BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: NAVY FEDERAL CREDIT UNION
State: NC
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 XXXX XXXX Acct. # XXXX has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: ERC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I requested my credit report and noticed I had a charge off balance of {$530.00} with XXXX XXXX. I contacted ERC which was the company who purchased this debt from XXXX XXXX and they provided me with an installment monthly repayment plan of {$210.00}. I made three payments one was made on XXXX ; the second one was on XX/XX/XXXX, and the last one was made on XX/XX/XXXX.  After this, I received a letter from collection agency stating this debt was paid in full in the amount of {$620.00}. I proceded to send XXXX evidence of the payment in full for this debt and requested them to correct my credit report for this debt to be paid in full. XXXX sent me a letter indicating this account does not appear on my credit report, but it still is being reported as past due and charge off with a balance of {$530.00}. I request your assistance in this matter, since this account is adversely affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
TRANSUNION is once again reporting my XXXX XXXX XXXX XXXX LOANS with INACCURATE information. 

I have XXXX XXXX XXXX XXXX XXXX LOANS that TRANSUNION is reporting late payments on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 

These XXXX student loans were never late. The loans were in FORBEARANCE at the time the late payments are being reported. 

I have attached the NSLDS showing the loans were in FORBEARANCE. I have also attached an XXXX report showing the LOANS REPORTING with no late payments.

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 2017-10-21
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hours at work were decreased which resulted in XXXX of loss wages per month, fell behind in mortgage, was approved for repayment plan of XXXX per month. Could not afford that, was told to re-apply for modification, was approved for modification but mortgage payment increased. How is that going to help??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
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: Account status incorrect

Complaint:
XX/XX/XXXX - I received a letter in the mail for settlement of debt that is being reported on my credit report. I have paid the agreed amount of {$240.00} to XXXX XXXX XXXX XXXX and no longer owe this debt collect. XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX sent me a " payment receipt for settlement of debt in full '' and it states that they would contact the original creditor shortly and it has be 15 days since payment. The company stated that XXXX XXXX XXXX the original owner of the debt will " in the normal course of their business, make the appropriate amendment to the credit reporting agency ( ies ), if applicable. When this debt was sold to XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, it was no longer XXXX XXXX XXXX XXXX. I have satisfied payment in FULL to the company who owns the account which is XXXX XXXX XXXX XXXX There is nothing that XXXX XXXX XXXX will report to the credit reporting agencies because they have sold the debt to another company. THIS DEBT IS NO LONGER OPEN AND SHOULD BE REPORTED AS A DELINQUENT ACCOUNT, NOR A COLLECTION 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 2017-10-21
Company: JPMORGAN CHASE & CO.
State: AZ
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:
on XXXX/XXXX/XXXX I paid the shipping cost for two 14 Day Free Trials ; one with XXXX XXXX and the other with XXXX XXXX. The amount taken from my account were {$5.00} and {$4.00}. I did not authorize any charges related to the free trial. My checking account was subsequently charged {$87.00} from XXXX XXXX and {$89.00} from XXXX XXXX for a subscription I did NOT authorize. I attempted to resolve this thru the company however they were completely uncooperative and which point I took my complaint the XXXX XXXX XXXX. The related case/claim number is # XXXX. In my conversation with Chase Bank, I advised them that not only did I not authorize this charge but also did not receive the products these two companies charged me for. They did initially credit me back per my complaint however subsequently debited the reimbursement from my account. They basically refuse to consider this a case of fraud and have refused to reimburse me for these unauthorized, and of note unreceived products. I further believe that they are further dismissing my claim as a young female.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates has reported to all three credit reporting agencies that I am delinquent on a debt in the amount of {$3100.00}. This company has reported this since on or around XXXX XXXX. I dispute the validity of this company 's reporting and request that this information be removed from my credit report with all three agencies immediately. The bases of my complaint, in summary, are as follows : 1. I never received notice from this company that they purchased this debt. The very first notification I received was in XXXX XXXX. I submitted a complaint with respect to this and the company failed to address this aspect of my complaint at all but " completed '' its investigation. 
2. This company reported to all three credit agencies that the first time I was delinquent was XXXX XXXX. I demand proof that THIS company even owned the debt at that date. They are reporting delinquency of a debt they did not own in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
While on vacation in XXXX during the first two weeks of XXXX I used my capital one credit card to get some cash advances. 

even though I paid my credit card with all fees at the end of XXXX after my return, again at the end of XXXX capital one is charging me a minimum {$.00} interest charge in the month of XXXX. 

I pay my credit card on time in fact I go online and see what the true debt is, which is much more up-to-date than the snail mail statement which I get. I actually pay more than what each bill is. 

in XXXX my bill was {$2900.00}. I actually paid {$3100.00} because that was what I could see online was my true debt. I did the same the previous month so there is no way they should charge me interest because I took a cash advance the first two weeks of XXXX. 

so in XXXX I paid off my whole bill but I did not notice in the fine print they charged me {$5.00} in interest. 
now this month which goes XXXX XXXX to XXXX XXXX they are charging me {$.00} in interest. 

this is fraud. I 'm sorry plain and simple but my bill had been paid over in above but yet they tried to make me pay first {$5.00} and then another {$.00} this month. they would 've Charging me every month forever just because I got a cash advance. 

I received resolution from capital one and they are returning me the {$5.00} but that is totally beyond the point. they are probably milking millions of people like this. something should be done, and I would like to hear back about what you going to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Absolute Resolutions Corp.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error XXXX XXXX XXXX  consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX  Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX was contacted to remove an unauthorized that they are reporting on my credit report i have advised them that my information is being used without my promission an i would like the account removed i spoke wit XXXX ID # XXXX i was advised if i supply my identity theft report, then the account would be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX was contacted to remove an unauthorized that they are reporting on my credit report i have advised them that my information is being used without my promission an i would like the account removed i spoke wit XXXX ID # XXXXand i was advised if i supply my identity theft report, then the account would be removed from 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 non-monetary relief
Consumer complaint received 2017-10-21
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent {$260.00} to someone with an unconfirmed email. The transaction is pending. I tried to cancel the transaction. But the agent in the XXXX, said I cant cancel until the other party confirms their email or 30 days. I do not understand why that should impact me canceling. Paypal is sitting on my money. He said it was the process and his manager would say the same. He then put me on hold for over 20 minutes. I gave up and hung up. This policy likely makes Paypal a lot money on interest on me and others because of this practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX this company pulled my credit and I did n't authorize this company to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: ACOPIA CAPITAL GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I first tried to do conventional, however the home is in XXXX XXXX XXXX and has to go FHA for whatever reason. The first Loan place, XXXX- XXXX XXXX XXXX NMLS # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX phone XXXX did the appraisal. this lender could not do FHA so i had to go thru a different lender. XXXX XXXX NMLS # XXXX Loan Processor XXXX XXXX XXXX, XXXX. NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Phone : XXXX XXXX. XXXX Fax : XXXX the first lender did the appraisal and refuses to give to the new loan officer.  and FHA will only take the first appraisal so i can not have another done. XXXX XXXX is trying to wait as long as possible to make me loose this house as my closing date is X/XX/2017 and if he does not hurry up and turn over the appraisal i can not get everything done it time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I just received an updated copy of my XXXX credit report. They have an account that I have been disputing " XXXX XXXX XXXX XXXX " it is showing as an adverse account and is reporting as " account included in bankruptcy '' I NEVER filed for bankruptcy this information is completely wrong. I am submitting this complaint about XXXX because I have been asking them to please correct this wrong false information and remove it off my report. I 'm getting nowhere. Bankruptcy should not be reporting when I never filed for chapter XXXX nor chapter 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 2022-05-02
Company: ALLY FINANCIAL INC.
State: IN
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:
Our bank ( Ally Bank ) notified us of a transaction ( XXXX via debit card ) on XX/XX/XXXX in the amount of {$1500.00}, which was the result of our credit card number being stolen. On XX/XX/XXXX we immediately reported the fraud to our bank, which required us to wait until the transaction posted to actually file the claim. 

We filed the claim, and was advised the timeframe to completion was 90 days. We were not given a credit during the time they were doing their review, so our family was out {$1500.00}, while XXXX and Ally were investigating. 

Ultimately, XXXX and Ally came to the determination that the transaction was authorized ( even though it absolutely was not ). We have been in contact with XXXX who will not release information to us, and only the bank. Our bank is telling us XXXX will not issue a credit to our account. 

Ultimately, this was an unauthorized transaction, and we should not be held accountable for fraud. I believe both XXXX and Ally are at fault here - due to XXXX falsly claiming this transaction as an authorized transaction, and Ally for not properly advocating for their consumer and not properly crediting our bank accounting for the unauthorized, fraudulent transaction. 

I have attached notices sent to us by Ally related to this dispute. We have made multiple phone calls, and written inquiries to Ally- you may need to ask them for copies of those interactions. We have also asked for any and all evidence related to this claim, which they ( Ally ) has failed to supply.

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 2017-06-30
Company: DISCOVER BANK
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX my wife and I took out a first lien heloc loan with XXXX XXXX and XXXX to pay off credit card debt. One of the 3 cards to be paid Discover now claims not to have been paid. 9 years later a debt collector XXXX XXXX XXXX is trying to collect on this debt which started out at {$9000.00} and has grown to {$24000.00} with a default judgment that should be vacated because it is part of a secure loan I have been paying XXXX for the last 10 years. A mn attorney general 's office rep from the consumer services division, XXXX XXXX, has asked XXXX XXXX and XXXX XXXX XXXX to honor the hud1a statement which they have been sent a copy of that clearly states they have been paid. Please help quickly as we can not afford to pay a {$500.00} a month mortgage payment, a {$500.00} a month loan payment, and having my check garnished 25 % a week totaling over a {$1000.00} a month. XXXX  seems to have no interest in helping resolve the issue as we have made several attempts to contact them with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Block, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
XXXX I received email notifications that a payment of {$1000.00} and a payment of {$22.00} were deposited into my CashApp account by XXXX XXXX ( one of my tenants ). 
XXXX I attempted to transfer the funds from CashApp to the XXXX XXXX account I have linked to the my CashApp. I was not able to and couldn't figure out why I was not able to like the countless times I've done it in the past. Not knowing what else to do I deleted the first CashApp account entitled $ XXXX and replaced it with a new CashApp account entitled $ XXXX. 
XXXX Called CashApp customer service and spoke with 2 different representatives. After staying on the phone for close to an hour and giving all information they requested- Legal name, DOB , phone number, email address, last 3 digits of the XXXX XXXX account and last 4 digits of my SS, the end result was the same. Each time the customer service representative replied : " I am sorry but I am not authorized to make the transfer due to security reasons. '' I told both reps I would be happy to answer any other security questions and they did not respond. I then requested to speak with a supervisor and both times I was told : " There are no supervisors to speak with currently, but I will escalate this to that level and a supervisor will contact you via email. '' As of present, no emails received from a supervisor. 
XXXX Called CashApp again in hopes of resolving the issue and the same response was given to me. " No authorization to make this transfer due to security regulations ''. " No supervisor available and a supervisor will contact you via email ''. Still no email from a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-01-11
Company: Lending Club Corp
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I would like for the LENDING CLUB to remove ACCOUNT # XXXX because it is showing {$0.00}. The account balance shows {$0.00}. As of date, this account is reportedly inaccurately on my report. I am asking that you do this now. I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt be immediately stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I just received an updated copy of my XXXX credit report. They have an account that I have been disputing " XXXX XXXX XXXX XXXX " it is showing as an adverse account and is reporting as " account included in bankruptcy '' I NEVER filed for bankruptcy this information is completely wrong. I am submitting this complaint about XXXX because I have been asking them to please correct this wrong false information and remove it off my report. I 'm getting nowhere. Bankruptcy should not be reporting when I never filed for chapter XXXX nor chapter XXXX.

Company response to consumer: Closed with explanation