BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I submitted a letter to TransUnion in regards to two unauthorized hard inquiries that were place on my credit report reported by the same company named XXXX, first one was dated XX/XX/XXXX and second XX/XX/XXXX. I did not give permission for XXXX to pull my credit. I requested TransUnion to delete these two inquiries from my credit report immediately which still has not been done. I've made several attempts to have TransUnion to honor this request. Upon speaking with different representatives and the fraud department to investigate this matter I was told that I had to file a complaint with the FTC/cfpc before they would remove these two hard inquiries. I am now reaching out to you to help me to have this matter resolved asap! I also want to state that I sent TransUnion documentation explaining in detail my concern and resolution that I'm seeking. This was sent by cerified XXXX mail. I received receipt of delivery on XX/XX/XXXX that my letter had been received by TransUnion. 
Thank you for your attention to this request, US citizen.

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: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened up a charge card thru   XXXX   XXXX  /Synchrony Bank. For the last several months I have made the full months payment. I even have a letter from them showing that I am paid current, refunding the late fees I paid ( just in case ). Again, I received a bill with late fees and interest. Again I called and again they said they will correct and send another letter. This is a practice of Synchrony bank hoping we just pay the fees. I am willing to bet I am not the only consumer with this experience. In my opinion this is therie attempt to defraud the consumer.

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 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I applied for a credit card increase and was denied. When I received an explanation in the mail it said I had many accounts derogatory. But I did not owe anyone any money. Then On XX/XX/XXXX while at a family get together I mentioned what had happened to me and said it was bothering me. I was told to get a copy of my credit reports. And XXXX XXXX, a former girlfriend of my previous tenant/housemate who was at the party told me that it may have been him who used my information to get credit. Once I looked at my credit report I saw my report was trashed. XXXX of the ACCOUNTS THAT I NEVER APPLIED FOR AND NEVER USED WAS CAPITAL ONE ACCT # XXXX. Date XXXX began : XX/XX/XXXX. DATE I DISCOVERED XX/XX/XXXX. TOTAL FRAUDULENT AMOUNT {$4600.00}. 

However, it gets worse! Capital One acting as a debt collector " NOTIFIED '' me of this debt at an address where I never lived : XXXX XXXX XXXX XXXX XXXX CA XXXX. 
They mailed a letter " NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COSTS '' on XX/XX/XXXX to a place I did not live. I had NO CLUE I was being sued. 

On XXXX XXXX XXXX and XXXX who filed a lawsuit against me for this fraudulent debt, signed the reason for filing the complaint in XXXX XXXX XXXX was because the DEFENDANT RESIDES IN THIS JUDICIAL DISTRICT. THE ADDRESS OF DEFENDANT IS : XXXX XXXX XXXX XXXX XXXX CA however, my address WAS NEVER XXXX XXXX XXXX XXXX XXXX CA and was used to commit fraud by using my information to obtain credit cards under my name. 

MY ADDRESS HAS BEEN XXXX XXXX PLACE XXXX CA XXXX. 

On XX/XX/XXXX a DECLARATION OF NON SERVICE was filled with the court by the processes server. It stated that they attempted to serve me on XX/XX/XXXX at XXXX pm at XXXX XXXX XXXX XXXX XXXX CA but were not able to and even stated " NEIGHBOR DID NOT KNOW SUBJECT. '' The registered process server was XXXX XXXX and worked for XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Advantage Credit, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was checking my credit report and saw some unauthorized and unvalidated inquiries on there

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Credit Collections U.S.A., L.L.C.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I started receiving credit alerts from credit reporting agencies on or abou t   XXXX   XXXX   2017 reg arding negative actions. Once I researched I found a collection agency 'parked ' a medical collection to all  XXXX  of the major credit reporting agencies. The debt was for {$94.00}. Prior to the alerts I never received calls or mail notices regarding this debt. The company did not give me an opportunity to dispute the debt before 'parking ' the debt to the credit bureaus. Since I did not want the negative information on my credit file I paid the debt. After I paid the debt on    XXXX   XXXX   2017 the  company then sent me the notice of debt with the amount due and dispute language.   The company violated regulations improperly reporting the debt to the credit bureaus before notifying me and giving me the opportunity to dispute the debt.   The collection company wrongfully damaged my credit.   The collection phone # 's are  XXXX  and  XXXX .

