BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

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 2022-10-28
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company Shellpoint XXXX has been misapplying my payments. I get paid once a month on the last working day, therefore I pay my mortgage early. I spoke to a lady named XXXX on XX/XX/XXXX and she advised they were misapplying my payments. I have tried to rectify this however they hang up on me, transfer me or supervisors and managers promis to call me back. Supervisor XXXX was supposed to call back on XX/XX/XXXX but did not. It was then escalated to manager XXXX on XX/XX/XXXX. She said she would review the account and call within 24 hours. That did not happen either. Meanwhile, my account is getting further and further behind while they do nothing. Because of this I've spoken to my attorney about giving my house up because I can not deal with this company. However the payments I have paid I still want them applied correctly. I asked if I could speak to someone over Manager XXXX but supervisor XXXX didn't seem to know who that was.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
While living in XXXX in early XXXX, I received a collection notice for a hospital bill for XXXX ER visits that was addressed to someone with a different spelling of name for my son. I called the collection agency and informed them that my son was not in the state of XXXX for the first visit date and the debt did not belong to my son. I then called the hospital to inform them of the error and the debt did not belong to my son. My son, who was back in XXXX, drove XXXX miles to the hospital to provide his ID to prove he was not the person on the debt. I was told they would correct the issue, but it was not corrected and I continued to receive collection letters and phone calls. Each time, I notified ARS ( Account Resolutions Services ) of the error. On XXXX XXXX, XXXX as instructed by ARS, I sent a letter with a copy of one of the collection letters informing them of the error and to cease and desist collection from my son. I continued to receive collection notices so in XXXX XXXX, I reached out to the hospital 's parent company 's compliance department and spoke with XXXX XXXX. She said she would investigate and on XXXX XXXX, XXXX I received a letter from their financial department stating it was verified the debt did not belong to my son and the credit reporting agencies were notified. XXXX assured me that the records were corrected and the collection agencies, including for the physician bills, were notified of the error. All was quiet until XXXX/XXXX/XXXX when I again received a collection call from ARS. ARS was notified on multiple phone calls that this debt was not my son 's and in writing on XXXX XXXX, XXXX and to stop collection on this account. ARS has violated my son 's rights by refusing to remove his personal information from their records and to stop collection efforts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2022, I closed a secured credit card, named XXXX XXXX, with Citibank. At the time of closure I requested my deposit of {$2500.00} be returned. On XX/XX/2022 I received a letter from Citibank confirming the closure of the account but was informed Citibank would retain my deposit for 21 days per Citibanks policy. Under Regulation DD, 12 CFR 1030.2 ( a ), once the account is closed the {$2500.00} would be considered a depository account and are subject to Truth in Savings Act regulations. Per12 CFR 1030.2 of the Regulation DD, these funds are required to accrue interest until the funds are withdrawn from said depository account and returned to the consumer. I contacted Citibank on XX/XX/2022 at XXXX PST requesting either the accrual of interest or an immediate withdrawal and refund of the {$2500.00}. I spoke with a supervisor by the name of XXXX who refused to do either. I purport Citibank has used my funds for their institutional investment purposes and as such are benefiting from retaining my deposit for 21 days. Therefore the full regulations under the Truth in Savings Act apply and Citibank must comply.

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 2022-10-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I OPENED A CREDIT CARD ACCOUNT WITH CHASE IN XXXX OF THIS YEAR ( XXXX  ) ; AND SINCE THIS TIME CHASE IS REPORTING MY MAIDEN LAST NAME ON MY ACCOUNT AND NOT MY LEGAL MARRIED LAST NAME. I HAVE SUBMITTED ALL REQUIRED DOCUMENTATION AND CHASE WILL NOT UPDATE MY LAST NAME CORRECTLY. EACH TIME I CALL OR GO INTO A BRANCH A REPRESENTATIVE TELLS ME THAT MY LAST NAME HAS BEEN UPDATED AND IT ALWAYS REVERTS BACK TO MY MAIDEN NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was contacted by an individual to purchase my vehicle. The person sent a personal check that was held and then released by my financial institution. After this money was released into my account, the funds were then transferred to Capital One to pay off the remainder of the loan. 
Once the loan was marked as paid off, the bank contacted me that the check was fraudulent and that the transaction would not be honored. If Capital One does not stop the payment, I will be sent to collections for the amount of ~ {$17000.00}. XXXX XXXX XXXX informed me that they attempted to stop the transaction but were unable to. Capital One informed me it will take 3-5 business days to stop the transaction and re open the account, so I should not be responsible for the fraudulent check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: PENTAGON FEDERAL CREDIT UNION
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:
Incorrect information being reported. Privacy Act improper use of information. Never informed that I had a right to Opt-Out from my information being shared. The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; Was issued a cease and desist and continued to harass me for 3 months. Have several emails, voicemails and text messages

