BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: EQUIFAX, INC.
State: RI
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 went to check my report and noticed all these inquiries. I didn't give consent to any of these places to pull my credit. Please have them show me proof that i gave consent. 
1.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2.XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX  XX/XX/XXXX 6.XXXX XXXX XXXX   XX/XX/XXXX 7 . XXXX XXXX/XXXX  XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10.XXXX XXXX  XX/XX/XXXX 11. XXXX XXXX XXXX XXXX   XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX/XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX/XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 19. XXXX/XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XXXX/ XXXX  XX/XX/XXXX 22. XXXX XXXX XXXX . XX/XX/XXXX 23. XXXX XXXX   XX/XX/XXXX 24. XXXX XXXX XX/XX/XXXX 25. XXXX/ XXXX XXXX XXXX XXXX   XX/XX/XXXX 26. XXXX XXXX XXXX XX/XX/XXXX 27. XXXX XXXX XXXX XX/XX/XXXX 28. XXXX XXXX  XX/XX/XXXX 29. XXXX XXXX XXXX XX/XX/XXXX 30.XXXX XXXX XXXX   XX/XX/XXXX 31. XXXX XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XXXX XXXX XX/XX/XXXX 33. XXXX XXXX XXXX  XX/XX/XXXX 34. XXXX XXXX XXXX XXXX XX/XX/XXXX 35. XXXX XXXX/ XXXX XXXX XX/XX/XXXX 36. XXXX XXXX XXXX XX/XX/XXXX 37. XXXX XXXX XXXX XX/XX/XXXX 38.XXXX XXXX XXXX XX/XX/XXXX 39. XXXX XXXX   XX/XX/XXXX 40. XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XXXX  XX/XX/XXXX 42. XXXX XXXX XXXX XXXX XX/XX/XXXX 43. XXXX XXXX  XX/XX/XXXX 44. XXXX XX/XX/XXXX 45. XXXX XXXX XXXX XX/XX/XXXX 46. XXXX XXXX XXXX XX/XX/XXXX 47. XXXX XXXX   XX/XX/XXXX 48. XXXX XXXX XX/XX/XXXX 49. XXXX XXXX XXXX XX/XX/XXXX 50. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A phone call on XX/XX/XXXX ( XXXX ) with XXXX XXXX from Choice recovery took place regarding a debt collection attempt that I was unaware of. During this phone call, I mentioned that I do not remember ever receiving a bill from XXXX XXXX XXXX XXXX XXXX. because all my bills were being directed to my Lawyer. I explained that I was in a car accident where a vehicle hit me when I was stopped at a red light and the Lawyer was handling all the calls and the bills. 

At this point, XXXX XXXX from Choice recovery told me that he was no longer aloud to discuss this account with me by law and asked for my Lawyers number, so he could contact directly. I gave him my Lawyers contact information. 

Yesterday, on XX/XX/XXXX, I noticed that my credit score dropped 24 points!!! When I looked to see why it dropped, it stated that 7 new accounts were opened and the total number of derogatory accounts had also increase by 7. Looking into it further, I found that all 7 new accounts and 7 derogatory accounts were from Choice Recovery INC. 

Today XX/XX/XXXX, at XXXX XXXX I called XXXX XXXX at Choice and asked why they were attacking my credit. I was told y XXXX XXXX that they were unable to get in touch with my lawyer and by law they are not allowed to contact me without my Lawyer 's permission and can not discuss any other details about my case. I then asked to speak to his Manager. 

XXXX XXXX transferred a call to XXXX XXXX and she proceeded to repeat the same information that XXXX XXXX presented me with. I told her that I completely understand that they are by law not allowed to contact me with out my Lawyers permission, but if you couldn't get a hold of them, you could have at least informed of this information so I could call my Lawyer and have them directly reach out to you instead of just attacking my credit. ( They didn't get permission to contact me from my Lawyer but didn't get permission to attack my credit history either but they did!! ) I asked how a could get this removed from my credit history and she told me that I needed to contact my lawyer and have them contact Choice Recovery INC for something to be worked out before they could see if something could be done with my credit. 

They attacked my credit without my knowledge, without giving me a chance to resolve the issue, then hold my credit score hostage with no guarantee to fix my credit. How is this allowed? If they are not allowed to contact me by law and they don't get a hold of my Lawyer, I'm left in the dark till one day I get a surprise of a 24 point hit to my credit score!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Experian Information Solutions Inc.
State: MD
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:
Thank you. 

Experian just sent me an update about my FICO score and told me my FICO score decreased. No explanation why. The dashboard indicates 4 late payments, but no information about what. I have not been late with anything in YEARS. So right now, XXXX XXXX reports my fico as of XX/XX/19 is XXXX. Experian has me today at XXXX. There is no explanation and no reason I can figure out for the decrease. I pay everything on time. I have done nothing in the past three months but decrease my debt. Nothing is outstanding. Everything I've done should be increasing my score. I try to call them and it is impossible to get in contact with anyone. I need answers as to why my score decreased and what I need to do to improve it. I think they're trying to push me to add my utility bills to my credit score, and falsely creating a decrease to force me to do something.

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 2018-08-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
In XX/XX/2016 took out a CD for four years at fixed rate and term. The bank offered a free safe deposit box to induce us to take out the CD at the low rate. The bank without notice now sends us a bill for the safe deposit box. We are stuck. We can not get out of the CD and they won't bump up the rate. Took the box rent bill to the local bank branch. They were to look into it!!! Now get another bill with late fee added on. Never heard from the bank as to why they double crossed us. They are now tacking on fees to confiscate all of our money. Greed and FRAUD. This bank is committing a crime with all of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: JPMORGAN CHASE & CO.
State: TX
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: Investigation took more than 30 days

Complaint:
XXXX and XXXX have hacked my computer due to unknown reason and they are holding my computer for ransom They refused to let me use it Ive had to change five computers Ive spent over {$5000.00} and getting my security up to par

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11
Company: Ocwen Financial Corporation
State: PA
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:
In XX/XX/XXXX I sent a check to Ocwen for XXXX knowing I would have a small balance left on my mortgage. Almost 30 days later I received the check back without an explanation. I called and spoke to XXXX ID # XXXX he said if I paid over 80 percent of my mortgage I would have to pay the mortgage in full. He gave me the pay off amount and I sent a check in XX/XX/XXXX for XXXX. Almost 30 days later I received the check back without any explanation. I called and spoke to XXXX ID XXXX. He told me that the check needed to be certified and gave me a new payoff amount of XXXX which was XXXX more. I asked if they could waive the increase and was told it would take 30-90 days. A supervisor by the name of XXXX XXXX XXXX was supposed to get back to me but never did. I was under a time restraint sent the certified check in for XXXX. Today XX/XX/XXXX I found out the Ocwen reported a delinquency on my credit report for the month of XX/XX/XXXX. I called them and was on the phone for 3 1/2 hours. I spoke to XXXX XXXX, XXXX ID # XXXX, XXXX ID # XXXX, XXXX ID # XXXX and XXXX ID # XXXX who finally told me to call XXXX XXXX in the abundsman department. She asked me to email her asking for a courtesy credit adjustment. She advised me it could take up to 15 days because management had to review it. I asked her if I could speak to someone in management and she said no I would have to wait to hear from someone. I am trying to obtain a new mortgage and need this resolved in a timely manner. It's unbelievable to me that common sense of them receiving money and sending it back to me, the stress of taking 3 months to pay off my mortgage because of their " policies '' which were never clearly communicated in the first place and then they ( probably a computer generated program ) reports a delinquency which effects my credit score. How easy would it be to say - Yes I see that we kept sending the money back. I am very sorry. I will correct your credit report right away. I'm sorry. No, that was not the case. It was exhausting. Please help. This is a time sensitive matter and I should not have this effect my credit because of their incompetence. Thank you.

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 2020-02-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Marketed & advertised ON LINE Easy set up ADA ACCESSIBLE NOT TRUE. USAA requires ( 2 ) two on line set ups to have FULL ACCESS. Disabled for years I have tried to gain access to USAA ON LINE BANKING ONLY Website was installed was told to get or send messages you need a mobile app from play store. Once that installed back and forth hand movements my XXXX XXXX can not do were WAY TOO PAINFUL. A message box secure email area is only in the mobile app when I try over and over to gain FULL ACCESS. I have tried over and over to send my documents and messages TO NO AVAIL. I make my only contact through CFPB because they do give me access by phone and USER FRIENDLY One website setup. They do Not require two set ups as USAA DOES. New USAA policy now is required TEXTS Emails two authorizations verificatons my hands can not do. In addition to numerous numerous hand movements In out UP DOWN two apps text codes ALL NOT USER FRIENDLY OR ADA ACCESSIBLE USAA IS ON LINE BANKING ONLY FOR this 35 year member. USAA POLICY has changed WITHOUT NOTICE TO ME since I first set up. I have NEVER IN 35 YEARS BEEN ABLE TO SET UP ACCESS ON LINE. When fraud happened I was NOT ADVISED ON PHONE POLICY OR GIVEN OPTIONS TO SEND DOCUMENTS THEY REQUIRED FOR FRAUD ID THEFT AND WITH NO ACCESS THIS WAS ALL I HAD. Then USAA blocked my phone access by blocking a PIN number it took me 3 years to set up when I informed a rep I could not go on line. This done for my protection per USAA. Once set up then USAA required more hand movements to make a temporary password permanet in TWO SITES. Verification codes, web set up and also mobile app set up is IMPOSSIBLE. One Sunday XXXX I had 125 texts to No avail. XXXX alerted me this was a security risk. Calls never lead to right department. MANY MANY Hours painfully holding phone for USAA is hazerdous to my health. USAA OFFERS NO SPECIAL NEEDS OPTION or USER FRIENDLY assistance set up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Good morning. 
I opened a credit card account with HSBC in order of transfering funds from a high interest credit card. I was approved and the transaction for such transfer went into effect on XX/XX/19. However I noticed that my high interest credit card never received the funds. A few days later I called customer service and I was informed that the funds could take up to 20 working days to take effect. I waited those days but I kept calling the company to follow up in the status. I began to notice that the authentication process could not recognize my phone number nor my PIN and I had to use internet banking everytime for authentication. 
A month passed and I was charged $ XXXX because according to them the money had been transferred and I was late in the payment ; so, as they put it it was better to make the payment to avoid damages to my credit. I kept calling and at last they say that some information was wrong and that the transfer never took place. Moreover, they say that because more than 16 days had passed I was not eligible for the 18 month no interest. I refused to re-transfer the funds as the purpose of me opening that account was precisely the no interest for 18 months. They offered to reverse the transaction and refund my payment. Yet, on XX/XX/19 at XXXX XXXX I received an e-mail telling me that my payment was due. I called them back and they say that they were charging XXXX for fees involving the transfer and I was already late. I had no other option that to pay the remaining due for that fee on XX/XX/19. Still they are charging me a late fee of $ XXXX that expect to see it reflecting soon. I must add that no bill was either delivered or e-mailed and I only received a letter confirming the reversal of the transaction. 
At this time that company can't answer why I can't be authenticated using my phone number which I used before with them, nor why my pin is not recognized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My daughter died. I notified the mortgage company by telephone and email. I was required to notify the survivor in interest ( SII ) department. I have paid all back mortgage payments and sent a copy of the court order issued to me, i.e., " Order Appointing Administrator. '' I have sent more than three copies of the court order to three different offices. 
The mortgage company has not sent me any information concerning the status of the mortgage. I called and asked for a letter clarifying what is needed. I explained to the mortgage company that the recent letter I received from them was dated XX/XX/XXXX but was mailed on XX/XX/XXXX. I did not receive the letter until after XX/XX/XXXX. 

I called on XX/XX/XXXX to determine where to send the mortgage payment and to receive information concerning my status as the survivor in interest BUT the mortgage company would not give me any information. And, they would not explain their letter dated XX/XX/XXXX but mailed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XX/XX/2020 Phone contact USAA Automated System Responds to my TV rerouting me to who knows where. And I am Not provided Access on Line. I eventually spoke with XXXX Requesting XXXX  XXXX payment info be removed from my profile as I would not be making payments anymore on this IDTheft. A PAYMENT UNAUTHORIZED BY ME WAS MADE. USAA claims I did it though voicemail. Anyone can contact voicemail as it DOES NOT HAVE ANY SECURITY SET UP. This overdrafted my social security for the next 3 MONTHS leaving me with overdraft fees. I HAVE NEVER HAD OVERDRAFT IN XXXX  YEARS. If ANYONE NOT SECURE CAN CALL VOICE LINE AND MAKE A PAYMENT UNAUTHORIZED BY ME I CALL SERIOUS FOUL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

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 2019-07-11
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am the daughter of a XXXX veteran. I moved back to my home state around XX/XX/XXXX to care for my Father during his illness. After his death on XX/XX/XXXX, I was appointed as the Personal Representative for the estate. 

The insurance cancelled around XX/XX/XXXX and PHH forced-placed insurance on the residence during hurricane season. Subsequent to that two major hurricanes occurred back to back causing damage to the residence. Subsequent to that I sustained a work injury that left me unable to return to work. In the interim while I was awaiting adjudication of workers compensation claim, PHH denied assistance to help avoid foreclosure, initiated foreclosure during review of loan modification and failed to properly process application for loan modification as the successor in interest.

I am writing to report the illegal wrongful fraudulent foreclosure by PHH Mortgage Corp on XX/XX/XXXX, the misconduct regarding servicing and foreclosure practices, poor servicing practices, predatory lending, improper records practice, not correctly following lending laws, errors in documents and mortgage servicing fraud. PHH denied assistance to help avoid foreclosure, failed to correct notice of errors on their records that was identified, failed to process loan modification and unprocessed loan modification. I will followup with additional information to documenting dates and time of events. I am asking for a review of this mortgage foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/2017 I have been trying to remove the PMI which is {$170.00} a month ; in total I have paid {$2000.00} that I didn't have to. Either the mortgage servicing company gave me the run around and refused to have me get an appraisal to prove that my LVT was at 78 % ; or they would sell my loan as soon as I got an attorney, and now I have been paying {$170.00} for long the original property appraisal has put my LVT at 76 % and again the new serving company refuses to remove the PMI. 

The PREVIOUS SERVICER WAS XXXX AND the current is loan care.

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 2020-02-20
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Synchrony Bank has XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX, attempting to collect on an account that has been paid in full. I have contacted Synchrony Bank and requested a signed copy of the original contract. Synchrony Bank sent me a letter providing proof they can not produce a copy of the contract ( attached ). Synchrony Bank was suppose to be charging me 0 % interest on Lowes purchases because its a Lowes Credit Card and Lowes advertises 0 % interest on the purchases made. I have been overcharged thousands of dollars on interest charges by paid to Synchrony Bank. I have also requested transaction receipts with signatures and both Lowes and Synchrony bank can not provide with proof in writing. I paid the account in full but Synchrony Bank is still attempting to collect. Synchrony Bank is damaging my credit report with inaccurate negative information on an account that was never late and paid in full. Synchrony Bank also has forced me to hire an attorney to defend me against frivolous claims I owe them money. Synchrony Bank even without the contract and sales slips refuses to stop attempting to collect and creating unnecessary stress and expense for attorney fees from me.

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 2020-02-20
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I attempted to purchase a used vehicle from XXXX XXXX of XXXX Maryland,,, the bank Westlake financial serviced the loan to the dealer however the contract was canceled and the dealer issued me a letter signed and dated that I wouldnt be responsible for any future payments or be sued for the vehicle releasing me from the vehicle,, however Westlake the financial company has not received the check that was issued to the dealership so every month that the dealership does not send it back the financial company marks a late payment on My credit report,,, the car was returned with keys and temp tags,,, I have called and left numerous messages to dealership however I have gotten no response

Company response to consumer: Closed with explanation