Company response to consumer: Untimely response
Consumer complaint received 2021-10-29
Company: World Omni Financial Corp.
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I saw a credit collection on my credit report from Penn Credit Corporation This is a debt that was tried to be collected by another company. 
I contacted the previous company to get more information and that company failed to provide any information. The debt was removed and now this company is showing on my credit report. 
I contacted Penn Credit Corporation on XX/XX/2021. I spoke to a XXXX, who was very unprofessional and asked me for my personal information over the phone, social security, address, etc. 
I responded by saying, if you are trying to collect a debt, you should have that information already, I'm not giving it to you. 
I confirmed the last XXXX digits of my social security number and then, she proceeded to very unprofessionally ask to pay the debt. I said, I would be willing to look at a formal correspondence from this company about the debt to be collected. I asked if she had my address and she said she did, which was correct. I asked them to send me a letter specifying the debt and whatever terms I needed to adhere to. She did not mention anything about what my obligation were in regard to disputing the debt or any other information. 
I did not receive any written notices about the debt or any other communication. 
The debt collector mentioned above did not provide any of the information they are required to provide and they did not send any written documentation after that call, as they are required within XXXX day. I requested the written notice and still did not receive anything, over a month ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
all 3 bureaus have not investigated XXXX XXXX XXXX on credit reports

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 2021-10-29
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I've been a customer for several years with XXXX XXXX and have made my payments on time. My initial credit limit was {$500.00} and decreased to {$150.00} today, XX/XX/XXXX. It's ridiculous how my credit line was dropped in XXXX from {$330.00} to {$200.00} and now to {$150.00}. Every time I have available credit of at least {$75.00} or more, my credit limit decreases. My credit score dropped 45 points from the previous decrease,, and I can imagine what it will be now that they've done it again. I've never in the history of having credit have experienced multiple credit line decreases in less than 6mos from a creditor. This is why I don't use the card now and will consider closing it after paying it in full. I called this morning and spoke to XXXX and he wasn't able to assist. Also, they didnt notify me prior to the change in my account. Its always when my new statement generates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a consolidated loan from Navient. The loan was consolidated in XXXX. The Principal amount was {$71000.00}. We did accept a " Graduated '' repayment in XXXX. During the 18 years of repayment, we have paid {$100000.00} in payments. 18 years later, the principal balance is {$61000.00}. Thus, {$100000.00} has reduced the principal by only {$9000.00}. We were NEVER told this could happen and NOTHING in any literature ever indicated this was possible. Moreover, it should have ended in XXXX but they keep extending the " Graduated  '' payments, claiming we called and asked for extensions. It is false.
<P/>
I only discovered this outrageous scam because I received a negative credit report that showed 90+ delinquency in a student loan payment fromXX/XX/XXXX. Even though we have made payments for 18 years ( that 's about 216 payments ) and have never been late, and even though our credit report shows over 4000 payments - - not one is reported as late - - Navient claims they emailed us 3 times asking us to read a delinquency letter on their website. We never got a single email or a single letter. We have not used the email address they claim to have sent it to in over 15 years. It still may be active, but we would never have seen that email. Proof? in over 4000 credit reports, including over 200 for Navient, we have never once been late with a payment.
<P/>
Clearly, Navient made a mistake. We asked it to fix the report, and they refused. So, while they have set up a system that no human would EVER agreed to ( pay {$100000.00} over 18 years for a {$70000.00} loan, and a {$9000.00} principal reduction ), and which was never disclosed, they continue to destroy my credit.
<P/>
please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: WINNPOINTE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance with Interactive Mortgage back in XXXX. I had a rate lock for 2.35 % 30 years loan for a loan amount of about XXXX {$410000.00}. 
While i have been waiting for the underwriter, since they have a long queue, rates have gone up ( now the same product is offered for a rate of 2.75 % ). Interactive Mortgage kept on stalling and delaying the process and emailed me on Monday ( XX/XX/2021 ) this week to tell me that my rate has expired last Friday and they will not be able to give me that rate anymore. 

Interactive Mortgage haven't called me or emailed me to let me know that they are waiting on something on need any additional documentation.They also waited till the Monday to email me ( email enclosed ) when they should have done it before Friday, before the rate actually expired. Additionally, i was never notified about this expiry date in any communication from them. 
Enclosed is an email from Wednesday XX/XX/XXXX, two days before the rate was allegedly supposed to expire, in which i am asking XXXX the processor about latest status of the refinance and and she says nothing in her reply about rate about to expire in two days. 

i strongly suspect I am not the only person who fell victim to this fraudulent " stalling till rate will expire '' strategy. They have a strong motive for stalling customers since this way they don't need to respect the rate they promised when market conditions have changed. 

To my huge surprise, they became non responsive and when i eventually talked to the manager XXXX XXXX XXXX XXXX, he had nothing to say to me other than " he is sorry that this is how i feel ''. He mentioned that i can't speak to anyone else and he is the right person. 

