BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The bill relates to XXXX XXXX XXXX by XXXX, XXXX XXXX  XXXX, XXXX Texas XXXX for COVID tests. Each test was {$270.00} or so. 

Our insurance company paid the bill, but insurance company reimbursement wasn't applied properly by XXXX. XXXX XXXX XXXX improperly sent our file to Nationwide Recovery Services. My wife spoke to a collector at Nationwide Recovery Services today XXXX XX/XX/11 XXXX and asked that they stop calling while we are trying to get it resolved. The collector said that wasn't possible. My wife called XXXX after speaking with the debt collection agency and said there was an error and they had not applied the payment properly. 

It is not clear if XXXX willfully is trying to charge twice for COVID testing. I also find it appalling that XXXX may be fraudulently trying to take advantage of COVID testing. It seems they should be trying to meet a higher standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital one does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. Capital One failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under XXXX U.S.C. XXXX ( b ) ( l ) ( A ) through XXXX U.S.C. XXXX ( b ) ( l ) ( XXXX ). XXXX. With the failure to request removal of the Capital One trade line, and the failure to request the tradeline be marked as XXXX in dispute, my XXXX XXXX, a benchmark for near all facets of life in today 's society, was artificially deflated. Capital One 's actions were negligent and willful and wonton.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX my card was misplaced, the next day ( XX/XX/XXXX ) someone removed XXXX from my account which made it under. The very next day ( XX/XX/XXXX ) another transaction for {$100.00} was once again withdrawn from my account. Once i found out my bank was under on the XX/XX/XXXX due to me being locked out my app. I filed a claim Saturday XX/XX/XXXX about both withdrawal and was told to contact the bank Tuesday but to the holidays on Monday XX/XX/XXXX. Come Tuesday XX/XX/XXXX i was told there was no information provided. So Friday XX/XX/XXXX, i go to Regions Bank to get a new card and was told my claim was denied due to my pin being used, i received no call or email. I informed then that i write my pin on my card so i wont forget it which i know im not the only person who does that. But i felt they were basically saying oh well keep up with your stuff and your money wont get taken. People lose their bank cards daily and dont be knowing it but we get faulted for it. Not fair, what should i do?

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: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account at Associated Bank  on XXXX XXXX, XXXX  with a signup bonus of {$500.00} if I received a direct deposit of {$500.00} and maintained $ XXXX in a certain period. I have met all the requirements and my friend who opened the account on the same day had received the bonus on XXXX XXXX, but I still haven't received the bonus. I called the bank many times and they promised to help me fix it, but every time either I didn't get a callback or they gave me different reasons. The newest reason they give me is that I didn't make an open deposit when I open the account, but the truth is I gave the check to the banker XXXX XXXX XXXX XXXX when I opened the account, but he told me no need to do that, just doing the direct deposit is enough. I have made more than $ XXXX deposit, if I was told even a word about the opening deposit of {$25.00}, I have no reason not to do that. 
Besides, the advertisement only shows : Heres how to get your bonus of up to {$5000.00} ... 
Open a new checking account today and : Have direct deposits totaling {$500.00} or more into your new checking account, within 90 days of account opening. 
Grow your balanceand your bonusby simply adding funds into your checking or other deposit accounts. 
Collect your bonus in 120 days! 

There are no words talking about the opening deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
ALL INQUIRIES DATED FROM XX/XX/XXXX THROUGH XX/XX/XXXX EXCLUDING XXXX XXXX XX/XX/XXXX. EXCLUDING XXXX XXXX WAS NOT AUTHORIZED BY ME NOR MY CONSENT

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 2019-01-24
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2018 Nelnet posted five different derogatory remarks to my student loan account. This has caused my credit score to drop over 80 point. I would like to dispute this, because at that time I was serving in the military and had no idea that my student loan was delinquent. I am working toward making sure my student loan is paid on time, and also trying to refinance them to get them to more a manageable amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: JPMORGAN CHASE & CO.
State: MO
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 received and closely studied a copy of my credit report. To my dismay, it seems as though this company is reporting a few alleged Inquiry ( ies ) for  dates of service : XX/XX/2019 XX/XX/2019 that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of  truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Experian Information Solutions 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:
This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;

