BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-17
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I file an affidavit with Federal Trade and Commission the reference number is XXXX, I also file a Police Report with all the list of the accounts involve with the Identity Theft. I am having a hard time in dealing with JH PORTFOLIO DEBT EQUITIES , LLC even thought the account was open back in 2008 but such account was hacked and I am not agree with Balances this account has that are not mine hackers make so much damage to anyone involve on this Identity theft issues I am Requesting Clearly to JF PORTFOLIO TO REMOVE/DELETE this account I am not responsible of what they are claiming to be mine. I hired XXXX to help me but JH PORTFOLIO continues reluctant ignoring the facts of what being a victim of identity theft means. I need your help to refer me with any other Government Agency to enforce what the law states about Consumers who are victims of Identity Theft. or may be you can help me. I am NOT agree at all with JH Portfolio with their procedures about how they review and deem this account to be validated, Confirming my Address and my Name, signatures, etc ... does n't mean I can not be immune to be a Victim of hackers utilizing my name to commit fraud/scam utilizing my name pretending I am the one who is doing whatever they are doing. This is the point that XXXX Portfolio do NOT understand and where I need help for someone to explain them what a Victim of Identity is about. Thanks.

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 2022-04-15
Company: EQUIFAX, INC.
State: KY
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX was informed numerous times that they were in violation of Fair Credit Reporting Act. XXXX has failed to comply, and failed to provide me with reasonable procedures. This is my final offer to correct the erroneous conduct or I will seek to file for litigation. 

Notice : Mail Tracking ID : XXXX Notice : Mail Tracking ID : XXXX Please see and read all attachments below for further proof of claim and clarity on this matter. Thank You.

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 2022-04-15
Company: LDF Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Evergreen Services is doing the same thing that XXXX XXXX was charged with. They are located on an XXXX reservation. It lends small amounts of money with the payment schedule covering interest only and the option to pay off the loan directly is not made possible. They automatically keep you paying astronomical fees. Im embarrassed to have taken money from them but they need to be shut down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Reference to complaint  XXXX ,  Seterus  stated " Had the property taxes been paid in error, your tax entity would have refunded these funds to  XXXX  ''. This statement is false. The account for property taxes are in my name, irrespective who pays into that account, any refund will always goes back to the account holder. Another example, Seterus payment for home insurance did not arrive in time and  XXXX  called me. To give more time, I pai d one month insurance premium. After Seterus  payment arrived, it resulted in overpayment and the overpayment returned to me and no t Seterus. Seterus  should know this better.     Seterus failed the terms and conditions of account transfer from  XXXX  by opening an escrow account prior to loan modification application.  XXXX  never opened an escrow acco unt. Does Seterus  accepts a letter from  XXXX  confirming that they never opened an escrow account?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
During my deferment when I boulder pay my loans they continued to charge interest and raised my loan during that time. When finally making a large payment of {$2500.00} and asked to go toward smaller loan. They used all of it toward interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: PNC Bank N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been sent a letter in the mail earlier this year I believe in regards to a debt made out to me as a result of somebody stealing my identity. Sent money to my account using the routing number and my account number and used my card to buy stuff which I did not authorize. I called to speak on it and was told Ill be called back but never was. This was I believe two years ago as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
My account with Paypal was closed on XXXX XXXX, XXXX. Paypal claimed that my funds would be available after 180 days. I accepted these terms, but on XXXX XXXX, XXXX, paypal emptied my account to a near {$0.00} balance ( from {$800.00} ). Paypal claims this was for chargebacks or claims against my account, but no such chargebacks or claims were made ( as verified by paypal when I called ). In addition, I highly doubt multiple customers initiated a chargeback on the same day, 6-8 months after the unrelated transactions. Furthermore, I doubt the chargebacks would be exactly equivalent to my account balance. 

It is clear that Paypal has taken funds out of my account for no apparent reason. Additionally, paypal attempted to do this in an underhanded fashion, waiting until 5 months after my suspension and sending me an email stating " Check your paypal message center ''. The email had no mention of my account being emptied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan, I was told that I would get a 7.5 % interest refinance loan after all me person information was submitted at the last min. I was told that they could only do a 11.5 % interest Loan, The appraisal price was inflated, Loan to income ratio was ignored. I was told to discontinue my current loan payments because it would throw off the numbersand Other predatory practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXXXXXX XXXX XXXX account number XXXX XXXX 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 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 2016-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I was a victim of TransUnion 's " inquiry issue '' when they deleted all of my credit inquiries from my report and then - without proper notice and a disregard to legal procedure - simply re-added them all back on to my report without my knowledge. 

I called TransUnion and the overseas operator blew me off and told me there is nothing that they could do. 

I demand that the inquiries be removed as they had previously been. 

The inquiries are : Factual Data - XXXX Mortgage / Miscellaneous, Not Elsewhere Classified / XXXX/XXXX/XXXX XXXX / Mortgage / XXXX/XXXX/XXXX Factual Data - XXXX XXXX XXXX / Miscellaneous, Not Elsewhere Classified / XXXX/XXXX/XXXX XXXX XXXX / Mortgage / XXXX/XXXX/XXXX XXXX / Miscellaneous, Not Elsewhere Classified / XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Banks XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX / Banks / 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 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I check my credit back in XXXX and I did n't have any hard inquiries on my credit report and then I logged in XXXX XXXX and now there back on there. I called About them and they would n't remove them and I told them I have n't received anything in writing saying they was putting them back on there. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Transaction issue

Complaint:
I have been making payments on my Capital One account from my bank account for approximately a year. Every now and then they do n't make my payment available in my my credit limit and they put a hold on my payment, even though it has cleared the bank. The randomness of this is frustrating. My last payment they once again put on hold, my wife, an authorized user, was informed when she called in to see why payment was not reflected in our available credit. Several days later she called in to check the balance and available credit and was directed to the fraud department. They indicated that they have put a restriction on my account because they need to verify that the bank we have been making payments out of for over a year, belongs to one of us. WHAT? They told my wike that I needed to call and get on the phone with them and my bank. While this sounds simple enough, my problem with this is how these credit card companies can get away with accusing us of fraud and keeping my payment on hold when the funds have already cleared my bank. The fact that they are treating us like we have done something wrong when we have been making payments on time out of the same account for over a year is not right. I have not called them because it is a matter of principal and I feel like they are using delay tactics and harassing us for no good reason. I would like them to release the hold on my account and to stop finding reasons to delay my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
Today on XXXX XXXX, 2016 I received a phone call at my work number from a representative of Capitol One Card. They are calling me because I have not made any payments on my Credit Card since XXXX 2016, and I informed them that I had turned the account over to a management company. They ask me if they were a credit counseling agency or a debt consolidation agency. My response is " they do both, and I do not wish to speak with you further because I contacted your office in XXXX to try and help me lower my payment or rate and you refused to do anything at all '' and they state " I am sorry about that but now that you are behind we have things that we can offer you, however if you are working with a debt consolidation company we absolutely do not work with them we do not consolidate our debts and we will hire an attorney to come after you if the debt goes into default and the consolidation company offers us a settlement which we will take and then have the attorney come after you for the rest of the money owed at which point your credit will be ruined. I am angry with this attitude. I was a loyal customer who paid on time, and I attempted to negotiate with each of my credit accounts when I realized that my income was being adjusted temporarily. They all refused to work with me in any way XXXX, Capital One, XXXX, and XXXX. Now that I have updated my contact information with the phone number of the XXXX XXXX XXXX management company everyone including XXXX is calling me at phone numbers that are not longer listed on my account. I want a letter of apology from XXXX XXXX for their unfriendly attitude with consolidation debt companies, and an acknowledgement that they will work with them on my account! Capital One can provide you with the date and time of conversations that I had with the credit representatives in XXXX where I tried to communication with them of upcoming financial burdens and they absolutely refused to offer anything prior to my credit becoming ruined. I believe I was being a responsible consumer, and XXXX showed prejudice and turned their backs and now are threatening me with intimidation simply because XXXX XXXX XXXX XXXX not offer them all they money they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have submitted disputes several times with Transunion concerning accounts I held with XXXX XXXX XXXX XXXX. Transunion continuously reports the disposition of the accounts incorrectly, and claims it is the data furnisher XXXX XXXX XXXX. I was forced to take legal action against XXXX to try and have these incorrect reporting cleared up. XXXX has furnished information which makes it clear that it is not the data furnished, but how Transunion is using that data. It seems Transunion is not capable of reporting these accounts correctly and I would like the accounts removed, so that these mistakes do not continue. Attached is the communication between attorneys and XXXX 's internal notes on my accounts, as well as Transunion 's report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is for complaimt number XXXX. I didnt know how to reply to the complaint recieved. It saw ays that the company is in progress as of XX/XX/2020. And that they are still working in my issue. I will attach the company 's reply to my message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 reciently reviewed my credit report and saw a collecton on my account. XXXX XXXX XXXX # XXXX. This account is not mine and need to be deleted. I am a victim of identity theft. Also this inquiry is not mine XXXX, XXXX, XXXX XXXX and need to be deleted.

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 2016-09-01
Company: PLANET HOME LENDING, LLC
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was previously approved for assuming my soon to be ex-husbands VA loan with XXXX Bank but due to the divorce not being settled we could n't proceed with the loan until the divorce was complete. The divorce is almost complete so I contacted XXXX Bank to finish the paperwork to assume the loan. Unfortunately they sold the loan to Planet Home Lending so he was unable to provide me with the loan. So I contacted Planet Home Lending to assume the loan. I completed the paperwork and submitted it to them. The underwriters came back and said they would not approve the assumption loan due to a short sale in XXXX XXXX. I know from XXXX Bank that the short sale can not be held against you if it happened over 2 years ago and their waiting period was only 1 year so it was n't even an issue. But Planet Home Lending is using my short sale against me even though it is over the 2 year mark. This is discrimination and I am not sure why they are using this against me due to it has been over 2 years. I am also female and serve in the XXXX XXXX XXXX and am a XXXX. So maybe they are discriminating against me for who I am I am not sure but their excuse for the short sale does n't make sense since the short sale was XXXX XXXX and it is now XXXX XXXX. Please assist me in finding out what the real reason is why Planet Home Lending will not let me assume my soon to be ex-husbands VA Loan. I am a veteran as he is so there should not be an issue with the assumption, but I need an answer before we go to court so I know if I can ask the judge for the house or not. I can only get the house by assuming his VA loan and I can only due that through the bank that holds the loan.

Company response to consumer: Closed
Consumer complaint received 2020-04-05
Company: EQUIFAX, INC.
State: MA
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:
How XXXX  can EQUIFAX be, I have told them about the error on one of the accounts on my credit report and they sent me a document telling me that the creditor verified the account. The XXXX XXXX account with account number XXXX is being reported wrong and I have told them this, EQUIFAX is not willing to fix the error but they wont delete the account either, the open date on this account is different from what XXXX and XXXX are reporting, how can this be happening if this is the same account and the same creditor. According to the FCRA, errors on my credit report must be deleted or corrected, I have never said that this account isnt mine, but I did tell EQUIFAX to investigate because the open date on this account is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: AMERICAN EXPRESS COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
i have sat on hold for 1hour 31min and over an hour 4 separate occasions. I am, & many others are reporting not being able to access their info or use their cards, despite calling all the companys different CS phone numbers. Including the international and regular credit card number. My paycheck from work is direct deposited onto AMEX serve card but have no access to the money and no way of reaching AMERICAN EXPRESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: JPMORGAN CHASE & CO.
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:
Im accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation