report this year, I wish to receive the perfect, clean credit report from XXXX before XX/XX/XXXX. After this date, if the XXXX does not send me the clean, perfect credit report, XXXX is agreeing to pay me {$50000.00} dollar by the end of the XX/XX/XXXX. <P/>For the XXXX, who reported all the defaulted on validation for alleged loans, I wish to receive perfect, clean credit report by XX/XX/XXXX, if not, XXXX is agreeing to pay me {$50000.00} dollar by the end of XX/XX/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 2021-01-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient has put on my credit report late payments the President had issued a executive order regarding federal loans a pause in payments and interest till XX/XX/21. I have been making payments due to them putting late payments on my credit report and from them calling me telling me that I dont have a federal loan. I called and spoke to someone they said I have a commercial Loan He was unable to explain what that is? I went the federal website it says I have federal loans. I need clarity we are in a national pandemic. I need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company NCA is trying to collect {$110.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from NCA with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay NCA. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and NCA. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
To whom it may be concern, I have found Multiple activities on my SSN, Tax returns filed, hands on my bank accounts, use of my Driver 's License ( ID Number ) or Real ID in other states. Also holding on all the money deposited to my bank accounts since my bank account had Overdrafts fees. Donation of the Money hold and more because of the small amount overdraft charges in chase bank and XXXX XXXX. After my visit to DMV, it appears that there were several IDs made with my name or my Real ID number in order to use for Military Facility, getting mortgage, buying cars, getting several Auto Loans and more under my name, my credit card, using my Digital Wallet, making money of Bitcoin through my accounts and more. Also just found that they used our family business tax id number ( Claiming As Social Security ) in the Chase Bank which applied for car Loans in other States. I'm not able to activate my own bank accounts, personal & business, and not able to Enroll for new bank accounts. Also putting hold on all my Mails in XXXX and all the postal services, meaning I was not receiving my Mails for years, holding mails and forward a few of them to my Mailbox without my knowledge, and it's still happening. Please investigate, and inform me what type of information you need from me to do a complete background check, checking on withold money or the services like retirement which I never applied for, as well as tax returns, other government benefits which I never received but I was notified it's been applied when I was renewing my driver 's license. 

Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Experian Information Solutions 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 have mailed in 3 certified letters over to your company several times. I have documents to prove that these letters were mailed out on the specific date. I have tried contacting you through mail, phone, and fax. I know the law states that we the consumer are to wait patiently 30 days during an investigation dealing with a credit file. Well its well over 30 days and at this point I have no more patience at this time. I am in distress and have been diagnosed with XXXX over time period it has taken for a response and an internal investigation on your part. The photos that I have attached to this letter arent mine and I am disputing these attached photos as an internal dispute which is required only 2 business days. Since you decided to break the law and mistreat a consumer I have all rights to specify how I want this investigation to go and if you have a problem with it I would love to take this situation to court and settle for lawsuit against your company. This hasnt been the first time your company has been under fire and scrutiny for breaking the law and it seems like you continuously repeat the same old mess by placing erroneous information on consumers credit file and sell credit files over to 3rd party companies. In this instance I caught it and realized that these accoutns arent mine and they seem to be fraudulent and all are error that are reporting on my credit. The photos include the name of the deogratory accounts, inquiries listed on my credit file that I have no clue about. I will be following up in 2 business days and if this situation is resoluted by the time I will highly upset and forced to take matters into my hands and contact my legal team.

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 2018-09-16
Company: CMRE Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2017 I submit a complaint regarding two medical bills from CMR Financial, one of them was paid for my medical insurance and the second medical bill I made a payment arrangement with the company, and was told from them if I make payments on time they won't report to the credit agencies but was my surprise they reported the two accounts in my credit report, right now appears in my credit like derogatory of course the accounts has XXXX balance, because like I said before one of the accounts was their fault to report something that was paid, I proved with all the documents that I was right, and then they removed the balance from that bill, but still they reported to the credit companies.

The amount of the bill was {$6600.00} Member rate : {$1200.00} I just had to pay my coinsurance of {$200.00} plus my co payment of {$200.00} that was the money I paid for {$400.00} and made a payment arrangement of {$5000.00} a month that was paid long time ego

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
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: Account information incorrect

Complaint:
RE : XXXX XXXX : BACK IN XX/XX/XXXX XX/XX/XXXXI WAS RESIDING IN XXXX XXXX XXXX I HAD RECENTLY MOVED IN TO THE COMPLEX IN XX/XX/XXXX. MY MOTHER PASSED AWAY AND I WENT INTO THE OFFICE AN SPOKE WITH THE RESIDENT MANAGER. I ADVISED HER MY MOTHER PASSED AWAY AND THAT I WAS MOVING BACK HOME TO CARE FOR ELDERLY FATHER. I PAID A SECURITY DEPOSIT WHEN I MOVED IN NOT SURE OF THE AMOUNT TO THE DIME BUT IA PAID OVER 1000.00 TO MOVE IN AND I GOT A MOVE IN CREDIT FOR XXXX. I EXPLAINED TO THE MANAGER THAT I HAD TO BREAK MY LEASE DUE TO MY MOTHERS PASSING I EVEN BROUGHT A OBITUARY BACK TO HER. IN XX/XX/XXXX SHE ADVISED SHE WILL WORK WITH ME AND I WOULDNT BE RESPONSIBLE FOR THE REMAINING OF THE LEASE. SHE ADVISED I SHOULD BE GOOD UNLESS THERE WAS DAMAGES. I MOVED THEN LATER ABOUT A YEAR XX/XX/XXXX I SEE THIS ON MY CREDIT REPORT FOR OVER 1000.00 THIS AMOUNT IS INACCURATE. I HAD A CREDIT FOR MY DEPOSIT AND THE AMOUNT I SHOULD OWE IS XXXX   FOR THE CONCESSION I RECEIVED UPON MOVE IN. I LEFT THE APARTMENT CLEAN NO DAMAGES AND CLEAN CARPET. NOW THEY ARE COMING AFTER ME WITH INACCURATE CHARGES. AT FIRST WHEN I SEEN THIS ON MY CREDIT REPORT AS OLEN PROPERTIES I WASNT SURE IF IT WAS A PREVIOUS PROPERTY MY DAUGHTER RENTED IN MY NAME WITHOUT MY KNOWLEDGE SO I DISPUTED AS FRAUD. I AM DISPUTING THIS DEBT DUE TO INACCURACY I WILL PAY THEM THE XXXX AND NOT A DIME MORE. THEY KEPT MY SECURITY DEPOISIT MY BALANCE SHOULD REALLY BE XXXX

Company response to consumer: Closed with explanation