BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX of 2015 I sent in an auto payment enrollment form to Bank of America to set up an auto payment for a credit card. They never set up the auto payment and then reported missed payments for XXXX and XXXX. This is wrong reporting.

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 2017-11-21
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a purchase using care credit at or around XX/XX/XXXX. Synchrony Bank took over Care Credit and my account. The original agreement was that if I paid off the balance within 18 months, ( which is pretty unrealistic considering the amount of the purchase ) there would be no interest charges. My understanding was after 18 months you will be charged interest on NEW purchases. Well after that 18 months I was billed over {$3000.00} in interest which put my account OVER the credit limit. I continued to attempt to pay down my balance. My problem now is IF I was billed for the interest on my purchase already how am I still being charged interest if my account is closed and there are no further purchases made? Synchrony Bank has hidden fees and over charges on interest. My interest charge monthly is very close to my minimun payment which makes my balance go NOWHERE! I requested some type of settlement in order to help get it paid off, but they declined to assist. I have paid on my balance on time every month since XXXX. They would rather collect your money because they are a TERRIBLE business with unrealistic business practices. All they say is to read the credit card agreement which no where states that you will be double charged on interest. Never use 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 2019-09-28
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've reviewed this debt the medical company is trying to claim. I requested signed proof of those services. They have yet to provide those documents of services rendered. I know they aren't mine due to the dates they claim service was done. They failed to provide me anything and went straight to report my account to credit bureaus. My account was fraudulently used. I have a company I hired to investigate. This transaction is damaging my score and need this removed. They failed to provide docs which is a federal fair credit act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
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:
I am in the process of refinancing my VA loan with XXXX XXXX XXXX   which was in the closing process when a credit reporting company ( XXXX XXXX XXXX XXXX reported an incorrect payment record on my Citizens One Bank home mortgage loan. This caused a crash in my FICO credit rating and my refinance application to be rejected. Citizens One bank my current mortgage lender ALSO through a process of malfeasance reports my correct payment record on their web site BUT reported two ( 2 ) monthly payments 30 days late. to XXXX XXXX XXXX  AND all three credit reporting agencies, My account is CURRENT and paid up to date BUT both Citizens One and XXXX XXXX XXXX intentionally misreported my actual payment record, causing 1 ) my refinance loan to be rejected and 2 ) my FICO  credit rating to be REDUCED from XXXX to XXXX. These illegal reports of late payments have caused me great harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: FL
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 disputed a XXXX XXXX account reporting on my Equifax and XXXX  reports for over a year and the credit bureaus keep reporting inaccurate information on my reports like payment history, amounts owed that has gotten me denied for credit applications numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: MARINER FINANCE, LLC
State: IL
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:
I filed a complaint with you against Mariner Finance XXXX IL and XXXX within the last month and they finally refinanced my one loan I have with them to 12 mo with a XXXX mo payment so I can get it paid off but are NOT reporting my payment amount, term of loan months or last payments made for the last two months!!! They also did not note on each of my prior loans closed and refinanced as all banks and loan companies do!!! They also made me borrow {$200.00} more in order to refinance it down to a year of payments instead of the four they were trying to gouge me for!!! I want this report corrected NOW! I want them fined for every error they made as they are doing this intentionally!!! I want a corrected copy of all three of my credit reports mailed to me paper form and to your office so you have proof!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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:
Went to a car dealership and they sent up multiple hard inquiries that I did not consent to. I only wanted one inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
TransUnion is reporting a charge off from XXXX XXXX that is not mine. I attempted to correct the problem with XXXX XXXX, which while acknowledging the problem over the phone XXXX XXXX did nothing to remove the bogus account and charged off a balance due that was not mine. TransUnion did nothing more than contact XXXX XXXX, which verified the debt. In my dispute I suggested that TransUnion demand documentation from XXXX XXXX that would support the balance due, such as loan documents, account statements, etc. ( which simply don't exist and which I requested from XXXX XXXX and were never produced ). TransUnion has done nothing to truly investigate this dispute and has provided me with no information other than XXXX XXXX verified the claim. Furthermore, XXXX XXXX, has created a false history to support the bogus debt. I have no accounts with XXXX XXXX  and haven't had since XXXX. XXXX XXXX shows a payment history up through XXXX on an account that is identified as a 60 month loan, that never occurred. I started receiving notices from XXXX in XXXX and promptly called XXXX XXXX  demanding they fix the error. XXXX XXXX did nothing, provided no documents to support their claim. XXXX XXXX and TransUnion have violated the law and should be held accountable.

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 2020-12-16
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 XXXX XXXX at signature home lending is Denying the use of and verification of monies for Grant and homebuyers assistance programs. Lender is stating they want the use of XXXX assets and or Cash on hand only.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report there is an account that has been placed in collection on my report that I have no idea what it is. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2018 {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account does not belong to me and the only Bureau this is reporting to in 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 2019-09-28
Company: ORG GC GP Buyer, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
- On or about XX/XX/2019, the Trust received from GC SERVICES LIMITED PARTNERSHIP ( GCSLP ) an unsolicited, one page presentment ( Exhibit 1 )  alleging an indebtedness owed by the Trust to an alleged identified as XXXX XXXX XXXX XXXX, XXXX. ( XXXX ). 

- In response, on XX/XX/2019 via USPS CERTIFIED MAIL, I sent to GCSLP a letter demanding the validation of the alleged debt and the production of and delivery to me the unaltered, unredacted, recto and verso, original instrument of indebtedness pursuant to my right and entitlement to an exercise of equity and legal right of subrogation. 

- Please see attached documents of proof of me sending the letter and its receipt by GCSLP. In addition to that, please note that they are ignoring my request to modify account as satisfied, paid as agreed, which would result in changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 

- It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, PA XXXX DOB : XX/XX/XXXX S S N :  XXXX XXXX XXXX Date : XX/XX/XXXX Dear, Re : XXXX XXXX XXXX   XXXX, US DEPARTMENT OF EDU XXXX This is a request for deletion of these disputed items. I have attempted to have this inaccurate and incomplete reporting verified by the furnisher of information to no avail. I am respectfully requesting that you do what is legally mandated by the FCRA and delete the account listing from my consumer file because it is unverifiable. 
You received a notice of dispute from me resulting in you advising me that the account had been verified. Knowing that the information could not in fact be verified, I proceeded to dispute the information and request verification directly from the furnisher of information, as the FCRA provides. After disputing with the furnisher, they have failed to provide any proof or respond in any way. In fact - after THREE letters to them they have STILL not responded which started over 90 days ago! 
The FCRA states that information reported must be accurate and complete, updated and verifiable. It also provides for a dispute mechanism that is initiated by the consumer through the consumer reporting agency and the furnisher of information. As detailed above, I have disputed the information for the referenced account, with both you and the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 
The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance with its provisions. It is evident that the information reported can not be verified and therefore must be deleted as required. When a debt is disputed under either mechanism, a notation must be entered on the debtor 's report showing the item as being in dispute. Again, this was not done and is a further violation of the FCRA. 
Pursuant to the FCRA, if no proof of debt exists and the information reported is not verifiable, it may not be furnished to the consumer reporting agenices nor reported by them. The FCRA also states that consumer reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. 

Thank you for your time

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 2020-05-01
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan in XXXX. I am elderly and only get {$390.00} a month for Social Security. I have been making payments when I can but I can't pay the {$240.00} payments they want, so every month I call and make arrangements to pay {$100.00} a month which is affordable to me. The company knew when I signed up that I only get {$390.00} a month! This month has been bad..I have had the " flu '' and forgot to call them! When I did call them the lady on the line was very abrupt with me and assured me that this debt would be sent to a COLLECTION AGENCY..no ifs, no ands, no buts. She didn't even make an effort to help me!! Then, imagine my surprise when I check my bank account and find that I am NEGATIVE {$880.00}!!! 
All because this company decided to suddenly collect all the money I couldn't pay on the loan.. So..now, not only do I owe the loan company but I owe the bank all this money now too!! PLEASE PLEASE PLEASE help me!! I don't have any paperwork because everything was done online!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Experian Information Solutions Inc.
State: PA
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, PA XXXX DOB : XX/XX/XXXX S S N : XXXX XXXX XXXX Date : XX/XX/XXXX Dear, Re : XXXX XXXX XXXX   XXXX, US DEPARTMENT OF EDU XXXX This is a request for deletion of these disputed items. I have attempted to have this inaccurate and incomplete reporting verified by the furnisher of information to no avail. I am respectfully requesting that you do what is legally mandated by the FCRA and delete the account listing from my consumer file because it is unverifiable. 
You received a notice of dispute from me resulting in you advising me that the account had been verified. Knowing that the information could not in fact be verified, I proceeded to dispute the information and request verification directly from the furnisher of information, as the FCRA provides. After disputing with the furnisher, they have failed to provide any proof or respond in any way. In fact - after THREE letters to them they have STILL not  responded which started over 90 days ago! 
The FCRA states that information reported must be accurate and complete, updated and verifiable. It also provides for a dispute mechanism that is initiated by the consumer through the consumer reporting agency and the furnisher of information. As detailed above, I have disputed the information for the referenced account, with both you and the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 
The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance with its provisions. It is evident that the information reported can not be verified and therefore must be deleted as required. When a debt is disputed under either mechanism, a notation must be entered on the debtor 's report showing the item as being in dispute. Again, this was not done and is a further violation of the FCRA. 
Pursuant to the FCRA, if no proof of debt exists and the information reported is not verifiable, it may not be furnished to the consumer reporting agenices nor reported by them. The FCRA also states that consumer reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. 

Thank you for your time

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 2019-09-28
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened a new customer new checking account on the promotion page of Chase bank. On that page it stated if u opened a new account and got a direct deposit set up within the first 60 days u get XXXX dollars. I got my account set up and my deposit came in 2 weeks later. I waited the 10 days it said before the promotional money would be deposited into bank account and never received it. I spoke to XXXX on the phone from customer support on the XX/XX/XXXX and he told me that it hadn't been 10 days quite yet and to wait a couple more days till XXXX. The XXXX came and went and nothing. That Saturday the XX/XX/XXXX I went into a branch in XXXX Idaho. It was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to a short haired woman who told me that because a coupon was not attached I would not be reviewing that money but that I could call customer support again and they should be able to attach a coupon. Minutes after I contacted customer support again and they told me unfortunately they couldn't give it to me because coupon wasn't attached. I didn't realize the coupon wasn't attached and I specifically let them know. I'm upset because like everyone else I did what I was supposed to in order to receive my promotion. I want my promotion that everyone else got. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
AFTER COMPLETED MODIFY TRAIL LOAN,  AYMENTS IN FULL WITH OUT NO MISS. 
PAYMENTS. {$2500.00} THEN 2 MONTHS LATER XXXX XXXX XXXX SAID MODIFY LOAN IS DENIED.. AFTER TAKEN MY PAYMENTS.AUCTION MY HOME ON XX/XX/XXXX TO ASAANJI -MUHAMMAD XXXX, XXXX GA.WHOM WAS ALSO XXXX PROPERTY..SEE XXXX COUNTY COURT RECORDS TO PUBLIC . OCWEN ATTONEY SAID THEY HAD SOLD THE HOME. FORCE TO MOVE OUT.. 

NEW OWNER A SAID THEYPAID $ XXXX NEW OWNER-XXXX   REALTOR .CAME BY THE HOME AT XXXX XXXX XXXX XXXX XXXX. PER NEW OWNER IN XX/XX/XXXX BY HOME. OWNER GAVE ME 40 DAYS TO MOVE. I NEEDED MORE TIME BECAUSE OF DISABLITY PERSON IN HOME. 
AND IM OVER XXXX OLD..SUCH SCAM IN XXXX XXXX GA I HAD TO GET ATTORNEY TO STOP DISP0SSESSOR OR EDVICTIONS. XX/XX/XXXX XXXX XXXX AFTER XXXX NON-CONTACT..TO ME. XXXX SOLD XXXX XXXX XXXX TO XXXX WHICH CLOSED ON HOME XX/XX/XXXX SO I HIRE ATTORNEY WHOM INFORM THEM OF WRONGFUL FORCLOSE AND TO FIX THE PROBLEM XXXX HAD.AGREED AFTER PAYING $ $ $ .PAID OCWEN $ $ .. TOO... 

LATER XX/XX/XXXX I FILE COMPLAINT WITH MY XXXX DISTRICT CONGRESSMAN XXXX XXXX XXXX. WHOM A XXXX XXXX, HAS CONTACTED OWCEN REQUESTING PAYMENT HISTORY..MISAPPLIED NON-RESPONSES BY OCWEN. 
LAST WEEK XXXX XXXX EMAIL SAID HE WOULD ALSO WORK ON THIS.HE WOULD HELP..FILL FREE TO CONTACT HIM FIRST HOME BUYING. XXXX XXXX XXXX. XXXX.THOUGH XXXX.THEN XXXX XXXX, XXXX. XXXX OCWEN. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: CHECK INTO CASH INC.
State: WI
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:
I contacted all three credit bureaus through certified letters via the United States postal service over 30 days ago to have them investigate and remove this hard inquiry off of my credit reports. They have not responded this check into cash hit my credit report on XX/XX/18. I have not heard from the bureaus about my dispute request which violates the FCRA law, the credit bureaus has a responsibility to report accurate information and to respond to consumers in a timely manner.

Company response to consumer: Closed with explanation