Back in XXXX, i could have gotten this rate from a few companies. Now it is not available anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Weinberg Mediation Group LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
RE : W EINBERG MEDIATION GROUP LLC.   Today, Tuesday,  XXXX   XXXX ,  2017 , robocalls about my financial business went out to people loosely associated with me, but who know nothing about my finances. For example, several relatives and a friend of a friend received a collection call from this organization about me. When I called them and asked them to remove all numbers except mine from their account, they refused and claimed I had a credit card I owed money on. I do not recognize the bank named on this debt, and there has been suspicious information on my credit report in the past, so I am investigating. I will pay the debt if it is valid, but in the meantime this organization has done damage to my reputation, privacy, and dignity and deserves censure for their aggressive tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found the account that was not mine. This account have never been opened by me or with my permission. I need your assistance to stop this account from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any account mentioned in an identity theft report. To aid with the blocking of the fraudulent account that was discovered on my report, I have included some document. 
XXXX XXXX XXXX XXXX : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Celsius US Holding LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
The owner of Celsius Network, XXXX XXXX, described Celsius like a bank but operated like an unregistered hedge fund with extremely risky investments. They then froze all withdrawals on XX/XX/2022. I currently have {$35000.00} with them and they have lost my money and froze my account. This is contrary to everything XXXX XXXX has stated in his XXXX videos even up tho the week he froze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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 belongs to someone else

Complaint:
I found accounts I never open this is not mine this is a fraud accounts

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 2022-09-12
Company: FIDELITY CAPITAL HOLDINGS, INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022 Fidelity Information Corp placed a collection on my credit report in the amount of {$300.00}. The collection was placed for rent that was due in XX/XX/2022. The original creditor was XXXX XXXX XXXX. The company placed my account with a collection agency before it was ever 30 days past due. 

Rent at this apartment was due on the 1st of each month. I paid the rent before it was 30 days late. I had a signed payment arrangement with the leasing company with arrangements to pay in full by XXXX. I had all of the rent paid in full on XX/XX/2022. The collection was placed 2 months after the rent was paid in full. I have a XXXX balance with this company and my account should have NEVER been placed in collection. 

I contacted the leasing office about the collection and did not receive a response. I also sent a certified letter to Fidelity Information Corp asking for debt validation. I sent the letter to the address they listed on my credit report. The US postal service entered a note saying they attempted the delivery but the location where the company has listed to send mail is in a locked location that can not be accessed by the US Postal service. I never received any response to my request for debt validation. 

Additionally, Fidelity Information Corp never sent me a debt validation notice as required by Section 1006.34 ( a ) ( 1 ) generally requires a debt collector to provide the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collector 's initial communication. The company placed this debt under collection without giving me an opportunity to respond.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have gone online to pay a parking ticket which was the amount of {$160.00}, paid with credit card on  XXXX   XXXX ,  2017 . Payment went through and since I was unable to print the confirmation page I have taken screenshots of the confirmation page and the printer friendly version of the page for documentation.   XXXX  Today is  XXXX   XXXX ,  2017 . I have received a notification from  Transworld Systems Inc. stating that the unpaid amount of {$160.00} have been carried over to their Debt Collection department. I have called Transworld Systems, but was left with me badly recorded machine that was incomprehensible or at leas t seem to not have given me the option to call for a complaint. On the back of the letter provided a website for transworld payments and website for  FTC ( Federal Trade Commission )  in which I had looked up for it 's contact information and called Headquarters. There a machine came on and guided me to call another number to resolve this issue and was lead here to write this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint has acted with gross negligence and gross incompetence in dealing with my foreclosure avoidance request. They are also in violation of CA anti dual tracking laws by processing a forelcosure while at the same time processing my short sale request. At issue is the fact that for more than an entire month Shellpoint kept asking me for financials which were not required because borrower was deceased. I provided power of attorney and I also provided transfer of deed which negated any need for estate docs yet they were not competent enough to know that. They kept asking me for docs that were not needed and illegally pursuing a foreclosure sale date at the same time. Due to their negligence and lack of knowledge for something they are being paid to service they ate up my time and now there is a sale date to their own fault in 3 days. This is not acceptable under any circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2021, Chase bank issued two overdraft fees for transactions processed in the middle of the night or behind the scenes where I can't see on my account. I was charged 2 overdraft fees despite me being unaware of these transactions until today. Additionally, I have 2 accounts with Chase, one where I could readily transfer funds. I transferred the funds that morning when I discovered the overdraft and called Chase to see if they could remove the fees. They refused. This feels like a scam. I wasn't overdrawn before going to bed, and the next morning, I wake up to two overdraft fees.

Company response to consumer: Closed with explanation