BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Tuesday, XX/XX/XXXX, at approximately XXXX ( XXXX ), my friend initiated a transfer of {$620.00} via Venmo . The Purpose of this transaction was to move said funds into her XXXX XXXX account, to which she is unable to do on her own ( presumably due to lack of money card or general technical acumen ). Being a good friend, I agreed to assist her in this, as we had done several times previously with no problems. 

The initial transfer occurred at XXXX. Afterwards, I proceeded to transfer aid funds to my XXXX XXXX account, using XXXX card ending in XXXX. This occurred at approximately XXXX XXXX. From that point, I transferred the funds to her ( {$640.00} ), with XXXX XXXX Identifier # XXXX. 

At no time was there any commercial or criminal activity at hand. The next day, XXXX XXXX claimed some sort of problem existed and filled a dispute. The next day ( XX/XX/XXXX ), my Venmo account was emptied of funds in an attempt to start covering the costs of my disputed transaction, along with being locked out my account until I can reimburse Venmo for the remaining {$620.00} of this transaction Im somehow now liable for. 

As it stands now, she has double her money ( initial money *and* the reimbursement from the disputed transaction : quite a tidy little profit ) and I lost actual money by being taken to cover my debt. I also dont have regular access to my account because : you'll need to pay back the full balance to restore your account. And, lest we forget : the effect this debt will have on my credit score wont be good for me at all!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: JPMORGAN CHASE & CO.
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:
On The date of XX/XX/2021 Im sending payment check to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, CA XXXX of the amounts of {$2000.00} from my personal CHASE checking account to pay to my mortgage. On the date of XX/XX/2021 the XXXX XXXX XXXX XXXX notify me, they havent received the check I sent yet. I went to chase bank where I wrote the check to XXXX XXXX XXXX XXXX. The Chase banks notifying me they have funds {$2000.00} to a wrong receiver, not XXXX XXXX XXXX XXXX. 

I have filed a fraud complaint more once with Chase Bank, theyre asked me to wait 90 days, after 90 days as promised, Chase Banks still not refunded to me. Todays, after 4 months, Chase banks stilled neglect, and refusing to return my moneys, Its clearly Chase Banks faults, for not doing their jobs rights, fund a customer to a wrong receiver. 

My Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Account : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-12
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX XXXX XXXX has reported delays in the XXXX credit agency since XXXX and is incorrect and accepted the error and does not correct it. My score has been damaged and I had a medical emergency and I was denied loan because of that error in my record.

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 2015-10-07
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Capital Accounts keeps sending me letters and has called me to collect on a debt that I had informed them over the phone and in writing that is not mine. Yet they keep sending me debt collection.= notices. They have also reported this to credit reporting agencies as a delinquent account and that has had an adverse impact on my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the date XXXX 2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Regarding my last complain with CFPB XXXX against Transunion .They clearly continues violating the FEDERAL CREDIT REPORTING ACT For my surprise they are asking me a verification of my current mailing because the one that I provided in my last complain with CFPB is not listed in their records. That information is totally false!! See one copy of one of the multiple letters that Transunion send me every time I ask for an  investigation and you can see clearly that is the same address that I use in my last complains with the CFPB. They are clearly dilating the issue of my last complain XXXX. I DEMAND Transunion to solve immediately the complaint XXXX and stop delaying the process

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

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 2020-05-02
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from the mortgage company claiming that my 'Condominium Unit Owner 's Policy expired ' and they 'do not have evidence that you have obtained new coverage. ' Because of this, they 'plan to buy insurance for your property. You must pay us for any period during which the insurance we buy is in effect but you do not have insurance. ' ( full letter attached ) I was shocked and scared for about 5 minutes  before I checked my policy, which is valid from XX/XX/XXXX to XX/XX/XXXX. I presume the reason the letter arrived is that my mortgage was sold and CMC did not have their name on my policy. After I had my insurance company add them they sent another letter XX/XX/XXXX stating 'the condo coverage we ordered on your behalf has been cancelled. Please make certain that you or your insurance agent or carrier provide ( s ) us proof of acceptable insurance on a timely, annual basis. ' ( full letter attached ) I believe the wording in these letter is unnecessarily threatening, and blames me for not providing them updated insurance information because my mortgage was sold, when I have absolutely no control over these transfers. Furthermore, having to contact the insurance company to add them, wait for a reply, then submit the documents to the mortgage company wasted about 20 minutes of my time.

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 2019-05-01
Company: WELLS FARGO & COMPANY
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:
We were in a chapter XXXX bankruptcy and found that our lender had derogatory notations on our credit report. We reaffirmed our mortgage with Wells Fargo after bankruptcy and they didn't report it to XXXX XXXX because we had made a complaint. After over a year and a complaint to the CFPB they placed our mortgage back on my husbands credit report They will not place it back on to my credit report Please help me I just dint understand why-three of the credit reporting agency 's have fixed this but Wells Fargo refuses to contact XXXX XXXX and report my mortgage correctly Is their anything I can do Not reporting my mortgage is negatively affecting my ability to obtain credit and my credit score

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 2020-05-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This complaint is in regard to the relationship credit reporting companies have with the credit bureaus they report to. 

The 3 credit bureaus in America recommend that no more than 30 % of available credit be used to keep a viable, useful, high score. High scores are needed for everything today. Even employers are currently checking credit.

I have had a negative response with Synchrony Cards ( mysynchrony.com ) when my credit cards are not charged to their maximum. On one card owned by Synchrony, CareCredit Card, my available credit was reduced from {$7000.00} to {$4000.00} because I kept an average balance of {$3000.00}. My official credit score fell by 100 points. My other Synchrony card, an online account through XXXX, was reduced from {$700.00} to {$100.00} then closed because I did not regularly keep an interest paying balance on the card. My score fell again another 40 points. I have been an excellent customer on both cards - never late, paying in full.

I feel that their corporate policy is in direct conflict with how credit scores are calculated. This company has a negative policy against responsible customers. Synchrony should not be allowed to report to the credit bureaus as they prey on all Americans.

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 2020-05-02
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In late XXXX, XXXX, I refinanced my mortgage. The original mortgage holder, PHH Mortgage Services in XXXX. XXXX, NJ was holding {$2900.00} in escrow money that was due to be returned to me. 

I was in Florida from XXXX XXXX, XXXX until XXXX XXXX, XXXX. The post office was holding my mail during that period. When I returned I picked up all the held mail on XXXX XXXX, XXXX and looked for the check from PHH which wasn't in my held mail. 

On XXXX XXXX I calledl PHH to say I didn't receive the check. I spoke to " XXXX '' who told me the check was mailed on XXXX XXXX, XXXX. Since I didn't receive it she told me she'd put a stop on it and mail a new check which should arrive in 7-10 days. 

A new check didn't arrive. I called PHH again on XXXX XXXX, XXXX. This time I spoke to Escalation Relationship Manager in the PHH ERM dept., XXXX, who informed me that the check had been cashed on XXXX XXXX, XXXX. 

Since I was in Florida between XXXX XXXX and XXXX XXXX and the post office was holding my mail there was no way I could have received or cashed the check. I asked for a copy of the front and back of the endorsed check which she sent me and is attached. 

It is endorsed with a stranger 's name and my husband and my names. This is not my signature and my husband is a resident of a memory care facility in Florida certainly did not sign this check either. Clearly the signatures are fraudulent. 

I did not cash this check. This check was stolen and fraudulently endorsed. 

XXXX at PHH asked me to make a police report which I did and is attached. She told me once she received the police report PHH would reissue a new check in the amount of {$2900.00}. 

On XX/XX/XXXX I emailed a copy of the police report to XXXX in the ERM dept. at PHH with a copy of the police report attached. On XX/XX/XXXX, I emailed PHH with a copy of the police report again. On XX/XX/XXXX, I faxed a copy of the police report to XXXX at XXXX. 

Although I received a brief email from PHH on XX/XX/XXXX saying that the Fraud dept. was looking into this, I still have not received the money owed me by PHH. 

I've called XXXX at PHH numerous times at XXXX, ext. XXXX. She doesn't answer the phone so I have left numerous messages with no return calls. I have also spoken numerous times to various other agents who have told me they left messages for her and her supervisor to call me but still no response. 

I don't know what else to do. PHH still owes me {$2900.00}. I feel it is their responsibility to figure out what happened and who stole and cashed this check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
During the month of XX/XX/XXXX, I purchased a car though XXXX XXXX. I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted Trans Union. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with XXXX 14 times. Each time they promised that someone would help or call me back. Please help.

TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX   XX/XX/XXXX XXXX XXXX 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 2021-10-08
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
Navy Federal is reporting fraudulent accounts that are not mine on my report. I filed a dispute in XXXX to all 3 credit Bureaus and everyone of the bureaus removed the 2 Navy Federal accounts from my report. It was off my report for 5 months from XX/XX/2019- XX/XX/2019 and in XX/XX/2019 XXXX put the both the Navy Federal accounts back on my credit report. I have tried to dispute this these accounts on my report for the pass 2 years and XXXX will not removed the accounts saying that the creditor verified the debit, they can not verify the debit 5 months later. It is against the law for Navy Federal to not respond within 30 days and then 5 months later after the accounts were removed to put the accounts back on my report. I have provided documentation that this was a fraudulent accounts because I was a victim of fraud and had to close my bank account because of it. Please have XXXX remove Navy Federal accounts from my credit report. 

Also there is a collection that XXXX XXXX has reporting XXXX that needs to be removed from my account because I have settled all debts with them. 

Also XXXX is reporting to all 3 credit bureaus that I was late on my credit card payment and my personal loan. I had XXXX and was told that I shouldn't be penalized for having XXXX and XXXX will remove these late statues from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Mixed file with XXXX XXXX, which has caused our credit reports to merge.

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 2019-05-01
Company: VW Credit
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On Wednesday XX/XX/XXXX, I went to the XXXX XXXX dealership with a family member who informed me that he had spoken to a sales representative who informed him that they were able to do six-month leases for situations where a co-signer was needed. I want to strongly state that I was opposed to being a co-signer for this person, what made me change my mind was what took place at the dealership. I later learned that this sales person was a friend of the family member and that the six-month lease deal was a ploy they used to convince me to co-sign for him. When I hesitated about signing the lease, the sales person told me that he had bad credit and that a family member had co-signed for him and within six-months his credit had improved and his co-signer was able to get out of the loan. I finally signed the agreement and a month later the family member started defaulting. ( I recently learned on this CFPB site that the creditor VW credit was supposed to provide me a separate notice about co-signing which they did not ). 

I contacted VW Credit to try to find a solution about the tactic used to have me sign on to this loan but instead of offering a solution they also participated in unfair and deceptive practices. On XX/XX/XXXX, I learned that they extended the term of the lease without obtaining my consent or signature on XXXX different occasions on XX/XX/XXXX and XX/XX/XXXX. Without my permission they extended the lease from terminating in XX/XX/XXXX to XX/XX/XXXX based on the co-applicants requests without informing me. The co-applicant turned in the car in XXXX of XXXX now I'm being asked to pay {$13000.00} in a XXXX XXXX invoice. My credit is ruined, it was XXXX on XX/XX/XXXX now it's in the low XXXX and now I have this debt that I can not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: EQUIFAX, 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:
On XX/XX/XXXX18 I spoke with a representative at Equifax in the Fraud Department by the name of XXXX. I told XXXX XXXX had been a victim of identity theft and that there were two particular accounts I wanted to inquire about due to Equifax investigation being complete. The two accounts were XXXX XXXX  and XXXX XXXX which I was told the previous day that those accounts were validated from the creditor. I explained to XXXX that this was impossible, due the fact that XXXX XXXX whom is a 3rd party collector, is no longer in business, but yet somehow still appears on my Equifax credit Report. I explained to XXXX that neither Equifax or XXXX XXXX has been able to provide any original documentation or application containing my signature and that a Police Report including both of those accounts for fraud was filed and sent in to Equifax and already received. XXXX stated that EQUIFAX does not do any verification of any debts from the original creditors. I then explained to XXXX that under the Fair Credit Reporting Act section 611 ( 5 ) ( A ) states any item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item ( s ) of information from the file of the consumer, or modify that information, as appropriate, based on the results of the investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. XXXX then stated that should would be to mail me out their companies procedure for how they validate accounts. I explained to XXXX that was necessary because I am very familiar with the Fair Credit Reporting Act. In addition, Equifax has also refused to block these Fraudulent accounts from appearing on my credit report within the 4 days of receiving my request without notifying or explaining any reasonable determination which violates the Fair Credit Reporting Act section 605 ( B ).

Company response to consumer: Closed with non-monetary relief