BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I unfortunately lost my job in XXXX, but was able to continue making my lease payments for a few months. After not being able to find a job, I contacted Ally Financial in XXXX and requested a 2 month extension. The representative I spoke with agreed and said he'd made the adjustment and put notes on the account. My payment was due on XX/XX/XXXX, it's now XX/XX/XXXX and I found out no extension was ever placed on my account and my account is delinquent with a late charge. 
I called back and spoke to a collection representative who stated they were able to see no notes about my previous discussion. She then stated she could offer me the 2 month extension, which I gladly accepted. However she then back tracked saying I'd have to make a partial payment ( which was actually a full payment ) in the next 10 days for me to be able to get the 2 month extension because the account was 17 days past due. 
I tried to explain again that I had called previously before it went delinquent, the way she spoke it made it seem like she was trying to get me to make a payment to hit her " bonus monthly goals '' rather than to actually try to help with the 2 month extension. 
She then tried to threaten me by saying she was removing the 2 month extension if I didn't want to pay. She then went on to say I requested her to cancel the 2 month extension which I never did. All in all was a very frustrating conversation on top of an already frustrating situation when I'm out of work. 
We never got the problem resolved as we were going around in circles and eventually I had to disconnect the call. 
Also the car is worth more than I owe, however Ally will not allow me to sell the vehicle to any third party without increasing the amount owed from what he actual payoff is, is this even allowed?

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 2020-08-21
Company: Experian Information Solutions Inc.
State: VA
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:
THIS IS NOT A DUPLICATE COMPLAINT - IT IS A NEW MATTER FOR A DIFFERENT YEAR THAN PREVIOUSLY SUBMITTED. PLEASE READ THE COMPLAINT CAREFULLY. 

I submitted the following complaint " On my Experian & XXXX reports for the XXXX XXXX XXXX   XXXX ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off. '' XXXX closed out stating they did not have to investigate because it was substantially similar to previous complaints that had already been investigated. 

This complaint is NOT similar to other complaints previously submitted. If you read the complaint, it is referencing a late payment you are reporting in XXXX. The previous complaints are for XXXX and were regarding a different dispute entirely that was in re to a forbearance and whether the backdating of the forbearance should result in the XX/XX/XXXX late payments being removed. This is in re to You were paid off in XXXX and now are reporting a late payment in XXXX. The late payment in XXXX needs to be investigated and removed because it is after the loan was paid in full.

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 2018-12-19
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my current loan for my1st house with XXXX XXXX XXXX ( Loancare ). I have been paying promptly my payments for the past 2 years. In order to get rid of my PMI, I have been following their instructions and as per they letter, it states : " If you would like to pursue a cancellation of PMI based on the current value of your property, an appraisal is required to determine if your LTV has reached 80 % or less ''. I have requested the appraisal, paid for it, and the LTV is now at 79 % for the past 4 months. Since I didn't have 2 full years of loan payment, they have asked me to contact back in XXXX ( never understood this, but anyway ). I have contacted them, and now they state over the phone : since you had an appraisal done, the LTV has to reach 75 %. On a new letter sent to me they are advising me I need an appraisal and LTV has to be 80 % or less. I have asked a few other brokers and accountant and they have never heard of the 75 % and have advised me to contact you. Also, this keeps dragging for over 4 months now and despite email communication, complaint about their services and phone calls I am still waiting for a proper answer. I really would like to understand my rights and since when once an appraisal is done I need 75 % of LTV, especially as this was never required in any of their letters. Thanks

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 2021-03-13
Company: SUNRISE CREDIT SERVICES, INC
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation 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 explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX   XXXX {$550.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$150.00} XXXX  XXXX XXXX {$1400.00} XXXX XXXX {$1300.00}

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 2019-03-27
Company: COAST PROFESSIONAL INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We are a business. Coast Professional Inc requested a verification of employment for an individual. We informed them that all VOE require a hand written or electronic signiture from the individual they are requesting information about. They faxed a VOE without any signature. We informed them it was incomplete. Over the course of 2 days we continued to receive multiple calls ( at least 6 ) where the same female harassed us requesting information because " I'm in NY and can't get a signature from the individual '' and " He won't return my call, can you just put him on the phone so I can talk to him? '' and " Can you just get the signature for me? '' as well as several other obvious tactics to maneuver around our policy. The calls have continued even though we have told her we can not assist her without a signature. This is harassment and needs to stop.

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 2017-08-03
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter to recast my mortgage from {$890.00} to {$820.00} and take effect on X/X/17. I signed the form and sent this form, along with a name change form and a form granting access to my account for my husband and sent it certified mail ( USPS tracking number XXXX XXXX, as my recast expired on X/XX/17. The package was received at Chase on Friday, XX/XX/XXXX at XXXX. I received paperwork, stating that they changed my name and had given access to my mortgage account to my husband. I just went to pay my mortgage and it 's still {$890.00} and Chase is saying they never received my recast paperwork and it expired on X/XX/17 and there 's nothing they can do. This is fraudulent, because that paperwork was in with the rest of the paperwork they miraculously received. I want Chase to honor this recast and to prevent further consumers from going through this frustration. The name change and access documents were not time sensitive so there would be NO REASON to send these certified mail, other than the fact that my recast paperwork was also in this envelope!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am working with a debt modification program through XXXX XXXX XXXX  and following the protocol I was given. Capital One has no received a payment directly through me since it will now go through XXXX XXXX. They have called me every single day, multiple times a day and I have had to block them on my cell phone. They have now started calling my job ( Starting on XX/XX/21 ). I informed the representative that I am a part of a debt modification program and to never call my place of business ever again and that all future correspondence on my behalf needs to be directed to XXXX XXXX XXXX and I provided them with the phone number. He said " Thanks '' and hung up. They have now called me every day since. Today XX/XX/21 I received a call from a woman from Capital One and I told her the same thing. This is getting extremely stressful and very unprofessional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
regarding complaints ID XXXX & XXXX I have submitted today and I want to submit additional documents. According to the company response that I never agree with because the information are not true. Please find attached documents for your review. 

name on loan is XXXX XXXX I am XXXX XXXX is person who applied, be responsible for the loans and dealing with loan service for errors they made and forced the borrower to accept the loan term even borrower never agree with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Sequium Asset Solutions, LLC
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: EQUIFAX, INC.
State: VA
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:
THIS IS NOT A DUPLICATE COMPLAINT - IT IS A NEW MATTER FOR A DIFFERENT YEAR THAN PREVIOUSLY SUBMITTED. PLEASE READ THE COMPLAINT CAREFULLY. 

I submitted the following complaint " On my XXXX & Equifax reports for the XXXX XXXX  Subsidized Loan ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off. '' XXXX closed out stating they did not have to investigate because it was substantially similar to previous complaints that had already been investigated. 

This complaint is NOT similar to other complaints previously submitted. If you read the complaint, it is referencing a late payment you are reporting in XXXX. The previous complaints are for XXXX and were regarding a different dispute entirely that was in re to a forbearance and whether the backdating of the forbearance should result in the XX/XX/XXXX late payments being removed. This is in re to You were paid off in XXXX and now are reporting a late payment in XXXX. The late payment in XXXX needs to be investigated and removed because it is after the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Ocwen Financial Corporation
State: IN
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 made my typical monthly payment to Ocwen on XX/XX/XXXX only to have it returned to me in XXXX. When I called to find out why they sent me a check for the same amount of XXXX they stated my loan was due to be paid off by XX/XX/XXXX which I was not aware of. 
I asked them how this would impact my credit since I did make the payment and they said it most likely would show delinquent. I ended up wiring the payoff amount immediately after finding out it was due for XXXX on XX/XX/XXXX. I just checked my credit history and it is showing delinquent for not only XXXX but for XXXX too. I have attached screenshots from XXXX to show payments were received and therefore should not be delinquent for both months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Capital One has refused to protect my credit card ( MasterCard ) from fraud. An online company charged my credit card more than a dozen times, more than {$2000.00}, without my authorization and after I had expressly forbade them to do so in an email. This continued for three months, XXXX through XXXX, 2015. First I demanded that they close my account, and they said they would, but charges continued to come on my credit card account, so obviously they kept my account open against my wishes. I demanded they close the account three times by telephone, and they blocked my account online so I could n't close it myself. I reported this to Capital One, and asked them to block payment to this company, but they refused to do that, which would have solved the problem the very first time a new charge came through. As an alternative, they offered to refund my account, and asked for documentation for my claim. I gave them written emails and pages from the online company 's website which proved that I had ordered them to cease charging me two months earlier, and I refuted with documentation every lie that this fraudulent online company countered with. But Capital One refused to protect my credit card from fraud. I had to cancel my credit card number to stop the online company finally, and now I have cancelled my Capital One account altogether. They do not care about their customers, and anyone who accepts a credit card from them will regret it. Capital One will not protect you against fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2021, I requested a copy of a credit report from XXXX. I received a copy of this report on XX/XX/2021. 

On XX/XX/2021, I submitted a request via Certified Mail to XXXX to validate a Bankruptcy with the US Bankruptcy Court-XXXX XXXX to be listed as100 % accurate with no missing information. 

The letter certified letter was received by XXXX on XX/XX/2021. In response, I received a letter dated XX/XX/2021 that XXXX contacted XXXX XXXX XXXX to determine the accuracy and completeness of the information they are reporting. However, they did not verify the information to be reported 100 % accurate with the US Bankruptcy Court-XXXX XXXX I also verified with the US Bankruptcy Court-XXXX XXXX in writing that they do not verify or validate information with ANY Credit Bureaus or Credit Reporting Agencies such as XXXX. 

On XX/XX/2021, I sent a second letter via Certified Mail to XXXX to validate a Bankruptcy with the US Bankruptcy Court-XXXX XXXX to be listed as 100 % accurate with no missing information. 

The letter certified letter was received by XXXX on XX/XX/2021. In response, I received a letter from XXXX that they were unable to process my request at the time. 

As of XX/XX/2021, XXXX continues to provide Bankruptcy information to Credit Bureaus and have not verified said information to be 100 % accurate with no missing information with the US Bankruptcy Court-XXXX XXXX. 

Furthermore, the information is not being reported accurately & correctly with all Credit Reporting agencies. 

This inaccurate information has a negative marking on my credit and is affecting my ability to obtain credit as well as my credit scores. 

I would greatly appreciate it if you can make written contact with XXXX and request that they verify with the US Bankruptcy Court-XXXX XXXX in writing the information they are providing to Credit Bureaus to be 100 % accurate & complete.

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 2020-07-02
Company: EQUIFAX, INC.
State: VA
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: Other problem getting your report or credit score

Complaint:
I have called Equifax Numerious times trying to get a credit freeze off of my credit report. I get a foreiner who knows nothing and thinks they own the company. They keep telling me that that I ghave to send in more info to get my credit report. I would like to purchase a car and they are hurting me. They want me to send info to put into the database so they can let everyone get it again from there data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: National Credit Systems,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:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
PayPal credit has not been mailing credit card statements only notified me by e-mail until this month. I paid all my payments on time except the XXXX payment. Once I realized there was an over due payment I paid the account in full. Pay Pal has assessed me with a late fees and interest charges of {$29.00}, {$33.00} and {$40.00} since I paid them in full on XX/XX/XXXX. I called them today and the consumer rep said would waive the last 2 charges if I agreed to pay the {$29.00} for the first late fee and interest charge. I want all the late fees and interest charges credited back to my account because they did not notify me in writing of the payments due.

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 2018-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One shows and inquiry on my credit report from 2017. I NEVER authorized this.

Company response to consumer: Closed with explanation