BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a co-branded XXXX XXXX issued by Capital One. XXXX uses less than stellar practices when the card is used online for store pickup. When placing your order, they generally get an authorization greater than the amount of purchase when you by weighted goods. I have no problem with that. My problem is that they d not submit the charge under the same authorization number. Instead, upon pickup, they send a second charge for the final amount through. The original authorization often does not fall off for 10 days although the final charge haas cleared the account causing declined transactions. 

This is not a one off but a standard practice according customer service. A charger should be presented on the same authorization thereby zeroing it out. The limit on the card is so low, that I have had my card declined in store a week later due to.n authorization that should have been zeroed out by the purchase however, they let the authorization ride for the 10 days it takes to fill off by the issuers rules. 

XXXX should not have twice as much of your credit line utilized as your purchase I believe that this practice is also illegal. Just this week, I had a XXXX subscription declined with another company because their initial authorization on a cleared transaction not only maxed out my bailable credit but appeared to show show my card over limit. The actual transaction cleared nearly a week before my card was declined, XXXX encourages customers to use curbside pickup as this gives 5 % cash back where in store shopping only gives 1 %. This deceptive and borderline illegal practice must stop. I was offered XXXX for my inconvenience. This does not repair the relationship with the other merchant whose transaction was declined due to XXXX over authorization. 

On more than one occasion I have not been able to use my card for basically the only reason I got it - grocery shopping. 

Further, the issuer should know better than to allow this practice to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I only want my online access un-restricted so that I may apply for a credit card. I do not want a savings account. I repeat : I do not want a savings account. I do not want a savings account. I want my online access available so that I may apply for the My GM Rewards Mastercard. I want my online access available so that I may apply for the My GM Rewards Mastercard to complement my new vehicle purchase. The savings department is blocking my online access. I do not want a savings account. I only want my online access restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home loan was formerly with Ocwen, however on XX/XX/19 PHH Mortgage services took over the loan. on XX/XX/19 i submitted a payment in the amout of {$1800.00} that was a direct withdraw from my checking account and PHH rejected the payment, they sent a check to me in the mail that was made out to them with my property address on the check with no explanation as to what the fake looking check was, I contacted PHH and was told that the payment went to " the wrong mailing address '' and could not get an answer as to why my payment was rejected. On, XX/XX/19 I then scheduled another withdraw from my account that was rejected again. i again called PHH and was told to send the payment by paper check to XXXX, PA so on XX/XX/19 i sent a paper check for {$1400.00} and it too was sent back to me with the reason being that it was not enough to cover the whole payment which by this point is now several months behind. I made another call to PHH on XX/XX/19 and was told that a packed would be sent to me in the mail for a possibility of a loan modification, due to the fact that i was on medical leave and was off of work without pay for 5 weeks. i am now back to work full time, explained that to the gentleman on the phone who asked several financial questions and stated that we did qualify for the modification and we still have not received anything in the mail. I am very upset with the thoughts that I could be facing foreclosure when I have made efforts to pay my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX ACC # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

I have also disputed this issue with the XXXX credit bureaus and they have stated they have investigated this but it seems they have not. I am requesting proof of the investigation and also proof of what was used to validate this late payment. I am also requesting the bank statement of the original creditor that is claiming I am late. I would like proof of the date they claim they received the payment. Unless there is a bank statement proving that the payment was actually late, from their bank, it is not LEGALLY verifiable and needs to be removed. 

