BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-27
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased {$100.00} Mastercard prepaid card on  XXXX  from  XXXX   XXXX  that I had a problem using and had an error checking the balance online. This card is issued by US Bank. I called the number on the back of the card on  XXXX  and explained the problem and they said it is due to a failed activation. They requested I fax in the information and images that are attached to this complaint as a PDF.     I faxed in everything and waited a few days. I had to call in to find out the status even though I requested them to contact me once the issue had been resolved. It turns out the card image was blurry and they wanted me to fax in again  ( a nd recommended I use   XXXX   ). So I tried again twice on  XXXX , once by fax and once by sending a copy of the whole package via pdf and the website faxzero.com. I again waited a few days and heard nothing. I called back on  XXXX  and they said the faxes were too light and wanted me to try again. I said that was unacceptable and asked what if I kept trying and they kept getting an unreadable copy. They had no answer ... .basically just keep trying. I said I 'm not going to waste any more time doing this when the result is n't even guaranteed. I offered to email them a copy and they said they ca n't accept emails and there 's no other way to get ahold of that department other than fax. I asked what if I emailed the representative and she could forward it to that department and she said she will not do that. I said I ca n't be the only person to have run into this problem and she said " I can not confirm nor deny that ''?! I asked to speak to supervisor ... she said all of the same thing. I asked for her  manager .. . she said was n't available but took my number and will have them contact me in a day  or two. It 's been one week n ow and I have not heard back from anyone. Basically they understand the problem, but do n't care and unwilling to provide an alternate solution.  XXXX  Bank has my {$100.00} prepaid card and will not activate my card nor refund me the amount.     They also mentioned on the second call that my  XXXX   XXXX  receipt was not valid and they could n't help without the last four of some number on the receipt or the numbers below the barcode on the back of the gift card. They asked about an activation receipt, which I have never gotten with any of my prepaid card purchases. The sales receipt only shows the UPC number and nothing else that seems to link to the gift card. I offered to provide the numbers located under the barcode and she said she ca n't accept them verbally.     Note that although it is very difficult to scan a good copy of an opaque plastic card on a copy machine, the image in the PDF file is clearly readable.

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 2021-10-20
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not sign a HIPPA form authorizing this agency Penn Credit Corporation to access my medical records so as that being said the agency violated HIPPA. I sent out a letter asking them to validate the debt and they failure to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Monday XX/XX/21 spoke with a lady at Synchrony Bank in regards to a balance of {$3100.00} for a XXXX XXXX. She stated I had never made any payments for my XXXX XXXX with Synchrony Bank. I explained that I did and that I have bank statements proving it and that I closed the account after paying it off. She said to fax the documents showing my payments. 
XX/XX/21 at XXXX I faxed screenshots of my bank account showing payments made to XXXX XXXX. 
XX/XX/21 I call to confirm receipt of my fax. Was told yes, that it was received, and explained what was happening. The gentleman kept repeating that I owed this debt. I told him no, I dont I paid this off and I closed the credit card. I told him I was never contacted that I owed any balance and when I closed the account out there were no issues, not until I recently applied for a new XXXX XXXX and was denied. Since then I have received calls everyday in regards to having a balance. This gentleman then transferred me to the XXXX XXXX. The young lady I spoke with next stated that my screenshots were not sufficient, that they need to be from the bank on their letterhead showing the transaction to XXXX. I said it doesnt show Synchrony, it shows it was paid to XXXX XXXX XXXX I paid this through the XXXX app. 
So, XXXX now at my bank, XXXX XXXX, XX/XX/21 and explained to them whats happening and the teller pulled up my account and said its showing XXXX XXXX not synchrony. Came out to my car, called my local XXXX. Explained my situation and the lady said she had the same thing happen to her but she doesnt remember how she had it rectified. She tried putting me through to a manager, but no one ever answered.

