BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Chase Bank Notified of overdraft, transferred money from savings account to cover insufficient balance and was charged 3 separate over draft fees anyway. Only one was reversed. Refused to reverse the other two based on " cut off time that only applies to overdraft fees '' When the transfer was made it showed the balance positive immediately but then was showed as " pending '' in order to charge overdraft fees.

Accounts Manager XXXX and XXXX XXXX were the phone operators for the call. 

This is the same thing that other banks have been prosecuted for. Approximately 67 % of total revenue for banks come from predatory practices and Chase is the only bank left that hasn't been sued yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-16
Company: Midwest Recovery Systems
State: IN
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:
Noticed a collection account from a Midwest Recovery Systems that first appeared on my credit report in XX/XX/2018 for {$480.00} I sent two certified letters demanding debt validation with return receipt. First one dated XX/XX/2018, the second XXXX XX/XX/2018. No response was received from either letter. ( Copies attached ) This account is not mine and I dispute as was outlined in the letters I sent. 

I want this information removed from my XXXX  and XXXX  credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: NV
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:
Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Here is my original complaint #, with XXXX satisfaction :. 
XXXX The " company response '' was to send me a another " late '' bill with an added XXXX " late '' fee. They still can not accept payments online, through their app, or via phone.. I am not paying any of these fees, they're all as a result of their payment processing failure/non-existence, seems like a pretty good scam to me.. I want the account closed and their illegitimate fees withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete 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 2019-05-17
Company: HOVG, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt through bay area credit service came up on XXXX XXXX for me, so I called them and paid the debt off in 2 payments. The payments were taken by XXXX XXXX, 1st payment was on XXXX for {$450.00}, the 2nd payment to pay it off was on XX/XX/11 for {$280.00}. They had my address incorrect in their system, so I gave them my correct address when i scheduled the payments. About a week after the account was paid in full I called and spoke with XXXX XXXX and asked him to delete the debt from my report because I never received notice of the debt to begin with and wouldv'e paid it from the beginning to avoid it getting reported if I knewabout it. I was told that it is company policy to not delete debts from credit reports, even if the address was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and  and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I  received a letter from the United States Bankruptcy Court stating  that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/XXXX. I would like to have the judgement removed  immediately   to to the fact it was obtained illegally and purchased from a third party agency illegal. Thank your for your support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Advance America, Cash Advance Centers, Inc.
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had been told that a loan I was delinquent on would be going to collections if I didn't make a payment by XX/XX/XXXX. I could not meet the deadline, and assumed that it was too late. I had expected to hear from a debt collector at some point, never did, but yesterday XX/XX/XXXX it had been pulled from my account bringing it into the negative. 
I had been lied to about it going to collections, and I don't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: CITIBANK, N.A.
State: CA
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:
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit. While these applications did not yield accounts the fraudulent related inquires were found on the credit reports. Previously we sent official disputes to the creditors however two are still being reported to the credit bureau XXXX. A recent XXXX credit report shows that inquiries with CBNA and XXXX XXXX? XXXX  XXXX are still being reported AFTER official disputes were provided to both of those banks disputing the applications as fraud related. This is now a violation of her federal consumer rights.

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 2021-03-25
Company: EQUIFAX, INC.
State: NV
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 asked Equifax to block information related to ID Theft. I supplied the police reports and the information needed to do this. They replied that " We have verified the information belongs to you ''. I asked Equifax for how they did this. They stated " Well the creditor stated it was your account ''. I told them it was not and had the police report. They then stated " We just do what the creditors tell us. They state it is yours then we report it. If you disagree then take it up with the creditor not us, we just report the information ''. At this point they refuse to do anything further. This is the from my dispute on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I bought a motorcycle approximately inXX/XX/XXXX. The interest rate is 27 %. The loan is secured with the motorcycle, a XXXX XXXX XXXX XXXX and a vehicle I already owned, a XXXX XXXX. The company, Springleaf Financial has changed their name to One Main Financial. In XXXX I had a very bad XXXX   incident and had a severe deterioration in my health, such that I could no longer safely operate the motorcycle. Subsequent to that my medical bills started to drastically accumulate and it became a matter of who do I pay? I stopped paying on the loan inXX/XX/XXXX, and asked the company to settle the loan. They demanded I supply them with comprehensive information about my income and creditors, and shortly thereafter a rejection ( titled Settle Meant, which made me question their competence ). As part of my offer I offered to turn over both vehicles as they were the security for the original loan. They flatly refused. 
I've been getting shifting stories from the company. Last week they told me the loan was for {$10000.00} and I still owed {$5000.00}. When I asked the lady how much total money I'd sent them she said {$5000.00}. I said you must mean principle, I'm asking how much total money including interest have I paid? She repeated {$5000.00}. That's not credible. At the time I offered a {$4000.00} settlement ( if I could find it ) and they accepted, but that was before they told me I'd paid {$5000.00} total on a 27 % loan. A rough back of the envelope calculation is $ XXXX/month, for 54 months, is over 13,000. I'm sure I missed payments from time to time and my calculations are rough, but I'm quite sure that the {$5000.00} figure is bogus. Yesterday I called and asked some questions. They told me the loan was started in XX/XX/XXXX, also not credible. I have a picture of myself on the motorcycle fromXX/XX/XXXX. They told me the original amount borrowed was {$7400.00}. 
I'll be interested to know what story they give your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2017 I bought a BRAND NEW XXXX XXXX from XXXX of XXXX for {$36000.00}. The Bill of Sale said the truck was " New '' and had VIN # XXXX. 

I put 10 % down in cash and financed the remainder of this truck with Toyota Financial Services. 

However, XXXX of XXXX did not provide me the truck on my Bill of Sale. They actually provided with a used and defective truck -- with over $ XXXX in body work and a complete engine replacement -- with the VIN # XXXX. 

Over the course of the next 79 days XXXX of XXXX attempted to keep me in the dark all the while knowing that they had given me the wrong truck. Instead of trying to fix the problem by giving me the truck listed on my Bill of Sale, they attempted to do a " title swap '' which would have stuck me with the pre-owned and defective truck and not the truck I had purchased on paper. 

XXXX of XXXX went to great lengths to keep me in the dark about the fact that they had actually given me a used and defective truck ( see attached complaint ). Nearly three ( 3 ) months later I received the correct truck but neither XXXX of XXXX nor Toyota Financial Services has helped me correct the financial situation. 

Specifically, I should not be responsible for the car and insurance payments for the 79 days where I did not even possess the new truck as a result of their intent to defraud me. Additionally, the XXXX XXXX XXXX depreciated greatly over the course of those 79 days leading up to XXXX ( by {$6300.00} according to XXXX XXXX XXXX XXXX XXXX ) so the final purchase price would need to be adjusted for depreciation. 

A full and complete complaint, with exhibits, is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-09
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I placed an order with XXXX XXXX XXXX  utilizing XXXX. In XXXX, I notified them that I still had yet to have received the product and to date -- I still have never received the product. I notified XXXX in XXXX of 2019 that my account was still showing a balance when I had never received the product. They then reported inaccurate late payments ( that were never owed ) because I never received the product. I notified them both in writing and email yet received no response. Later I found that the account was sent to collections to Afni and now they state that, that I can only dispute with Afni. Afni never mailed me initial notification that they received the collections. I have contacted Afni via email but still have not received any communication in the mail. 

I never received the product and thus no balance was owed. Both XXXX and Afni need to remove this as a delinquency / collection considering the product was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Law Office of James R. Vaughan, P.C.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, I came home to a lawsuit for over {$2000.00} taped to my front door filed by XXXX XXXX XXXX XXXX. on behalf of an apartment complex, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX Apartments, where I lived for 4 months in XX/XX/XXXX, 3 years ago. I am told I have 20 days from that date to respond. I was constructively evicted due to their unresolved problems and unsanitary conditions of infestation of mice, scorpions and roaches. 

Today, XX/XX/XXXX, in review of my credit report I received in the mail, the XXXX XXXX XXXX debt collection agency has ran my SSN without my permission gaining access to my credit report on 2 different occasions, XX/XX/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 2019-01-16
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It is too late, ,they went to court already,,, i tried to make it but fell down after finally finding a parking space that was for XXXX on street rather than upstairs in parking lot.

i got the thing delivered in mail that i have 30 days if after the sheriff will come and move me out.

it would help if they gave me 60 - 90 days as i have to find a basement or first floor and someone to move me. i stopped my lawyer after house was going to auction.

I have called and emailed Wells Fargo every day and talked to Foreclosure specialist XXXX XXXX who you have talked too and nothing happened, Thanks for caring. I do not know what to do!!!!! Maybe i will have have another XXXX XXXX and they will be happy cause they will get the house sooner. Don't worry i would never kill myself!!! i am the daughter of XXXX XXXX XXXX ( deceased )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
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: Account information incorrect

Complaint:
Experian Complaint # XXXX Response on XX/XX/2018 Experian has yet to provide proof of balance as I have uploaded the document from XXXX XXXX XXXX. Nor has Experian provided any proof of any from XXXX of the amount of the loan. Experian has not provided any proof of XXXX being the original owner of the requested loan. 
Experian states that they have the loan amount right as stated by Experian of {$24000.00} in which is wrong and I have the proof of the document from XXXX XXXX XXXX of the loan being {$25000.00} so how is Experian response right as they claim but have no supporting documents from XXXX XXXX XXXX as proof. As Errors in the reporting you cant say XXXX legally unless you have documentation that they were the original owner of the loan or provide documented proof of the said loan. XXXX XXXX XXXX is the owner of the original loan not XXXX. Experian needs to provide me documented proof of the documents. XXXX XXXX Cleary states on there letter they did not report this loan and Experian has XXXX/XXXX XXXX XXXX on my credit file so 2 company 's cant show one reporting and the other on the same trade line but one provided proof and as of yet Experian has yet to prove or provide documents as XXXX XXXX XXXX. I did not sign any loan agreements with XXXX nor has Experian Provided any proof of this in any way. Experian has not provide any proof of the loan amount as they show as {$24000.00} when in fact my documents show XXXX in which by law is no correct nor right and violates my rights of a debt not showing correct or document proof from Experian other wise to prove me wrong. As XXXX stated in there letter they did not provide delinquency information to the credit reporting agencies. I have yet to see any documents from XXXX as the loan original owner or documents from Experian there cant be 2 loan company 's on the same trade line one reporting and the other one is not but XXXX is not the original owner nor has Experian provided proof to me as they are or any documents. As the loan was adjusted it not correct so there for the loan is in error.

