BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-03
Company: Seattle Service Bureau, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was recently paying state farm insurance 's debt collector NATIONAL SERVICE BUREU for an automobile accident which happened 4 years ago. I signed an agreement with them to pay off the debt using MY CHECKING ACCOUNT. They recently contacted me saying they changed the way they process payments due to them being in business with a new payment processor ( not my fault ) and were now required to take payments using a credit/debit card. I was not happy nor did I feel secure giving them that information. Paying with my credit/debit card is not what I originally signed the agreement to use as a method of payment. The rep was rude and threatening me that I was no longer going to receive the payment agreement that was originally proposed by them if I did not issue them my credit card info. He also threatened me saying I would have my license revoked and even hung up on me multiple times. I was never refusing to pay them I simply wanted them to honor the agreement which was originally signed using my original method of payment. Ever since the rep XXXX threatened me and hung up on me I am now refusing to answer his calls or even pay because it is not my fault they broke their own contract and decided to be unprofessional when speaking to me. They have my bank information and I do not feel I need to give them much more than that. It 's been about 18 days since the payment was due and I do not feel I should be responsible for this if they broke their own agreement. I 've already issued them payments to the amount of a little over {$5000.00} to settle an XXXX debt. I keep getting harassed for my card information even after I was hung up on and I also never signed anything that would bind me to give them my CARD INFORMATION only my checking account which was a scheduled {$200.00} to be taken out each month. Since I have not been able to pick up calls due to me being at work during the day they have now started calling my family and leaving messages they have already reached out to my older brothers and left messages on both of their voicemails looking for me. They imply in the message who they are and what they 're after. Will they keep receiving these harassing phone calls? It 's a rep by the name of XXXX which was personally handling my account at the time the original agreement was set up he is very rude and unprofessional with his tone and threatening remarks. When I originally refused to give him my card he made various threats that I was going have my license revoked for something that happened 4 years ago and that I was now going to owe the complete XXXX that was left on the account in full if I did not give him my card information. I do n't feel I 'm being treated fairly here. Just because they broke their own contract with the " method of payment type '' they feel they can jerk me around?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is in reference to complaint XXXX previously submitted. Penfed did NOT address my concerns. I asked very specific questions in my inquiry that were not at all address. I would like my questions to specifically be answered and not a pencil whipped response. Why do I not get any assistance in dealing with XXXX XXXX? They tell me to contact my financial institution and will not assist me. Why did it take so long for them to get me copies of my statements when I changed my account number? Why will they not assist me in dealing with the XXXX XXXX XXXX XXXX. All of these questions have not been addressed. They are providing no help to me what-so-ever and instead are making a assumptions and a judgement call on my character. Their response is not a valid response because they did not address my individual question. Why did their system edits not detect fraud? This financial institution is deflecting any effort to help me and it required me to go through you just to get this response from them.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports XXXX XXXX XXXX XXXX Balance : {$12000.00} DPT EDXXXX XXXX Balance : {$10000.00} DPT EDXXXX XXXXXXXX Balance : {$470.00} DPT EDXXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$880.00}

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 non-monetary relief
Consumer complaint received 2022-01-02
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I contact the CRA to via certified mail to dispute erroneous accounts on my consumer report. After about two and a half weeks, the CRA reported back that the information came back verified from the original creditor, which is wholly inaccurate, as I am the original creditor pursuant to 15 USC 1602 ( l ). 

On XX/XX/2021, I contacted the CRA again, to request that those same accounts be removed again. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ), these accounts being listed are again in direct violation of the FCRA and should have been deleted on XX/XX/2021 when the first disputes were mailed out and should not have come back verified.

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 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I contact the CRA to via certified mail to dispute erroneous accounts on my consumer report. After about two and a half weeks, the CRA reported back that the information came back verified from the original creditor, which is wholly inaccurate, as I am the original creditor pursuant to 15 USC 1602 ( l ). 

On XX/XX/2021, I contacted the CRA again, to request that those same accounts be removed again. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ), these accounts being listed are again in direct violation of the FCRA and should have been deleted on XX/XX/2021 when the first disputes were mailed out and should not have come back verified.

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 2022-01-02
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
When COVID went to pandemic status I applied for deferred payments. I spoke to phone agent and one of my first questions was does this add to the end of my loan. They responded yes. Now Im expected to pay over {$11000.00} dollars or foreclosure. Im an XXXX working through this pandemic and now in fear of losing my house. What do I do I dont have that kind of money.

