BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-25
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Just as of last week I was interested in checking my credit score. So I went to XXXX and I saw that I had 1 derogatory mark on my credit report. I noticed that it was XXXX. I was a XXXX customer over two plus years ago, I had a two year contract. I had a monthly phone bill that I paid every month on time until I fell into a financial hardship at the end of my two year contract that caused me to miss and not pay, from what I can remember which was my last two phone bills. I was unaware of my remaining balance that I owed XXXX for my last two missed monthly payments. I never received a bill in the mail and I never received an email because I opted out of paperless mail. XXXX sent my last two payments I missed to a collection agency for the purpose of collection. I never received a bill in the mail for the balance that I owed on my XXXX account. I'm actually glad I checked my credit score because I would have never noticed that I still owed XXXX. I would like to become a XXXX customer again very soon because XXXX has a certain phone that I'm interested in buying soon and no other carrier has that phone available. In order for me to become a XXXX customer again I need to pay my remaining balance off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening. Hoping that you could help me out. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXX  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 explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX   XXXX  XXXX, XXXX XXXX  XXXX, Company Inquiries : 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 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 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 explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 IS A FRAUD LOAN. I NEVER OWN THIS LOAN, YET IT KEPT SHOWING UP ON MY CREDIT 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 2018-08-27
Company: Harley Davidson Financial Services 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:
On XX/XX/XXXX at approximately XXXX I visited a Harley Davidson event in XXXX XXXX Florida and I was not looking to buy a bike. I was there for the event and I told the salesman I was not looking to buy a bike and I was only there for the food and drinks. He continued to try and convince me to ride a motorcycle and I said no. I have been drinking I am only here for the event he would not let up continued to than tell me about a .09 % interest rate telling me I could qualify for a buy back on my bike and could save a lot of money to trade in my bike. I finally said okay if I can save money sure ill check it out. He Then proceeded to fill out a credit application and asked me for my licence and told me to sign it. I told him I am currently in the middle of a home refinance and I said never mind i do not want to risk it. He than convinced me that it would not effect my home loan and that it was only a soft pull. " I have a text message from the salesman stating it was only a soft pull ''. The salesman than handed me a beer told me to relax. After the application was filled out they than tried to get me to sign another form stating they would not pull my credit unless I agreed to buy the bike. That's when I said no I am done do not pull my credit and I am not signing this and I left. realizing an hour later they kept my licence and when I returned for my licence the salesman greeted me outside and handed it to me.The next day I got a notification that Harley did a hard pull on my credit. I than texted the salesman and asked if they pulled my credit he said yes we did a soft pull. I than asked why they pulled my credit after they said they wouldn't and we decided no on the deal. he said you signed the paper. They did not have my permission to pull my credit and they did it anyway and they did a hard pull I believe because they where angry with me that i was not intoxicated enough to do what they wanted. I also believe the credit was pulled after I left the building. I believe they hold these events with alcohol in order to coerce people into buying a bike.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to a new bank. I've always paid my own taxes, homeowners insurance and flood insurance. Tha transfer took place two months ago from XXXX XXXX to p n c. I called both my flood and homeowner companies notifying them of the new lender. The new lender sent me a statement indicating my flood insurance is now escrowed and quoted me a federal law indicating they have that right. I have paid my own flood, homeowners and taxes for years. This doesn't seem right. I never agreed to it and my previous lender was okay with me paying everything without an escrow. I was not in control on the loan being sold. What can I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX XXXX Barclay denied a credit charge of {$2000.00}. When I called them to let them know that I was paying a contractor for the work done by the name XXXX XXXX they then approved the charge 0f {$20000.00}, putting me way way over my credit limit. ( XXXX has a recording of this conversation ). The contracrator made up a fraudulent charge of {$18000.00} more, The total amount was not clearly visible on the phone. ( XXXX XXXX ). I have gone back & forth with XXXX Barclay but they have refused to accept any responsibility for their grievous error which is solely on their part. 
I have made the high minimum payments for almost two years hoping they will see my side & not to let it effect my credit. 
My Total balance as of XX/XX/XXXX statement is {$29000.00} Fradulent Charge due to XXXX error ( {$18000.00} ) High Minimum payments made from XXXX thru XXXX ( {$9600.00} ) Late Fee & interest charged?

Real Balance Owed {$1400.00} I have sent them two letters on XX/XX/XXXX & XX/XX/XXXX along with one Certified Mail. Upon talking to them they asked me for a two cycle time period to evaluate & make a decision. I have yet to hear from them. The person I talked to told me that my account has been charge off.

This whole thing has affected my Credit Score to sink to a new low from the high 800 score. I would very much like XXXX Barklay to accept their error in the poor decision they made, restore my credit & give me a letter of accepting {$1400.00} as payment in full so I can pay and put this matter behind 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 2018-08-27
Company: Innovis
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:
This account is not mine. In 2014 XXXX XXXX stole my identity. I dont know how many times I have let all 3 credit report bureaus know this information. They still let creditors put the identity theft on my credit report. They dont check nothing before putting it on my reports. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  credit card. XXXX needs to take off XXXX XXXX XXXX, XXXX has taken off the the bad. But still no Good standing on my report. XXXX still has all the identity theft on my report. Name wrong and still dose not have any of my good standing. XXXX bank, XXXX, XXXX, XXXX XXXX, these accounts need to added to XXXX, XXXX XXXX, XXXX. Please add the good standing on my reports if not already done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX at XXXX XXXX MST I sent an international money transfer with Moneygram Online for a total of {$1000.00} USD to a receiver in XXXX. She received the money the following day in her account. For some reason without me requesting it and no issues with the funds from my bank account, Moneygram decided to cancel the transaction over two months later on XX/XX/2020. This has caused the receivers bank account to be suspended and Moneygram said they had no option but to refund me the money even though I never asked for a refund and that it is more than two months after the original transaction took place. 

This has caused undue stress on both the sender and receiver, for one I had to send a new {$1000.00} transfer to XXXX on XX/XX/2020, not using Moneygram at a cost of {$17.00} to me. 

The receiver still has her account suspended by her bank and Moneygram has offered no support or explanation of why this transaction was canceled more than two months after successfully being deposited in her account. 

The phone support claims that the financial institution rejected it but her bank is claiming moneygram canceled it ... the money was in her account and processed fine until Moneygram tried to take the money more than 2 months after the transaction was successful. 

I included in the attachments which have the reference numbers and the dates of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Experian Information Solutions Inc.
State: ME
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:
Secured credit card with XXXX, Paid {$1000.00} security deposit. Account closed by XXXX and {$1000.00} security deposit applied to balance. Credit bureau 's state account closed, negative account, past due {$95.00}?

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 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
Secured credit card with XXXX, Paid {$1000.00} security deposit. Account closed by XXXX and {$1000.00} security deposit applied to balance. Credit bureau 's state account closed, negative account, past due {$95.00}?

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 2018-02-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My complaint against PayPal Inc. is such a very doable action as far as I am concerned. This was just not given attention regardless of the numerous contacts, emails and calls done. PayPal, has put a permanent limitation to my account XX/XX/XXXX when it has unwithdrawn funds yet amouting to more or less XXXX XXXX. I received an email last XX/XX/XXXX stating that my money is now eligible for withdrawal. Now, its XX/XX/XXXX and I havent gotten the chance to enjoy my own money because it is not in my own hands that lies the ability to adjust the limitations set on my account which one of those it to withdraw money from my account which up to know shows under the restricted actions that I am not allowed to perform which then hinders me as well to add a bank account a XX/XX/XXXX card and is denied to me several times by supervisors on their Limitations Team stating that their front end agents are LIARS because they informed almost everyone about adjustments done when an account is limited and withdrawal needs to be done. Well, what can I say? I know their limitations Team may not exceed a number of adjustments per day or their metrics are gon na be suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: ZWICKER & ASSOCIATES
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I try to call four times their answer machine keeps hang up on me AndI try to email them twice. 
Zwicker + Asscociates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: WASHINGTON FEDERAL BANK
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I put it in federal court, FTC, FBI, I am being retaliation upon. I lost 6 laptop in the past 5 years. This is what cost me my job in 2015 XX/XX/XXXX. 
I have been data breached so bad that my info is in other countries, not only is this a problem foreclose. i am in trouble for tax evasion from other countries that I am just finding out about. 
The mistake of data breach, ID Thief. Has about made me a XXXX   person. 
see the doc from the attorney general.

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 2021-07-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$470.00} Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: Risecredit, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I sent a letter to Rise disputing a negative account I found on my credit report. On XX/XX/XXXX XXXX XXXX signed for this letter at the post office. On XX/XX/XXXX they sent me a letter stating my letter was irrelevant and they were dismissing my dispute. I checked my credit report on XX/XX/XXXX and Rise never marked my account disputed.

On XX/XX/XXXX I sent a second letter to Rise disputing the negative account listed on my credit report. On XX/XX/XXXX Rise sent me an email of " proof '' of this account being legitimate, although they did not send me an original signature like I asked. I checked my credit report on XX/XX/XXXX and Rise still never marked my account disputed.

On XX/XX/XXXX I send a third an final request to Rise disputing this negative account on my credit report. On XX/XX/XXXX XXXX XXXX signed for this letter. I checked my credit report XX/XX/XXXX and the account is still not disputed. 

Under the current law, the company had to mark this negative account on my report as disputed and they have refused to do so the three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XX/XX/XXXX CAPITAL ONE accessed my credit file with XXXX, XXXX, AND XXXX without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On XX/XX/XXXX Capital One sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report ( this one, in addition to a couple more ), and in response to my kind request as a happy Capital One Client. As up to date, XXXX  shows the 3 inquiries ( the XXXX and XXXX one XXXX  and XXXX  took off, plus this precise one ), and both XXXX  and XXXX  still show XX/XX/XXXX only. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above. XXXX  is neglecting to remove anything, and the other two remove partially, as explained. Should them continue in their non-compliance, I may end fighting for a long period of time, at small claims court, as I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance.Kindly ask Capital One to help on this matter, to avoid having unnecessary discussions with a happy Capital One client. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, XXXX XXXX XXXX, own a townhouse at XXXX XXXX XXXX, XXXX, PA XXXX, Parcel ID : XXXX. On XXXX, I obtained a Home Equity Loan with the JPMorgan Chase Bank, NA, Home Equity and Consumer lending Division, XXXX XXXX XXXX, XXXX, OH XXXX. The current loan number is XXXX. 

The issue here is why did Chase pay {$250.00} to a debt collector in XXXX towards the XXXX XXXX XXXX XXXX XXXX XXXX when it was already paid in XXXX. The Township Tax Collector has confirmed the payment in his letter dated XX/XX/XXXX. This letter also states that there was no XXXX lien for my property. As shown in the letter, the XXXX tax amount of {$200.00} was paid in XXXX but Chase made a unilateral decision to make an overpayment of {$250.00} to debt collector. The Township Tax Collectors letter is attached for your perusal. 

There is no provisions under the Taxes and Liens section of the mortgage to pay a debt collector without verification or prior notification to me. This section also does not state that Chase is not required to contact me. Also, this section does not have any provision to pay the XXXX tax. This Chases action is in violation of the Evidence of Payment section of the mortgage. 

Under the Right to Contest section of the mortgage, Chase failed to give me 15 days to pay off any tax due. Chase has violated my rights under this section when it unilaterally decided to pay XXXX tax when it did not even have the mortgage on the property until XXXX. 


It is obvious that the Chase made errors in paying the XXXX tax in XXXX when the tax was already paid in XXXX. Chases own title search in XXXX prior to approving my loan did not find any lien. The XXXX payment of {$250.00} to a debt collector must be removed from my liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Mercantile Adjustment Bureau LLC, claimiming that they were collecting a debt for XXXXXXXX XXXX  XXXX for XXXX. I first called the the number on the letter and could only get transferred to voicemail. They were unable to speak with me personally. Next I called XXXX XXXX to see if I had an outstanding debt. The person I spoke with did some research and was unable to find any outstanding debt. She seemed to think that this was a fishing scheme. I also checked my credit report for open and closed accounts. I was unable to find any type of account. Also I never had an account with XXXXXXXX XXXX.

Company response to consumer: Closed with explanation