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 2016-02-18
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Memorial Day 2015, our home was flooded due to a declared national disaster. Since then, Flagstar Mortgage has received well over {$170000.00} in insurance funds. I submitted documentation to pay the mitigation company and eventually had a check issued for {$28000.00} to that company. Leaving +/- {$140000.00}. We have processed no other claims. We had a contract to sell the house. I called Flagstar to get a payoff requesting they take the insurance proceeds and apply that to the principal. They refused to do so. As of yesterday, the loan has been paid in full, and when I called today to find out when I will receive the {$140000.00} of funds from the insurance proceeds. I got switched around between the insurance claims area to the corporate office and neither can tell me the process. They also will not wire me the funds but instead insist on mailing me a check for this amount which I find unsafe and unreasonable. The loan was paid off prior to the date on the payoff letter. I asked how much of that interest would be refunded to me. They also could not tell me that because although they received the payoff via wire on XXXX, they do not have to credit the account for 48 hours. They are making an additional few days ' interest off of me although they have the money. 
I was told when I first called the mortgage company days after we flooded that insurance funds would receive interest on the insurance funds. Now they are telling me they are not required to pay interest on these funds that they have held for many months. The people I speak with have no understanding of how their own company works and no interest in helping. They are sitting on this amount of money for no less than 8 months and do n't pay interest although they said they would?! Ridiculous. They want to mail a check for XXXX? Ridiculous! Ca n't tell me when they will even mail the check! 
In addition, I told them they would need to mail the check to our new address and they said they will only mail it to the house that is now sold. I DO N'T LIVE THERE anymore! I sold the house! I feel like I am intentionally being run in circles just so they can keep the money for longer. I am sure they are earning interest on 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 explanation
Consumer complaint received 2022-10-28
Company: CCS Financial Services, Inc.
State: FL
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:
TODAYS DATE : XX/XX/XXXX CREDIT COLLECTION SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX, XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  ) XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) 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 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 explanation
Consumer complaint received 2015-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Arbitration

Complaint:
Capital One has intimidated and harasses me and are trying to extort over $ XXXXCapital One was informed I was in bankruptcy and they would be paid via bankruptcy, days before the hearing date they went to local court the get a lien on my home knowing the lien search world not find the lien on the bankruptcy hearing date. On the hearing date they had no abjection the discharge and did not disclosed the lien. I am selling the home now a short sale only to find the lien is still in affect after they got paid. what a great scam!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The bill was paid and the equipment was turned in but then I saw that it was on my credit and I called and they said the equipment was not returned and I finally spoke with someone and they confirmed that it indeed was returned and that it would be handled but it wasnt and it is still on my credit and every time I call someone says something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Upon receiving my statememt I saw charges made on my XXXX XXXX XXXX  that were made without my permission and in XXXX, Again I did not use or authorize purches made on or around XX/XX/2022 & XX/XX/2022 in XXXX these charges are fraud not made by me. I reorted my card lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was denied an extension of credit by CAPITAL ONE AUTO FINANCE on ( XX/XX/2022 ) and on XX/XX/2022, I applied for an auto loan. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I had disputes sent out on XXXX and never got the reply within the 30days that they are supposed to send the results. I called and they said they never got anything since XX/XX/XXXX which is a flat out lie, because I have other letters dating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, and XXXX 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 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 2022-10-28
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
On XXXX XXXX, my husband purchased a {$100.00} Vanilla Gift Card at XXXX XXXX. The next day I went on our insurance website to pay the bill and the card kept getting declined. So I went on VanillaGift.com to check the balance, and it stated that there is a pending online transaction at XXXX. My husband called the number on the back of the card, the customer service representive said to wait XXXX. Which we did, and got the same response. We have contacted the company a bunch of times, and nothing is getting resolved. I have sent a letter and an email to Incomm Inc about this issue. I am XXXX and on a fixed income. Please help us. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to I.C. System Inc. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by I.C. System Inc. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of I.C. System Inc.

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 2016-02-09
Company: Paypal Holdings, Inc
State: DC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
My Paypal account was somehow switched to PayPal Credit account last year. I do n't recall requesting this credit and I never authorized PayPal to start billing my PayPal purchases to the PayPal Credit. I was not paying attention to how this was being billed, and never got any monthly statements for this new credit product. Last week, I was sent a bill for my PayPal Credit balance, and it was very high, but I just paid off the balance. 
I think you should advise PayPal to NOT unilaterally switch customer payment options to Credit. It should be very clear that customers are now paying with credit rather than directly debiting from their bank accounts. I believe this was a predatory lending practice and I am sure other consumers have been tricked into using PayPal Credit against their wishes. 
Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief