BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-14
Company: Azcar Capital, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Re : XXXX Bank / Unlawful Credit Card Debt Collection Practices. Due to a loophole through the court system and a XXXX bank credit card charge-off in 2009 for {$6400.00}, I have been issued a wage garnishment now totaling {$14000.00} through a debt company AZCAR Inc. After a long effort to prove unlawful judgements, deceptive affidavits, debt flipping and AZ interest rate violations, my motions to vacate the case have been denied. 
AZCAR Inc. had failed to provide acceptable documentation and disclosures of debt ownership but it was disregarded and/ or ignored by the courts. Also, some spreadsheets provided by AZCAR resemble " robo-signed '' copies of uncollectable debt transfers. The '' so-called debt '' was passed along through various debt collectors through incomplete bills of sale. 
I have also been affected by inaccurate and duplicate debt accounts by credit reporting agencies. This has affected my ability to obtain credit, financing and possible employment in the past years. Collection Information about the debt left an impossible burden of challenging the errors. Now, the {$500.00} a month garnishment has also caused financial hardship. 
The successful debt collection lawsuit against XXXX bank proves wrongdoing by AZCAR Inc., debt buyers and the bank. The repeating many times over of resale of debt, often for pennies on the dollar, is excessive. 
I will include in this complaint, various court documentation, unsuccessful debt verification and credit report documentation. If any other documentation is needed, I can supply this on demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my updates, incorrect information is being presented to my personal credit file. The Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received the following text message stating my account was being locked and instructing me to contact a web link. 

WELLS-FARG0 : Your account has been temporarily locked for security reason. Verify here : XXXX XXXX XXXX XXXX  This is the phone number the message was sent from. ( XXXX ) XXXX. 

We have no financial accounts or contacts with Wells Fargo.

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 2022-02-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When I attended XXXX XXXX  from XXXX XXXX XX/XX/2007 I had taken out several loans. However, in 2007 I had taken out loans that XXXX kept and never returned after I had left and graduated in XX/XX/2007 over {$10000.00} in private and government loan money. It appeared in my student loan history on XXXX XXXX XXXX XXXX XXXX at the time but now its on XXXX. After graduating I had caught the fraudulent act in XX/XX/2007. I called XXXX XXXX  XXXX XXXX XXXX at the time and explain the situation and asked XXXX XXXX  to return the loan money since I was no longer a student there but rather a alumni. At the time, the Financial Aid Director at XXXX XXXX  promised he would return the loan money that XXXX XXXX  illegally kept after I had graduated but never did. Can someone please help me investigate this situation?

