BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On Sunday, XX/XX/XXXX, I had a balance of {$8000.00} in my Ally online savings account ending in XXXX. On XX/XX/XXXX I initiated a transfer of {$5000.00} from my Ally savings account ending in XXXX to my newly opened Ally investment account ending in XXXX. I will attempt to attach a screenshot documenting that I initiated this transfer. Since it was a weekend, I knew the transfer would not appear in my account until Monday XX/XX/XXXX, but I had no reason to believe that Ally, with which I have banked for several years, would remove the money from my checking account and fail to transfer it into my investment account, which is what occurred. 

On Tuesday XX/XX/XXXX, I checked online to confirm the funds had been transferred from XXXX to XXXX. The screenshots I will attempt to attach showed the funds were subtracted from XXXX on XX/XX/XXXX but were never transferred to XXXX, so I called Ally and spoke with XXXX. She acknowledged my transfer instructions and that the {$5000.00} had been withdrawn from XXXX but never deposited to XXXX. She could account for my missing {$5000.00} but suggested it XXXX have had something to do with my browser. 

XXXX 's suggestion is untenable for two reasons : 1. I have used the same browser for my Ally transactions consistently over a long period of time without problems ; 2. I called Ally and obtained help with the transfer from an Ally employee, who reminded me that, due to the weekend, the transfer would not show up in my account until Monday. In actuality the transferred funds were deleted from savings that day, but never transferred to the investment account. 

When I spoke with XXXX yesterday, she gave me a case # ( XXXX ) ; she said the matter would be researched and resolved by today. She said that the funds would be returned to my checking account by today. Yet it is past mid-afternoon, and I have heard nothing from Ally. If I try to contact Ally by phone to check, the wait time is over half an hour, which is especially unacceptable since Ally caused this situation and has wasted hours of my time already in addition to mishandling my funds. It is now Wednesday XX/XX/XXXX, three days after the attempted transfer, and my {$5000.00} remains missing.

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 2019-08-09
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/19 I received a call regarding the escrow on my mortgage, that had a debit balance on my account. 

The caller demanded that I go to XXXX and wire {$980.00} before 6 p.m. that day to avoid foreclosure, and could only be done that day only. 

I requested evidence and his manager, he responded that that was not possible. it was in his control now. 

I suspected a Scam and called my Mortgage Co. the next day and confirmed the call was bogus. 

He identified himself as XXXX XXXX of the mortgage co. @ XXXX in Texas. 

Foreign accent possibly XXXX or XXXX. 

The killer was the phone number appeared as my contact person at the mortgage co.! 

She is in Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received a letter on XX/XX/2020 being charged {$88.00} for supposedly paying mortgage late. in my payment history I have always paid my mortgage before the XXXX of every month. This month I paid on XX/XX/XXXX a Thursday. My bank shows it cleared on Monday the XXXX but this " Mortgage Payment Reminder Notice '' was sent out on a Sunday dated XX/XX/2020. I know my banks don't do business on Sundays and I definitely know Specialized Loan Servicing doesn't either. I believe their is a new predatory tactic starting up for homeowners who are paying their mortgage. 

I have had to deal in the past with forced placed home owners insurance and it was a complete nightmare to correct and we never quite recouped from that experience. I cringe in fear whenever I get a letter from SLS. Its never good news. I have attached the letter we received and hope you can assist us and maybe be alerted of this new way of adding homeowners to an automated system that makes them look delinquent on their mortgage. 

I tried to call SLS on the XXXX and you can't speak with anyone nor hold for as long as you can because it only offers a call back option. 

what about people who are working and can't have their phone on them? Its just horrible service and the system is obviously set up for you to give 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 2020-09-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Sent payment to reduce amount owed as per instructions, on XXXX XXXX of {$3200.00} which was received electronically on XX/XX/1920 but has not been allied to our account so we can finish the loan process to purchase the car. Told that they received the payment at first and would only take few extra days to process, now they do not see the payment at all. We requested an investigation but they stated it would take til XX/XX/XXXX. Mazda Capital XXXX Chase, was told we are buying the car before payment was sent and was not notified of that there would be a delay.Today they stated they could not process a payment more than 8 months of payments, which seems crazy due to the varying amounts of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Experian Information Solutions Inc.
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:
Personal information was stolen back in early 2016 and  since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.

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 2020-11-18
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been out of the country of the past 10 years. 
I checked my credit to make sure its okay as am planning to come back home soon. 
and I found a collection comment on my credit report for California Department of consumers affairs for the amount of {$750.00} the same was forwarded to Rash and Curtis and associates for the amount of {$1200.00}!

I called Rash & Curtis Office and asked them to give me an idea or details of this collection and what is it about. The representative told me that it was for a citation for XXXX XXXX company and asked me if I knew them. I told him that I worked for them long time ago as a XXXX  and I was never aware of any citation or violations. and I asked him to give me more details of the incident as I truly don't remember anything of that sort. Furthermore I told him that if he can provide me with proof, then I will take responsibility and pay the fine but if its not then I want to dispute it and have it removed off my credit report, He refused to give me any details and continued asking me to pay and I refused and informed him that I want to get legal consultation on how to resolve this issue. 
I emailed Rash & Curtis and associates to minute the phone call and requested them to provide the details or record of the incident that proves my responsibility to it. 

Below is copy of my email sent to them. 

Case number Acct XXXX XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX  ( 23 hours ago ) to XXXX Dear Rash & Curtis client service department. 

I called your office today XXXX XXXX to question a collection note that i noticed on when i pulled my credit report yesterday. 
The note was for consumers affair in the amount of {$750.00} and then forwarded to Your office for collection in the amount of {$1200.00}. 
I dont have any idea what is this claim about. 
When i asked your representative who answered my call he informed me that its for a citation for XXXX XXXX and if I knew them. 
I answered him yes, i worked for them long time ago as a XXXX  and i never received any citation and dont know anything about it. 
I would like to request a record of the incident to understand how was this citation transferred to my name and the way to dispute it and get it removed off my credit report. 

Please send me any record of violation or citation for this claim so i can understand and further address this issue. 

Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: EQUIFAX, INC.
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:
Personal information was stolen back in early 2016 and  since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 I requested online that Capital One change the account from which they debit their auto monthly payments to XXXX XXXX XXXX. ( See screen shot verifying this ) They subsequently debited on XX/XX/XXXX and XX/XX/XXXX my monthly payment of XXXX my XXXX account. I called today and spoke with XXXX on a recorded line and two other reps who refused to refund me the {$72.00} overdraft fees I was charged. XXXX admitted that Capital one made a mistake and never debited the right account. She went further to acknowledge that she had both the routing and account numbers for XXXX but did not know " why '' they debited the wrong account. They refused to refund my {$72.00}, however they advised they would as a courtesy refund {$35.00}. I terminated the call after that and refused to accept the {$35.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: GA
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 an identity theft victim and I have previously placed fraud alerts on all 3 of my credit files. Someone continuously has tried to apply for credit and inquiries are all over my report. I have not authorized anyone to apply for anything and my I have not attempted to apply for credit. I have already submitted an identity theft affidavit along with a police report and request to block or remove these inquires and yet there has been no change on my reports. These fraudulent inquiries need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a medical debt that I have no knowledge of being sold to different collection companies. It claims that it is from an emergency room visit billed by XXXX  XXXX, which was then sold to XXXX XXXX XXXX, ( XXXX ) now this company Phoenix financial services llc, I have never heard of is attempting to collect this debt. I have contacted the original company they claim the debt is from and they told me they have no record of this. I have also had health insurance for the last 7 years and have paid my co pays Accordingly. XXXX never told me what this bill was for, and now this new company shows up on my credit report that I have never heard of. I dont know what this is for, I have never gotten a proper bill from anyone telling me what the services is supposedly received were. Not only that, but the debt is older than 5 years and they are falsely claiming this is a recent debt. I have not sought out emergency medical care since 2014. This is all completely false claims and there has yet to be proof. These companies are damaging my credit and if need be I will file a police report. I have disputed XXXX and filed complaints with consumer financial protection bureau, and They sold to Phoenix financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: MI
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:
on XXXX XXXX a XXXX XXXX XXXX  account was opened at a XXXX in XXXX michigan.This account is fraud and it was unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: ID Analytics, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
As I have stated in previous complaints, these credit bureaus CONTINUE to merge my daughter and I. We have disputed our personal information with them OVER AND OVER again. Sometimes it will get removed and deleted but it gets added RIGHT BACK! BOTH OF OUR NAMES CONTINUE TO BE MISSPELLED! WE HAVE DIFFERENT LAST NAMES! SHE HAS A MIDDLE INITIAL AND I DO NOT! OUR DATE OF BIRTH 'S ARE DIFFERENT! OUR SOCIAL SECURITY NUMBERS ARE DIFFERENT! WHEN WE CALL IN TO REQUEST COPIES OF OUR CREDIT PROFILES AND CREDIT REPORTS TO BE MAILED TO US, WE ARE REFUSED! WE ARE BEING ASKED QUESTIONS FOR THE OTHER PERSON! OUR REPORTS HAVE ALSO BEEN MERGED WITH A THIRD AND FOURTH PERSON WHO WE MAY OR MAY NOT KNOW PERSONALLY BUT BECUASE THE SPELLINGS ARE SIMILAR OR BECAUSE WE HAVE SOMETHING IN COMMON WITH THE PERSON, THEIR INFORMATION IS ALSO BEING ADDED TO OUR REPORTS! I HAVE INCLUDED MY DAUGHTER ON THIS COMPLAINT! MAIL HER A COPY OF HER MOST RECENT CREDIT REPORT AND MAIL ME A COPY OF MINE! WE HAVE BOTH CALED AND REQUESTED OUR REPORTS OVER THE PHONE AND HAVE NOT RECEIVED THEM! WE HAVE BOTH REQUESTED OUR REPORTS ONLINE AND HAVE NOT RECEIVED THEM. THIS COMPANY REQUIRES A PHONE NUMBER ON THE ONLINE REQUEST! WE DO NOT HAVE A PHONE NUMBER TO LIST! WE ARE NOT ALLOWED COPIES OF OUR REPORTS VIA ONLINE OR BY PHONE! THEN MAIL US BOTH A NEW COPY OF OUR REPORTS EFFECTIVE IMMEDIATLY! WE HAVE ALSO BOTH REQUESTED SECURITY FREEZES AND NEED OUR PIN NUMBERS MAILED TO US! WE DO NOT KNOW THEM BY HARD! PLEASE MAIL US BOTH A FULL, COMPLETED, PRINTED COPY OF OUR CREDIT REPORTS TODAY! WE ALSO NEED A COPY OF OUR CREDIT SCORES WITH THIS AGENCY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: NV
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:
With Experian, I received notification that my FICO score decreased 52 points due to a mortgage late payment from XXXX/XXXX. I disputed the matter as I had paid off the mortgage. Experian confirmed my dispute and corrected the report in 10 days, however, they only restored 48 of the 52 FICO points. There were no other factors that would have had an impact on the credit score.

