BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2017 I called to have auto draft payment moved from XX/XX/XXXX to XX/XX/XXXX ( I am paid semi-monthly ). I was assured, on a recorded call, that it would not draft on Monday XX/XX/XXXX and that I would have to call in the payment myself if I wanted it to be drafted. The payment hit my account on XX/XX/XXXX ( Sunday ), which means they posted it on that Friday before ( XX/XX/XXXX ). I contacted the company and they told me that I didnt call in enough time to have it canceled. I talked to several different employees and finally someone was able to get me reimbursed for my NSF fee and my payment. 
I canceled their auto draft for good, with good reason behind it. I do not trust this company to post LEGAL, ON TIME, payments from my checking account. I am now being charged {$34.00} every month because check from XXXX XXXX  does not get to them until after the XXXX of the month. I called on Thursday ( XX/XX/XXXX ) and spoke to several employees that told me that NO ONE in this company is able to help me with this and that I will continue to be charged this insane amount unless the payment is in on XX/XX/XXXX. The last representative that I spoke to claimed she was going to have her manager call me on Monday ( XX/XX/XXXX ) to try to get this situation taken care of as it has been going on since XX/XX/XXXX .... It is now Tuesday, after XXXX in all time zones, and I still have not received a phone call from this company. The only reason I came off their auto draft in the first place was because they obviously do not know how to post payments correctly and I do not trust them. My payments have been sent in on the last day of the month and the XXXX every single month, but I am still being charged this {$34.00} every month. No one can help me get these fees off of my account and I do not feel that I should have to pay this due to this companys carelessness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX XXXXXX/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 2023-12-19
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I receieved an email from XXXX that an account opening was attempted to open an American Express XXXX XXXX Credit Card. A month ago, XXXX mailed me a bill as well stating that someone purchased 3 cell phones under my name and social as well and reported it to fraud. Fraud company didn't provide me the XXXX  nor XXXX address from the individual that opened the account or provide me hardly any details that could be pinpointed toward the suspect and asked to hire a lawyer if I wanted further information. I placed a credit freeze on all 3 credit bureaus after the unauthorized account opening with XXXX and this still happened with AMEX. Not sure how this happens with credit freezes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXXXXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX is on the Wells Fargo bank app and pays to use wells fargo, I was scammed through XXXX, they told me to file a complaint with Wells Fargo, Wells fargo refuses to help, I wanted to stop other transactions from coming in so I won't be over drawn, they wanted to charge me fees and I would be overdrawn, I don't have money for XXXX until payday and Wells Fargo refuses to return my XXXX dollars

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 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The referenced collection agency has violated the FCRA and has falsified dates within my my credit file. The collection agency states that the debt is from a XXXX XXXX account in 2015. It is true that I did have an account with XXXX XXXX in 2015 but the account that the collection agency is referring to is not the account that was opened in that year. The account the agency is referring to was opened more than 7 years ago. The date that is in my credit file is not the actual last date of delinquency for a debt owed to XXXX XXXX. The debt collector also has not been able to provide any documentation from XXXX XXXX which is the original creditor they state the debt is owed to from 2015. Instead they are only providing inaccurate falsified paperwork. They contacted me via phone regarding a debt for XXXX XXXX and did not provide any account number or information regarding what account the debt was for. In not providing me with the documentation notifying me of what debt I was paying and to whom the debt collector has violated other laws in the 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 2021-10-29
Company: Blackhawk Network Holdings Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have purchased 5 Visa giftcards at XXXX store on XX/XX/2021 and I lost one of the Visa giftcards. I immediately contacted Visa giftcard support and was advised to contact Blackhawk Network support via email and send them the receipt from XXXX. I sent the email with the receipt via email on XX/XX/2021 and was supposed to receive a response within 1 business day. 2 days later I sent a reminder to respond but the company ignored both of my emails. This is a time sensitive manner, a giftcard is like cash. Obviously the company wants to keep the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime closed my bank account and says Im not eligible to receive my funds in my account and wont explain what I did. This happened after I made {$2000.00} worth of deposits yesterday after selling stocks and XXXX on XXXX to pay my bills. If this violates their terms I was not unaware and understand if they need to close my account but keeping my money when I have kids to feed and bills to pay is just crazy when Ive done nothing illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 opted out of all authorization written, unwritten, verbal, and non verbal Per 15 U.S.C. 6802. ( letter attached ) privacy act 1974. 
No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

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 2020-01-22
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Despite providing proof of insurance at time of vehicle purchase, First National Bank of XXXX, PA Ph # XXXX forced a {$5000.00} auto insurance policy on me. In 30+ years of purchasing vehicles, I have never had this happen. 

1. They made no attempt to contact me to discuss this matter over the phone. 
2. I only received a mailed notification after they already implemented this unauthorized charge ( they conveniently added it to the principal of the loan, probably hoping I wouldn't notice ). 
3. I was told by 3 different people at FNB that I would receive a full refund once they reached out to XXXX XXXX to verify that I had the insurance policy at the time of vehicle purchase. 
4. To add insult to injury, they only issued a partial reimbursement of {$3000.00} on XXXX. 

I don't see how this is anything but extortion. Where is the consumer protection in this type of egregious banking behavior?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The new company is called Diversivied Consultants calling on behalf of XXXX XXXX. I keep telling them that i didn't have XXXX and that they have the wrong person. They keep calling day and night. The balance is over 1400.00 and i pay my bills every month if this was my bill it would have been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: Village Capital & Investment LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Our home was hit by a tornado. We have already worked with our insurance and have a check for repairs to begin. Our mortgage company ( Village Capital ) requires their name on the check as well. We have called and been on hold for hours each time to try to find out the process to endorse the check. They do not have a local branch ( we were sold to them when we bought the home and didn't have a choice ). We can not reach anyone, and we are displaced from our home until we can have a heating unit installed. We have contractors ready to install the heat and begin the extensive repairs to our home, but we can not start the process until we get the mortgage company 's process for endorsing the check/releasing the funds. At this point, my family is living outside our home because they won't answer the phone. It is also costing my insurance daily for us to be displaced when we have the capability to get it fixed if they would just respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The address associated with this account isnt mine I have never had or have I ever opened a capital One or any other credit card. The person associated with the address XXXX XXXX XXXX XXXX to this fraud account should be prosecuted for XXXX if you investigation is through you would see this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My personal property was seized by this company on XX/XX/2023. Today is XX/XX/2023 & I have not received any letter stating they took my property, so I did some research to find out who had my car. I first contacted the police to report my vehicle stolen and upon doing that they did some research and informed me in their system my car was stating it was repossessed. Once I got in contact with the auto loan company they sent me to a company called Loss Prevention Recovery which then gave me information to the company XXXX  XXXX XXXX. XXXX told me they was hired by Capital one to seize my property and told me how I could go about retrieving my property and personal belongings. As well as I had 5 days before my car would be start the auction procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following account should be removed from my credit report I do not owe this debt. 

Portfolio Recovery A Opened XX/XX/XXXX + {$910.00} Original creditor : XXXX XXXX and Portfolio Recovery A Opened XX/XX/XXXX + {$1200.00} Original creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: AC AutoPay LLC, Denver, CO Branch
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I got a quote from autopay.com for a refinance loan. Their estimated price for the product I selected was $ XXXX/month. After I was " approved, '' the price jumped to $ XXXX/month and included gap insurance I specifically had UN-selected in my application, a {$1700.00} service contract I wasn't even given the option to select or un-select, and over {$500.00} in taxes and fees I had not been told about up front. The price after application vs when I prequalifed rose by over 42 %! Now, I know that these payments do fluctuate based on creditworthiness, but my score is in the 800s, so there should not have been such an alarming hike in the price. This bait-and-switch if I've ever seen it.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14, 15, 16, 17 and 18 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past 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 2023-06-20
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act you are reporting inaccurate information that does not belong to me. Equifax, XXXX, and XXXX XXXX. 

XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX XXXX XXXX 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 states a credit reporting agency can not furnish an account without my instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent letters XX/XX/2021 calling equifax, XXXX and XXXX out because of the outstanding violation and unknown items that happened on my credit report. Over 30 days have passed and i still have not received any response. I feel like i am being ignored of my disputes. Section 611 ( a ) states failure to investigate these items within 30 days gives immediately reason to delete all these items from my credit report. Because my dispute was sent more than 30days, they should delete promptly. I demand those accounts to be deleted as soon as possible or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach that happened and my information may have gotten in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Bureau Associates-Northeast IncXXXX for amount of {$4300.00} and account number is XXXX. I have sent Credit Bureau Associates-Northeast Inc. a debt validation again and they have not responded and still have account listed on my credit report with XXXX, XXXX and XXXX. The account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023 via certified mail tracking Transunion is in receipt of a package i sent to include : proof of my identity, proof of my address, FTC Identity theft report no. XXXX, the alleged account details, credit report dated XXXX with fraudulent account listed, credit report dated XXXX with the fraudulent account listed, a written statement that someone stole my identity, and to immediately remove the alleged account that is fraudulent and causing me personal harm. 

On XX/XX/2023 by phone call I followed up because the alleged account is still showing on my credit report. Per 15 USC 1681c-2 Transunion is legally required to remove alleged identity theft accounts within 4 days after receiving written notification by the consumer. I called multiple times which includes more than one occasion I was disconnected while being transferred to a supervisor or also more than one occasion the agent went silent and then disconnected the line. The agents i spoke with are XXXX, XXXX, supervisor XXXX, XXXX, XXXX XXXX, supervisor XXXXXXXX XXXX., XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, supervisor to a supervisor XXXX XXXX. 

Supervisor capacity agent XXXX XXXX says Transunion has the authority to decline or rescind any block and this is also fraudulent activity by Transunion and per 15 USC 1681b-2 Permissible purposes of consumer reports I have *not* given Transunion or any consumer reporting agency written permission to furnish my private information. 

My rights as a consumer are being violated and I request that Transunion comply and remove the alleged account.

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