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 2022-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, on XXXX XX/XX/XXXX I called my bank to ask why in their app does it say my card is restricted. They told me my account was closed. I had received no email, letter or call. I asked why and was told due to " fraudulent '' activity. Even though 99 % of the time I use my credit card to pay for food the 1 % on movie providers. They said that it's due to returned payments even though the bank initiated it. Even though I did have money in my account waiting to be taken out by the credit card company to pay my bill, in which i pay my bill ahead of the due date but also on the due date because I get charged for XXXX XXXX. I assume they waited too long to take the money but I always made sure there was money in my accounts. This has caused me too much stress and confusion. My credit will be ruined and It will take awhile for another bank to even allow me to get a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 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 explanation
Consumer complaint received 2020-12-10
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was noticed on XX/XX/XXXX about a debt with Comenity Bank. I answer my phone on my way to work. When the person told about my debt, I told her I don't have any account with Comenity bank. She asked me if I have a Victoria 's Secret credit card. I said yes, and she explained that card is managed by Comenity Bank. I told her I didn't buy anything recently at VS, so I immediately though it was a fraud because she asked me to pay a minimum by phone. I told her I will call them back when I was at my office. After I entered the VS card website I noticed my last transaction was on XXXX. I had to pay on XX/XX/XXXX {$110.00} and I paid it on XX/XX/XXXX. This generated a {$29.00} late fee on XX/XX/XXXX and an {$2.00} interest charge on XX/XX/XXXX. I never received any notification of this, even when they have my mail address as they recently send me two new credit cards ( I didn't ask for them ) They also have my email. On XXXX they charged me another late fee for {$33.00} and {$2.00} interest charge on XXXX. On the XXXX Statement they charged me again {$36.00} late fee on XX/XX/XXXX and {$2.00} interest on XXXX. The new balance that I am supposed to pay after of these fees was {$100.00} due on XX/XX/XXXX. 
When I call them back on XX/XX/XXXX, I explained to them I wasn't aware of my debt. I just checked my account and saw all the late payment fees. I told them I didn't receive any statement, and the only notice that I have was the lady that called me in the morning. I didn't agree on paying lates fees and interest over a late fee. I agreed to pay just the first late fee and interest and settle the debt. When they agreed to that, so I agreed with them to charge my XXXX checking account for that amount. XXXX XX/XX/XXXX I received a notification that my credit score was affected ( it's XXXX points lower ) because I was in delinquency with this bank. I called them again, and I spoke to another person. They told me I still have a debt that I can pay in installments, When I asked them what happened with my settlement they claimed they didn't have record of that. I told them that was very unfortunate, but since this was affecting my credit score I agreed to paid the remaining amount ( {$66.00} ), and I also closed my credit card. This time they gave me a confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We deposited a check for {$1700.00} on Friday night ( XX/XX/XXXX ) using the Chase Mobile App, which was for items we sold to the buyers of our house. On XX/XX/XXXX, the buyers stopped payment on the check. So even though we presented the check BEFORE they stopped payment, the bank still withdrew the funds away from us and did not honor the {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Home Point Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
HomePoint Financial - XXXX XXXX XXXX, XXXX, TX XXXX. Loan # XXXX I have been making monthly payments, with additional principal via web. In addition, the administrator of my investment account has been sending checks for {$10000.00}, clearly labeled " Principal Payment Only '' for several months. HomePoint continually applies that {$10000.00} to my monthly payment amount for the current month and the next month ( which then results in me being prohibited from using the online system to schedule a payment for those months ). HomePoint claims that they need a paper coupon to apply the payment to the principal, that the payments are automatically processed ( which makes NO SENSE because a computer is not reading handwritten coupons, that is for sure ) and without a coupon they can not manage the request. They refuse to supply additional coupons and cite a nonsensical policy that only one coupon per month will be issued. 

HomePoint admits that they changed their policy in XX/XX/2021 so that any additional payments are applied to the current and next months ' payments. They made this change with NO NOTICE to the borrowers. 

This is a clear attempt to prolong the duration of the loan, to collect interest on money that is sent to them for principal while ALSO allowing interest to accrue on the loan itself. They are underhanded, dishonest and are harming American consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX I was issued 2 TJ Max credit card back to back unaware that happened occasionally I would log on for any balance due and notice that there was a XXXX balance on my card ending in XXXX. By XX/XX/XXXX I realized that the card ending in XXXX had a balance of {$440.00} which was paid immediately now in XXXX my credit report is ruined because TJ Maxx closed my card for interest owed a {$14.00} which I was not aware of. TJ max closed my card without making me aware of it. I now lost the opportunity to have a credit score higher than XXXX I told them that in XXXX of XXXX I contracted XXXX  but they did not care I spoke to a XXXX  who told me the best they can do is take off my late fee which will not help my credit score but he will have it taken off but as far as them closing the account there's nothing that they can do about it.

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 monetary relief
Consumer complaint received 2016-12-12
Company: Midwest Recovery Systems
State: MD
Product: Payday loan
Issue: Can't contact lender

Complaint:
I have received phone calls at my home and place of business advising me that I was scheduled to be served with a warrant for my arrest with regards to a phantom debt for a payday loan that I did not initiate. In checking my XXXX ( XXXX ) credit reports, the collection agency has notified the credit bureau 's to the phantom payday loan and my credit score has fallen XXXX points. I have notified all three ( XXXX ) credit bureau 's with a dispute request. I took the liberty to research this agency and discovered that other consumers are being charged for the same phantom payday loan. Presently, I am in the process of retaining an attorney to file civil and criminal charges against this business once,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This a addition to the report already filed, incident # XXXX. I am attaching another letter show that I was denied a credit card because TransUnion had deleted all my trade lines making it seem like i had no credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2021 XXXX XXXX reported I was 30 days late on my credit card. I spoke with the bank who acknowledged they were experiencing systems issues, but assured me they would immediately address my complaint, the bank rep also advised my to dispute the late payments through the credit reporting agencies. I called Transunion, XXXX, and XXXX. They all conducted and investigation and all determined there was an error in reporting the late payment. All three agencies undated my report and removed the late payment. 

Transunion then began reporting the late payment again after it had already been updated and removed. I called Transunion to inform them that inaccurate late payment had returned to my credit, the representative stated I had to submit another complaint, I asked to speak with a supervisor, and was transferred to Mr. XXXX XXXX who identified himself as a supervisor for Transunion. Mr. XXXX  acknowledged the late payment was once removed and Transunion could not control the bank making the same mistake over again. I advised Mr. XXXX it was not appropriate to report inaccurate information on my credit and their investigation concluded the late payment was not accurate. I informed Mr. XXXX I would escalate the complaint to the CFPB, he showed no concern and advised me by stating " do what you have to do ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Experian Information Solutions Inc.
State: PA
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:
i have hard inquiries that appeared on my credit report across all three credit bureaus XXXX, XXXX, Experian on various different dates. I have contacted all three bureaus by mail about this incorrect information on my report. All three bureaus replied stating that it was my responsibility to investigate these creditors & matters individually. 

( XXXX ) XXXX XXXX - inquiry from XX/XX/XXXXXXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ( Experian ) XX/XX/XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry fromXX/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 explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here are the lists of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-04
Company: Experian Information Solutions Inc.
State: GA
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 reviewed my credit report and I noticed that XXXX XXXX was reporting. I have never signed a contract with XXXX XXXX. If there is a contract in place, then someone at the Dealership forged my signature. I never purchased any vehicle from XXXX. Please assist me in getting this account removed from my credit file. This account is showing on all 3 of my credit files.

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 2022-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received the attached settlement letter from XXXX XXXX XXXX XXXX ( XXXX ). I owe nothing for 3 reasons. I never had possession, fraudulent loan, BUT at a minimum, if XXXX had done their job as a professional company, we would not be talking today. XXXX and Experian did not have permission to access my private credit report. See attached application / permission sent to me by XXXX as reason for accessing my credit report. It is incomplete and should have not been processed AS IT EVEN STATES AT THE TOP OF APPLICATION! It is incomplete and undated. Experian can waste my time and their time by punting this to XXXX who will deny deny deny. XXXX will not admit an error and would rather extort a settlement from me. XXXX is making as much money as possible since they made a mistake. XXXX dangles poor credit over consumers heads.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I reported this bank once already. And how their app had a setting to allow overdraft. And that the default seeing is TO ALLOW overdrafts on a DEBIT CARD. which I feel is intentional fraud with the {$50.00} overdraft fee and the {$15.00} maintenance fee. So I changed the settings to STOP OVERDRAFTS. AND yet US BANK authorized 2 transactions that there was not enough money in the account to complete. And in believe it was a incredibly small amount over. I think under {$1.00}. BUT THEY HAVE MY ACCOUNT AT A NEGATIVE - {$83.00} for overdraft and maintenance fees. Even after I reset the default overdraft setting.

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 2015-07-16
Company: BlueChip Financial
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am filing a formal complaint against XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, IL XXXX. This company is attempting to collect a debt that I do not owe. XXXX is falsely accusing me of not fulfilling a contractual obligation with SPOTLOAN ( PAYDAY LOAN ). I have never heard of this entity and have not done any business with neither the debt collection agency nor the creditor. 
I am not sure how this entity has obtained my information but I can assure that I have never applied for a payday loan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation