BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
Company: Kriya Capital, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I closed my account with XXXX in XX/XX/XXXX. In XX/XX/XXXX, someone within XXXX reactivated my account with out my authorization or any notice to me. My previous account had been set up with automatic payments via my debit card. Consequently, {$600.00} was paid to XXXX. I contacted the company and was told that the matter had been referred to their fraud department and law enforcement. However, the charges were never refunded to me. 

I contacted VISA and provided date by date records of my communication and copies of the bills. VISA reversed the charges. Thus, I was made whole and I considered the matter resolved.

Within two weeks of the charges being reversed by VISA, I received a past due notice from XXXX and notice the matter was going to be turned over to collections. I called again and talked to multiple people. Eventually I received a short written notice from XXXX dispute section advising me they considered my account overdue. It was clear from the letter that they had merely looked at the financial record of my account and since VISA had reversed the charges, I now owed them money, i.e., no indication at all they had considered that the initial action of reopening the account was not my responsibility. I soon received a written notification from Credence Collections that they were attempting to collect this debt and that I had 30 days in which to dispute the claim. 

I submitted all of the supporting documentation I had sent to VISA along with dates and copies of documents of what had transpired since then. Within two weeks, I received notice from Credence that XXXX considered the debt valid and within days, I received my first collections call from Credence. Any day I expect the matter to hit my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Chase is refusing to give me a copy of the appraisal. 

loan : XXXX XXXX I want a copy of the appraisal. They are violating the Appraisal Disclosure Notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions 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:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Mr. Cooper Group Inc.
State: CT
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 mortgage was not late for the month. I recieved a alert from XXXX. When i called nationstar they stated it was a mistake but never fixed it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
About 3 weeks ago, I found out that people have been living off our bank account for at least 2 years, maybe 3. We have been dealing with hackers and the Man in the Middle attack. They are reusing check numbers, taking money left and right using the names of places I frequent like XXXX, XXXX  or XXXX. I discovered over {$3000.00} stolen in the last 60 days. 

My bank is Golden1. They know about this but will do NOTHING to get to the bottom of this. We've been with them for over 20 years. I've begged for an investigation and they won't do it. I've had about 10 different credit cards given to me by them this year because they keep getting compromised. I firmly believe there are people at 2 of the banks I go to that are behind this. We even changed bank account numbers and that failed. 

I've written the FBI, gone to law enforcement and nothing. Law enforcement tells me they don't do hacking or fraud. 

I don't feel safe and am scared everyday. I don't know where to turn. Please help us!

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 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: MS
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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 Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$40.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$730.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSWORLD SYSTEMS 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:
TRANSWORLD SYSTEMS INC was notified of my Chapter XXXX bankruptcy XXXX yet they have still added an account to my credit report an account to which I have no knowledge. I demand they remove this entry immediately from all major credit bureaus. I demand to know what this debt is for. I demand to know how they obtained my social security number. This entry on my credit report has caused me to be denied for a loan and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Linebarger Goggan Blair & Sampson LLP
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
While living in XXXX, VA I had to pass the XXXX XXXX XXXX, one time. After passing this bridge, I went onto their website for the XXXX XXXX XXXX and paid the toll for the bridge. Shortly after, to verify this I called the XXXX XXXX XXXX phone line to ensure the debt had been paid and posted, they did verify this. 

It is now over a year later and I am getting a harassing letter from an unknown debt collector Linebarger Goggan Blair & Sampson, LLP. I researched this organization only to find terrible reviews of scam artists ripping off dozens of customers. I paid the stupid debt to get them to hopefully leave me alone. I paid {$150.00} for a bridge I crossed OVER A YEAR AGO, without ANY notification or ANY indication that I owed money, FOR A YEAR. 

I know for a fact it does not cost {$150.00} to cross a bridge one time, they waited for this fine to increase by using fee 's for time not paid to increase the value I owed without notifying me of the debt FOR A YEAR and I'm not surprised in the slightest from the reviews. I am not the only person who has encountered this. They are scam artists and should audited, if not for me for all the other American 's who have wrongly been squeezed money out of by these " Attorneys at Law ''. It's despicable especially in light of recent events in the world. If my story isn't enough to convince you then maybe read some of these. 

Some of the stories from this company are far worse than mine ... 

https : XXXX I am not alone with dealing with this shady organization.. please do something about this or they will continue to do this to other Americans. I don't care to get my money back I would only hope nobody else has to deal with this cancerous company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been calling me all week. When I tried answering the first two times, there was no one on the line or I could not hear them. Then on XX/XX/XXXX at XXXX when they called, I answered and talked to a person. This heavily accented person asked for someone other than me. I said that he had the wrong number and that I didn't appreciate this company calling me two times per day everyday. I told him to remove my number from their calling list. Then he started asking if I know the person he was trying to call. I asked where he was calling from and he said something like XXXX XXXX or something. I told him that I am not that person and to take me off their list ; that they have the wrong number. My request has been ignored. They called my cell phone again that night at XXXX XXXX. and called me yesterday at XXXX and again at 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 2020-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 my card was reported stolen. I contacted the capital one and the charges were reversed. Subsequently, the on XXXX statement {$410.00} was reapplied to the account. I called multiple times and the company said they were still researching the charges. It is now XXXX and no credits have been applied to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21
Company: MECHANICS BANK
State: CA
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate items on my credit report and to this day, over 60 days later I have not yet recieved a response back. I really feel as if my disputes are being ignored. Section 611 ( a ) states that, a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been more than 60 days so these items should be deleted. Due to the stress that has been caused, I demand theses accounts be deleted now or i will file for litigation. My information was also impacted by the XXXX  data breach and i'm concerned it may have got into the wrong hands.

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 2021-02-22
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I recently received a closure to a complaint filed on XX/XX/XXXX with Consumer Finance. Complaint # XXXX I have been disputing the allocation of payments made to this Credit card company since early XXXX It is important to note, any amount received in excess of the minimum payment requirement is to be allocated as prescribed by federal law. The law requires that payments in excess of the minimum payment requirement be applied first to the balance with the highest annual percentage rate. The Company indicates the payments were applied according to the practice of making any payment amount exceeding the total of the minimum payment requirements for each balance to be applied to the promotional plan with the closest expiration date. HOWEVER, The promotional plan they applied those Federal law required payments to DOES NOT EXPIRE UNTIL XX/XX/XXXX The billing cycles they stole my payment from is 7 ( SEVEN ) Months prior to the last two billing periods ... They applied these payments back in XX/XX/XXXX. So that's nearly 9 months prematurely that they have applied the excess payments. They have in their own explanation given to Consumer Finance violated the federal law, and every consumer protection afforded me. I want my money applied correctly. This is not satisfactory to close my complaint ... I'm issuing further investigation into this fraud committed by Comenity Bank. And where is the resolution for the XXXX $ that was re-allocated on my XX/XX/XXXX statement fraudulently? Comenity Bank stole money from a 30 % interest balance and applied it to a 15 % balance that I owe. This too I had included in that dispute. Where is my money? I placed a call to Comenity Bank on XX/XX/XXXX @ approx. XXXX. Internally they are opening a dispute because according to the person I spoke with said funds were re-allocated in an " improper manner '' ( code for illegal manner ) But here we are. Still allowing Comenity Bank to steal from the consumer. According to this representative, re-allocation of payments are not allowed, however when asked to explain the XXXX re-allocated funds that benefit Comenity by allowing a greater balance to the 30 % interest baring balance, she had no explanation. This type of inconvenience is appalling. It should never be allowed to be taking place here in the USA. It's despicable really. Shameful that we have to fight this hard for big banks to do what's right and abide by Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Lendmark Financial Services
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
years ago i opened a loan with Lendmark. Prior to 2015 the account was charged off and placed with XXXX XXXX XXXX. I have called and documented at least 4 calls between this office and myself offering to settle the matter. I was told on multiple occasions to call back. I recently received some type of asset verification letter which i found to be offensive considering ive been trying to reach them to pay. Ive even called lendmark directly to try to resolve this issue. The attorney is non responsive and does not assist in the collection of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: SUN LOAN COMPANY INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I obtained an installment loan through Sun Loan that was charged off XX/XX/XXXX. I experience a hardship, in which I was laid off from my job and fell behind on the payment. I made a payment to the corporate office for the charge off balance in full on XX/XX/XXXX. Since then the account has been reporting to each of the bureaus incorrectly and the balance is showing as a debt that has not been paid. I have had to call XXXX XXXX in the credit dispute department numerous times to correct the issue. I feel the company 's practice is very unorganized as to keeping record. I was told on one occasion she could not find my accounting records to show payment then another occasion that a representative in the company did not know I paid the account in full and reported incorrectly to the bureau. I am in the home buying process and I have done my part with the company and should not have to bare the burden of continuing to deal with this issue. Receiving alerts, my score decreasing monthly, and having to call the company to correct the issue with poor excuses is very unethical practice. I am asking for the account to be removed/deleted from each credit bureau and to reflect as such on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Someone used a wire transfer to wire money from my savings account at Wells Fago and I have been told that they can not give me the money back because they said I authorized it. I DID NOT! This happened on XX/XX/2020. I have been trying since then to get my money back.

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 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 received a notification in XX/XX/2020 that I had a late payment reported on my credit. XXXX XXXX holds my mortgage and I set up my account for autopay months before that. They had an internal error and did not pull my mortgage payment in XXXX  and failed to notify me of the mistake. They reported a late payment on my credit even though it was their fault. I called them and two customer service agents told me that it would be removed. It's still being reported on my credit file and they haven't taken it off yet. It is killing my score and needs to 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 2018-09-26
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have lived alone at my address for 11 years as owner. over the last year receiving from XXXX XXXX XXXX-XXXX ca a bill for some unknown person. that info is XXXX XXXX XXXX for XXXX ( including interest ) the account is XXXX. I have returned mailings, called them and got hung up on and i have ignored the mailings. Now it has gone to collections ( california business bureau , inc ), i called and got scolded for opening someone else 's mail. She said she  would notate the name difference. don't trust that that will end the situation. thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My medical debt was paid for by my insurance company and I paid the rest owed. Bull City Financial calls on a daily basis and has ruined my credit score. This is medical debt paid and Ive been treated like a XXXX. I am a single mother with a XXXX child, this is causing me horribly unduly stress on me and my family.

Company response to consumer: Closed with explanation