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 2016-05-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I 've had my Chase card for about a year, kept a healthy balance, paid my bill on time, etc. 

You can imagine my surprise when I received a letter from chase stating that they will be closing my account because " continuing the relationship creates possible reputational risk to our company. '' My credit score is great, my bills are always paid on time, and anything I buy with this card is through Amazon ( not any questionable retailers ). If I 'm not the ideal customer I guess I do n't know what 's expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony Bank repeatedly calls multiple times a day, sometimes about every two hours between their allotted harassing time. They always use a masked telephone number, presumably so I ca n't block whatever number they are calling from. Since my cell phone is also my work phone, their repeated calling disrupts my everyday work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
I received a XXXX from the Barclay Bank located in XXXX, Delaware in XXXX of this year. Between the months of XXXX and XXXX, these are my actual charges I made on this XXXX account : {$500.00}, {$100.00}, {$470.00}, {$620.00}, {$480.00}, and {$48.00} ( total of my charges {$2200.00} ). My total line of XXXX was {$2500.00} ( {$2500.00} minus {$2200.00} = {$260.00} ). The available balance on this account is only {$260.00}. Then, I received a letter in XXXX that my line of credit has been reduced by {$800.00}, and my new line of credit is now {$1700.00}, with around {$300.00} available credit left. I did not add any fees or interest with my charges, because any fool just made up fees and interest that were not right. When I asked how they got the fees and interest, I never got a straight answer. None of the statements will be accurate, new fees and interest are just put on the account each month. I make payments each month on this account, on time and with no late payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Several dispute letters sent to Company and Credit Bureaus. Company has not responded to anything including CFPB complaint ( s ) : XX/XX/XXXX [ # XXXX ] XX/XX/XXXX [ # XXXX ] Company is reporting old information and Michigan Statue of Limitation on Credit Card Debt is 6 years. Once the statute of limitations has passed, the debt becomes time-barred, and the creditor can not sue you to collect it. This account was open on XX/XX/XXXX and updated on XX/XX/XXXX stating that Consumer is 90 days late on XX/XX/XXXX & XX/XX/XXXX BUT Closed & Last Activity on XX/XX/XXXX and Charged Off on XX/XX/XXXX. The clock starts ticking when you fail to make a payment and it can be reset if you make a partial payment. Per Consumer Report the last FAILED payment was XX/XX/XXXX. 

All of these dates are inconsistent and the company has made several violations : 1. XXXX Consumer account by reporting the date of the last activity instead of the date of the first delinquency-FCEA Section 605 ( c ) - {$1000.00} Fine 2. Limit on Collection Time Barred Debt-12 CFR 1006 26 ( b ) Prohibits a collector from initiating or threatening to bring a time barred collection action.

3. Refusal to correct information after being provided proof of accuracy.-FCRA Section 623. XXXX v XXXX XXXX. US Court of Appeals for the third Circuit Court Case XXXX XXXX  XXXX XXXX. XX/XX/XXXX, Filed ( DC XXXX XXXX ) 4. Failure to respond to Consumer written disputes within 30 days-FCRA Section 611 Part ( A ) ( 1 ) - {$1000.00} Fine 5. Failure to report disputed debt to credit bureaus-FDCA Section 807 ( 8 ) - {$1000.00} Fine 6. Failure to validate debt-FDCPA Section 809 ( b ) - {$1000.00} Fine 7. Failure to validate and report to Credit Bureaus-FDCPA Section 809 ( b ) - {$1000.00} Fine 8. Report Consumer credit inaccurately-US Court of Appeals XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX- {$1000.00} Fine 9. Failure to report disputed debt as disputed debt to credit bureaus-FCRA Section 623- {$1000.00} Fine

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 2015-09-15
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I got a voice mail from a XXXX XXXX at " XXXX ( sp? ) XXXX XXXX in XXXX threatening me with legal action and that they were sending someone to my house to serve me with legal documents and I need to call the " XXXX XXXX '' at : XXXX with reference number : XXXX. 

I called this number and they said they had a Lawsuit filed for a GE Account ( XXXX XXXX ) and I have to pay them " X '' amount in order to stop this Lawsuit. I explained to them him I am permanently XXXX and am XXXX. 

He did NOT care and was EXTREMELY rude, intimidating and threatening, then he hung up on me! 

This GE/SYNCB, XXXX XXXX account is WAY past the Statue of Limitations. This account was opened on XX/XX/XXXX & was last paid on XX/XX/XXXX. 

The account was opened when I lived in Nevada where the Statue of Limitations is Four Years. It 's OVER Five Years ( close to Six ) past the Statue of Limitations. 

They also called ALL of my Relatives before they called me! 

I sent GE ( now SYNCB ) & the collection company ( XXXX , XXXX ) a Cease & Desist letter several years ago and have not heard from them since. 

I am currently looking into my legal recourse against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called the XXXX County Treasurer 's office on XX/XX/XXXX because I noticed that the tax payment due on XX/XX/XXXX had not been paid. I paid the amount of {$3100.00} to avoid late fees. When I contacted Mr. Cooper, my servicer, they informed me that they had paid on XXXX, but this was not corroborated by the county. Mr. Cooper has been unable to provide evidence that payment has been made since I contacted them on XX/XX/XXXX. I have made multiple attempts to resolve this issue over the phone and through their online messaging portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have attached a full written statement of events with this submission. 

I was a victim of bank fraud on XX/XX/2021. I was contacted by text message about potential fraud and then received a call from the official Wells Fargo phone number. The impersonator on the phone already knew my name, phone number and that I was a Wells Fargo customer, and possibly more Information. I never once at any time gave this person any Information, including codes etc. They walked me through sending money to myself through the XXXX portion of Wells Fargo 's website. I used my own name and phone number which they were somehow able to divert the funds to a XXXXXXXX XXXX account ending in XXXX. When they hung up and I realized what had occurred, I IMMEDIATELY disputed the transaction and contacted Wells Fargo. After almost a week of talking to various people on the phone and bankers in person, and having to reopen and escalate the case, I have not once received any correspondence with Wells Fargo, though they have attempted to deny liability described to me through a banker. Again, I never once shared any information with the fraudster, and they already had my name and phone number which they used to divert the funds.

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 2022-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Like many people, my family and I were impacted financially by Covid 19. In XXXX of 2020 I was forced to close my business because of the effects of the pandemic. This caused financial hardship for me and unfortunately caused me to become past due on four payments with my Capital One Credit card ending in XXXX. Fortunately, I was able to find a new job and things are starting to get back on track now. Since XXXX of 2020 all of my payments have been on time and I believe that I have demonstrated I am a valuable customer for Capital One. I have reached out to Capital One several times in regards to removing the late payments in 2020 since they were caused by a natural disaster, and I have been given very little information. I have made 13 attempts since XXXX and each attempt ends with me being disconnected or being told that there are no options for me. The Terms and Conditions when setting up my account did not address a natural disaster relative to the same scope as Covid. I also hired XXXX XXXX for 3 months to help me dispute these late payments and have not been successful. I spent several hundred dollars trying to have my credit repaired by experts and help me demonstrate my responsibility. I have been honest with Capital One and I am not asking for anything for free. I have demonstrated 12 months of on-time payments and I am asking for relief due to this pandemic. I take great pride in my credit as it was nearly XXXX prior to the financial impact of Covid 19. I am requesting that Capital One remove late payments from XXXX, XXXX, XXXX and XXXX of 2020 for my Credit Card ending in XXXX. By viewing my accounts with Capital One and my years and years of being a customer, it is obvious that all best efforts were made to keep my accounts current, and that my payment history was flawless up until the Pandemic. Thank you for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.

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 2022-01-02
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:
There is a student loan account " XXXX XXXX '' on my credit report that closed in XX/XX/2019 and is reporting a history of late payments, which is incorrect and deceptive information. This account was fully paid every month and closed successfully with the creditor before it was transferred and consolidated into my US Dept of Education Student loans, and yet they deceptively reported months of missed payments. I am asking for expeditious removal of this account, which is reporting fraudulent information and is in direct violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The name of the collection agency is Portfolio Recovery Associates and the original creditor is XXXX. I made several contacts with this agency to get more information on the debt. I was told XXXX time that I owed the debt. I need more proof that I actually owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
These accounts are not mine and they are being reported on my credit report. I have asked for verification without success. Act number XXXX XXXX and XXXX XXXX. The report also says these accounts were opened in 2013. I did not open any accounts in 2013.

Company response to consumer: Closed with explanation