BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I am a victim of identity theft. My daughter stole my ID and credit cards and took out cash advances and loans. We do not look alike they allowed her to sign my name and take the money. I have provided them with a police report and my hand writing showing them it was not me.She took a XXXX dollar cash advance on 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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in regard to account number - XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX. 

On XX/XX/2015, I was transported to the emergency room by XXXX XXXX XXXX. I provided my insurance information during transport. XXXX XXXX XXXX did not properly bill my insurance carrier for my transport. 

I called my insurance carrier ( XXXX  ) to confirm my claim status with XXXX XXXX XXXX and was advised that no claim was filed on my behalf. I then contacted the XXXX XXXX XXXX directly and spoke to a representative to advise that a claim was submitted inaccurately or not at all, which caused a billing error/issue. I informed the representative with XXXX XXXX XXXX, after speaking with my insurance carrier ( XXXX  ), to re-submit the medical claim, at which point the representative refused to resubmit claim stating that the timely filing period has expired, and I am now the responsible party of the alleged XXXX Emergency bill. I believe XXXX XXXX XXXX balance billed me, which is illegal in the state of GA and then sold the account to Creditors Bureau Associates ( Collection Agency ).

Creditors Bureau Association failed to provide me a notice of debt, prior to inserting this alleged account onto my credit report. I was not provided the opportunity to request validation of this alleged debt. I have disputed this alleged account on several different occasions with all major credit reporting agencies, as well as the collection agency, and all parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and 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 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account # XXXX was included in a discharged chapter XXXX bankruptcy docket # XXXX and they are still reporting negatively every month and reporting a balance. They are in violation of the Bankruptcy Stay and the next correspondence will be from my attorney.

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 2022-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Problem with personal statement of dispute

Complaint:
Creditor has not provided the information I have Requested to confirm that the alleged amount is actually owing. 
On XX/XX/2022 ( see attached ) I requested the debt collector to provide original signed credit application, cashed checks used for bill payment or original billing statements. This information has not been provided. Debt collector continues to post negative information to the credit bureau ( s ). Thereby, failing to produce validation of the debt actually been owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2022 I mailed my monthly mortgage payment to XXXX XXXX  in the amount of {$7500.00}. The check had not gotten their by the XXXX which is the grace period for my mortgage. I worked with my mortgage companies manager in some department to submit a lost request and was told they would look for the check. 
On the morning of Saturday the XXXX I noticed that yesterday on the XXXX my mortgage check was cashed. Now normally when my mortgage company cashes my check it shows as CHECK # ( Insert Applicable Check Number Here ) MORTGAGE SVC CTR CHECKPYMT ARC ID : XXXX and I am not able to see the image of this check. Now this check that was cashed on the XXXX appeared as just CHECK # XXXX and it allowed me to look at the image. I found this weird so I clicked on the image and upon viewing it saw the check was made out to " XXXX XXXX '' now when I wrote this check it said XXXX XXXX  on it not " XXXX XXXX '' I did however notice that my signature, date was the same. However the only other thing other than the name that was different was the memo. Normally I write my account number in the memo however this memo said " Maintaince '' spelled incorrectly I assume trying to look like Maintenance. I immediately called Chase and they opened an investigation. I was told that I had to wait for a declaration to be mailed to me in order for them to start processing the investigation. The declaration took a little over a week to come all that time I was still out nearly {$8000.00}. I ended up having to drain my emergency fund to pay the mortgage and that now means that if something happens to me that it would be disastrous as I have many bills. Chase then informed me after sending in the declaration that this take anywhere from 60-90 days. I was told on the phone by chase to take cash advances on credit cards or find other means to get money. This is absolutely a ridiculous thing to say to a long time customer and is extremely unprofessional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is reporting on a debt I do not owe. This debt is from Capital One and I had previously paid this debt with another creditor a very long time ago. This debt is not owed and needs to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XXXX XXXX, I discovered that my bank, Navy Federal Credit Union, had authorized a fraudulent XXXX XXXX transfer. I reported it as soon as I discovered it, approximately one day after it actually happened. I was notified on XXXX XXXX that they believe it was not fraudulent, and that I authorized the transaction. The only evidence the " investigator '' reviewed was the phone call ( comparing our voices ) and the name of the recipient of the transfer ( apparently myself ). He failed to ask me anything relevant to the transaction ( he only asked me about my military rank because he believed it to be an error in the system ). If he had, he would have determined that I was not in the apparent location of the received funds, in FL, but rather in NC. It 's beyond belief that he 's relying on the fact that the funds were received in my name -- my identity was stolen, of course the criminal could make a fake ID with my info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Experian Information Solutions Inc.
State: PR
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:
After Hurricane Maria passed through Puerto Rico, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies. 

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice. 

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.

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 2020-09-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a XXXX XXXX Credit Card, paid late, they sold it to XXXX XXXX XXXX XXXX XXXX did a great job of helping me ). XXXX XXXX still shows that i have an active account with them even though I have a paid in full letter from 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 2019-10-08
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:
THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, PLEASE REINVESTIGATE THIS MATTER AND HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE FOR THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.

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 2022-02-16
Company: Aspen National Financial, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am filing a complaint against XXXX XXXX. For over a year now, I have been reaching out to them, requesting options for cancellation out of this timeshare. Instead of aiding and options for resolution, the only responses and communication I have received from them have been regarding payment they are requesting and never any option to alleviate this from me. This timeshare has very easily become a burden, especially because it was initially misrepresented to me. It is impossible to sell or try to rent this timeshare as hundreds of people are trying to do the same on XXXX and XXXX. They kept bringing up my family and how this would benefit us. I was never informed that the maintenance fess would keep increasing and after only two years it increased almost {$30.00} more. I did not sign up for that and I feel forced into paying those. The presentation took an enormous amount of our time and took up one of our vacation days and the paperwork was very rushed. They toured us around the XXXX area, there they gave us an alcoholic drink and nothing but a bunch of lies. I have explained my concerns and circumstances to XXXX and all I have expected was a response with a solution and they have failed to provide me that. 

This was a misrepresented contract and I am taking the proper avenues to cancel my contract with XXXX XXXX. The cancellation of that contract will absolve any debt with them, so there will be nothing to pay XXXX afterwards. Also, I never agreed to work with a third party collection agency and sent a cease and desist to them. They should not be involved anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX  XXXX Paid as agreed. 
XXXX Paid as agreed. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

You are also in Violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX, and Federal Trade Commission. 

I am in fact a consumer and never gave you written permission to furnish these accounts on my consumer report. I DEMAND you to remove asap. 

XXXX XXXX XXXX  XXXX XXXX, XXXX -Remove from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Remove from my report XXXX XXXX XXXX XXXX. XXXX, XXXX Remove from my 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 non-monetary relief
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: AL
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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Harley Davidson Financial Services Inc
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They contacted my XXXX  child while they were at school and told them to have me call them about a debt that is in litigation ( we were hit by another person and insurance is paying off the motorcycle ). My husband had XXXX XXXX due to the injury from the accident and we have been at the hospital for 3 weeks while he recovers. They are calling my XXXX child, distant relatives, employers, neighbors.. etc. we have told them to stop calling and they will not. XXXX from XXXX XXXX financial called my son, and my mother in law stating that there was an issue between my husband and I she needed to speak to her about. The tactics are extreme. To call a XXXX child on their cell phone that their father pays for and I am not connected to, and to leave a message for a child to tell their mother, I am appalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
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 ran my credit report and  XXXX  was in it for a bad debt.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  The balance they said I owe is {$150.00}.  <P/> I do not have an acct with them. I suspect fraud.   They do n't have a phone number.  <P/> Please help me resolve this and get if off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
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:
I ran my credit report and  XXXX  was in it for a bad debt.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  The balance they said I owe is {$150.00}.  <P/> I do not have an acct with them. I suspect fraud.   They do n't have a phone number.  <P/> Please help me resolve this and get if off my credit 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 2022-02-16
Company: Google Compare Credit Cards Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
well when i did some how it got turn right around and got done on me but that's not the only thing either there is so much more that's been going on and i know who is doing it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian XXXX/XXXX/XXXX {$11.00} nothing they could do about the fee. 
XXXX XXXX/XXXX/XXXX {$10.00} plus tax it has n't hit my account yet. Nothing they could do about the fee. 

My Identity is compromised in the XXXX security breach. Due to this I had to lock down all of my credit bureau. I think it is highly unethical to charge a fee to lock down bureau accounts under this situation.

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 2017-12-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My most recent Care Credit/ Synchrony credit card statement dated XX/XX/XXXX included an expired Promotional Zero Finance Deferred Interest charge of {$430.00}. 

I had made multiple charges under this plan and always paid on time with more than the minimum required, feeling that satisfied the agreement. 

They took the balance from XX/XX/XXXX of {$1500.00} and added {$430.00} and another {$1.00} for other purchases at the rate of 26.99 % .So instead of owing {$1200.00} I now owe {$1600.00}. 

I contacted Customer Service on XX/XX/XXXX and was told that it was added to my unpaid balance and it 's due.

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 2022-02-16
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We paid {$850.00} for an appraisal at the requirement of PHH Mortgage. We have received no copy of the appraisal. Our loan was denied on the basis of the appraisal but I don't even know exactly why because I do not have a copy of said appraisal an PHH will not give us any details. The appraiser left no card or information, so I can't contact the appraiser. I can not get anyone at PHH Mortgage to return my messages. I can no longer get into the loan application portal. I have had foundation engineers out to look at our house and they find it structurally sound and said it does not need further work. I can only guess at the reason for the rejection because I have not seen any documents or had anyone return my calls or messages or e-mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Company response to consumer: Closed with explanation