BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XX/XX/2023. Portfolio Recovery called me at XXXX XXXX. I answered and stated do not KEEP HARASSING ME AT XXXX XXXX. I am asleep.. And they hung up without saying anything, because they know theyre breaking the law. 

Im incredibly frustrated bc I do not sleep well or enough, and its one of the worst things to do when Im recovering from XXXX, and a XXXX. Woke me up from sleep. This is the second day in a row they have called me between the hours of XXXX and XXXX. 

Yesterday XX/XX/2023 they called me at XXXXXXXX XXXX. Which I picked up and stated IT IS XXXX PLEASE DO NOT CALL ME AND HARASS ME AT XXXX XXXX XXXX XXXX. They hung up without saying anything. 

I have screenshots that show the calls time, and number- and this is not the first instance of this. 
Ive had at least 10 other calls over the last 6 months or year that have been in the hours before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The credit bureaus have ignored my attempts to have this negative account removed from my credit report. Comenity Bank has sold the three accounts that originated to them to debt collection companies. If theyve sold they debt, they should no longer report the debt is owed to them on my credit report and it should removed entirely as they are inaccurately reporting on my credit and misrepresenting themselves as the Owner of the debt with Ann Taylor, The Childrens Place and Victorias Secret. The Credit Bureau has continually ignored my requests to have this inaccuracy deleted and it has prevented me from being extended credit in different circumstances. I asked them to provide me with proof of write off/1099c form for charged off debt, they did not, they sold this date long ago and they are still attempting to collect on it. Please delete these three inaccurate accounts from my report immediately as they are in violation of the FCRA and 15 USC 1692 G validation of debt. Because they dont own they debt, how are they validating it as accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRIAD FINANCIAL SERVICES, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Morgage company keeps changing amounts due and not helping with issue

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Williams and Fudge, a debt collection agency, regarding an unauthorized disclosure and claim of a debt that I do not owe. I was contacted by the company, and to my astonishment, they appeared to have access to my personal information, the procurement of which remains a mystery to me as I have never willingly or knowingly provided them with such details. It concerns me deeply that my private data is in their possession without my consent. 

Furthermore, the agency has been attempting to collect a debt they allege I owe. This accusation is false and baseless. To my knowledge, I have not incurred the debt they are asserting, and I have not received any valid proof of this obligation from them, which infringes upon my rights under the Fair Debt Collection Practices Act ( FDCPA ). This experience has caused significant distress and inconvenience as I have been forced to devote my resources to refute a debt that is unjust and fictitious. 

Given these circumstances, I request the CFPB 's assistance in investigating this matter. The practices employed by Williams and Fudge in this instance seem to infringe upon my consumer rights, and I am deeply concerned about the potential ramifications this could have on my personal and financial wellbeing. 