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 2017-04-27
Company: EQUIFAX, INC.
State: OR
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:
Equifax credit reporting agency continues to show an open collection on my report, with  XXXX   XXXX   XXXX , that should have been removed when the original account " timed out. '' I have disputed this with another credit reporting agency but they refused to remove it until they received contact from CFPB ; this action took over 75 days so this time I 'm going directly through CFPB to have this account, well past the Statute of Limitations in Oregon, removed and the company notified to stop reporting it on a monthly basis.   Do these reporting agencies have no oversight!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an unauthorized inquiry on my credit report that I would like for to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft. For over a year now i have tried to clear my credit from all these fraudulent accounts. However Experian has been the only credit bureau that is not cooperating. They have not sent me valid documentation with there investigation. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The collection account number I'm refering too 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 2017-04-27
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX  MY MORTGAE WAS ASSIGNED TO  AMERICAN HOME MTG SER VICING. THIS WAS SIGNED BY  XXXX   XXXX   ( V ICE PRESEIDENT ).  XXXX  MY MORTGAGE WAS TRANSFERRED TO HOMEWARD. I STARTED WRITING HOMEWARD. QUESTIONING THEM ON CERTAINS PERTAINING TO MY MORGAGE. NEXT THING I KNOW THEY TRANSFERRED THE MORTGAGE TG O OCWEN. I  BECAME VERY ILL. I COULD NOT AFFORD MYH MORTGAGE PAYMENTS. I STARTED WRITING OCWEN ASKING THEM IF THEY COULD MODIFY MY MORTGAGE BASED ON THE PRINCIPAL VALUE. THEY DID NOT.  XXXX  I RECEIVED FORECLOUSURE DOCUMENTS FROM  XXXX   XXXX   XXXX   XXXX . I GUESS OCWEN IS PART OF  XXXX   XXXX . WHEN I GOT MY ATTORNEY IN  XXXX  I PAID {$700.00} FOR FORENSIC REPORT OF MY MORTGAGE. I FINALLY HEARD FROM THE FORENSIC PERSON  XXXX   XXXX . I WS TOLD BY THE FORENSIC PERSON THAT MY ATTORNEY WILL CONTACT ME AND GIVE ME COPIES OF THE FORENSIC REPORT. TILL THIS DAY  I H AVE NOT HEARD FROM MY ATTORNEY REGARDING THE FORENSIC REPORT OR ANYTHING ELSE OF THAT MATTER. I HAVE LEFT MESSAGES FOR THE ATTORNEY AND NO CALL BACK. I PAY MY ATTORNEY THERE MONEY EVERY MONTH. MY ATTORNEY WANTED ME TO AGREE TO THIS MODIFICATION THAT OCWEN OFFERED, I TOLD THEM I DO NOT AGREE AND IF THEY CAN DO SOMETHING. NOTHING HAS BEEN DONE. I HAVE NOT HEARD ANYTHING BACK REGARDING THE FORENSIC REPORT FROM MY ATTORNEY. I AM SCHEDULED FOR COURT ( TRIAL ) IN  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a charge off on my credit report for {$4200.00} from Chase bank. Ive never had a Chase credit card and would like like this deleted from my credit report. It's really effecting my credit score and I never caused the debt. I've never had a Chase credit card in my life. Please help. It was opened XX/XX/XXXX and the charge off was on XX/XX/XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: Law Offices of Michael Lupolover
State: OR
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I contacted the Law Office of Michael Lupolover because I was contacted by a debt collection agency that violated the FDCPA Law when contacting me. After 4 months of waiting to be contacted, XXXX contacted me with a settlement offer. He urged that I sign the settlement as quickly as possible. I advised him that there was information missing in the settlement. Which he assured me that it would me changed and to sign the XXXX settlement just so it could be filed. He lied to me about several things that were suppose to happen that never happened. He told me that the debt collection agency would no longer be able to contact me so they will be sending the debt back to its original creditor. 3 months later XXXX and XXXX XXXX, who claims he is Senior Attorney, keep telling me verbatim " the debt collector has already returned debt to the original creditor ''. This could n't be more false if it slapped you in the face. I called the original creditor 3 times and spoke with supervisors saying that it was n't returned. I called the debt of ed which has verified that the debt belongs to the same debt collection agency that harassed me! This debt collection agency also reported to my credit bureau which resulted in me getting denied on an application which the XXXX Lawfirm has has stated that they did not do! They came to a settlement amount of XXXX with the debt collection agency and I was only getting XXXX and they would keep for themselves?! XXXX Lawfirm was charging me XXXX for fees on an arbitrary number. This Lawfirm is worse than the debt collection agency that harassed me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
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: Public record information inaccurate

Complaint:
Experian have failed to provide validation of public records listed in my file under my name and social security number. I have reached out to the credit reporting agency and they have failed to provide requested information. According to  FCRA 623 ( a ) ( 5 ) if the credit  bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of  XXXX  DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, Experian actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the  U.S. Ba nkruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankru ptcy Court and re ceived a letter in return stating The Clerks office does not provide information to credit reporting agencies. Experian has not provided any feedback on my request to validate public records. Please see my attached documents.

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 2017-04-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent a  Mutilpe Inquiry let ter on  XXXX    XXXX   ,2017  and less then a week later I get a letter stating that the inquiries on my credit report are factual and will remain on my report. If they sent me a le tter four days lat er that meant they did not investigate whether or not the inquiries are mines and just sent their generic letter. Experian did not investigate fully and I have asked multiple times through mail, online Disputing and calling and they will not remove the inquiries.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I never thought the fees and GAP was handled properly.

And overdraft charges were unfair.

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 2022-08-03
Company: Affirm Holdings, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from AFFIRM INC XXXX XXXX XXXX XXXX This Collection account is reporting not only as Open on all accounts but also shows a past due balance of [ {$260.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
EXPERIAN, A credit reporting agency, has not been properly updating the reporting models accurately to reflect payments made to the lenders and dates of paid off accounts that should have a XXXX balances. 
When I brought this to their attention they stated they would contact the reporting agency/lender and dispute the oversite. However, while on the phone the dispute department agent verified their were different amounts on my report that I was not seeing on my membership account. So I asked how will Experian address that? He answered it would have to be the fault of the reporting agency. 
Obviously there is a glitch in there system that shows several banks have not updated since XXXX, NOT. My proof is I have 2 accounts by the same bank and XXXX said the report all on the same day not one on XX/XX/XXXX and the other on XX/XX/XXXX. 
The agent agreed that there is something disputable. How often am I paying more interest because these reporting agencies are publishing the wrong incorrect balances and paid off balances.

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 2021-10-20
Company: FC HoldCo LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was purchasing a car at XXXX XXXX XXXX for a cash price, after the full price cash purchase was completed I started getting letters in the mail stating I was looking to finance a car. which is not true I purchased the car cash. I did not give permission for my credit to be used.

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 2021-10-21
Company: CountryPlace Acceptance Corporation
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Refinanced with another mortgage company. The payoff statement said the escrow balance was XXXX. The payoff amount included the principal balance, interest for the month, and the PMI payment for the month with a payoff date of XX/XX/XXXX. Attorney sent proof the check arrived in their office on XX/XX/XXXX. The company said the payment was not processed until XXXX. The payoff said I would receive a paid in full letter in 5 days and my escrow check within 20 days. In speaking with the company I learned that they have been taking money out of my escrow to cover interest and PMI even though they shouldn't have charged me anything after XX/XX/XXXX. Today is XX/XX/XXXX. I still have not received the letter and have not received a check. I spoke to them on XX/XX/XXXX and they still have the wrong escrow balance and they told me they would get to the bottom of the issue and call me today, that I did not need to call them back. They did not call me. 
I should not have to report them to get money that is rightfully mine. No one should have to go through this.

Company response to consumer: Closed with monetary relief