BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-09
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a Notice of Collection dated XX/XX/XXXX from PennCredit Corporation regarding Creditor : XXXX XXXX XXXX  ( ID # XXXX ) in the amt. of {$240.00} for a " delinquent utility bill '' - Service date : XX/XX/XXXX Account : XXXX. This debt is not mine and this company has violated my FDCPA and FCRA rights : # 1 - I have not lived in MD, nor had an account with XXXX XXXX since I moved to another state over 11 yrs ago. 
# 2 - I have not owed property in MD since I sold my townhome almost 5 yrs  ago. 
# 3 - Finally, PennCredit 's website indicates they report to the Credit Agencies and is a member of XXXX, thus creating a potential long term impact on my credit score. 

I do not know if PennCredit Corp. " Skip Searched '' me themselves or if they outsourced to a Third Party with equally poor quality standards but this type of shoddy work should not be tolerated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: JPMORGAN CHASE & CO.
State: CA
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 was applied online on XXXX credit card, after that I got a letter " we do not have enough information about you, send us copy of your SSN and prove address '', I did that twice by fax, first time from my job, second time from Chase bank office. 
In several days I got approved on my XXXX credit card and I was expecting this card by mail, but I got a letter " we closed your account because we don't have enough information about you ''. I didn't get a card at all. I went to the bank, manager told me that they can not tell me anything, they will send me a letter with explanation. 
I waited more than month and I didn't get anything. Then I went to the Bank office and spoke with manager about this situation, he gave me phone number appropriate department, I called them and they told that account was closed more than 30 days ago and they can not do anything. It means if I got a letter from Bank I in time, I would have a chance to handle this situation, but they didn't send me anything. 
Also I don't understand why they don't have enough information about me if I sent them SSN and PG & E statement ( prove address ) and they approved credit card but after they closed account with explanation " we don't have enough information about you ''. 
My credit score dropped down from XXXX to XXXX because of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX {$970.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$2600.00} Debt can not be collected twice ; settled with original creditor ... unlawful and disgusting ... 
Original creditor has stated that they did not verify, and that they have it on record that my insurance carrier paid all XXXX accounts ... so why do you still report these? 


... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-06-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My name is XXXX XXXX and I am a XXXX veteran. About three weeks ago I went into the hospital for treatment for a XXXX I have called XXXX XXXX. My finances have been messed up since I missed a benefits pay but I have existed. Most recently I forgot ( due to my hospital entry ) to cancel auto payments on a credit card and my bank account causing my account to become overdrawn. Since then I have scrambled to come up with funds to cover the OD   and I have been charged over {$300.00} in fees by citizens. I contacted them asked to have the fees waived. I exist on about 1000 a month or XXXX a week. These fees have me in such a bad situation my health is being affected because I cant afford a XXXX XXXX. I have borrowed and begged but I need assistance from the bank at this point. I am once person one drop in the bucket and your bank doesnt need my blood. Please I am asking you to not penalize a sick man. All of the fees you have charged me is putting me at further risk and even though I am young, I am XXXX XXXX bound, am unable to XXXX and relied on my nurse for most of my purchasing. While I understand you need to make a buck off the backs of those who use your services, this XXXX XXXX   doesnt have any more space on his. 

All of these fees came about because I didnt get a transfer because I was in the hospital and sick and forgot to transfer the money to cover my auto payments but I stand by the fact if the account was over drawn Citizens shouldnt have sent THEIR auto payments. They arent responsible for the auto payments I had with XXXX and XXXX XXXX but my account was OD by {$900.00}. And look how many were fees??? How is this not predatory! And my account is STILL Overdrawn!! 

I am asking that you help me recover these funds. 
Sustained OD on XX/XX/XXXX {$30.00} Returned item fee XX/XX/XXXX {$35.00} Sustained OD on XX/XX/XXXX {$30.00} Sustained OD on XX/XX/XXXX {$30.00} Overdraft fee on XXXX {$140.00} ( Citizen bill payments were sent on an OD account while I was hospitalized ) Overdraft fee XXXX {$35.00} Overdraft fee XXXX {$35.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
on XX/XX/XXXX I purchase a home, It had taken me about 3 years to save for the down payment and I was able to put down {$530000.00} on this property. In XX/XX/XXXX when the housing market started to crumble and many home value decline I fell behind on my mortgage. After a long court battle I was offer a modification. I did not realize at the time because it had been six years in court I was financially exhausted and mentally drain that JP Morgan Chase was putting a new mortgage that was more than three times the value of the property. At the time they were doing this, they had receive a $ XXXX TARP Bailout from the US Government, Additionally it was illegal to palace such a modification that was three times the value of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Experian Information Solutions Inc.
State: NY
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 been a victim of identity theft.

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 2018-08-08
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is being sent in response to notices sent to me from " Credit Protection '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Common Wealth Financial on XX/XX/18. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to  protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX XXXX have been re-aged repeatedly - see attached XX/XX/XXXX credit reports. Closed accounts are reposted with newer closed dates and payments are shown in closed accounts to continue reporting. 

Age off dates are posted in my credit reports XXXX, XXXX, XXXX, XXXX they just keep moving forward. 

I disputed the report two weeks ago and the CRAs posted a year of new payment activity in the long since closed account in response last week. 

Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have filed complaints with the bureaus about negative information being reported on my consumer reports. I am a federally protected consumer with rights. I have a filed complaints with the cfpb and even showed documentation. The accounts are still somehow getting verified. I am bringing the laws to back me up this time. According to 15 usc 1692 only I the consumer can validate a debt. The bureaus were not there at the time of any of these alleged transactions. In order for them to verify anything they would need to interview my neighbors or family members which none of that was done to properly assess the alleged debt. Also according to 15 usc 1681b ( a ) ( 2 ) A consumer reporting agency can only furnish a report with my written consent which they do not have.

As a federally protected consumer I also have the right to privacy 15 usc 1681b ( c ) ( 1B ) ( iii ). These alleged transactions are linked to my credit card which means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. ( This is my social security card ) 15 usc 1602 ( i ) Transunion deleted the XXXX  accounts but XXXXXXXX  and XXXX  claimed they're verified that makes no sense, I want this competely and thoroughly investigated.

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 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and picked out the car I wanted for her I had to get my credit report pulled and there was a list of things I was not familiar with. None of these things listed on my report is not mine. Could you please remove these items listed. 

XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$130.00}

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 2018-11-15
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have struggled to get Wells Fargo to review my application for Loss Mitigation Assistance due to hardship, income reduction, loss of rental income, and no assets. I kept being told I do not qualify I have 5 properties, however it is 3. The other ones co signed do not have anymore, we have provided all documents and unsure why I was denied. They could not explain to me the denial reasons, I have played phone tag with them for over a year now. I recently applied in XX/XX/2018 and unsure what happened and why I was denied. Now I am being told after many attempts to re-apply the sale date is close and we can not do anything. 

Please escalate this matter to their VP, Chairmans, Attorney 's as this is an ongoing process and nothing has been done with their management esclation team. No one wants to have authority to make exceptions, we love our home and need to keep for retirement purposes and have true hardship and cannnot get loss mitigation dept to to their job successfully.

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 2018-06-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
ABOUT XX/XX/XXXX WELLS FARGO BANK OFFERT ME A BUSSINES REVOLVING CREDIT CARD TO MAKE PURCHASE FOR MY STORE. I ACCEPTED, AT THAT TIME I WAS USING MY PERSONAL ACCOUNT AT WF BANK, SO I BEGAN USING THE CREDIT CARD PROVIDED BY W. F. BANK IN XX/XX/XXXX. I MADE AN {$8000.00} PURCHASE AT XXXX XXXX # XXXX, AFTER THIS FIRST PURCHASE I MAKE THREE MORE PURCHASES, XX/XX/XXXX, {$6000.00}, XX/XX/XXXX {$3700.00}, XX/XX/XXXX {$2900.00} AND {$76.00} IN SMALL PURCHASES, THE CHARGES AMOUNT TO {$29000.00}. I WANT TO OBSERVE THAT I ONLY USED THE CARD TO PAY TO XXXX XXXX. I PAID THE TOTAL AMOUNT OF THE PURCHASEON THE FOLLOWING WAY.XX/XX/XXXX {$5000.00}. CASHIER RECEIPT XXXX, XX/XX/XXXX {$2000.00}. C. RECEIPT XXXX, XX/XX/XXXX CHECK # XXXX.FOR {$6500.00}, XX/XX/XXXX {$5000.00}. CASHIER RECEIPT XXXX XXXX. XX/XX/XXXX {$5000.00} CHECK XXXX, XX/XX/XXXX {$4000.00}. CASH RECEIPT XXXX XXXX, XX/XX/XXXX {$5000.00}. CHECK XXXX, AND XX/XX/XXXX {$380.00}. CHECK XXXX. SO I PAID AN AMOUNT OF {$32000.00}, INSTEAD {$29000.00} OVERPAING THE ACCOUNT ON {$3600.00} AND THE BANK DOES NOT WANT TO REFUND OVERPAID.AMOUNTOF {$3600.00} AND BY MANIPULATION OF THE NUMBERS THE BANK DENIED THE PAYMENT..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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 recently had a card go to a charge off. I had been very diligent at keeping the bill below 180 days. I called Capitol One to set up my XXXX payment and was told it was due XX/XX/XXXX which the agent set up the payment for me. Upon logging in to set up my XXXX payment, I found the account had been charged off. I called and was told that they do not post or run payments on the XX/XX/XXXX ( XXXX XXXX ) I explained that was set up by their CSR. I was put on hold while they researched my claim. The lady came back on the line to tell me I was correct in all that I had stated that it was not my fault that the debt was charged off. The error was made on their end when the CSR set up my payment on a day that is a US Holiday and not worked. I was told that they would immediately be removing the charge off along with any history of this card from my account and from my Credit report. I spoke to XXXX ( spelling? ) and her agent # XXXX. She assured me this would no longer be in my credit history. I repeated to her my understanding of what she had told me, she said correct and I had the agent then repeat herself again. She also said I would receive such correspondence in the mail, which I did. ( letter is attached ) Now 2 weeks after the first letter, I have received a second letter from Capitol One now stating that they have investigated my claim of a dispute and have found that their information is correct and the late status and charge off will remain on my credit report. 

I take issue with Capital One because : ( 1 ) The creditor failed to inform me that the payment would not be processed in a timely manner due to the holidays ; and ( 2 ) The creditor acknowledged their mistake and made an agreement by phone and in writing, to remove the charge-off and account history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I am a consumer with Bofa online mobile banking the issues I am having are XXXX the new assistant I spoke with numerous reps and they say we will put it in feedback and I waited for the update to turn OFF XXXX FROM SETTINGS AND MY definition FOR IT IS SHE IS STILL IN THE APP BUT SHE IS TURNED OFF OR REMOVED FOR THE ACCOUNT AS A CONSUMER WHO NEVER LIKES TO FORCED WITH A SERVICE ON A 3 YEAR OLD PHONE THAT CAN NOT SUPPORT THAT SERVICE FROM MY experience FROM USING THE APP IS SLOW AND YOU ARE responsible FOR THE UPDATE AND FIXES AND MAKING OLDER DEVICES HAVE options TO TURN OFF FEATURE THAT CAN CRASH THE APP AND MAKE IT unresponsive TO USE WHILE ON THE GO AND I NEED A CLEAR explanation WHY YOU ARE NOT listening TO CONSUMERS ABOUT FIXING THE ISSUE THAT CONSUMERS ARE HAVING WITH THEIR OLDER DEVICES THAT STILL SUPPORT THE OS ON THEIR AND FROM MY RESEARCH FROM OLD APP WAS STABLE CPU ( Central Processing Unit ) WAS IN A STABLE STATE BEFORE XXXX WAS RELEASED AFTER A MOUTH SHE WAS RELEASED AND MY CPU WAS BAD AND I AM HAVING A UNSTABLE PHONE TO USE ONLINE BANKING I CALLED THE REP AND HE WAS ABLE TO REMOVE IT BUT SHE CAME BACK AND MY CPU WAS SO BAD I SAID NO MORE THIS HAS TO BE A UPDATE FOR OLDER PHONES TO BE ABLE TO TURN OFF NOT unenroll HER SHE WILL BE ON YOUR ACCOUNTS PAGE I WANT TO BE ABLE TO TURN HER OFF IN SETTINGS BUT SHE WILL BE IN THE APP BUT NOT TURNED ON WHICH MEANS NOT ON THE ACCOUNTS PAGE HAVE AN UPDATE AND GIVE A CLEAR EXPLANATION WHY YOU ARE REFUSING TO RELEASE A UPDATE FOR OLDER DEVICES THAT SUPPORT THE OS BUT NOT THE SUPPORT FOR THE NEWER PHONES HAVE BANK OF AMERICA FIX YOUR APP FOR OLDER DEVICES AND GIVE A CLEAR EXPLANATION OF WHY NOT RELEASING A UPDATE FOR OLDER DEVICE I GIVE XXXX OR BOFA APP 1-10 STARS FOR NOW UNTIL ITS FIXED.

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 2017-11-14
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In the latter part of XX/XX/XXXX my wife and I applied for a Lowe 's credit card. I then received a letter from Synchrony Bank, XXXX XXXX XXXX, XXXX FL in which I was told that my part of the application had been rejected. My credit score is around XXXX and I owe nothing to anyone except a small mortgage. All my bills are paid on time. My annual income is about {$20000.00}. Apparently the XXXX credit agency had a hand in this decision.

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