BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022 my Venmo account was frozen because of suspicious sign in attempts. I followed all instructions to re-activate the account and verify my identity. There were no fraudulent transactions. They said the issue would be resolved within 7 business days but its been over a month and the account is still frozen. {$230.00} in cash is frozen in the account and {$240.00} in crypto currency that I am unable to access. I have tried to contact the company multiple times via chat and email and havent received any information on when the issue will be resolved. I need that money that is frozen in the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried to freeze credit on their website as I have done in the past. Was directed to send sensitive documents in the mail that could only lead to ID theft. Calling is a waste of time, there menu XXXX will have you sitting on the phone for days. Why can't I freeze my credit online like I have done in past and my wife has done successfully yesterday?

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 2020-06-19
Company: HARBORONE MORTGAGE, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my property taxes in full but was informed that my mortgage company ( HarborOne ) had escrow and were supposed to deal with it. I've requested several times for someone to figure this situation out as I believe I may be owed money. I have been placed on hold for an extensive time, I've been told to go to someone in the mortgage department, which I did. then i was told by that person to go to the mortgage service center ( the same place I've been put on hold ). People are kicking this issue around and I'm not happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX allowed a credit card to be opened with a fraudulent address and I noted it on my credit report - opened XX/XX/XXXX despite my credit report being frozen. I contacted them and the account was closed permanently.. On XX/XX/XXXX I sent them a letter as recommended by identity theft.gov and have not heard back from them. ( XXXX ). Although the account is closed I have not received written confirmation from XXXX XXXX XXXX .I would also like the know the charges that incurred with the fraudulent card.

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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I present the complaint of the collection agency XXXX XXXX XXXX. I have never had an account with XXXX and less have opened an account with them, this seems false or some type of " hacker '' that access my credit account so I ask for immediate investigation. They have given news related to this type of situation in : Fake Collection for Non-existent XXXX XXXX XXXX account!! I expect quick action on it. Thank you. 
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 2022-07-25
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:
I have tried disputing the accounts on numerous occasions with XXXX, Transunion, an XXXX. I havent applied for credit, my information has been compromised. The address are fraudulent. I have disputing the same accounts they wont let me dispute them for the second time. These accounts are affecting my life, I cant get a job or proper housing for my kids. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX 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 2019-12-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
At XXXX on XX/XX/2019 I received a text message from the number : XXXX It stated : " Chase Fraud Alert : Did you just try to charge {$340.00} at XXXX XXXX store? if YES ignore, if NO update account contact information and request a replacement card on Chase.comXXXX '' I DO NOT have a Chase account. I have never had a Chase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: FIRST HORIZON BANK
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was told directly by my bank FIRST HORIZON on XX/XX/XXXX that my rate for next year would stay the same by one of their representatives. I told them I was in the process of refinancing with another bank ( as this bank doesn't do refi ). 

I then received a letter dated XX/XX/XXXX that my rate would go up 1 %. 

That is misleading me in order to keep my business and even if it was an honest mistake, it was FIRST HORIZON 's mistake. Not mine.

I have submitted this before and they replied WITHOUT DISCUSSING the XX/XX/XXXX call ... which is my only complaint. See attached letter. It is more dishonesty!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Bankruptcy on credit report and is on my public records

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 2022-07-25
Company: ERC
State: GA
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:
After careful consideration your firm that you represent " Enhanced Recovery Group has been practicing illegal credit acts.

Debt collectors aren't supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so.

By coercing me to pay on an extension of credit. This is a violation of 18 USC 894.

First thing, You do not have any lawful right to be in possession of my identifying information.

Secondly, I didn't give you consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.

The last thing Enhanced Recovery Group need to understand this is also aggravated identity theft 18 USC 1028A

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My name is XXXX XXXX and I am a service member been on XXXX XXXX since XX/XX/XXXX. I financed a vehicle from XXXX XXXX XXXX through Capital One Auto on XX/XX/XXXX for {$21000.00}. The vehicle ( XXXX XXXX XXXX  ) was valued for nearly half that price but I was in need of a reliable car to get to my duty location so I agreed to the sale with a monthly payment of {$570.00}. 
One year later XX/XX/XXXX, I logged into my Capital One Auto account ( XXXX ) thinking that my loan should be substantially paid down, only to find out that for the last 12 months my loan balance was still over {$20000.00}. I immediately called Capital One and requested a review of all my payments and they explained that " all my payments were uptodate and applied to the interest of 24 % and that's the way the loan should have been explained by the dealership and they have nothing to do with that process ''. 

I explained to Capital One that my initial understanding was that the price included the interest since the vehicle had a value significantly less than the quoted price, at least thats how the dealer sold me on the purchase, and that's when I ask if as a servicemember, I could use the SCRA since I'm currently on XXXX XXXX and recently PCS ; they Capital One instructed me to send them a copy of my military orders. I sent them a copy but was denied and was told that I took out the loan after entering XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I accidentally paid my bill on my XXXX XXXX XXXX XXXX credit card a few days late the last 2 months due to medical issues and being in and out of the hospital, however the bills were paid. The company suspended my use of the card, then decreased my credit limit from {$1600.00} to {$950.00}! I have had this card for over a year and this was the first time I have ever had any issues!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
To let you know that I've become a victim of identity theft, I'm writing to you. I learned that without my knowledge or any connection to me, personal information, including inquiries, had been published on my credit file. Please help me remove these items from my report immediately. According to FCRA section 605b, the credit bureaus are required to remove or restrict any information mentioned on an identity theft report. I have provided certain documents to help in the blocking of the fraudulent information that are being posted on my report. 
EMPLOYER : XXXX  XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I signed up with Capital One for a secured credit card in XX/XX/XXXX under the terms that after 12 months of on time payments, the card would be upgraded to unsecured and I would receive my security deposit back. 
I have been calling since XX/XX/XXXX and they keep telling me there's nothing they can do. They told me to apply for a new card ( which would damage my credit that I have worked so hard to build ) they also said tonight that at the time I signed up there was that offer but right now that offer doesn't exist.. so nothing I can do except close it to get my deposit back. They completely mislead me. Had i known this I NEVER would have signed up. I just want to be upgraded as I was promised and my deposit {$500.00} returned. My balance right now is XXXX which will be paid Tuesday. It is wrong for a lender to do this to people. Please help.. my credit is very important to me as I work very hard to maintain my status. Thank you, kindly. This issue with Capital One should not even be an issue. It's not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I got my car and shortly after I was fired. I called my lender right away to ask about my option and they said I could do anything because I had not made 6 payments towards my loan. I explained to them that I was not going to be able to do that as of now and they said that there was no other options. I called today XX/XX/2022 to let them know I have still not found a job and I was told that my car would be repossessed and that I didn't have any options to keep my car. Every time I call to see how I'll be able to keep my car they just tell me it's too bad and that there's nothing to be done other than to pay them so they don't come get my car.

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 2020-06-19
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DPTEDXXXX  XXXX {$14000.00} USDOEXXXX  XXXX {$420.00} XXXX XXXX {$740.00} XXXX XXXX  XXXX {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: I.C. System, Inc.
State: GA
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-12-30
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a dispute to Equifax through certified mail and answered back on XX/XX/2019 with a statement saying that they could not locate my credit file even though i sent all required information and copies of SSN and Driver 's License. And on another line said that i supposedly sent them a " XXXX XXXX Only card '' when i clearly sent them a huge XXXX color copy. Then i sent them an even bigger copy of my XXXX and came back on XX/XX/2019 saying that the documents provided were illegible even-though i sent them the same documents with a bigger copy. So first they couldn't find my file and then they couldn't read my documents even though everything is typed and copies clearly visible. They are Obviously trying to violate my right as a consumer to investigate information on my credit file. They are wasting my time and money with ridiculous and petty actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act STATE DEPARTMENT FEDERAL account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX  XXXX account # XXXX and XXXX XXXX XXXX account # xxxxxx XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: EMBRACE HOME LOANS
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We received a direct marketing advertisement for refinancing our existing home mortgage to their company and estimated savings of {$1800.00} with the small print signifying that taxes and insurance are not included in the payment estimation. Im educated enough to know that more than that amount of my monthly mortgage payment is associated with taxes and insurance, but worry that the average consumer is not as knowledgeable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DPTEDXXXX XXXX {$14000.00} USDOEXXXX XXXX {$420.00} XXXX  XXXX {$740.00} XXXX XXXX XXXX {$460.00}

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 2015-05-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
. I have been trying to work with Wells Fargo since XX/XX/XXXX to modify my mortgage loan and it appears their underwriters can not connect the dots to get this completed. I 've applied several times for assistance, but I 've run into problems each and every time. My last single point of contact told me that my mortgage loan qualifies for the National Settlement Program and I have accommodated Wells Fargo 's every request for the last two years. The person underwriting my file denied me for the program in XXXX without a solid written reason. How can Wells Fargo allow a person who lacks common sense have so much power over my loan and destroy my life by taking away my home? Wells Fargo unjustly denied me access to government programs designed to help homeowners and it feels like there is nothing I can do. 

Since that denial, I 've continued to try to get help and went through the rollercoaster process of sending in information over and over again and being given false hope. Every time I did exactly what they said to a tee, but I feel they never properly reviewed my mortgage loan for assistance and have been playing games with something that is so important to me. I have submitted every document that has been requested ( multiple times ) and they still require more. I continue to get collection letters mailed to me every other day and also receive harassing phone calls on both my home and cell phone not only during business hours, but also at night. If they would put as much effort into reviewing my loan for a modification as they do harassing me to " collect a debt '', this issue would be resolved. But instead they continue with the foreclosure process instead of properly reviewing my loan for help ... is n't that dual tracking and considered illegal? 

It has been such a frustrating and stressful experience that was totally unnecessary. I am able to make my mortgage payment, but they will not accept it. They want to steal my house!!! Initially, I had hope that Wells Fargo cared about their clients, but it is clear they have no interest in helping me. It 's not fair for a XXXX like me to go through so much stress and eventually lose my home. I would be forever grateful for any assistance you could provide to get them to speak with me regarding my loan and hopefully save me from losing my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation