BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found this on my credit report. I have received phone calls in regards to this account however I they have not given me any information either by phone or in writing in regards to the money they are requesting.   PORTFOLIO RECOVERY Opened  XXXX   XXXX ,    2016  {$1800.00} That is all the information I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Today, XX/XX/23 I spent 2 hours on the phone with Chase rewards to try and change my XXXX tickets from XXXX to XXXX from XXXX to XXXX. I was escalated to two different customer service people, neither could help. In the first case, the representative said they found the dates that needed and could change the ticket and then said 10 minutes later that the flight was full. The second person told me that I could not change the tickets to the requested dates, nor could she tell me dates that would be possible, nor could she give me credit. 
When I asked to speak with someone who could help me the phone went mysteriously silent even thought I had, had no problem for the two hours of waiting before. The customer service rep called me back and told me I could call the original number again. I'm concerned I'll be starting from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022 I went to an XXXX XXXX to purchase a new XXXX  that cost {$1000.00}. I was informed I could make interest-free monthly payments on this purchase by opening an Apple Credit Card to make the purchase. Which sounded good to me. 

So in the store, I applied for and was instantly approved for the Apple Card, but when I went to make the purchase I was informed I could only do so if I was activating the phone in-store. This was not possible because my wife is the account holder on our XXXX XXXX XXXX account and she was not with me at the store. 

Now I was stuck with a new credit card that I was only interested in because of the interest-free payment option. And canceling the card after just applying for it would hurt my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: WATERSTONE MORTGAGE CORPORATION
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Around XX/XX/2017 I was in the process of getting a home loan with XXXX XXXX XXXX in XXXX IA, in that process I had received my letter of credit approval, I did everything the mortgage company asked on paper submitting paper work in. Well we got to closing date and then after all that work and having the seller ready to close the mortgage company said we couldn't close because I did not qualify. Well I called the company and then the confusing part and what makes me want to share so public know. Is that my Wife had used them in the past and my daughter was in the process as well of getting a mortgage loan from them. They started mixing my personal stuff with my wife 's company files from when she had used them. I asked them with what authority or who had let them go through my wife 's files so they could qualify me? My wife called as their agency was calling her company to get financials from her which were not necessary. She let them know that she had nothing to do with the loan that I was getting or her company. Then when I talked to them again they were trying to mix my file with daughters file so I could get qualified. Then the Seller reached out to them letting them know how unprofessional they looked in doing so they told the seller without my consent giving them false financial information about my family. I ended up taking my business somewhere else and luckily the seller understood and we closed with another mortgage company. Again the suspicious thing is they had no authorization to do that without my daughter and myself being aware. to We stopped the process I wanted a proper explanation all I got was that I had no need for the loan and that they made a reference towards my family as we did not have money without facts that excuse seem the most unprofessional excuse. I would not recommend this mortgage company to anybody their employees say one thing give you papers and then last minute always changes with huge increases and little explanation to why, also the fact that they are using other peoples files to approve another person raises a flag. I do urge this be investigated in dept so this experience and public people files are safe.

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 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Accounts were opened fraudulently. The following accounts still remain on   XXXX   & Transunion.   XXXX   XXXX   XXXX  , opened  XX/XX/XXXX &   XXXX   XXXX   XXXX   {$590.00}, opened  XX/XX/XXXX . The exact same accounts was on  XXXX  however   XXXX   was able to remove the accounts. All   XXXX   bureaus were sent the exact same information to fix the dispute.

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

Complaint:
Despite previous written request, the unverified accounts listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Experian Information Solutions Inc.
State: NC
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 Want XXXX renders proof of my signature on a document, stating I gave them permission to sell my Bankruptcy information on to Experian XXXX and XXXX XXXX Credit Bureaus

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 2022-08-16
Company: WELLS FARGO & COMPANY
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:
Good morning! 

I missed three payments ( XXXX, XXXX, XXXX ) in the year of XXXX due to COVID-19. 

I reported this to Wells Fargo during the early stage of COVID-19 when I was seeking assistance ( i.e. forbearance, loan modification, refinance ). 

On XX/XX/XXXX, I paid my mortgage off in full. Yet, Wells Fargo has placed serious delinquency on my XXXX credit report ( along with the other credit bureaus ). 

I do not understand why these over two-year-old payments ( due to COVID-19 ) are still being reflected on my credit report. 

Why didn't Wells Fargo report to all three credit bureaus that these payments were missed due to the national pandemic? 

Furthermore, why didn't Wells Fargo update this information when my mortgage was paid in full over two months ago? 

Like others, I have suffered emotionally, physically, and financially from COVID-19. I'm still suffering from this pandemic. 

Additionally, I'm suffering emotionally, physically, and financially from the information that Wells Fargo reported to all three credit bureaus. 

I humbly ask for immediate assistance.

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 2019-08-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Discussion with Chase : On XX/XX/XXXX, I called Chase Credit Card at XXXX XXXX and explained why I'm disputing the credit card charged on my credit card. I believe I explained to Chase in detail the nature of my complaint, and the individual I talked to told me to have my complaint/dispute in writing, so therefore, Chase will send me the form and instructions on what type ( s ) of documents I need to submit to process the claim. 

On XX/XX/XXXX, I did received the form and on XX/XX/XXXX, I faxed the form and supporting documents. 

On XX/XX/XXXX, I called Chase and ask to find out if may documents where received. The Chase employee I talked to ( XXXX ) told me that based on my claim, they can't contact the merchant and Chase will not pursue any action ; therefore, closing my complaint/dispute. I asked to talk to the Supervisor ( XXXX ) and I was told the same information. 

I told them that it was very frustrating that I wasted my time waiting, completing the form and sending required documents, as well as making copies and faxing back to Chase at the 888 number provided. 

Nature of my Complaint/Dispute : On XX/XX/XXXX, I rented a van through XXXX XXXX but doing business under XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, HI XXXX. When I picked up the van the gas was almost empty ( 1/4 ). Usually, when you rent a car, the gas is full. Initially, I demanded that they put a full tank of gas since it is very difficult calculate the exact amount of gas at 1/4 when you return. The agent at the rental place indicated that either I take the van or not since they are very busy and has no time to put gas. Later he compromised and said that is I return the rental with more than 1/4 of gas, I will be given a refund. Obviously, this was all verbal, as I can't commit him to put his statement in writing. The van was returned after hours with 3/4 gas, so I called the next day ( XXXX XXXX ) and left a message but never returned my call. Called the next day, but again, never returned my call. 

On XX/XX/XXXX, I called airport location ( XXXX XXXX ) and told to contact the manager ( XXXX ) at XXXX XXXX. Left messages but may calls were never returned. 

With no other recourse, I called Chase to complain/dispute the credit card charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX I worked for somebody on XXXX. He sent me 2 cashier 's checks to my mom 's house. My mother deposited the checks in the ATM. On Monday XX/XX/XXXX, I tried to check my online account to see if there those checks cleared. Bank of America closed my account because they said the checks were bad.They have mailed my balance to my mailing address. 

PROBLEM : I have incurred injuries. My name is XXXX XXXX. I am a XXXX XXXX XXXX XXXX. I don't have a house. I don't have an apartment. I pay rent all days of the month. I don't have any other account. So now I am stuck in XXXX XXXX with only a few bucks, No bank account. No funds. No food. No potential rent. No XXXX. I didn't even get the benefit of the doubt. Now my good name is jacked also. " We don't reopen an account once its closed. ''

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 2021-06-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While checking my credit report, I notice an account from XXXX that I believe is not being reported correctly on my credit report. On XXXX XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am trying to recover surplus, the overpaid escrow, {$3000.00} plus. 
Started in XXXX XXXX, after my taxes were paid.Regardless, Ocwen Loan servicing, LLC send more money than needed to state, state returned all, that they send. I asked in writing, to do partial modification, stop paying already paid taxes, keep calling, talking to ombudsman. I was told, that they will return my money, within 30 days of recalculation XXXX XXXX, XXXX. 
Now they are saying, that since I am late with XXXX payment, they will not refund overpaid amount. 
Under Federal law RESPA, that they are in violation, that the lowest monthly balance should not exceed/fall below {$870.00} and trying to collect more money. 

Please, help XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-03-14
Company: Santander Consumer USA Holdings 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 did not authorize XXXX XXXX to review my credit report. I have a extend fraud alert on my credit reports. XXXX XXXX did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX  reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Experian Information Solutions 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:
The company claimed that they were able to verify the bankruptcy but that couldn't have been possible due to the fact that I have a security freeze with the company that they use to alleged " verify the information ''. Even if I would have filed for bankruptcy, the XX/XX/XXXX do not provide any information to anyone. I have a copy of a letter that clearly indicates that they do not provide any information to anyone. Experian uses XXXX to " allegedly provide verification of information ''. In my case, XXXX couldn't have provided verification to them due to the fact that I have a letter ( enclosed ) which clearly states that I have placed a security freeze placed on my file.

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 2021-04-08
Company: WELLS FARGO & COMPANY
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Wells Fargo violated FDCPA rules by calling prior to XXXXXX/XX/XXXX. I already filed CFPB XXXX and reject the response. 

You can not use corporate rules to violate calling times. You can not justify harassment. You can not use Covid as an excuse to violate FDCPA laws, rules and regulations. Wells Fargo DID call me prior to XXXXXX/XX/XXXX and wish to justify their illegal actions!!!

Well No!!! 

They have admitted making the call. I want my {$1000.00} dollars for their clear violation of the law! Wells Fargo can not cite, and has failed to cite ANY state law, federal law or even a fictitious law to support their claim that they can violate the FDCPA!! 

At what point do I get paid for their harassment? Calling prior to XXXX constitutes harassment!! Calling at that time is an automatic fine. Pay up!!

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 2019-03-14
Company: BARCLAYS BANK DELAWARE
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 did not authorize BARCLAYS BANK DELAWARE to review my credit report. I have a extend fraud alert on my credit reports. BARCLAYS BANK DELAWARE did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my 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 explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: MARINER FINANCE, LLC
State: KY
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:
I opened a account with Personal Finance in XX/XX/XXXX. I paid off the loan in XX/XX/XXXX. It still appears with the credit bureaus after 7 years and I contacted personal finance company on XX/XX/XXXX they stated it would be removed from my XX/XX/XXXXand XX/XX/XXXXbureaus but it has not yet been 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 2022-08-16
Company: EQUIFAX, INC.
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:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you

Company response to consumer: Closed with explanation