They are ALSO stating that they investigated but there are old dates from XXXX showing, yet I disputed most recently in XXXX. 
XXXX  : XX/XX/23 XXXX : XX/XX/23 Equifax : XX/XX/23 Attached is XXXX payments made in XXXX, in the midst of which they claimed payments were late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CITIBANK, N.A.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They threaten to damage my credit report which they did Call me everyday and threaten to sue me brandsource

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 2019-01-25
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sold my home in XXXX of 2018. I've been waiting for escrow reimbursement circa {$1800.00}. I've called several times and have not been paid the overage. Ditech advised that they would send me a check and I still haven't received it. 
I've tried to escalate and was told they sent the check to the property address even after I supplied my forwarding address. I have been unable to reach anyone to resolve the issue. Ditech has been unfair and deceptive to say the least. The house was paid off in good faith and I want the money that I have paid into escrow that is owed to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
5 Clients with possible information Breach Inbox XXXX XXXX XXXX XXXX XXXX, 2022, XXXX PM ( XXXX hours ago ) to XXXX : me Dear XXXX family, We are writing to you because of an incident involving access to your physical folder here at XXXX XXXX XXXX. Although we are unaware of any actual misuse of your information, we are providing notice to you and XXXX additional clients may have been affected by the incident, and about tools you can use to protect yourself against possible identity theft or fraud. 

What Happened? 

We were informed on XX/XX/2022, about the most recent breach incident. Law enforcement is investigating and asked that notification to customers be delayed allowing the investigation to move forward. 

What Are We Doing? 

Our team is working with all three credit bureaus and can assist you with issuing a fraud alert for you and each potentially affected client. Contact numbers : XXXX XXXX XXXX XXXX TransUnion XXXX. You only need to place XXXX fraud alert with 1 of the 3 Bureaus and it transfers over. 

What Can You Do? 


If you have additional concerns and/or questions please reach to our CEO XXXX XXXX XXXX directly at this contact number XXXX For more information on identity theft, we suggest that you visit the website of the Pennsylvania Office of Privacy Protection at XXXX : XXXX -- Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2022-04-07
Company: Penn Credit Corporation
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with PENN CREDIT CORPORATION. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have no knowledge of the following accounts : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX These accounts were created without my knowledge. I tried to even pay on them to save my credit but was advised to stop per my lawyer. 

I couldnt save the fraud report but the reference number is XXXX Please remove the accounts.

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 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It came to my attention that my file has been merged with my fathers file which is clearly erroneous. 
I took the liberty of writing to this company on XX/XX/XXXX, with  clear instruction differentiating my fathers data with mine. 
our personal info detail differs from one another. 
My fathers name : XXXX XXXX XXXX, My fathers Social security number : XXXX XXXX XXXX, My fathers date of Birth : XX/XX/XXXX. 
This is my information : My names are : XXXX XXXX XXXX XXXX, My social Security number : XXXX, My Date of Birth : XX/XX/XXXX. 
Unfortunately, with all my detailed differences, this company still went ahead and kept reporting both our data merged until now. Yet again the following accounts are not mine and I need removed asap : XXXX XXXX XXXX, CA XXXX This is not my address, please delete XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX- Not mine, please delete XXXX XXXX XXXX XXXX XXXX , CA XXXX Not mine, please delete XXXX   XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize what this is, please delete asap XXXX XXXX XXXX # XXXX I have no knowledge of this account please delete I am looking at taking legal action if my data is not separated from my data. 
Attached here with is the first dispute I sent to this company.

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 2023-10-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: United Shore Financial Services, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from UWM saying we did NOT make our XX/XX/XXXX payment. I checked my account and we paid {$2100.00} on XX/XX/XXXX and then another {$100.00} paid on XX/XX/XXXX to cover the payment. I have payments automatically sent thru our account, our XXXX changed which I covered with the additional {$100.00} on XX/XX/XXXX. Please note my check was cashed on XX/XX/XXXX by UWM XXXX weeks after it was mailed, but still before it was considered late on XX/XX/XXXX. 

Then on XX/XX/XXXX another {$2100.00} was mailed and cashed by UWM on XX/XX/XXXX. I did NOT send in the additional money this time because I started getting these DELINQUENT NOTICES. Future payments will be the correct amount, Ive just had XXXX family deaths this year and Im the only child that is helping my parents and have been in Arizona quite a bit this year helping. 

So on Friday XX/XX/XXXX, I called the XXXX number listed in the DELINQUENT NOTICE, it was a collection company. When I explained I had proof in front of me that my payments were made and cashed by UWM, I was transferred to UWM. The first lady looked up my account, she stated that UWM had refunded and mailed me a check on XX/XX/XXXX because the payments were not EXACTLY right. As you will see from my banking account for this year, this has never been a problem before with additional payments being sent in. I HAVE NOT RECEIVED ANY checks, and UWM has {$4300.00} of my money right now in the payments I made. I asked to speak to a supervisor because I was getting frustrated, I was transferred 5 times, and not XXXX was a supervisor. Then I was told they were transferring me back to collections and I should make payment arrangements. At that point I just hung up because I was getting nowhere. Proof of payments and copy of bank report attached. 

On XX/XX/XXXX Mark and I decided since our house is being threatened, I scrounged up the money and called in MORE money {$4400.00} when I already paid you {$4300.00} for those 2 months. This seems like fraud on so many levels! 

I want the late fees removed, I want our credit fixed! And PLEASE sell our loan!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is reporting false information. XXXX XXXX XXXX is a creditor for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Complaint again st Ocwen Financial Corporation Date   XXXX / XXXX / XXXX  It is with some urgency that I write to you about  Ocwen Financial Corporation.  Apparently, they hold a Deed of Trust against my property at  XXXX   XXXX   XXXX   XXXX ,  XXXX  Ca  XXXX  and appear to be unwilling to remove this lien even though I have never held a mortgage with this company and do not owe them a penny.   On  XXXX / XXXX / XXXX  my wife and I signed documents for a mortgage with a company called  XXXX   XXXX   XXXX  but then was offered a better mortgage package at a much better interest rate with   XXXX   XXXX   XXXX   a day later. I then rescinded the mortgage with  XXXX   XXXX   XXXX  within the 3 days allowed and the mortgage was never funded but they still went ahead and filed a Deed of Trust against my property without cause.   XXXX   XXXX   XXXX   went out of business later that year.  Ocwen Financial inhe rited some of   XXXX   XXXX   XXXX   book of business and the lien was transferred from  XXXX   XXXX   XXXX  to  Ocwen Financial.    I have never had any business with  Ocwen Financial,  they do not have me in their system, and they have no account number or any knowledge of any existing debt to them owed by us. Our home loan with   XXXX   XXXX   XXXX   was sold to   XXXX   XXXX   who is our current lender and holder of our legitimate lien.   My wife and I are currently refinancing our mortgage with  XXXX  and when they did a title search six weeks ago,  XXXX  found this second lien. There have been repeated attempts over these last  six  weeks by  XXXX   XXXX  of   XXXX   XXXX   (  XXXX  ) to get Ocwen to remove this fraudulent lien. After sending faxed documents and emails confirming that they have no legal right to hold a lien against our property, there has been no response. I was just notified last week of this situation and tried callin g Ocwen Financial pe rsonally.  XXXX  ( #  XXXX  ) assured me that they would respond within  24-48  hours, which was the same response  XXXX   XXXX  received. I have no confidence that I will be treated any differently.   My wife and I are supposed to sign final documents for our refinance on  XXXX   XXXX ,  XXXX  to secure an affordable monthly payment. The lien held by  Ocwen  is preventing our closing of the loan on that date and the new payment without the refinance will put a significant financial strain on the household. This Lien also takes away the option to sell our property if needed.   Resolution.   We ne ed Ocwen Financial to remove this lien within the next five days for us to close the  refinance with  XXXX  Mortgage. If they remove it past that time, then they should reimburse any out of pocket expenses due to not closing the refinance with  XXXX  by  XXXX   XXXX ,  XXXX .  Ocwen Financial Lien Release  Department had  6 w eeks to resolve this issue and have completely ignored our repeated request to do so.

Company response to consumer: Closed with explanation