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 2022-08-13
Company: LEXISNEXIS
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:
On XX/XX/XXXX. I have contacted Lexis Nexus, XXXX, XXXX, and XXXX. About a XXXX  XXXX Bankruptcy. I told them under US Bankrupurcty courts. The court do not verify and do not report to the credit the credit bureaus. I just want the information on my public record to be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Res - Shellpoint Mortgage services continues to falsely reported delinquent payments to all 3 credit bureaus and move forward with foreclosure procedures. Company is incompetent at receiving loan payments and applying the payments to the account. I have 2 mortgages with the company and they correctly apply the payments to one of the mortgages but continually do not apply payments to the other and leave the funds in a suspended funds account. Calls to customer service today resulted in the customer service people hanging up on 2 different occasions today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We have Penny Mac as our Mortgage lender. For about a year, we were making half of the mortgage payment twice a month. Our Mortgage payment was just over {$2800.00} a month and every two weeks, we were paying half. Once the month was compleyed, our mortgae total was paid. However, Penny mac said that we were only paying half of the mortgage and the other half was going directly to principal. We talked to Penny Mac on many occasions trying to get this sorted out and for them to correct the " delinquent '' payments status. We were told this was company policy and there was nothing that can be done. After many attempts, we reached out to another creditor for assistance. While this process was going on, they informed us not to make a payment. This went on for 5 months. We contacted the credetor multiple times to see if any progress was made and we were told that the lawyers were still working on a solution. We believed that this creditor was not going to help us and canceled the service with no resolution. We worked diligently to get caught up and to ensure we were not late on another payment. For over a year now, we have not been late on the house payment. We are currently selling the current house and and looking for another. This unjustified reporting from Penny Mac is preventing us to get approved for another payment. I hope there is somthing that your company can do to either help or at least point us in the right direcrion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent several copies of my current FTC Identity Theft Report to Transunion, along with a personal statement that I did not authorize the accounts listed thereon to be opened or used, and proof of my identification in the form of copies of my valid drivers license. I have used several different methods to send them my ID Theft Report, including regular mail, fax, and their website 's upload feature. 
I have called them several times, and each time they claim that they do not have to follow the requirements of FCRA 605B. This is despite the fact that they acknowledge that I have sent the proper documentation required under 605B ( a ) for blocking fraudulent accounts.

They have cited none of the reasons for which FCRA 605B ( c )  would allow them to deny a block. Even if they were to cite any of these reasons, they have no evidence to invoke them. 

As a military veteran, I am shocked and disgusted that a large, supposedly trustworthy company, operating within the United States, would willfully ignore a federal law that applies directly to them. 

The four days Transunion had under FCRA 605B to remove the fraudulent information has long since passed. If this not resolved quickly, I will be suing Transunion in federal court for willful noncompliance for all damages allowed under FCRA 616.

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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX has failed to verify debt within 30 days requested. Attached is my debt validation letter dated XX/XX/2021 marked as ( Exhibit A ). XXXX XXXX XXXX admitted in their letter dated XX/XX/2021 ( Exhibit B ) that they do not have the original certified verified validated contract with wet-ink signature on it. They admitted to not having any original loan documentation in their possession. Copies of copies are not validation and by law are not considered proof. XXXX XXXX XXXX is in direct violation of 15 USC 1692 ( g ) and Section 809 ( b ). They have failed to verify debt within 30 days. Please remove this invalidated unverified account from my credit file.

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 2022-08-10
Company: Experian Information Solutions 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 XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2019-01-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There are incorrect personal information that is reporting on my credit file. I have tried to dispute this incorrect information with the credit agencies. Please assist me in getting this incorrect information removed from my credit profile. 

Incorrect Names : XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-04-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a zelle transfer through my Chase bank mobile app on XX/XX/XXXX2022 in the amount of {$2000.00}. I missed the numbers on the email address but it showed the unintended recipient was a registered zelle with the same name as my intended recipient. Therefore I authorized the transfer to a stranger by mistake. I found out after a few minutes when my bank confirmed the transfer has been sent but my intended recipient did not receive it. So I called my bank right away to resolve the error. I was told that theres nothing they can do to cancel it but I can file a claim once the transaction is posted on my account. The next day, I was able to file the claim through the phone. They sent me a temporary credit for the transaction on XXXX while their claim back office do their research. I received the update letter on XXXX stated that my claim was unsuccessful because I have authorized the transaction and that they will take back the temporary credit on XXXX/XXXX/22. I requested for the details of their research but they were unable to provide it. All they said was that they tried to make a courtesy request for the money back and it was denied. 

I also attempted to email the recipient several times to kindly request for my money back but I received no responses. I also requested for the money through XXXX and no response. Im under so much stress and went online to try to look up the recipient and was able to find her phone number. I made a phone call to her the first time on XXXX and to my surprise she answered. I could tell she was also very surprised for my call. She somehow admitted that she received my money but she didnt want to deal with any XXXX XXXX for fear of being scammed. She said she wanted the banks to deal with it and she confirmed she banked with XXXX  XXXX XXXX. So I called my bank to request them to try again to get my money back but they refused. They said that I would have to ask the recipient to file a claim with her bank to return my money and again that there was nothing else they could do. 

I tried contacting the recipient again by email, text, and phone call without any responses. I believe that she blocked my number now. At this time Im pretty sure that the recipient does not want to return my money all along otherwise she can easily complete my request or have her bank return it.

I learn such an expensive lesson with a big loss of money through the zelle transfer app. Its just so disappointing that there is no protection at all when you make a mistake and that my bank ( Chase ) just would not try hard enough to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had fallen behind on my mortgage ; before covid hit. This past year I was on a forbearance and applied for mortgage help from Mr. Cooper. They said they could not modify the mortgage because I had been previously modified. Due to covid I couldn't catch up. please help

Company response to consumer: Closed with explanation