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 2023-01-04
Company: ENCORE CAPITAL GROUP INC.
State: SC
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:
XX/XX/2023 Case # : XXXX MCM # : XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX whomever this may concern, Thank you for your response to my CFPB dispute but the response did not address my concerns. In the connected response, you stated youve supplied me with a Letter of Verification but the address you sent said letter to is an address that I am NOT associated with. I do not nor have I ever resided at XXXX XXXX XXXX. This proves youre violating 15.U.S.C. 1681i, alleging the account is verified but you failed to properly reinvestigate. If you were to have properly investigated my account as claimed, clearly my consumer report lists my address, both current and previous. 
You are alleging that you have no control of what the credit bureaus post despite reporting to them monthly. I have disputed several times and each time the credit bureaus state YOU ; the creditor hosts the investigations. Your letter further proves youre STILL in violation of 15 U.S.C. 1681 S-2 ( a ) ( 1 ) ( a ) because your letter states this account has been Charged Off but it has a Past Due balance. Ive never received a 1099 C document for the Charge off and the past due balance falsely manipulates the statute of limitations which is another FCRA violation. In addition to that, you are reporting different balances to the creditors. XXXX and XXXX are reporting a balance of {$1900.00} and {$1900.00} to XXXX in addition to High Balances. 
You are sending information to an inaccurate address, youve also sent invoices but those invoices do not confirm my identity. Your response also further proves youre violating 15 U.S.C. 1681 602 ; youre still reporting on my consumer report AND sending invalid information to address where I do not reside further putting my identity at risk for theft. You have no regards to my rights and clearly ignored my request to Cease and Desist 15 USC 1692c of all collection activity with the credit bureaus while under investigation along with requested evidence no later than 15 days after receiving this request. If you do not intend on replying with requested information or a proof of deletion within the allotted 15 days of receipt of this letter, send payment {$1000.00} made payable to XXXX XXXX. You have violated my rights as a consumer and I deserve to be fairly compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX money from XXXX XXXX was returned to Venmo because the debit card on my Venmo account was deactivated. Its has been over 37 days and I emailed and called Venmo I cant seem to reach them they claim because of corvid no one is available so they never returned my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I had a Hyundai XXXX Account # XXXX which had completed the lease. I never received an end of lease statement. I have made several requests for this so I can submit the damage waiver so I can have that deducted from the amount owed. 
On XX/XX/2019 I got a letter saying that a final bill will be mailed but never did get anything ( see attached ) I am also attaching a report to show that it is reporting a balance. 
This has been transferred to collection yet I never received any proper bill.

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 2021-02-23
Company: AMERICAN EXPRESS COMPANY
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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