BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-25
Company: National Debt Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
on XX/XX/2019 I received a call from a private number. The representative, XXXX XXXX stated she had some very important legal documents that required my signature and she wanted to schedule a date for her to come out and deliver those documents to me personally. I asked her who she worked for and what company issued those documents. She stated she worked for XXXX and gave me a number to call to find out who sent the legal documents. I took number given to me and disconnected the call. I then called the number listed and spoke with XXXX XXXX who stated he was retained to settle a legal issue with XXXX XXXX XXXX  ( XXXX  ). He then went on to imply that I was in trouble regarding this " legal matter '' Once I obtained the account information, I asked for a physical address to send a cease and desist letter. I explained to him that implying legal consequences for collecting was in violation of FDCPA, he attempted to say that I could be in legal jeopardy, however when I told him I was going to file a complaint, he transferred me to XXXX. XXXX said he was in the financial department and attempted to imply that legally I could have a legal consequences filed against me. Once I told him I knew my rights as a consumer, he backed down agreed that I was not in danger of legal action and both collectors before him should have read my Mini-Miranda rights ( which NONE of those mentioned above did at any time during either phone call ) XXXX said he would take my number out of their data base after I told him I would speak with the original creditor to set up payment arrangements. The call was disconnected after XXXX said he would refer my complaints to management. After disconnecting the call I phone the original creditor to ask who they placed my account with, I was told the account was placed in another collection agency called National Debt Holdings , LLC I have also been given the name of another collection agency that they could be calling from as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Dowler Law Firm, PLLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX XXXX ( XXXX ) The Dowler Law Firm XXXX XXXX XXXX, XXXX XXXX, AR XXXX ( XXXX ) XXXX Supposedly Representing the Board Of Trustees for the University of XXXX d/b/a University of XXXX for Medical Sciences. 

I paid the bill for {$130.00} on XX/XX/2019. I called the University of XXXX and told them the bill had been paid. The University said there would be no court date since the bill was paid. The XXXX proceeded with a judgement against me and illegally put a garnishment on my paycheck although I had paid the bill months before. The garnishment was placed on my paycheck indicating that I had been on strike with the XXXX XXXX School District and I did not strike. The withdrawal was held up until that paycheck was disbursed. Deducting amounts from my paycheck and illegally making it look like I did not pay the bill. I paid the bill and he sued for his fees. XXXX XXXX XXXX did not give me time to pay him his attorney 's fees and he carried out an illegal process with the help of the District Court of XXXX, Arkansas. The withdraw from my check, public humiliation to me with my employer garnishment was not needed when I had already paid the bill. He meaning XXXX XXXX XXXX carried out a defemation of character with my employer about me. Harrassment comes in different forms ad unfortunately this was one form. The law firm needs to be in trouble and the process of University of XXXX Medical Sciences. This was deliberate in nature to lower my credit score. Personal Vendeta.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: OPTUM BANK, INC.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/XXXX, I left XXXX so my XXXX provider Optum Financial started to charge me Connect Your Care ( CYC ) Stand Alone Fee, which I was notified about. Starting XX/XX/XXXX, because something happened between CYC and Optum Financial, Optum stopped charging me CYC Stand Alone Fees, XXXX dollars per month. But this XXXX Optum Financial started charging me CYC Stand Alone Fee again without notifying me or updating the agreement. Starting XX/XX/XXXX I was also charged XXXX management fees XXXX dollars per month without being notified. I called them on XX/XX/XXXX, they just told me to refer to the FAQ rather than showing me supporting documents that state the charges are legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Financial Assistance Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XX/XX/2020 I submitted a XXXX XXXX XXXX and other documentations about this account was created without me knowing. The person that has created the accounts was charged and in process of being on trial. I have all the documents required. The debt was placed into collections without me knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: JPMORGAN CHASE & CO.
State: TX
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:
Fraudulent credit cards opened, various credit cardss opened, Fraudulent address. Incorrect information being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX. XXXX. XXXX XXXX. XXXX XXXX. 
XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX. 
XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. These accounts need to be deleted from the credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 -Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX -Account Number XXXX XXXX XXXX - Account NumberXXXX XXXX -Account Number XXXX XXXX XXXX

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 2021-08-11
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo Bank reversed my stimulus payment in XXXX which caused my account to go negative. They also did not credit my account for a deposit in the amount of XXXX which created multiple overdraft fees. I called to discuss the transactions and freeze my account but they allowed charges to continue to occur. They also debited my entire government funds with intention to resolve overdraft fees that put me in a financial devastation. The insitution then in turn did not properly notify me or acknowledge any disputes and have since closed my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, XXXX, I reviewed my credit profiles from XXXX, and discovered Capital One Bank is erroneously reporting XXXX derogatory credit card accounts on my credit report. I contacted the Capital One Bank fraud department on or about XXXX XXXX, XXXX, and spoke to a fraud account manager, XXXX, and explained that I am a victim of identity theft and that I never opened credit card accounts with Capital One Bank, and requested that this information be removed from my credit files. XXXX requested that I forward all supporting documents and said he will investigate the fraudulent activity. 
On XXXX XXXX, XXXX, I completed gathering the requested supporting documents along with a cover letter stating, " On XXXX XXXX, XXXX, I realized I may have been a victim of identity theft and immediately filed a police report at the XXXX Police Department ( copy enclosed ). 
As promised, I have also contacted XXXX XXXX XXXX and obtained a copy of the claim relating to fraudulent activity on my account, specifically XXXX XXXX ( XXXX ) unauthorized ( ACH ) electronic debits paid to Capital One Bank between XXXX XXXX, XXXX and XXXX XXXX, XXXX ( copy enclosed ). 
I have just today reached out to XXXX XXXX fraud department and initiated a claim in connection with the XXXX XXXX XXXX transaction for {$280.00}. I will advise of the outcome of their investigation and any documentation obtained as well. '' To date, Capital One Bank has failed to remove the fraudulent information from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Exeter Finance Corp.
State: TX
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:
Recently disputed incorrect accounts on my credit report. its be over 30 plus days and i havent received any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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 am totally dumbfound of this. I have no idea what is going on over there at the CFPB. I have submitted this complaint & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. This is so bothering on my part! The following accounts listed below were opened due to identity theft. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b... Thanks XXXX XXXX XXXX XXXXXXXX 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

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 2015-12-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I filed bankruptcy and everything was discharged except my mortgage and car loan. The car loan was with 5th Third Bank and an investigator is calling my duaghters and my place of work! His name is XXXX XXXX at XXXX. I have asked him to not contact me any further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15
Company: DISCOVER BANK
State: CO
Product: Credit card
Issue: APR or interest rate

Complaint:
I transferred a balance in XXXX XXXX to Discover Card services with a promotional 0 % interest rate until XXXX XXXX. The card also gave me a 0 % interest on new purchases until XXXX XXXX. In my agreement it stated that all payments would be applied with the majority going to the promotion that had the higher interest rate or in the case that was the same the one that would expire first. They instead applied the majority of my payments to the balance transfer that is not due until XXXX XXXX paying it almost in full while the purchases have accrued to more than what the original balance transfer was. I have statements from the CC company showing this and my original agreement. Instead of my payments being equally distributed or majority going to the new purchases as described by Discover, they have forced me to either pay off the new purchases in the amount of $ XXXX by XXXX XXXX, XXXX and leave the original balance transfer that was under {$1300.00} that they have paid down to $ XXXX and was n't even due until XXXX XXXX. Very unethical practice to force me to pay 25 % interest on something I was paying on monthly so I would not have a large balance to pay off in XXXX XXXX. I find this practice deceiving and verging on deceitful to change a 0 % interest into 25 % interest. BEWARE of Discover!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXr # XXXX, XXXX XXXX # XXXX, XXXX XXXXt # 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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have a {$2400.00} debt on my credit report in which I have disputed at least 20 or more times over the last 4 years. I have written letter, I have called, I have submitted online request. I have been ignored! This charge is fraudulent. The furniture was returned to this store within 30 days or purchasing it. I should not be charged for the full cost as stated above. This company is double dipping which is fraudulent. They should not be able to charge me, full price for the furniture yet retake possession of it and resell it. I have requested copies of documentation and still ignored. I want this removed from my credit report once and for all!

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 2019-05-13
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
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:
Peoples Bank continues to report incorrect balance and late status. 
They have not effectively addressed the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
According to Ocwen employee with Employee ID # XXXX, Ocwen has initiated foreclosure proceedings against our property. Ocwen entered into a National Service Agreement with the CFPB and with attorneys general and state banking regulators in XXXX states, and XXXX. The consent order addresses Ocwen 's misconduct during the mortgage servicing process. It also covers XXXX companies previously purchased by Ocwen, Litton Loan Servicing LP ( " Litton '' ) and Homeward Residential Holdings LLC ( previously known as American Home Mortgage Servicing, Inc. or AHMSI ). AHMSI was our previous servicer prior to Ocwen. Ocwen must adhere to significant new homeowner protections. The consent order requires that Ocwen follow the servicing standards set up by the 2012 National Mortgage Settlement ( NMS ) with the XXXX largest banks. According to the consent order, Ocwen was to provide us a copy of loss mitigation statement in one or more communications no later than 14 days prior to referral to foreclosure attorney or foreclosure trustee. We have received a certified letter from a foreclosure attorney which means Ocwen did not provide us a loss mitigation statement no later than 14 days prior to referral to a foreclosure attorney and is in violation of the consent order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On XX/XX/2018 my bill for XXXX dollars did not go through when it was an auto-bill. I reached out to the company and they said they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX and on XXXX XXXX they pull our credit and put DELINQUENT Account my Score was about XXXX now its gone down more to XXXX My score would of been up to 550-575 And i could got Rifi! Now on my credit report XXXX XXXX XXXX pull my credit Four Times give me more Inquires so on XXXX saying iam Delinquent and XXXX XXXX XXXX Experian XXXX ... 
Our Payments are Not due tell XXXX of each Month Plus we got 10 days Grace period.We have upto XXXX, to get our payment in ... XXXX XXXX put 4 Marks on my Credit Report that should Not be thier.My Credit Union said they could RiFi at lower Rate about 18 % is Better then 26 % we have to pay crooked people ... 
XXXXIam unemployed from XXXX in XXXX XXXX Utah XXXX my wife fell down got hurt.She fell XXXX XXXX i XXXX XXXX we tried working one light duty but XXXX Ast Manager over work us, and Workmen Comp says we have to stay working for XXXX to get paid.

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 2017-05-31
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XXXX 2015, I noticed while checking my credit report, a delinquent account from " XXXX XXXX XXXX XXXX '' for approximately {$2000.00}. I immediately began the process of informing them  that this was a fraudulent activity via written letters and by phone. I also sent letters to the XXXX major credit reporting bureau 's informing them the same. Thinking the matter was resolved, I was shocked to receive a summons from Superior court years later, without any previous correspondence. Now I 'm being constantly harassed by these vicious attorney 's who continue to claim they are not receiving my documents ( I have all documents filed and organized with USPS tracking proof of delivery ) and neither the original creditor or the attorney has produced a single document that I have requested showing my signature on an agreement or any other proof which might substantiate there claim. Because there is no such document. They have even failed to show me what was allegedly purchased with this line of credit or loan. Yet they continue to harass me to the point where I now am having to pay an attorney to help defend me. I believe that by this harassment, they are violating my rights as governed by the FTC which enforces the " Fair Debt Collections Practices Act ''. The Attorney mentioned above is : XXXX XXXX XXXX of Nelson & Kennard, XXXX. XXXX XXXX XXXX, CA XXXX. Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I closed out a lease with Chrysler capital in XX/XX/2016. On XX/XX/2016, they took an extra monthly payment even though I no longer had the vehicle. I have contacted them multiple times now and get a difference answer every time I call in regards to my refund. I contacted them today and was today my account was " pending closed '' and my refund would n't be processed until the account was " officially closed ''. When I asked how to officially close it, I could n't get an answer from them. They refused to transfer my call and said someone from a different group would call me back in 5 to 7 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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 recently disputed incorrect information from my credit report and after 30 days ive havent seen any results from this investigation.

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