BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: MONEY SOURCE, INC., THE
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made XXXX payments from my husbands incorrect bank account that were returned in the month of XXXX. On XX/XX/XXXX, and XX/XX/XXXX. I rectified the situation and paid the mortgage on the XXXX of XXXX, so the mortgage was paid on time. This month I went to make my mortgage payment I was told I could not make my mortgage payment online by debit card or bank account. I now have to pay a late fee including an overnight fee to send certified funds to The money Source so that they receive my payment on time. I have never been late on my mortgage and am absolutely dismayed and the lack of customer service and understanding from this company. They are telling me I have to send certified funds for XXXX full months which is outrageous and a huge waste of my time and money. This is a disgusting money grab from this so called servicer. I am not supposed to spend money on shipping for something I should be able to do online or even over the phone with a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: MA
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 has now reported to XXXX and Equifax fraudulent late payments violating the FCRA. I returned my lease on XX/XX/XXXX and they recorded I was late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments when I have called and confirmed with XXXX that my lease obligations were fulfilled in full when I turned in my car. As I said, both bureaus now show these fraudulent payments and also are missing many on time payments. They have not responded to my disputes and cleared these payments and have wanton disregard for accurately reporting payments as required by the FCRA. These are clear violations of the FCRA and I demand they be removed immediately. 

I have attached your own statement showing that I was not late in XXXX, XXXX, or XXXX and the reports from XXXX and Equifax showing you reporting that I was late in those months as well as your response to my dispute showing I was late in those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Home Loan Center, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I was charged hidden fees from this company Lending Tree XXXX XXXX XXXX XXXX they refused to close my account due to their own wrong business that never opened my request with a processing request that takes over three weeks, I am requesting to ask who owns XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was struggling to make payments on several accounts with different companies. Without warning Capital One closed one of my accounts. They never called me or sent me to collections. The Capital One Account ended up dropping off my credit report. I had completely forgot about it and then a couple weeks ago I got served a summons from them. They are suing me...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: IN
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:
I Sent my letter off on XX/XX/2022 and again on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX and XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

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 2022-08-23
Company: ALLY FINANCIAL INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not apply for financing through XXXX XXXX. This was done without my permission and authorization. Please see attached document.

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 2022-12-11
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A account was open with my information that I was not aware of, and I reached out multiple times to the company on my credit for it to be remove since the account was opened fraudulent and now it is on my credit getting harassed daily for something I have no idea about thats why the account was never paid off because I did not open it and now Im receiving mail at my boyfriend parents house when I never put that address in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I started Service with XXXX and cancelled 7 days later. They billed me incorrectly for the services I received. 

I called 3 times to correct the matter - every time agreeing on the phone that they would change the amount to the correct amount. 

I never received the corrected bill amount or given the opportunity to pay over the phone by XXXX, and instead was contacted by a debt collection agency, trying to collect the incorrect amount. 

The debt collection agency is Credence - and noted that it could appear on my credit, and tried to collect the incorrect amount, {$130.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

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 2020-01-18
Company: M&T BANK CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In XXXX 2019, in order to change the direct debit account from which a loan/line of credit at M & T Bank ( XXXX, VA branch ) is drawn, I submitted in person to the branch personnel a completed form providing personal information, and account information for both the M & T line of credit and the account at XXXX XXXX from which the withdrawals were to occur. In XXXX, when no withdrawals occurred, I asked M & T via phone if the paperwork had been processed and was informed the bank would " check on it. '' In XXXX, when nothing still had been effected, I was informed the forms were " lost. '' I asked for an explanation and received the following written explanation : " I have not been able to get a definitive answer as to where the ACH revocation and authorization were routed. Let me explain about how we were routing inter-office mail at the time you submitted your request. We used to physically seal everything within locked bags, at the end of business on the day, those bags are picked up and physically dropped at our internal processing center located in XXXX, from there, they are routed internally to the departments as listed on the envelopes. To my knowledge, at no point are the contents within the bags not handled by M & T employees, unless it is for out-bound for U.S. mail. Most likely, the documents were shredded, meaning I would not be able to get the exact location as a result. '' I remain concerned that the bank has no idea what happened to this personal information which included both personal and account information and it concerns me that the bank has no apparent controls to maintain and track sensitive records. I would assume the bank has an obligation to accurately maintain confidentiality and possession of confidential personal information and am extremely concerned that it lacks adequate controls and may easily lose and/or personal information as a result.

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 2022-08-01
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Checked my credit report and there are a ton of credit card inquiries and bank inquires that were done that I did not do. My wallet was stolen back in XXXX of XXXX. I noticed someone tried to open a mortgage because I was alerted so I froze my credit. Police did nothing about my report since I filed it online per the instructions I was given due to no officer available to call me. Still have not heard from them. 

INQUIRIES FOR 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 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 2022-08-01
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A debt collector named XXXX XXXX XXXX XXXX has been in contact about an alleged debt. There is no contract between XXXX XXXX and XXXX XXXX XXXX XXXX. There has been no proof as to why I am being contacted. XXXX XXXX XXXX XXXX has only shown me an alleged contract from another company and no where on this paper is XXXX XXXX XXXX XXXX listed. To have have my non public identifying information, such as my Social Security Number and my phone number is an invasion of privacy. I have never given consent to receive any correspondence from XXXX XXXX XXXX XXXX. I have also given notice to Experian about this identity theft. I submitted my identity theft report to EXPERIAN with a statement that this account is a result of identity theft. I also requested block on said information which is my right pursuant to 15 U.S. Code 1681c2 ( a ). The fraudulent account was never blocked and I never received notice of why such a block was not done. 

I demand a debt validation as it pertains to the FCRA from XXXX XXXX XXXX XXXX, with a wet ink signature. If this can not be I demand the removal of XXXX XXXX XXXX XXXX from my credit report. 

I demand Experian to send a description of the procedures that were used to verify this alleged debt. If this can not be proven I demand the immediate removal of this fraudulent acct. 

I may add, the date on this alleged contract is in XXXX of XXXX, but doesn't start reporting until XXXX of XXXX. The law states that selling a defaulted note ( no matter who's note it is ) is illegal and both the seller and purchaser are criminally liable.

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 2020-04-17
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a Suntrust mortgage on a home in VA. I have never been late on a payment until XX/XX/2018. I have a lease purchase agreement that requires the lessee to make the payments at the branch. On our about XX/XX/XXXX, a payment in the amount of {$6000.00} was made. Unfortunately there were insufficient funds and the check was returned. Suntrust attempted to redeposit the check 3 times and each time it was returned. On XX/XX/XXXX, I was notified that the check was returned for insufficient funds. Since this payment was due on XX/XX/XXXX and since I was notified after the 30 day window, Suntrust informed all credit bureaus that I was 30 days late. My Credit score dropped approximately 60 pts on credit bureaus. I believe that Suntrust had the opportunity to inform me that that the check was returned before XX/XX/XXXX. I have discussed this with Suntrust and submitted a dispute and it was denied. I have clearly been treated unfairly by Suntrust and they have no intention of accepting any blame for the lack of notification. My complaint filing is delayed, because I never new this was an option until recently.

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 2022-12-11
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
My Paypal account is XXXX Paypal sent me the email in XXXX but I still can't withdraw my money. 
" Status of your PayPal funds Your PayPal funds are now eligible for withdrawal. 

To withdraw funds from your account, please log in to PayPal. 

As a reminder, access to your account will remain limited until you perform the steps required to lift the limitation. 

While access to your account is limited, you may : * place logos into your auction listings or on your website * update your account information * withdraw funds from your account You may not : * send or request money * receive payments * add funds to your account * close your account Thank you for using PayPal. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: Financial Credit Network Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
DELIVERED INDIVIDUAL PICKED UP AT XXXX, XX/XX/2022, XXXX XXXX, XXXX, CA, XXXX to Financial Credit Network Tracking # : XXXX According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I will prove documents that it took them 4 months for them to do their investigation well over the 30-day mark.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
***I am making this complaint and not made through a third party. *** Sporadically, when utilizing the Chase app, it requires that I confirm how my spouse and I wish to receive statements. 

The issue is is that when doing so I have reselect paper statements each time as it defaults the radio button to electronic. 

It is an intentional act from Chase to default it to the electronic selection because it is cheaper for them. I find it deceptive that Chase continually selects a preference I do not want and does it periodically in the hopes that I accidentally select an item I do not want.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have previously disputed a Collection account that was added to my Experian, XXXX, and XXXX credit profiles requesting validation of the debt listed. XXXX deleted this account due to not being able to validate it. Experian and XXXX did not delete this account, stating it was valid. Neither bureau provided proof of validation as was requested. 

I have since contacted the collection agency for validation and have only received a copy of a ledger. I have notified the Collection Agency of a pending lawsuit against the organization they are collecting on behalf of as this debt is both illegal and invalid. The collection company sent me back the documentation claiming it is verification of the debt and they are refusing to remove it. I am in active litigation with the alleged creditor about this false debt and it is extremely detrimental to my lending ability.

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 2022-08-01
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
The company Midland Funding collected on a debt that I did not have with them, stating that I owed this debt from a closed account whose original debtor is XXXX XXXX XXXX. XXXX XXXX XXXX wrote off my account in XXXX for a credit card that was {$250.00} and midland funding stated my debt was sold to them for collections. I did not know who Midland funding was because I have never signed anything with them. They filed a lawsuit in a county hours away from where I live and my employer received a letter for my wages to be garnished. As of XX/XX/XXXX they garnished {$1000.00} stating that I owed {$940.00} plus {$60.00} court fee. I didn't believe there was anything that I could do about it so I did not do anything. Then I realized my check wages were garnished again while I'm out on medical leave and here it is the same company again in XX/XX/XXXX garnishing my wages stating the I owed {$670.00} which includes {$480.00} owed to them and {$190.00} in court summons. I don't understand how they are able to keep garnishing my wages and I don't owe them anything nor have they presented any paperwork that shows how I acquired this debt from them. This has put myself and my family under a very stressful and financial bind. After viewing my credit report it shows that I owe them {$790.00} more. They have had several different amounts on my credit report.This has left me stuck wondering where and what do I do next. There are no more paychecks left for them to garnish wages as I am on leave without pay and they took my final check. Can someone please assist me with this?

Company response to consumer: Closed with non-monetary relief