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 2019-10-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THIS IS THE FINAL REQUEST PRIOR TO SERVING EQUIFAX FOR MULTIPLE BREACHES OF CREDIT REPORTING LAW TO BE HEARD IN SMALL CLAIMS COURT, XXXX CA.EQUIFAX, AFTER MULTIPLE INVESTIGATIONS ( FOR MAX LEGAL $ CLAIM,XXXX PER BREACH ) CONCERNING IDENTITY THEFT CONTINUES TO PUBLISH AND DISSEMINATE FALSE INFORMATION.I ORIGINALLY DISPUTED 5 DEPT OF EDUCATION LOANS AS NOT MINE.. 
DUE TO IDENTITY THEFT.I HAVE PREVIOUSLY PROVIDED AN FTC IDENTITY THEFT REPORT, MY DRIVERS LICENSE WITH VERIFIABLE SIGNATURE ( PROPER ID ) MY SOCIAL SECURITY CARD AND BANK STATEMENT.EQUIFAX REMOVED 4 OF THE 5 ERRONEOUS LOANS BUT REFUSES TO REMOVE THE 5TH LOAN DEPT OF EDUCATION/XXXX, ACCOUNT XXXX. 
THE LOAN APPEARS TO BE TRANSFERRED.IT WAS NOT TRANSFERRED TO ME.EQUIFAX VIOLATES FCRA FOR NOT IMMEDIATELY DELETING.NO FURTHER INVESTIGATION IS NEEDED TO DELETE/SUPPRESS FROM EQUIFAX.ALL NECESSARY INFORMATION TO SUCCESSFULLY DELETE HAS BEEN PROVIDED MULTIPLE TIMES ... WITH MULTIPLE, MAIL, ONLINE DISPUTES AND CFPB COMPLAINTS. 
ATTACHED ARE ID AND REPORT SECTIONS FROM EQUIFAX AND FTC ID THEFT REPORT. 
LATELY, THE EQUIFAX CFPB DISPUTE RESPONSES HAVE BEEN SAYING TO CFPB THAT EQUIFAX IS INVESTIGATING, YET THEY ARE NOT INVESTIGATING OR PUTTING UNDER DISPUTE.THEY ARE LYING TO THE CFPB IN THE PREVIOUS TWO COMPLAINTS AT THE LEAST.THIS IS A CRIMINAL ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Peer Advisors, LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX There is a BANK called XXXX  which main Company are in XXXX Texas XXXX. 

This Bank acquired a REVERSE MORTGAGE on my Property at XXXX XXXX XXXX XXXX in XXXX FL. XXXX under my name XXXX XXXX about more than 5 years ago, and under the account # XXXX. 

As having a Reverse Mortgage I do not pay any monthly Mortgages Payments I just Paid annually the Property Insurance and the Property Taxes. 

It seems that there was a balance of {$680.00} that I was owing to this Bank XXXX  but this BANK never let me know about this balance. I just knew about it three ( 3 ) days ago when I received a letter from a lawyer from XXXX telling that my house was going to be foreclosure and this Lawyer attached to his letter a Filing # XXXX filled for a Lawyers from XXXX XXXX Company named XXXX, XXXX XXXX XXXX XXXX phone # XXXX. 
This lawyer Company also never made a server to XXXX XXXX of this Filing for a NOTICE OF LIS PENDENS. 

When I XXXX XXXX received this letter from this XXXX 's Lawyer I asked my neighbor Named XXXX XXXX to read this letter as It was in XXXX and I only speak and read spanish. She told my that a BANK is trying to foreclosure my Property and my neighbor inmmediately called the XXXX XXXX and asked what happened?? 
Then a Representative from XXXX  told my neighbor XXXX XXXX that I was in default and owing this BANK the small amount of {$680.00} for a balance on a Property Taxes of the Year XXXX. Then the same day XX/XX/XXXX I get a CASHIER CHECK for {$680.00} and mailed by certified mail directly to the address the Employee from XXXX  told my neighbor. My neighbor told them that XXXX XXXX never ever received and statement from the XXXX XXXX that he was owing this money.. And never ever received a summon o a server from the attorneys XXXX, XXXX, XXXX XXXX XXXX. 
Then without any information from the XXXX XXXX in Texas and from the lawyers in XXXX XXXX, this BANK is trying behind my BACK to foreclosure my Property that has a REVERSE MORTGAGE from the Goverment. 
This is the complaint I would like to place with the CFPB because what this BANK XXXX  and the lawyers from XXXX XXXX they are trying to make me is a kind of FRAUD against me and my Property as I XXXX XXXX stated that never ever received any information from this BANK that I was behind or owing any MONEY to them. 
Then they are trying to FORECLOSURE my Property to a man o XXXX years OLD. 
I am enclosing support documentation and a copy of the check for {$680.00} I mailed to them on XX/XX/XXXX when I knew from the BANK I was owing this money and with a certified and return receipt letter. 
The BANK never ever sent me and statement notifying me that I have a debt with them. 
Thanks, XXXX XXXX XXXX XXXX/ Legal Representative XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation