BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Mortgage company is reporting 60-90 late payment on an account that is paid off

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 2021-08-05
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I purchased a set of headlights from a gentleman in XXXX for {$4800.00} on XX/XX/2020, using my XXXX credit card through Paypal. When the lights arrived, one was damaged. I was unable to receive compensation for the damage from the seller, so I disputed half of the amount with XXXX. I was awarded the disputed half at {$2400.00} ; however, the remaining {$2400.00} ( the full payment balance ) was also pulled from the vendor by Paypal and never returned to either the vendor nor myself. I have contacted XXXX and Paypal at length, and have been told repeatedly by XXXX that only half was disputed the half and they have no control over the other half, and by Paypal that the full amount was pulled from the vendor and returned to XXXX. XXXX needs to work with Paypal to determine where that other half of the money is, because as of right now, 9 months later, neither party has that {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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 pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA ( Fair Credit Reporting Act15 U.S.C. 1681-1681x ), it should be removed. However, l have sent in continuous dispute letters obtaining all information needed to remove the inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is CRACCEPT/CAC. The Inquiry date is XXXX XXXX. The bureau reporting is TransUnion.

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 2018-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX THIS ACCOUNT STATES THAT I HAVE A Maximum Delinquency of 120 days in XX/XX/2012 for {$8600.00} and in XX/XX/XXXX< AND I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THE LATE PAYMENTS OFF XXXX XXXX XXXX XXXX XXXX  ACCOUN # XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ( XXXX ) XXXX THIS ACCOUNT STATES I HAVE A >Maximum Delinquency of 30 days in XX/XX/XXXX< HOWEVER I WAS NEVER LATE ON THIS 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 explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Almost two months ago my XXXX Credit Card balance was higher than its ever been and I immediately paid it down, almost to zero. To THIS DAY, the card company, XXXX, and Equifax will not report it as decreased so my score will go up BUT THEY SURE AS XXXX MADE MY SCORE DROP 62 points when I used my card!! UNBELIEVALBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: OH
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:
I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this immediately. You can not keep telling me you vaildated something and it still report false. Equifax and XXXX both of completely different information from dates they have, to payments, to credit limit to high balance and so on and this is a huge violation and need to be DELETED NOW HUGE VIOLATION OF MY RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Account, XXXX account numbers XXXX and 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.

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 2018-01-26
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, below is the previous response from JP Morgan Chase Bank in regards to the initial inquiry : ******* We are unable to locate the CD account with the information you gave us. We are required to keep records of accounts for seven years. However, the information you provided shows the CD would have matured in 2001. The funds may have been considered abandoned or otherwise inactive after a certain period if they were not withdrawn. We can research this further if you can find and send us a bank statement or an IRS Form XXXX for the CD dated within the last seven years. Unclaimed funds are sent to the state of the account holders last known address on record by the bank maintaining the account at that time. You may want to search XXXX and XXXX to see if they may have a record of the CD account. 
********* I have thoroughly researched with the state of Oklahoma in regards to any unclaimed funds. They indicated that there weren't any funds from JP Morgan Chase Bank turned over to Oklahoma in my name. Additionally, if there were funds in such a large amount as {$10000.00} there would be no statute of limitations for how long the state would hold to them. Simply put JP Morgan Chase never turned over any funds on my behalf to the state of Oklahoma. 
Futhermore, I've also checked with XXXX they have no record of any money for me. 

I have been a member with JP Morgan Chase for over 20 years. Not only with banking but with my financial investments being managed by JP Morgan as well. In fact most of my financial needs ( XXXX XXXX military pay monthly direct deposit, credit cards, safe deposit boxes, checking, XXXX military pay, IRA etc ... ) all managed by JP Morgan Chase. During this time I've traveled all over the world with the belief my money was safe. Upon my XXXX as I was going through my old files is when I came upon the original Certificate of Deposit and the receipt showing the funds being withdrawn from my checking account to start the CD. A copy of all these documents was provided to JP Morgan Bank. 

When JP Morgan took over XXXX XXXX  is around the time that the CD records can no longer be located. The question remains, " What happened to my {$10000.00} CD? '' With all this in mind I find it unbelievable and  unacceptable the response and lack of effort to resolve this issue for a loyal customer. A multibillion dollar organization can't locate these funds or account for them? I believe they could if it really mattered to them. It does to me. 

In closing, I'm requesting that my complaint is made personally aware to XXXX XXXX XXXX, JP Morgan CEO, to help resolve this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've been writing checks from this account which I had signatory power for over 7 years. My Dad passed away on XX/XX/21. On or about XX/XX/21, WITHOUT ANY NOTICE OR WARNING, Bank of America, ( BOA ), withdrew all the funds from the account leaving a zero balance, and froze the account. When I called to find out what was going on, they said I could no longer access the account until a bunch of legal steps take place which only a lawyer could institute, and that my Dad 's death certificate and his will naming me as the Successor, ( after my Mom 's passing ), was insufficient. What is the purpose of a will? They also refused to honor any checks that were previously written and not yet cashed from that date, causing the situation of possible bounced checks and a lot of aggravation. I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX, but they said they had no jurisdiction over BOA and referred my complaint to you. I believe their 'stealing ' of funds, and not allowing me access to these funds to take care of my Dad 's financial affairs, even with a will, is excessive use of their authority.

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 2018-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To Whom It May Concern, The reason for filing this complaint with your agency is to request your assistance in resolving the issue TransUnion Consumer Relations refusal to accept my request for investigation mailing my complaint form by U.S mail. They stated in a document I received through XXXX XXXX that my dispute must be submitted using TransUnion website or they will not investigate. I am requesting your assistance in helping to investigate the issues and violations into the refusal and retaliation against to reject any request.

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 2018-08-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I discovered fraudulent activity on AMEX this account in the amount of {$970.00} in XX/XX/18. I contacted the company with no resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: Netspend Corporation
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Netspend called and said there was a suspicious transaction on my account. I called to verify that it was me who made that. Shortly after getting off the phone, the money was taken out. On XX/XX/09 at approximately XXXX XXXX, {$940.00} was withdrawn from my Netspend prepaid account. I called Netspend 5 times and they dont seem to know where my money is. No one else has access to my Netspend login information. They say theres nothing they can do except launch an investigation that could take up to 90 days.

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 2020-02-10
Company: Cheadle Law Firm
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I just caught this a minute ago, I would like to know exactly what this means : " The lender 's contract with this borrower obligates the borrower to pay the lender 's attorneys fees. Those fees continue to increase. '' This looks as if you are saying the attorney fees are increasing. How is that possible? Are you going to try to charge me for writing several responses for {$400.00} per hour or for two sentences? 

I'm not sure how this attorney could say " those fees continue to increase. '' I'm not understanding that. 

Please verify EXACTLY what you mean by this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX  I reached out to Navy Federal Credit Union and spoke to Ms XXXX at XXXX Ext XXXX regarding my credit card debt that was already many years old. I wanted to seek a settlement. Ms XXXX stated that I could settle the account for {$1700.00} and that the account will report to the credit bureaus with a XXXX   balance. Today after seeing my credit reports. NFCU is reporting settled with a balance. I called Ms XXXX to ask why. She states that she never said it would report a XXXX   balance. Just that the account is settled for less than the balance owed. I took my entire available funds to clear up an old debt believing that it would clear up a debt. The debt is still there. NFCU has employees that are stating misleading information to people to collect a debt. I obviously would not have entered into an agreement if it would have been explained properly. Ms XXXX purposely danced around the explaination to make me believe it would be cleared up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have worked on fixing correcting my credit which is depending on agency XXXX about. I filed for a Best Buy credit card notice sent for denial was because they could not confirm it was me, so I mailed a copy of my bill with my address and name on house bill house by the way I own outright. 2 letters sent asking what is going on one call, but never got a response which stinks to have what I believe is good credit and denied for not any known reason. I wrote them and scanned my home bill in my name only and its been over a month since this happened, but they never respond at all. I did check XXXX believe it was they sent me a report but could find no issue that in my opinion would of created this or an issue or if not given credit a reason other than then they can not confirm I am who I said I am. If issue, thought they would of asked or called me or responds a least to my inquiry so I know what the reason was verse having NO IDEA why they denied me credit. I am unsure of anything other than use or nicked my credit score a few points to apply and would of a least expect a professional response vs nothing, evidentially writing to them and asking them will not get them to respond or ask question if there was or is one.

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 2020-12-22
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my mortgage held by PHH Mortgage. 
After I completed this, on XX/XX/2020 I received an email acknowledging that the loan was paid in full and telling me that the escrow would be refunded to me within XXXX business days. On XX/XX/2020 ( XXXX business days after this message ) I called, and they told me that the mortgage was paid off on XX/XX/2020. They said the refund check was prepared on XX/XX/2020. They said the regulations meant that I would receive it within XXXX business days of XX/XX/2020. I disagree with what they asserted. I believe it should have been returned to me within XXXX business days of XX/XX/2020, or by XX/XX/2020. I have not received it as of that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Greetings, My name is XXXX. This is simple really, I had to have a replacement card sent to me because I lost my previous card. I have already paid off the account, pictures are bellow ) and they still have this lost card under my closed accounts. I need all the the room I can get in my credit report. Im a XXXX year old XXXX XXXX XXXX moving out XX/XX/XXXX. Thank you very much for anything that you can do. XXXX bless.

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 2019-07-02
Company: SYNCHRONY FINANCIAL
State: CA
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 received a credit alert from my credit monitoring service. I had three hard credit inquiries on my report in less than a week ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) by a company that provides credit to WALMART and LOWES and one from XXXX. I never applied for credit with any of these companies in my life. The credit inquiries caused my credit score to go down several points for each inquiry. I phoned the first company, SYNCB, and after many attempts to find out what this was on my credit report, I was transferred to XXXX in the Fraud Department. I was told by XXXX that there was nothing he could do to help me unless I provide my SS #. I did not want to provide my SS #. XXXX told me that I should contact the credit bureaus and tell them to remove it from my credit report. I phoned XXXX   and they told me that I needed a letter of deletion from the creditor to have it removed from my credit report. I do not feel comfortable providing my SS # to the creditor ( whom I never asked to do business with in the first place ). I put a credit freeze on all three of my credit reports and I am hoping that you will be able to help me have this information removed from my credit reports.

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 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I decided I wanted to try and purchase a house at the beginning of XXXX so I pulled my credit reports. I have a XXXX XXXX credit card that is open and in good standing today. What I found upon pulling my credit report around XX/XX/XXXX was that there was another XXXX XXXX XXXX opened in my name around XX/XX/XXXX that does not belong to me. I submitted a letter to XXXX XXXX to let them know that the card that was opened, was opened without my authorization and does not belong to me. I did not receive a response to my letter sent. I then called XXXX XXXX around the end of XX/XX/XXXX directly and they confirmed that I do have a current account in good standing and notified me that the account that did not belong to me would be removed immediately as it was issued without my consent or authorization to whatever unidentified party. XXXX XXXX has yet to remove this account from my credit report. It is hurting my credit profile and makes me look like someone who doesn't fulfill their obligations when it comes to extending credit. Please help me get this information removed from my credit profile.

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 2018-01-26
Company: NRA Group, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Attempting to collect a debt XXXX in bankruptcy, refuse to remove negative credit reporitng.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief