BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
USAA sent me a letter dated X/XX/2016 stating they received a response to a billing dispute for a charge from XXXX XXXX for {$430.00} which they stated was a valid transaction based off documentation received from XXXX XXXX. This transaction is being used to deem a larger credit card fraud claim my responsibility as well. <P/>The problem with this response from USAA shows they did not accurately investigate the billing dispute. They must have not even looked at the reply from XXXX XXXX or they would have spotted the immediate errors : * Dispute was for XXXX, documents received show two charges for {$74.00} and {$120.00}. These do not add up to the amount being disputed which was a single charge and not two charged. * The documentation received was from XXXX not XXXX XXXXy * The documentation showed receipts for a sale which took place in Florida * The documentation states the bill was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL * The receipts show a card swiped with a different # and being issued to XXXX XXXX XXXX not me. * The signature in no way resembles the one they have on file for me * The supplied Tracking numbers should have shown this merchandise was never intended for or sent to me. <P/>Despite the overwhelming evidence this charge was not performed by me or even mine, USAA held me responsible for it saying they investigated it fully. This charge is now being used in a credit card fraud billing dispute USAA decided to reverse a year later in violation of the consumer protection time frame to finalize billing dispute. USAA states their investigation showed I was responsible. One of the reasons being I have a XXXX XXXX rewards number. I 'm unsure what that has to do with it, seeing as this charge obviously was not mine. Having a Rewards Number does not automatically make me responsible for any charge from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a mortgage with Wells Fargo for my property at XXXX XXXX XXXX XXXX, PA XXXX. The loan number is XXXX and was originated in XX/XX/XXXX. It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage. <P/>I have been paying consistently on this loan and expected that it would be satisfied in XX/XX/XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until XX/XX/XXXX. <P/>At the time of the loan origination Wells Fargo had a contractual relationship with XXXX XXXX to manage the accelerated payments. I was not aware of this until I called. As far as I was concerned they were one in the same. <P/>I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only saved one year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortgage. <P/>I have issued complaints to both parties. Wells Fargo does not acknowledge any ownership in this. They believe XXXX XXXX is at fault. XXXX XXXX does not respond to the complaints. Wells Fargo has since severed their contractual relationship with XXXX XXXX which, I believe, is integral to this complaint Both of these parties are clearly in violation of fair lending practices. I am entitled to see the payment schedule that I supposedly approved and neither entity will provide it. <P/>Additionally, I am referencing the disposition of an XXXX XXXX fraudulent claim. Pursuant to this action, I am entitled to damages. <P/>CFPB Takes Action Against Mortgage Payment Company And Servicer For Deceptive Ads XX/XX/XXXX Consumers Deceived by XXXX XXXX XXXX to Receive {$33.00} XXXX XXXX, XXXX. The Consumer Financial Protection Bureau ( CFPB ) took action today against XXXX XXXX and XXXX , XXXX for deceiving consumers with advertisements for a mortgage payment program that promised tens of thousands of dollars in interest savings from more frequent mortgage payments. Under the terms of the orders announced today, XXXX will return {$33.00} XXXXXXXX in fees to consumers and pay a {$5.00} XXXXXXXX civil penalty to the CFPB, and XXXX will pay a {$100000.00} civil penalty. Deceptive advertising has no place in the financial marketplace, said CFPB Director Richard Cordray. Todays action is delivering relief for consumers deceived by XXXX and XXXX, and sending a clear message that these practices will not be tolerated. <P/>I will continue to file complaints until one or both of these parties provide the information that I am entitled to. <P/>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 explanation
Consumer complaint received 2017-10-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX, XXXX CFPB : XXXX sub-contractor XXXX XXXX stole, from XXXX XXXX XXXX, XXXX, IL XXXX, my plats of my Homesteads XXXX XXXX XXXX and XXXX XXXX XXXX, both in XXXX, IL XXXX, and refuses to return them to me or surrender them to the State of Illinois Treasurer under the Illinois Unclaimed Property Act. 
I need JPMChase to supply me plats of my Homesteads. 

XXXX XXXX XXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: WA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$8700.00}, {$8000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: AES/PHEAA
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am filing a dispute because I received a letter stating I was not eligible for discharge. I was not sure about the dates I attended XXXX XXXX XXXX XXXX because it had been so long ago. All I know is that it closed while I was attending.There was no supporting document proving my reason for denial of discharge.I am submitting a copy of my notice of ineligibility and my application.This is my 2nd dispute my first was in 2010 and all they sent me was copies of transcripts from school I had attended and a free tXXXX XXXX   program that I attended but nothing XXXX XXXX XXXX XXXX, where this loan was taken out for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: WA
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:
In XXXX of XXXX and XX/XX/XXXX. I got a letter from State of Washington XXXX  XXXX XXXX. That my personal information including SSN, ID, Address, email, full name, date of birth. Ware exposed do a data breach to their systems. Some account ware open under my personal information. I have a new police report from the city of XXXX WA. Now this account is showing on my XXXX credit reports agencies XXXX, XXXX and Equifax, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested XXXX XXXX XXXX to please provide proof of me giving then my signature for this Loan. My request is for XXXX, XXXX and Equifax to delete this account one and for all from my credit report. XXXX XXXX XXXX # XXXX Date Opened : XXXX XX/XX/XXXX Responsibility : Individual Account Loan Type : Unsecured Loan Revolving Account Balance : $ {$51000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In XXXX of XXXX and XX/XX/XXXX. I got a letter from State of Washington XXXX  XXXX XXXX. That my personal information including SSN, ID, Address, email, full name, date of birth. Ware exposed do a data breach to their systems. Some account ware open under my personal information. I have a new police report from the city of XXXX WA. Now this account is showing on my XXXX credit reports agencies XXXX, TransUnion and XXXX, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested XXXX XXXX XXXX to please provide proof of me giving then my signature for this Loan. My request is for TransUnion, XXXX and XXXX to delete this account one and for all from my credit report. XXXX XXXX XXXX # XXXX Date Opened : XXXX XX/XX/XXXX Responsibility : Individual Account Loan Type : Unsecured Loan Revolving Account Balance : $ {$51000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$740.00}

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 2017-11-03
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have tried numerous times to work with Ocwen Loan servicing and they have been stringing us a long for years saying that they would do a loan modification and we did 2 or 3 times trial payment just to either come back and reduce it by XXXX they are just playing games with consumers. After dealing with this and the frustration we ran into a company that specialized in forensic audits in mortgages and they found that Ocwen has done fraud our mortgage and do n't even have the original note. How is it that the judges allow bank like Ocwen to come and hurt and mislead and cause bank to foreclose on home owners that are only really trying to get help in making payments because of a hardship they have been going through instead they take advantage of the situation and have no consideration nor any intent to 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 explanation
Consumer complaint received 2017-10-21
Company: Ad Astra Recovery Services Inc
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company is reporting bad info to XXXX XXXX this is not my acct. and the date being used asthe date couldnt be right I thought first time of deliquency is the date usedif thats the case this is impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company which is pursuant to sue for wage garnishment have not ever spoken to me, notified me of my knowledge by mail or any other form of communication that they were the direct agent assigned to resolve the debt until I received a summons for a wage garnishment lawsuit against me. The company is misleading on my credit reports & in summons that they have a record of constant communication with me concerning my default account. I have spoken to no actual representative at all to resolve anything. Also, the statute of limitations is up for this account. So, far I responded to the summons to go to trial by XXXX XXXX, 2017 and will be sending a sworn denial on XXXX XXXX, 2017 with courts and trying to follow the FCDPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: EQUIFAX, INC.
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:
XXXX XXXX just appeared on my credit report this week. It is an account that says I 've had it for two years. This is not me, the account is fraudulent. This is ID theft. I have never opened an account with this company. Please remove from my credit report as it violates hippa and the cra.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX just appeared on my credit report this week. It is an account that says I 've had it for XXXX years. This is not me, the account is fraudulent. This is ID theft. I have never opened an account with this company. Please remove from my credit report as it violates hippa and the cra.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Square Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX XXXX took from my account XXXX fraud. I deactivated my account and was still receiving their emails. Accidentally I clicked on it and automatically deactivated it. I tried being as understanding with them and I find it very incorrect on how they work. Today XX/XX/2021 I still get their leads although my account is deactivated meaning if I do the same accidently they will charge me again. I never worked or will ever work with this company. They are very illegal going into my account and taking money for no reason. I have attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: The Outsource Group, Inc
State: CO
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:
Medicredit is saying that we owe {$110.00} dollars that was paid in full on XX/XX/XXXX, Reported to them on XX/XX/XXXX. The account number listed is for a different person. The original debt was for us. They are reporting it as open and still an outstanding balance. They have also agreed to remove the accounts and are now saying that it is not in their practice to remove any accounts. I have been told several stories as to what is going on in this account including it being paid and reported as paid in full to they sold it to another agency. Dispute was filed on XX/XX/XXXX and they have yet to respond to the dispute. On XX/XX/XXXX called to get receipts of items paid and to find out more about this talked to XXXX twice over at medicredit and was told 2 different things. They can see that I have paid it, but are unsure why it is still saying owed. Then the second time was that they sold the account and couldn't tell me to who. I am extremely concerned with their practices and feel this is unfair reporting since it was paid!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Regular Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX These inquiries should not be on my Consumer Credit 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 explanation
Consumer complaint received 2017-10-22
Company: ENCORE CAPITAL GROUP 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: Their investigation did not fix an error on your report

Complaint:
I have previously filed a complaint against XXXX XXXX XXXX XXXX in regards to a XXXX XXXX collection account that was originally a XXXX XXXX credit card account. They have still failed to rectify the issues I have raised about this account. I have had several issues in attempting to contact them for information about this " debt '' and in getting proper original account verification. I even tried to contact them just to settle it in order to get it taken care of and over with. I contacted XXXX XXXX and they told me they were not servicing the account. I do n't understand why they can not assist me with the account or say they are not servicing it but they are the ones still reporting this to the credit bureaus. I have disputed this and failed to have it removed. They have failed to proactively respond to my concerns and complaints and they have failed to report my disputes expressed to them directly to the credit reporting agencies. Is this not a violation of FCRA 623 ( a ) ( 3 )? Not only that, but it appears that XXXX XXXX has re-aged my account in an attempt to further harm my credit and continue past the statute of limitations to collect this " debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: GA
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:
Equifax did not do their due diligence with investigating these erroneous errors on my consumer report. I have sent several disputes regarding inaccurate and incomplete information reporting, demanding that these challenged items be permanently removed. Equifax is unlawfully publishing inaccurate information and I am being punished due to their negligence. I have attached current proof as of XX/XX/2022 showing XXXX reporting XXXX late payments on XXXX  XXXX XXXX account # XXXX and Equifax reporting XXXX late payments on XXXX  XXXX XXXX  XXXX  account # XXXX. How could this be considered accurate and fair? Equifax verified inaccurate information as accurate causing me to suffer tremendously! The vital role that Equifax assumed should strive to be more responsible with dealing with the consumer and public confidence. This has effected my life drastically as I am trying to purchase a home for my family and I and these road blocks have stopped me. Equifax 's failure to remove these erroneous items have caused me extreme stress and anxiety. My privacy has been invaded due to Equifax 's continued act of publishing inaccurate information on my consumer report and me being continuously denied due to inaccurate information reporting on consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX The majority of these are doubled, back to back dates and inquiries that I have no idea about, if you go through my hard inquiries youll see that they arent even something that I dont even understand. But, the list above is just a few inquiries that shouldnt be on there that have been posted multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Credit card with Capital One CC. I charged something for some one else, and sent in his check to pay the bill. Capital One has now frozen my credit card, and kept over {$2200.00} in cash rewards. They called the issuer of the check, who confirmed that he gave me the check, but they still wont unfreeze my card or give me back my rewards cash

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
Equifax is reporting my name including the suffix Jr. I have mailed letters, faxed and called for several months. I have sent all requested documents and they continue to not report my name accurately. I have sent government ID, social, etc

Company response to consumer: Closed with explanation