Thank you for your time and consideration. I hope for a swift and fair resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I currently work for XXXX  of XXXX  and XXXX Arizona, when payday comes I go to the nearest ATM to withdraw money to give to my sister for rent as I am Currently living with her, I pay {$260.00} in rent and every time I go to the ATM I am immediately gouged for withdrawing money and I don't understand why. the date that this happened today 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 2023-06-23
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to address a critical matter concerning the 30-day late payments that are being reported on my consumer credit report by JPMC. It has come to my attention that the inclusion of this information on my consumer report violates my right to privacy. According to the Fair Debt Collection Practices Act ( FDCPA ), transactions should not be included in a consumer report. However, stating that I am 30 days late implies a transaction, thus infringing upon my rights. Therefore, I demand the immediate removal of this inaccurate information from my consumer report. 
The reporting of 30-day late payments on my consumer credit report is not only inaccurate but also damaging to my reputation and creditworthiness. This misinformation has resulted in denials on credit applications and has created significant hurdles for me in securing credit on fair and accurate terms. It is imperative that this incorrect information is promptly removed to protect my privacy, reputation, and financial well-being. 
In accordance with the FDCPA, it is my right to request the removal of inaccurate and misleading information from my consumer report. I kindly request that you take immediate action to investigate this matter and rectify the reporting of 30-day late payments. Failure to comply with this request will leave me no choice but to pursue legal action to protect my rights and seek appropriate remedies. In such a case, I will seek actual damages caused by these inaccuracies and violations, and I will request the court to award punitive damages to address the harm caused to my financial well-being and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The years between XXXX and XXXX, my old co workers from XXXX XXXX named XXXX and XXXX. I don't know their last names. We used to work together at XXXX XXXX XXXX under our boss XXXX XXXX. I believe that XXXX opened my Chase bank account auto loan in my name and was trying to get a fruadulent auto loans in my name. She has a gas station credit card in my name. Both of them XXXX and XXXX keep complaining and wants me to buy too many cars. Also, they were trying to get a fruadulent home mortgage loans and home title in my name. They always being contacted by my employers and all of applications where I applied to and always accessing in my accounts ( XXXX page, email addresses, and cell phone accounts ) They have my identity and fake driver 's license in my name. They are trying to steal my money in savings accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: HW Holding, Inc
State: NY
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:
As of XX/XX/2021, I noticed a collections account pop up on my credit report that I am not aware of. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/23 I reserved a rental car from the website XXXX. When I showed up to pick it up, I was advised by the XXXX XXXX that I would be unable to rent the vehicle after all and I would get a full refund. He stated this was due to the fact that I only had my Bank of America debit card and not a credit card. Even though the website specifically states a debit card is acceptable. I was charged in full for the vehicle rental in the amount of {$130.00}. I disputed this with XXXX and with Bank of America. XXXX has stated they submitted " documentation '' ( attached ) that I did in fact rent the vehicle, however that provided documentation proves nothing. Their website even shows the rental was " cancelled ''. I still have not received my money back.

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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX Balance : {$300000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}

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 2023-06-23
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Venmo froze my account of over {$2000.00} on XX/XX/XXXX. 

After responding to their email notifying me of the freeze, and verifying my identity, my account remains frozen. 

They have not responded to my email requesting an update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: BARCLAYS BANK DELAWARE
State: MD
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:
Barclays Bank of Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate info on all 3 of my credit reports ( XXXX, XXXX, XXXX ) . The account has been paid off and the third party collection agency has deleted their trade line from my credit report. The creditor has agreed to remove this charge off from my credit reports but it is still reporting each month. I have disputed this account through each of my credit reporting agencies but they all validate the data with no changes.

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 2023-06-26
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paid {$50.00} to hold a refrigerator via PayPal on XXXX XXXX. When the " seller '' starting asking for more money, we said " no and please refund us our money '' they shut down the account being used and removed themselves from the chat ( I have screenshots of the chat as well as some of the user data before they removed it ). 

I submitted a complaint to PayPal with the same info above, and they responded with " This looks like a normal transaction so we aren't going to do anything. '' The user also removed their profile from PayPal so I can't contact them directly like PayPal directs me to. I'm attempting to escalate the issue via PayPal but don't see where i can do that. 

I guess if it feels like a scam, it is one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an online checking account with Citi Bank following their website for a priority bank account which states following on their website. " Open an eligible Checking Account from XXXX - XXXX and earn a cash bonus of {$200.00}, {$500.00}, {$1000.00}, {$1500.00} or {$2000.00} when you complete required activities.1 To unlock your bonus, deposit qualifying funds within 20 days of account opening and maintain your balance for an additional 60 days starting at the XXXX day. Only new checking customers can take advantage of this offer. TO GET STARTED, CHOOSE AN ACCOUNT To enroll in this offer, you must apply directly from this page. Opening an account does not guarantee that you meet eligibility requirements. '' This was the similar promotion for month of XX/XX/2023 when I opened my account. I followed all instructions and they even confirmed me on the phone that all the conditions are met to get a reward. After speaking to the Citi agent according to them there is no offer attached to my account which is contrary to what they claim on their website. I feel they are not staying to true to their words

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 2023-06-26
Company: National Credit Adjusters, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the fair credit reporting act convergent 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 an account without my written instructions. 15 U.S. Code s 1681a- Definitions ; rules of construction- Exclusions-Except as provided in paragraph.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have excellent credit and applied for a savings account at XXXX XXXX on XX/XX/2023. I was refused and told that ChexSystems was the credit reporting agency. 

Note : XXXXXXXX XXXX is an online bank, applications are done via a web form. The application would not accept my last name as correctly spelled XXXX. The apostrophe was not allowed. I used XXXX instead. 

When I used ChexSystems ' online request form to obtain my consumer disclosure on XX/XX/2023, after completing the form and submitting it, the web page went into an " endless spinning '' mode and never confirmed submission. 

Since the online request form was broken, I tried using the automated voice system provided by ChexSystems. Again, when having to say and spell my last name, the system was unable to understand what an apostrophe is and failed to be able to capture my last name correctly. I proceeded with using " XXXX '' instead. 

I am concerned that there are many thousands of customers of XXXX XXXX  that have apostrophes in their names, and that due to poorly designed automated systems used by banks and credit reporting agencies, consumers are being denied services. 

Further, because the name can not be accurately represented in their systems, I am concerned that ChexSystems is using error-prone name matching heuristics and inappropriately matching my ID to someone with poor credit. This may be happening to many thousands of people having ancestry/backgrounds that feature names that the designers of these computer systems have decided is not worth the effort to get right. 

We should hold these systems accountable for the highest quality and rigorous standards in software development -- they can and should be able to represent names containing apostrophes. The fact they can't is a leading indicator of poor practices and security vulnerabilities.

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 2023-06-27
Company: AMERICAN HONDA FINANCE CORP
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Co XXXX XXXX 15 U.S. Code $ 1681c- 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items immediately.

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
789.89 % is beyond predatory. At this point I have more than paid back my loan but no one should be expected to pay over {$11000.00} for a {$1200.00} loan. At the very least they should not be allowed to have consumers from the state of CA were there are laws established to protect people from this very thing. THIS IS THE TEXTBOOK DEFINITION ON LOANSHARKING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage through Mr. Cooper. 

I am charged through them in escrow for both insurance and tax. 

They have not paid out either in years, and they are now trying to force a ( far more expensive ) insurance policy on me, as well as drastically increasing my escrow payment. 

They have not refunded any escrow for unpaid accounts, ( as such, they ow me tens of thousands of dollars ), and refuse to accept my policy ( through XXXX - paid in full and updated. ) There is no phone number they have given me which allows me to talk to a human or to prove resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/, CCS COLLECTIONS opened a collection. 
{$180.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureau 's. 

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 2023-08-23
Company: AmOne Corp.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I contacted XXXX about a loan specifically because my credit is currently in bad shape due to personal issues over the past few years. I don't have a problem with the fact that they denied me, as I thought they probably would. 

My problem arises from the fact that, rather than telling me they could not make a loan to me, the representative told me there were some marks on my credit and that he was going to transfer me to an associate to see what they could do to help me. He said that after I spoke with that person we could take a look at loan options again. 

This was deceptive, however, as he knew I'd been denied a loan and he transferred me to a credit repair service so they could pitch their services and offer to help repair my credit for between {$150.00} to {$200.00} or more per month. After the call I looked in my email and found I had already received the legally required " you've been denied a loan, here 's the credit agency info if you want to find out why '' notice while the new rep while trying to sell me credit repair services. They knew I had been rejected. They could have told me so. 

I know how to repair my credit. I don't need a service. I was trying to get the loan as part of my own repair process so that I could show regular on-time payments. 

I don't appreciate that, since XXXX couldn't make money off me through a loan, they tried to sell me to a credit repair agency as a means to still make money off of me.

Company response to consumer: Closed with explanation