BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
n accordance with the fair credit reporting act XXXX BANK 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 XXXX  BANK 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 2020-05-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I wrote written requests along with VERBAL requests to this company to cancel this policy last year. It is now that they are reporting to the credit bureaus with a balance. Unacceptable and FRAUD. 

THere is a fraud alert placed on my account and by no means did I have a policy with them that accrued a balance. I will attach a picture of my email.

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 2019-04-06
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX ( XXXX XXXX ) listed a used unlocked XXXX XXXX XXXX XXXX for sale at {$55.00} with {$5.00} shipping but waived shipping if I paid through square cash app using debit card. I paid {$50.00} through cash app on XX/XX/XXXX but still have not received the item and seller is not responsive. He even blocked me from requesting a refund through cash app on XX/XX/XXXX. I have tried to contact him but to no avail. I have filed a complaint through Cash app and XXXX XXXX and am awaiting a refund for non receipt of merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir or Mam, I don't know were to begin but I lost my wallet in 1999 when I was XXXX XXXX XXXX. From then on I have had calls, messages left on landline answering machines, and now cell phones. I even got XXXX one time and the police started XXXX when they looked at me because they said " You were suppose to be an XXXX XXXX XXXX ''. They showed me a XXXX state Identification Card with all of my stuff on it name, address, date of birth, etc ... but a picture of her with green contacts in because I have green eyes. I can not figure out any of this or what her name is because technically she is me. I have all these accounts on 3 different credit bureaus and the debt collectors will not give me any information because I don't have the account numbers or passwords to the account. I try telling them this is Identity theft and it does not matter. I don't know where to start there are too many companies, too many monies owed, and way to many dates started back in 1999. Please help me with this. I'm XXXX XXXX XXXX now and my father still has to co-sign or help me out. Also, I can not open a bank account because whoever this women is did something bad with checks and they run your name through a company called XXXX   XXXX. My name is XXXX XXXX XXXX and I can be reached at ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX I was getting help registering a tv and the man locked my phone and sweeped my accounts, he transferred money to his XXXX resulting into {$1300.00} .I contacted Navy Federal and when I made the claim they denied it saying by letting the gentleman fix my tv I gave him full permission to sweep my account and they would not fix it .I tried to contact someone above because I did not accept these charges, my phone was locked and they breached into my banking info and sweeped my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: First Data Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem with a check written from your prepaid card account

Complaint:
On XX/XX/XXXX, I receive a call that displayed as from XXXX XXXX XXXX. The caller identified himself as from XXXX XXXX XXXX. He explained that my card was showing suspicious activity and wanted to know if I had lost my card. I told him no it was still in my possession. He said he needed to put a stop on my account and would issue me a new card. He needed to confirm my pin and would send out a new card within 24 hours. 
After the conversation, I immediately called back the number that had called me and I received the XXXX XXXX XXXX recording, so I felt the call was legitimate. 
The next morning I received a notification that my account had dropped below {$20.00}. I immediately logged onto my account and found that {$500.00} had been removed from my account via ATM in XXXX, Florida. 
I immediately called to report what happened and was told I would receive paperwork to complete in 3-5 days. On the 5th day I called to ask why I had not received the paperwork and was told I had not given them enough time. I went out of town the following week and when I returned I had the paperwork but the deadline to return it had passed. So when I contacted them back they said my claim was denied, so I appealed, with a appeal letter and all the information they requested. I the called to make sure they received everything. They did. I was told it would take 45-90 days for an investigation and for me to call back for updates. I called back about once a month, and each time I was told The was nothing to report, call back. After the 90 days I started calling more often. Every time I was told there was no updates they was sending an message to the appeal department and call back in 72 hrs. I have been doing this since XX/XX/XXXX. When I called in XX/XX/XXXX I was told they had been trying to contact me for a week, calling everyday. I had received no calls and had no messages. Now I was told to hang up and wait for them to call and make sure i answered. I made sure they had the phone number correct. I waited 5 more days and called back. When they looked me up this time I was put on hold then told I needed to fax my letter of appeal and information in again. You can imagine my response and I ask them to repeat because they are hard to understand and I thought I had heard wrong. No they said they did not have my information. I ask them why it took 6 months for them to tell me that and they said they couldnt tell me, they just didnt. 

This is a card provided to me by my employer and my paycheck is deposited by weekly. It is a visa and is used every where. 
I have refaxed all the information again Saturday XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: PA
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:
There has been many fraudulent inquiries listed in my credit report. XXXX has had access to my information and has been trying to obtain credit with my information. I hold not one account with any of theses inquiries but somehow there on my credit report and also there's more inquiries on one report than the next.

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 2019-04-06
Company: CURO Intermediate Holdings
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This was a payday loan from Speedy Cash and the original amount that I borrowed was for {$400.00}. I was unable to pay the loan off because I lost my job. Speedy Cash sent this debt collection to XXXX XXXX XXXX XXXX, XXXX. I have sent a debt validation letter to them on XX/XX/2019 to provide proof that I owe {$900.00}. As of today, they have not responded to my request. This is a violation of the Fair Debt Collection Practices Act ( FCDPA ). Also, we have payday loan laws in Mississippi and Alabama and XXXX XXXX XXXX XXXX , XXXX is charging illegal collection and interest charges on this alleged debt. When I spoke to a CSR on the phone about this alleged debt and curse me and hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX, each major credit bureau XXXXXX/XX/XXXX, Equifax, XX/XX/XXXX were sent dispute letters via certified USPS mail regarding specific inaccuracies on my credit reports which are heavily restricting my ability to obtain credit and to increase my credit score overall ( letters attached ). 
On XX/XX/XXXX, each major bureau was informed via certified USPS mail that they have violated federal law by not responding or removing these inaccuracies within the allotted 30-day period. So, by federal law, they must comply and remove these inaccuracies on my credit report. 
Attached to this complaint are my initial letters sent in XX/XX/XXXX and my request to remove letters sent in XX/XX/XXXX. 
Each letter has USPS certified mail info attached as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have attempted to have XXXX remove an unauthorized Hard Inquiry with no success. I have attached the letter from XXXX XXXX authorizing that the inquiry should be removed.

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 2022-08-11
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loan # XXXX Names on Account : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX NJ XXXX Complaint : Statement dated XX/XX/XXXX from Freedom Mortgage stating `` {$4500.00} escrow shortage on account ''. Trying to raise payments for escrow balance. 

We have already submitted tax bill, statements, reached out to our counties tax assessor, proved beyond a reasonable doubt that this is TO be removed. It has been extremely stressful and against HIPPA violations having to resend the documents over and over again. As you can see in the email documentation, this was confirmed in XX/XX/XXXX. We should not be experiencing this. Also note : Tax Bills for our county ARE a public record, which means this is viewable and an easy confirmation. HIPPA violations due to asking for more documentation that is unreasonable. 

Confirmed MULTIPLE times with County Tax assessor/mortgage company. 


XX/XX/XXXX : Confirmed Taxes would be removed from escrow. 
Confirmed by XXXX XXXX ( Customer Relations Specialist, Freedom Mortgage Company, XXXX ) Confirmed via phone call by XXXX 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 explanation
Consumer complaint received 2019-04-06
Company: HUNTINGTON NATIONAL BANK, THE
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:
On Wednesday XX/XX/2017 I went to test drive a vehicle at XXXX XXXX in XXXX, IL. Upon checking my XXXX today I noticed 5 hard inquiries for the date listed above. However, I never personally applied for credit with these creditors listed : XXXX XXXX XXXX, XXXX XXXX I, XXXX XXXX, XXXX XXXX, and Huntington N.would like to address this immediately and get these negative hard inquiries removed from my credit report as soon as possible please and thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
My Capital One credit card Account was closed and sold to XXXX XXXX and/or XXXX XXXX. I paid XXXX XXXX  {$190.00}. They said my account was paid and will now be reported as paid and closed. Capital One is claiming that I did not paid XXXX, which is not true. I paid them. I have attached a screenshot of my bank statement showing payment. I have reached out numerous times to Capital one. In which I mentioned that they are holding me back at purchasing a home. They are causing my credit score to stall in the upper 600s. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
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:
Credit application was submitted in my name. Without my knowledge. As a result credit inquiry was added to my consumer report. I have contacted Pentagon FCU on several occasions. The following date of inquiry was XX/XX/XXXX. I filed a police report XX/XX/XXXX due to identity theft and have been trying contact all companies that have had a credit application in my name.

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 2019-04-07
Company: ERC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 i called ERC to make collection payment i was told by the debt collector that after making the payment the collection would be removed from my credit report. 
The collection still shows in my credit. I dispute the collection with the credit bureau and they always tell me that i have to contact the collection company to have collection removed off my credit. I contact the collection company and they tell me that i have to contact the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Wells Fargo Corporate Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Mortgage acct # XXXX Mortgage acct # XXXX Notation WF as 2 separate account references For the same person and same mortgage??? 


This complaint refers to another court whereby Wells Fargo answered Court Documents With false and misleading answers to the UNITED STATES BANKRUPTCY COURT FOR THE SOUTHERN DISTRICT OF FLORIDA XXXX XXXX DIVISION CASE NO : XXXX. doc XXXX filed XX/XX/XXXX on page 1 of 3. 

The response of Wells Fargo RESPONSE TO OBJECTION TO CLAIM No 1-1 ( Creditor ) alleges the following by and through the undersigned counsel : 2. Creditor affirms a timely proof of claim { Claim 1-1 } was filed on XX/XX/XXXX In the total debt amount of {$100000.00} The amount given by Wells Fargo is inaccurate, inflated and deemed to be false and was submitted to the Court of the above jurisdiction involved. 
The Creditors records ( Wells Fargo ) otherwise indicate unpaid payments as of XX/XX/XXXX statement date unpaid payments in the amount of {$38000.00} + unpaid principal Balance of {$46000.00} both amounts equal a total of {$84000.00} The Creditor being Wells Fargo has proven during the currency of time to practice deceptive methods and banking principals that directly affect the customers continually And unjustly, I further certify that all amounts claimed by Wells Fargo include inflated amounts at the benefit of deceiving the account holder and causing tremendous intended Actions that can and will be used against them and should be corrected by the Authorities That govern the standards, rules, laws and protections under the Law of the Land. 

I hereby certify that the above information is true absolute truth does not change but Wells Fargo is correct in being wrong and should restitute and compensate the damages Incurred and occurred against all parties involved including me. 


May Justice be serve accordingly and significantly without further prejudice Sincerely : XXXX 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 explanation
Consumer complaint received 2019-04-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a Chase Ink Business card. I received in the mail a promotional offer for balance transfer for 0 % monthly interest rate until XX/XX/XXXX with a 3 % transactional fee of the total balance transfer. I took advantage of this offer online in XX/XX/XXXX. The total amount of the balance transfer was XXXX which posted on XX/XX/XXXX. The transaction fee of {$170.00} posted on XX/XX/XXXX. I made a payment of {$2500.00} on XX/XX/XXXX, expecting that it would cover the normal monthly charges of {$1000.00} ( I always pay the full amount every month ) and some of the balance transfer. 

On XX/XX/XXXX, I was charged {$17.00} interest, which I did not expect. When I called to inquire, I was told it's because I should not have put a balance transfer on a card that I use for other things. And that the interest was due to " how they applied the payments. '' The agent claimed this information was in the " fine print, '' but I find this misleading since it does not make sense that I pay interest charges on some nebulous amount that the agent could not describe to me. That information should be clearly laid out for people. The agent told me that if I had done it over the phone, I would have known.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Midland funding LLC contacted my roommate and provided him with the amount I owed to them, and asked him to tell me to call them. Theyve called him multiple times and have contacted me too. I advised them that I am unable to pay the balance and asked them to stop calling me, they still call everyday. I confronted them about telling my friend about my balance, and they stated they didnt tell him, yet he knew the exact balance when telling me they called him. Please help me resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My issue with my home mortgage with JP Morgan Chase began when during the fiscal crisis we became victims of unfair and unethical business practice by JPMorgan Chase in the Loan Modification of our Mortgage. 
This has been documented in the various complaints filed with the CFPB - and too many delayed responses by this unethical company. The indifference and or incompetence at best in the handling of our most important asset and worse : lack of good faith, attempts to deceive and mislead in providing full disclosure and intentional lying or racketeering to foreclose on our home. When this was not possible, we believe there was a carefully camouflaged and highly questionable plan that resulted in excessive fees during the Loan Modification process. 
Furthermore we have patiently tried to resolve these issues amicably with Chase to to no avail. Their response was to stonewall our efforts to get non-proprietary information they said was readily available on our request. What JP Morgan Chase has excelled in is the ability to use the services of their legal team to take the art of 'stonewalling ' to a higher level. 
Imagine dealing with over 24 people in their system and each one falling all over each other not understanding, not knowing, do not have the answer, have nothing on file..who told you your house was being foreclosed on..we have nothing that says that..and so on and so on. 
I have to remind them once again that the XXXX uprising started with one man and a scale. Give up from this ruthless company - I will never. 
I want to thank the CFPB for making sure that my complaint and grievance always get a response from this unethical company -. Yes, they did offer a measly {$15000.00}. for me to go away, but of course that will not happen. I know the new changes taking place within your organization and I do wish everyone the best of everything, and just hope the poor consumer like me will still have a voice. 
JPMorgan Chase I will deal with on my own terms. I do not allow anyone to rip me off, lie about it, frustrate me, try to break me with their series of legal sharks. Each day I wake up with a social media platform with an audience of over 10,000,000. I am sure my years in publishing will be put to good use. I just wish everyone the very best and to say thanks for keeping JPMorgan Chase and XXXX XXXX on notice. Always remember the fish stinks from the head down.

Company response to consumer: Closed with explanation