BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for auto payments for my mortgage payments. My loan was sold to another bank and I was never notified. I missed 9 payments becuase I thought I was on auto withdrawals. When I spoke to them, they said there was a system error and that's why I never recieved notifications. I was also never notified that my payments were late late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened a credit card account in my name with Comenity Bank/Sony Visa. I have been in correspondence with representatives from Comenity Bank since XXXX, 2021. I have informed Comenity Bank that I did not open the account. The person who opened the account used my personal information and assumed my identity. On XXXX, XXXX 2021 I sent Comenity Bank a letter with the FTC Identity Theft Report. Comenity Bank has ignored my claims, stating that the information they have that was used to open the account is my information appearing on my credit report. Comenity Bank representatives continue to call in a harassing manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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:
After making several calls to Transunion explaining that my identity has been stolen I have been instructed to send them the identity theft report to have this information permanently deleted from my credit but they keep saying they are not getting the identity theft report but I have sent several times without these items being deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
As per FTC and FCRA implementation : Disputes to Furnishers You must investigate a consumers dispute if it relates to : the consumers liability for a credit account or other debt with you. For example, disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; the terms of a credit account or other debt with you. For example, disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; the consumer 's performance or other conduct concerning an account or other relationship with you. For example, disputes relating to the current payment status, high balance, date a payment was made, amount of a payment made, or date an account was opened or closed ; or any other information in a consumer report about an account or relationship with you that affects the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle. Furnisher Rule 660.4 ( a ) You must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4 ( e ) I have never received the results of investigation.

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 2018-07-26
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
MY COMPLAINT I got my car repossessed while I was with my family in Oregon. She was told she has until this Friday, XXXX XX/XX/2018 to pay a total of {$1700.00}. My grandfather committed to give her {$900.00}. The best way we could figure to do that was for us to login to the Santander payment website and make a payment by electronic check. We made the {$900.00} payment by electronic check from my grandfathers credit union in XXXX, Oregon. His account information shows the payment. My online account shows the payment. But customer service people with Santander will not honor the payment even though they have the money. I dont know what you call this but I call it theft. They have taken our money and they will not honor the transaction we have entered into. They continue to harass me and refuse to release her car for the balance she owes above the {$900.00} that was paid. I have {$850.00} which is the balance they indicate she owes, but they will not take it and release her car. I plan on still making that payment so that I can prove that they are a crooked. 

Santander has multiple complaints with the XXXX XXXX XXXX. Several people have complained that Santander does not release and send their title when they have paid off their loan. XXXX should vet their lenders and not subject their customers to a terrible lender like Santander. Santander has essentially stolen our money and XXXX has facilitated this. 

SANTANDER CONSUMER USA 'S RESPONSE They keep insisting that with their reinstatement policy that they need to see the bank statement showing the amount of money coming out of the account. My grandfather is not comfortable sharing that information when the funds have already been verified and released. On top of it all they stated to me that they do not accept payments from third parties, which is a flat out lie, because I have had a boyfriend maybe several payments for me in the past. In any case if that is the case they do not accept third party payments then they need to refund the {$900.00} that was paid to them to go towards my principle, instead they told me they CAN NOT refund the amount and they WILL NOT apply that towards the reinstatement process. Over the course of the 30 min phone call the man on the phone continued to get more and more volatile with me stating I can get the vehicle back if I pay XXXX with my debit card. My issue is I paid {$900.00} so the remaining balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Experian Information Solutions 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:
I've reached out to XXXX in the past. They sent me a letter ( see attachment ) stating that they didn't have any accounts for me. Later, they inserted information into my credit report with a different account number and almost doubled limit. XXXX is blatantly reporting information and changing account numbers to fit their purpose. I continue to attest that I have no accounts with 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 2018-07-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 Wells Fargo sent me two letters informing me that they are closing my two business checking accounts. They did not provide a reason. One of these accounts has been with Wells Fargo for 20 years. I called Wells Fargo asking why they are closing my accounts, and they said they would not disclose why. Both accounts are in good standing, and I can not think of any reason they would close these accounts. I have multiple other accounts tied to these - both to receive income and pay bills. It is causing a significant disruption to my business.

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 2018-07-26
Company: ALLY FINANCIAL INC.
State: FL
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:
I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX XXXXXXXX XXXX XXXX of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. 

Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX XXXX XXXX Ally Bank XXXX ( XXXX XXXX XXXX XXXX ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.

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 2019-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have disputed the collection amount of XXXX with Portfolio Recovery several times. The amount owed is incorrect and has been settled. This debt is no longer valid. ( Non-verified ) please remove from credit report. Under the FCRA is information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Medical Data Systems, Inc.
State: AL
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 checked my credit report and noticed inaccurate information from your company. I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.

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 2018-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX   XXXX XXXX XXXX of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. 

Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX Capital One XXXX XXXX Coaf ( Capital One Auto Finance ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Well, I had an absolutely horrific time with this lender prior to this issue regarding the processing and closing of my loan. Finally had to get resolution by submitting a complaint to the XXXX XXXX XXXX 

I thought with my refinance in XXXX I was free of the errors and hassles around dealing with Cross Country Mortgage until it came time for taxes. I do not have a 1098 from them. It's XX/XX/XXXX and I need to do my taxes. I reached out last week after learning from XXXX, the servicer XXXX transferred my loan to, that XXXX can not provide me with a 1098 that reflects anything prior to the transfer. That's on XXXX. 

Basically they need to send me a 1098 ASAP so I can get my taxes done and be free of them once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
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:
I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX   XXXX XXXX XXXX of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. 

Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX I logged into my care credit account to set up my XXXX time draft for the minimum payment due of {$110.00}. I did this and received the confirmation email. Unbeknownst to me, I was enrolled in auto draft for the entire balance of XXXX set to debt XXXX XXXX I never authorized this. I do not have a single confirmation email authorizing this amount or transaction. 

I called synchrony bank on XXXX XXXX when I received an email stating my payment was cancelled because the balance was paid in full. I asked the customer service rep to cancel the auto draft and that auto draft payment as it would cause my Account to overdraw. The customer service rep, XXXX XXXX, said he had done so and that he would reinstate my original payment. 

I realized I never received any email confirmation of my conversation. I called back into customer service for synchrony bank and spoke with XXXX. The only item that had been done was they had cancelled auto draft on my account, or unenrolled me. They could not reverse the draft ; only my bank could do that. I explained that was not the information I had been given that morning. I further explained that reviews their online mobile experience and I did not enroll to pay the entire balance. I am now incurring overdraft fees with XXXX bank, will have late charge with synchrony bank and potentially adverse marks on my credit. While I had previously been enrolled in their autopay service. I had never authorized the entire balance.

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 2023-03-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened Bank of the West checking account online XX/XX/. I decided to close unfunded BECAUSE teller couldn't locate account to deposit funds, leading me to suspect data mishandling, but no reps available in branch to close account, to which phone rep threatened monthly fees. So my account only exists to charge monthly fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A woman named XXXX XXXX from an undisclosed company called my personal cell phone from XXXX ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX Pacific Time.  I believed it to be a spam called and so I hung up as I was on a work trip and very busy. I later find out that she called my landlord on the same day and left an incredibly aggressive voicemail for my landlord. The voicemail was forwarded to me - all that XXXX XXXX gave was a phone number ( XXXX ext XXXX ) and demanded that I call her back immediately. She said it is MANDATORY that you call me back. She provided no other information, I have no idea where she works and the call back number is just a voicemail. This is harassment - a debt collection extortion scam attempting to create panic and embarrassment so they can scare people into paying their extortion money. This must stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: OneMain Finance Corporation
State: CA
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:
I have a an inquiry listed on my credit report that I didn't authorize from One Main Financial. One Main services are misleading. The website states you can check a rate without impact to your credit report which is clearly misleading. I never authorize one-main to run my credit dated on XXXX. Unfortunately the ran my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Please refund the following to Bluebird card ending XXXX : - A charge of debit card purchase via checking for {$51.00} today XX/XX/XXXX. Please refund... 
- A charge twice yesterday to XXXX for {$10.00}. Only one charge for that price occured. Please refund only one charge for {$10.00} XXXX. 
- A charge of {$29.00} by mail ) phone order which I did not make either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: NJ
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 ON BEHALF OF XXXX XXXX  was Paid in full. The Collection Supervisor, XXXX XXXX stated, '' We will have account Deleted from all three credit reporting agencies when paid in full ''. ACCOUNT PAID IN FULL 2 weeks ago.

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 2018-12-04
Company: Windham Professionals, Inc.
State: IA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Windham Professionals call my phone several times a day. Sometimes leaving a voicemail and sometimes not. I block their number with a call blocker and then they change the digits of their phone number by one number and repeat the practice. Called as early as XXXX XXXX  and as late a XXXX XXXX. 

yesterday called from ( XXXX ) XXXX at XXXX, XXXX, and XXXX    XXXX called from ( XXXX ) XXXX at XXXX and XXXX XXXX  XXXX called from ( XXXX ) XXXX also used number ( XXXX ) XXXXand ( XXXX ) XXXX to call me. 


The repeated calls are harrasment.

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 2018-07-26
Company: EQUIFAX, 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:
I was told that you all can help me with some accounts on my credit that does not belongs to me. I reached out the creditors and the police to file a compliant. Please help me remove these accounts because they are not mine. 
XXXX XXXX XXXX AT XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX   : XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX : XXXX XXXX : XXXX XXXX Equifax : XXXX : XXXX XXXX  : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX? XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 my bank account was hacked from an outside source and XXXX was wire transferred to the hackers account. After reporting it the same day the bank did an investigation and said there is not they can do its not their problem. After starting the claim with Wells Fargo I was never once updated or asked any further information about the claim and they still refuse to answer any questions about the decision.

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 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief