BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collector Receivables Performance Management violated the FCPA by violating Regulation F. This company failed to make contact with me first nor notify me by mail, call, or email of this debt prior to contacting the credit bureaus. Regulation F states that collection agencies must contact debtors before contacting the credit bureaus and Receivables Performance Management failed to do so.

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 2018-12-11
Company: Experian Information Solutions Inc.
State: NY
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 is reporting my credit limit is {$600.00} I disputed it with them because my credit limit is {$1000.00} they still have not fixed it. My balance is {$620.00} so it looks like Im over my credit limit which Im not.i am uploading a letter I requested from XXXX as proof of what my credit limit is.

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 2017-04-14
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I opened a GAP in-store credit card in XXXX. I made all my payments and maintained the card for many years. Then in Fall XXXX, GAP told me that I needed a replacement card. When the card arrived it was a VISA card, not an in-store card. I contacted them to explain that I never signed up for it and that I wanted my regular card back and they said that they had " upgraded '' me and that it was not possible to revert without cancelling this card. Understanding that cancelling my card would affect my credit rating I did n't do it. I know hold VISA card that I never applied to and am afraid to cancel. Please help.

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 2017-06-14
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: Public record information inaccurate

Complaint:
I am buying a house so I 'm applying for a housing loan. On  XX/XX/XXXX , the financial institution 's representative processing my housing loan, run and printed my credit report from TransUnion. On that credit report, the credit card account with   XXXX   XXXX    Card  ending   XXXX    has a statement/comment that says : INCLUDED IN CH   XXXX    BANKRUPTCY, however, this is NOT TRUE because this account was not included in the bankruptcy, it is still open and monthly payments are made. I called   XXXX   XXXX   and they said that the statement is not appearing on their report to the credit bureaus & they do n't know about the bankruptcy statement.   XXXX   XXXX   sent me a letter to confirm that this account was not included in the CH  XXXX  bankruptcy. I called   XXXX   and they said that the comment/statement is not showing on my credit report. I checked my credit report on the website of TransUnion, last  XX/XX/XXXX  and this is where I found the comment on the   XXXX   XXXX   card account that this account is " included in the CH  XXXX  bankruptcy '', on my credit report. This comment makes it appear that I filed another bankruptcy in   XXXX   and it is still open and because of this the financial do not want to approve my housing loan application unless TransUnion corrects the report. This is causing the delay in the loan process and the seller wants to cancel the acceptance of the offer. There is a chance that I might lose the opportunity to buy the property if this do not get fixed in right away. I filed a dispute on the credit report online in TransUnion 's website, last  XX/XX/XXXX  and was instructed to send supporting documents to their   XXXX   XXXX   addres and which I did as soon as I got off from work. I sent it thru overnight mail last  XX/XX/XXXX  and they said TransUnion wil receive it on Monday,  XX/XX/XXXX  at   XXXX   XXXX  . Yesterday, XX/XX/XXXX , I called TransUnion to follow up that status. The customer representative said that they have not received the documents yet and I asked her if I can fax the documents so they review them. I asked for the fax number & was instructions on what to put on the fax cover. I followed the instructions and faxed the documents right away. Today,  XX/XX/XXXX , I called TransUnion to follow up if they received by documents I mailed and faxed. I spoke with the customer service representative, his Supervisor and the Supervisor 's supervisor and they keep on stating that they will investigate and will take time. I keep on explaining that I do n't have much and that there is a chance that I 'll lose the opportunity to buy the house I want just because of the incorrect 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 2019-10-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The first time I have ever received a phone call from IQ Data International, it was regarding a bill from an apartment from 5 years ago so I was completely shocked and not familiar with the account. This apartment I broke the lease in 2015 due to my youngest brothers passing due to XXXX XXXX, I wrote a formal letter to the apartment complex in advance to let them know I was relocating back to my hometown. The lady called me broke, told me I was a liar, threatened to call my mother ( co-signer ). I had an XXXX XXXX and have been very shaken when this company calls my phone. Today, I received another phone call to follow up from me calling in yesterday to get more information on the account ( which I am planning to handle ) again, I was spoken down to, threatened and leaving work because of my XXXX again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
Wells Fargo Dealer Services refuses to fix the error on my credit reports. I tried calling XXXX XXXX on XX/XX/XXXX@ext.XXXX was unable to speak with him personally. In a previous response XXXX XXXX replied that the credit reporting was reported delinquent because WFDS did not receive a XXXX payment when in fact a payment was made on XX/XX/XXXX ( XXXX ). 

My monthly payments were due on the XXXX of each Month with a late fee being added if payments were not received by the XXXX of the following Month. 

XXXX payment was made XX/XX/XXXX BEFORE it was late 30 days. These final payments were being made to PAY OFF this loan! 

When I made the XX/XX/XXXX payment the loan amount due was {$450.00}, I was unable to pay that amount in its entirety therefore I paid a little more than 1/2 of that amount on XX/XX/XXXX in the amount of {$240.00} with the final payment on XX/XX/XXXX in the amount of {$210.00} WFDS reported to the 3 credit reporting agencies for the Month of XXXX ( pays as agrees ) but n XX/XX/XXXX 60 days past due. In XXXX eventhough they in fact received a payment of {$240.00} they reported my account 90 days past due and 90 days past due in XXXX eventhough WFDS received a FINAL payment of {$210.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I'd Really like for Equifax to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My complaint is with Chase Bank. My accounts were hacked and after my online accounts were frozen, someone continued to access and use my accounts. My savings account had monies in it and then someone accussed it, took money out without my authorization and deposited money into the account and then took money from the account that was not there. That caused a large overdraft of monies that I didn't and don't have. Now the bank has seize my Social Security and XXXX monies telling me that I owe and will seize those funds to pay off an account that was used without my authorization. I have appealed to Chase, but they tell me I owe that money and has affect my new account with XXXX XXXX. I am due to recieve a large amount of money and because of what Chase has done the money is on hold. Being on Social Security and XXXX XXXX, I don't have the funds to at least clear this up. I feel like that Chase Bank is extorting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: SC
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 XX/XX/2021 I received an email from Capital One stating that the company was reversing transactions and needed verification. I immediately called Capital One and informed them that I had not authorized any reversals of any transaction on my account and wanted to at that time report fraud on my account. Capital one bank then informed Me that my account would be frozen and an investigation would begin. I then received another email from Capital One on XX/XX/2021 stating that my account would be closed. I again immediately called Capital One and asked for more information. I was asked if I had traveled outside of the country as the reversal request on my account came from XXXX, I informed them that I had not and did not even own a passport. I was then told that the investigation into the fraud claim on my account was still active and that my account was still frozen but in the light that this was determined as fraud my account would be closed. I asked about my direct deposit from my employer as I had that set up and be getting paid within the next 2 days and was informed that it was not an issue. Capital One stated that once my paycheck was deposited I would have to call them back, have them release my funds ( as my account is frozen ), go to an ATM ( No Capital One branch in Massachusetts ), withdraw all my funds and then they would continue with their investigation/closing of my account. Capital One then stated that they were going to return/refund the funds that they had already reversed on my account due to me making the claim of fraud. I noticed today XX/XX/2021 that I still had not received my paycheck into my account, I called Capital One and was informed that Capital One kept my paycheck claiming because of the funds they released/reversed those transactions to the fraud person in XXXX. I asked how that was my issue and was told that Capital One needs it money back. When asked to speak to a supervisor I was denied and told that my fraud claim was closed and so was my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, my husband and I called a loan officer from Freedom Mortgage. She asked us many questions in order to preapprove us for an FHA loan. On XX/XX/XXXX we received a preapproval letter for the FHA loan. Since we are first time homebuyers, we were not aware she was supposed to have asked if we are citizens/ permanent residents or about our ethnicity. Neither question was asked. 
On XX/XX/XXXX, our loan officer declined our call of concern when we saw the documents included incorrect information because she was playing virtual XXXX. We contacted her assistant the following day to correct the citizenship status, the listed ethnicity of my husband, and inquire if the FHA loan was still an option. We told her our own research showed we would have to change the loan type. She assured us she had recently completed a loan with the same status. Our interest rate was locked with with FHA loan on XX/XX/XXXX. On XX/XX/XXXX, our loan officer informed us we did not qualify for FHA due to the reasons we told them back on XX/XX/XXXX. 
On XX/XX/XXXX, I asked my loan officer if we needed a different lender due to our need to close on time. She told us there would be no problem and that the loan was almost done. 
On XX/XX/XXXX, during a call with our loan officer, she told me our loan was still not done, but the latest we would have our keys would be Friday, XX/XX/XXXX. On XX/XX/XXXX, we were made to take an educational course due to being first time homebuyers. We were told back on XX/XX/XXXX that we did not have to take the course. My loan officer told me her manager would be sending us a {$75.00} money order due to the inconvenience. We signed paperwork with the notary on Saturday, XX/XX/XXXX and were not able to receive our keys until XX/XX/XXXX. My husbands ethnicity was still incorrectly recorded. He was listed as XXXX XXXX even though he is XXXX. 
I was promised a resolution by a branch manager on XX/XX/XXXX, and after multiple email requests, I have had zero communication from him since XX/XX/XXXX. 
The entire process was a nightmare. We were lied to by every employee that we had contact with. There was negligence during the preapproval process, incorrect information recorded intentionally, and consistent promising of a loan closing date that didnt come to fruition.

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 2022-03-31
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was opened from XXXX XXXX  which is now be handled by Midland Credit Management. The account was opened on XX/XX/2019. The balance owed is {$470.00} I contacted them and told them it was a fraudulent account and I need it to be removed from my credit report. They said I only way is to pay the money and it would be removed in 4-5 months. This a identity fraud not sure if the account was opened online or in person I cant get any information. I disputed this several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This account has been in dispute since the day it was placed into negative status and eventually into collection and subsequently sold to a third-party collection agency. As with millions of other Americans, when the plandemic hit our country in early 2020, I entered the ranks of the unemployed. I applied for every available avenue of unemployment but was denied every single time. Therefore, I had zero income and was forced to rely on any savings I managed to accumulate. 
During the time of my financial struggle, I was in constant contact with this credit card issuer advising them of such. I continued to make small payments although those did not even amount to the required minimum on the debt. To make matters worse, this shady credit card issuer, Citibank, took my existing balance and although my credit limit was very much higher than my balance, my limit was lowered to far under my existing balance causing the card to appear as if I was over limit, which I was not. This is a very unscrupulous, shady and consumer fraudulent tactic to enble credit card issuers to sell cards off for a loss. This is what I am filing a lawsuit and complaint with the FTC for against this institution.I am looking for this credit card debt to be dismissed as I was denied the time I requested to make payments and then eventually pay it off. As you can see by pulling my credit report, my credit prior to this isolated incident was perfect. That they used an underhanded tactic to claim credit card customers were over their limit when in fact they were not, should be grounds for severe penalties and sanctions.

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 2020-05-11
Company: EQUIFAX, 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:
XXXX, Equifax and XXXX are reporting a closed paid account on my credit as closed with a balance. I settled this account and it is closed and paid and needs to be removed because it is negatively impacting my credit score. 

XXXX XXXX XXXX amount {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: CITIBANK, N.A.
State: CA
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:
Citi Cards, I.e. Citibank changed their policies and used their dominant market position to force their business customers to stop selling certain legal products protected by the 2nd amendment to the US Constitution. 

As a result I closed my credit account with them, but I feel I still have a right to redress as their market position is still being used as a weapon against legitimate businesss. 

As a taxpayer during the financial crisis my tax dollar underwrote their continued existence ...

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 2017-06-14
Company: PNC Bank N.A.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
X/XX/17 The Honorable Consumer Financial Protection Bureau, 1. Please be advised that the joint tort feasors of XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, PNC BANK NATIONAL ASSOCIATION, SUPREME COURT OF THE STATE OF XXXX XXXX COUNTY OF XXXX have colluded to unlawfully force a private property forfeiture under color of law with deceptive practices causing daily physical and mental anguish by the threat of Being thrown out of or losing your home by a false debt. 2. Whereas, the family home or domicile has been scheduled to be sold by alleged Trustee and on the steps of the unconsented commercial court on XXXX XXXX, 2017. 3. Any judgement in favor for the alleged plaintiff is unjust and want of equity. 4. This action must be stayed and vacated with no encumbrance on said property arising from a foreclosure and the public reflecting such. All above tort feasors have clouded the title and caused daily harassment, slander, libel and disturbance of the peace by calls and letters seeking to buy a property up for sale. 5. The public officer of XXXX XXXX XXXX did not have an required Oath of Public Office require by NYS law. XXXX XXXX XXXX did admit that she was not acting judicially 2-3 times. 6. Jurisdiction was challenged and not answered.

Company response to consumer: Closed with explanation