BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX account XXXX, has 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 an 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 2020-03-02
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On the XXXX XX/XX/2016, I fell prey to a sophisticated fraudulent retail profit pool company by the name XXXX XXXX ( the Company ). Money was transferred from my account to the Company via a bank wire for a total amount of XXXX GBP utilizing JPMorgan Chase Bank, N.A.services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello On XX/XX/2020 had a purchase at XXXX XXXX, They supposed to wrap my car, after short time I have decided to do it, because the car was leased The Merchant has returned the full amount ( XXXX ), The credit card company didnt resolve the issue yet .I have uploaded sale receipt and return receipt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: EQUIFAX, INC.
State: AR
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 spoke with a representative from Equifax this morning in regards to a recent identity theft dispute. I advised the representative Equifax had removed the wrong account ( XXXX XXXX XXXX ) which was not the account disputed in my Federal Trade Commission Identity theft report. In addition another fraudulent account ( XXXX XXXX ) which was also included on my FTC identity theft report remained on my credit file. I explained to the representative that XXXX XXXX XXXX Account needed to be placed back on my credit file and that the XXXX XXXX   account should've been removed under the Fair Credit Reporting Act statues in regards to section 605b, 609, & 611. The representative told me the XXXX XXXX account came back verified as belonging to me. I asked how could this be when the account was opened without my knowledge or consent and she then stated she didn't know how it was verified but that it came back verified. I find this totally unacceptable and it is a clear violation of the FCRA Sections 605b, 609, and 611 because it was not 100 % accurate verification using the automated e-Oscar data furnisher pacer system. The representative then told me I needed to speak to someone in the fraud department which the call was disconnected during the transfer. Any who individual who has access to my personal information would be able open accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX, 2015 between XXXX-XXXX., I had got off work that morning and went to Key Bank in XXXX , Ohio to meet my Sister and Brother at XXXX. to discuss an outstanding loan debt with a loan officer. I was running about 5 minutes late, but when I arrived there, we were denied entry into the Key Bank located XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, Ohio. They were only allowing XXXX in to do business. I felt that I was being discriminated against and could not understand why I was being treated that way. I have been a customer of this bank for years and I too was not allowed entry, we were literally locked out. I am an XXXX female who just wanted to talk with someone in the bank concerning modification of a loan. I was told to " go to another bank, on XXXX XXXX in XXXX XXXX talk with that Loan officer, who happens to be XXXX XXXX too. It was quite embarrassing. Though ... .after about 45 minutes, standing outside, witnessing XXXX police cruisers pulling in and them letting all the white customers out, my brother and sister and I were finally allowed entry. We asked why " we were not allow in but the XXXX customers were,? '' the Relationship Manager on duty, XXXX XXXX said, " because their system was down. '' That 's what explanation she gave us, which could n't be true, seeing that the white customers had no problem gaining entry and transacting their business. It was n't fair that me, my sister and brother were denied that opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted a fraudulent claim to Bank of America for cash withdrawals from my checking account on XX/XX/2019. I was credited for the amount of {$6500.00} until the investigation concluded. After 60 days of investigating, the bank came to the conclusion that the transactions werent fraudulent and reversed the credit, leaving my bank account in the negative. I requested for my claim to be reopened and looked over again as I knew who committed this fraud. They agreed and started another investigation, but still stuck with their decision. They claimed that the only way theyd reopen my claim is if I filed a police report or filed a civil suit. I proceeded to sue the person that committed the fraudulent activity and won the case on XX/XX/2019. After reaching out to the bank and sending them my court documents, they refused to accept it and refused to reopen my case, leaving my bank account in their collections department with a balance of {$6300.00}.

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 non-monetary relief
Consumer complaint received 2021-08-31
Company: PRIMARY RESIDENTIAL MORTGAGE
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked Primary Residential and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal.

Primary Residential XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: SYNCHRONY FINANCIAL
State: VA
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:
CJ penny Credit card in reporting incorrect balance on my credit 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 2017-02-07
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I was informed by my mortgage company Amerihome Mortgage that my XX/XX/XXXX, and XX/XX/XXXX payments had not been received. I immediately checked my bank account and noticed that the funds for the XXXX checks issued had not been drawn out of the account yet. I contacted my back and verified that the automatic bill pay system was not at fault, was given the XXXX check numbers, dates mailed, and expected processing time for the funds to come out of the account. I have attached the supporting document that shows the dates that XXXX processed the payments. I paid Amerihome Mortgage the XXXX payments and fees immediately on XX/XX/XXXX. After further investigation I feel that Amerihome Mortgage either held onto my payments or lost them as on XX/XX/XXXX Amerihome Mortgage sent me a letter stating that a check sent to them for payment was denied by XXXX my bank. After talking with XXXX the check that was denied was XXXX of the XXXX checks that Amerihome Mortgage had stated they did not receive. I am filing this complaint as my credit report has been impacted by this error and when I asked Amerihome Mortgage to send a correct statement to the credit companies I was told that they stand behind their decision to report a late payment on my account. There is much more information about the poor customer service with Amerihome Mortgage. When I initially attempted to set up payment on their web site, my account was denied by them saying I could not register for automatic payment or electronic draft on their site. I was not able to get this set up until after this incident in XX/XX/XXXX When I did get it set up the Amerihome Mortgage help advisor said " your social security number '' was incorrect in the electronic bill pay system which did not allow me to set up this account for payment. As a consumer I take my credit report and score very seriously. I was recently denied credit due to this inaccurate reporting and possibly a job that I was interviewing for in the same time period with XXXX ( XXXX ). I am looking for help in getting Amerihome Mortgage to remove the late payment statement as they for some reason did not try and process my payment until XXXX days after it would have been received. The check they attempted to process # XXXX was mailed out XX/XX/XXXX to be received by them on XX/XX/XXXX. They held onto this check until XX/XX/XXXX and because I cancelled payment on this check on XX/XX/XXXX because Amerihome Mortgage said they never received this check, it was denied by XXXX and clearly Amerihome Mortgage did receive this check. My end of year statement from Amerihome Mortgage was also impacted. I could use some assistance in getting all to this corrected.

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 2016-08-19
Company: Federal Cash Advance, LLC of Oklahoma
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had to borrow money from a payday loan-title loan from Cash Max to get my car repaired, because my credit was n't good enough to borrow from a bank or financial institution. I just want to know how they can charge the fees they charge each month. I can only pay {$300.00} a month, and {$270.00} goes to fees. I have been paying on this loan since XXXX 2016, and I have only been able to pay a couple XXXX dollars on the principle. The original loan was for {$3100.00}. I am sending you a copy of the XXXX payment for you to research. I do n't know if there is anything you can do to help me, but I have paid {$2400.00} toward the {$3100.00} original loan, and you can see what I still owe. These companies are ridiculous. I borrowed the money from Cash Max, but the actual lender is XXXX out of XXXX, OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX/ ERC : I was lied to as to the total cost of their services from day one. As their bills continued at a rate above what i had agreed to. I tried to discontinue service. I believe it took between 3 and 4 months for service to be turned off. finally they turned it off after i called and threatened law suit. 
I would like to see any and all agreements that i signed where i agreed to pay them this or or any amount of money. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It's been brought to my attention that TRANSUNION has violated my rights as a consumer. According to 15 USC 1681b ( A ) - " Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other '' One of the circumstances is 15 USC 1681b ( A ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates ''. Which means that any item of information on my consumer report can not be placed on there without my written consent, I am requesting that TRANSUNION provide me proof of my written consent ( permissible purpose ) giving them permission to furnish these piece of information. 

COMPANIES : DATES : XXXX XXXXXXXX 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 2022-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
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 is my personal statement, on XX/XX/XXXX, after I pulled my credit and we review it, I saw multiple collection accounts that did not pertain to me, so on XXXX, XXXX, I started my first dispute with the credit bureaus, unfortunately, after a month I pull my updated credit report, and they still have reporting " PORTFOLIO RECOV ASSOC ( XXXX XXXX  ) '' collection account on the XXXX and XXXX bureaus, I am now reaching out the CFPB, because I need this collection account off of my credit report because, I'm not the debtor of this alleged collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-22
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by  Stallings Financial Group o n Friday,   XXXX   XXXX    2017 at  my place of employment concerning a claim that I owed {$180.00} to   XXXX   XXXX   XXXX   XXXX   XXXX  . I spoke with  XXXX   XXXX  and explained to her that the debt had been paid previously. She stated I would have to have the practice contact her and confirm this. The practice was closed for lunch when I contacted them so I logged onto their patient portal and made the request. This payment had been made on Monday,   XXXX   XXXX    2017 by  means of my  XXXX   XXXX  for which the payment information had been dropped off in-person at the practice.     This amount had gone overdue due to the practice sending the invoice to the wrong mailing address. They had the correct mailing address but did not use it. I had not been informed of the debt until the current resident at my old address had provided me with some pieces of mail that they had received for me.     I contacted  XXXX   XXXX  by  telephone  a second time on Friday,   XXXX   XXXX    2017 an d told her that I had a copy of the   XXXX   XXXX   statement showing the payment had been made a full month earlier. I asked how I could email this to her and was told to email the scanned copy to   XXXX  , include the Item number and that they would take it from there.     On Saturday,   XXXX   XXXX    2017, I r eceived a letter from  Stallings Financial Group  demanding payment for this same debt. On Monday,   XXXX   XXXX    2017 I co ntacted  Stallings Financial Group  and again spoke with  XXXX   XXXX . She stated that they had not received the email and to resend it. I told her that I wanted a fax number to send the information to as emailing this information had not been effective previously. I called her back 2 hours later and she stated she had received the fax and that it was being " reviewed '' by her manager. I asked when I would receive a call back or when I should call them back to confirm that the issue was closed. She informed me that I should " give it a week ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I Contacted Champion Mortgage to make payment arrangements on {$5300.00} and was informed this amount needed to be paid in full. I had been sending Champion {$240.00} for back taxes .I am unable to pay the full amount being requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Rewards

Complaint:
My american express blue cash credit card is supposed to pay 5 % rewards on XXXX categories of spending at supermarkets, drugstores, and gas stations once I reach XXXX in spending for the rewards year. i reached the limit with XXXX in spending as of my XXXX/XXXX/16 billing. Since then I have continued to get only the low 1 % rewards with my XXXX, XXXX, and XXXX billings. I have called many times for the last 3 months without success. My last contact was an email stating my rewards were correct, unsigned with no callback number except for general customer service. Calls made since get only long waits, transfers, and promises to investigate all without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Rewards

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2016 Office of the Comptroller of the Currency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Office XXXX Department XXXX XXXX, XXXX XXXX Office XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : XXXX Bank Executive Office XXXX XXXX XXXX XXXX, XXXX XXXX RE : Illegal XXXX Bank Business Practices To Whom it May Concern : 1 ) In XXXX 2016 XXXX Bank refused to honor the advertised {$120.00} Power Up checking bonus. In fact, on or about XXXX XXXX, 2016 representative XXXX XXXX falsely claimed that the consumer did not meet the requirements of the offer, despite evidence to the contrary. 

2 ) The consumer applied for a XXXX Bank business credit card on XXXX XXXX, 2016. In response, on XXXX XXXX, 2016 XXXX at XXXX Bank Cardmember Investigative Services closed without cause and seized the reward points from the consumer 's XXXX existing XXXX Bank credit cards and XXXX credit card issued by XXXX XXXX Bank in the State XXXX. The consumer 's credit history is excellent, as evidenced by several targeted offers and credit line increases extended by XXXX Bank during this period. Moreover, these closures are illegal under XXXX Law : XXXX. Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so. 

3 ) As of today, XXXX Bank has neither acknowledged nor addressed the consumer 's XXXX XXXX, 2016 formal request to reopen the accounts and restore the associated points. 

XXXX bank has demonstrated a pattern of malicious and unlawful behavior designed to fraudulently deprive the consumer of accumulated cash rewards. 

Thank you for your consideration of this consumer complaint. 


Sincerely, 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 2020-03-02
Company: MARINER FINANCE, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I opened an account with Mariner finance on XX/XX/XXXX and I wasn't able to make the payments due to personal reasons and The first time they called, I offered to pay over the phone but they didn't take debit cards over the phone, only through ban account. I wasn't comfortable with that and they continued to call me continuously for a few months. After that, they ran fraudulent inquiries on my credit report which I did not authorize on XX/XX/XXXX and again on XX/XX/XXXX. I paid my bill on XX/XX/XXXX and on XX/XX/XXXX, I received a letter threatening to sue me and to pay the amount in full. I called the company and asked why they kept running inquires on my credit report and they said that they had to run it because they hadn't heard from me. I asked them to remove the inquiries and they did not, even after the debt was paid. they also made my credit score drop 116   points.

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 2022-09-09
Company: Credit Karma, LLC
State: FL
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 am a victim of the very blatant and misleading practices of " Credit Karma ''. 
On multiple occasions I was lied to and told I was 'pre-approved ' for both credit cards and personal loans. I applied and completely waisted my precious time as " credit karma '' mislead me into thinking I was pre-approved when in fact I was not. 
And to add salt to my injury, after being denied my credit score dropped by more then XXXX points!!!

Company response to consumer: Closed with explanation