BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: Affirm Holdings, Inc
State: FL
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 did an online hotel booking thru XXXX for XX/XX/2021 to XXXX XXXX and XXXX XXXX XXXX XXXX. 
The finance company Affirm has harassed me via phone and has turned in to the credit bureau I have late payments on a booking that never happened. XXXX XXXX refunded XXXX and XXXX only refunded the Affirm company XXXX on XX/XX/2021. I ow no one for anything and let Affirm know their issue is with XXXX as I NEVER gave Affirm permission to pay for a booking that never took place. XXXX will not contact me about the due monies to Affirm that they have been paid back by XXXX XXXX. This is defamation of character to myself and also blatant harassment. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: OneMain Finance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
When I got my loan from one main financial I had no control over the computer when I was signing the contract and adding Gap insurance. The lady asked me how long I had been at my job and I told her about 7 or 8 months. She then asked if I wanted to add Gap insurance. I said yes. She asked me if it would be ok for her to have control of the computer so we could get the contract finalized faster. As she went through the terms and conditions never did she mention that I was not eligible for Gap insurance because I had not been at my job for at least a year. So few months later I lose my job and I call one main to see how to get my gap insurance to kick in, I was told that I was denied because I havent worked at my job long enough but one main sure did take my payments from me with that extra charge for my Gap insurance that I was not eligible for. I would have never agreed to the loan had I been told the truth. I never received a copy of my loan terms and conditions nor did I even get to read the terms and conditions before I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Finance System of Toledo, Inc.
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:
I reached out to these medical collection agencies for verification of the debt as I had never received any notice of collection prior to these accounts being added to my credit report. They were in violation of my HIPPA rights as they had very personal information about my medical visits. During the time of these medical visits I had insurance and it should have been paid through the insurance company. Even then I still tried to reason with these companies and get them paid and have then removed from my credit report to no avail. The companies are Finance Systems of Toledo, XXXX XXXX XXXX, and XXXX XXXX XXXX. These are all very small collections that I would never have defaulted on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: WELLS FARGO & COMPANY
State: ND
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: Card was charged for something you did not purchase with the card

Complaint:
This is a second complaint referencing the fraudulent charge mentioned in the complaint XXXX to the Wells Fargo credit card ending in XXXX, a card I have not used for at least XXXX years and expired in XXXX of XXXX. 

As mentioned in the complaint filed XX/XX/XXXX : when reporting the fraud on this account, my conversation with the Wells Fargo fraud section representative on XX/XX/XXXX included my direct unambiguous requests to NOT ever issue any new cards to this account. 

Today XX/XX/XXXX, less than XXXX weeks from the above mentioned direct request, I am reporting that Wells Fargo has issued a card with a different account number that was received at my address. This is Wells Fargo intentionally circumventing my direct request to cease having active cards issued for this account. XXXX. 

The document attached to the new card suggests this new card is attached to the same credit account under my name but has changed some of the numbers on the card face. Issuance of this card suggests Wells Fargo is attempting to keep the account active against my wishes and collect on fraud, both represent fraud. 

I will not be activating this card. I consider this activity clear evidence Wells Fargo is in the business of making money through deception and/or fraud.

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 2020-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was shocked when I reviewed my credit report and found a late payment for the following date : XX/XX/2019 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband has had some very significant health issues during the last few years with XXXX XXXX and XXXX dramatically reducing our household income. I also had to take a considerable amount of time off to tend to his needs. During this time frame we fell behind on our mortgage payments and reached out to PHH Mortgage for assistance. However, instead of helping us, they took us through their loss mitigation process and denied us for mortgage assistance because we were had two car payments. We can not believe that they would turn us down for help without allowing us the opportunity to refinance or pay off our vehicles. We now have a foreclosure sale date on our house scheduled for XX/XX/XXXX and it appears that we will be homeless. We are too old to start our lives over and the house is set up perfectly for my husband. He would be very disorientated if we had to move into an apartment or with family. We have plenty of money to afford a reasonable mortgage payment, but we do not believe we can get PHH Mortgage to treat us fairly. We have never had a single point of contact that we could speak to, as they are never available and are constantly changing. We never understood how we paid our mortgage on time since XXXX and everything was good, but when my husband and I hit a financial blip in the road, PHH Mortgage turned their back on us. Our financial situation has been resolved and we are back on solid financial ground. We should have contacted you sooner to get help in dealing with PHH Mortgage and am hoping it is not too late. We just feel that PHH Mortgage has not followed proper protocol in reviewing our loan and are rushing to foreclosure on us. This is all avoidable as we have sufficient income to afford a reasonable payment and we do qualify for assistance based on our government guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a 40 year ARM that adjusts yearly. On XX/XX/XXXX, I exercised a one time option to fix my loan at the current rate without the need to refinance. Per the " Adjustable Rate Mortgage Disclosure Notice '' I requested this option on the above date with a letter in writing. 

In XXXX of XXXX I noted that I received an " Adjustable Rate Mortgage Disclosure Notice ''. My payment had gone up and the rate had not been fixed. 

I contacted Union Bank, they stated, they did not receive my letter and will not honor the request. They will not acquiesce to any concern of mine that the letter was overlooked or intentional neglected. Do I have any recourse?

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 2023-06-08
Company: EQUIFAX, INC.
State: LA
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Eastpoint Recovery Group, Inc
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Around XX/XX/21 my adult daughter who is a business woman, said a woman called her and asked for information about me. My daughter said the woman was extremely rude and thought my daughter was myself, My daughter told her she would not give out information about me to this rude woman! I later recieved a voice mail on my phone from this woman who was yelling that she sent someone to my address and I was not there! She continued to yell a say I need to contact her because the will be serious consequences, My daughter has her own home, so this woman searched for relatives with the same last name as mine and used bullying tactics, This is a credit card debt I could no longer pay due to job loss and a recent divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
they closed my account on XX/XX/XXXX they didn't reopen it even after i follow the rules ( i deposit my wages check they closed it for security and of course they charge me for the check not going trough so my buss called in and verify but nothing has moved since then and they charge each month for my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 I contacted by certified mail XXXX and their hired collection agency XXXX XXXX and asked them to produce validation of said debt. They did not respond even though the certification was delivered on XX/XX/2018 and signed by a party from their company. They are stating that the debt owed is {$1500.00} in which i asked them to give a break down of equipment versus usage charges in which they refuse to disclose. All equipment was returned to their XXXX Site and they hand delivered and emailed that the equipment was received. I than asked for validation information pertaining to said charges that are " still due '' but they refuse to disclose and/or produce documentation. They have resold the account to Convergent Outsourcing who has also refused to disclose requested information about any updated information and their validation of this said debt of {$1500.00}. I have called XXXX on several occasions but to no avail they leave me on hold for hours without addressing any issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage was sold by XXXX to Specialized Loan Services in the midst of a refinance in XXXX of XXXX. We were informed by XXXX that we had a 60 day grace period after a loan had been transferred and that the refinance would be done in that time. So we didnt pay the XXXX mortgage. At the end of XXXX the loan was transferred back to XXXX. All was settled. In early XXXX I got a warning that my credit rating had dropped due to a delinquent account. Upon investigation I have found that Specialized Loan Services reported my account as delinquent as of XXXX of XXXX. I have contacted them 3 times and have not had a satisfactory reponse. This is the only negative mark, albeit incorrect, on my report and is dragging my credit down from the 800s to the 700s or below.

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 2023-05-10
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:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: DISCOVER BANK
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to.apply for a card and it ran multiple times XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX. My wife and I are XXXX and XXXX respectively. We are currently Platinum Rewards customers with Bank of America ( BOA ) and have been faithful customers for more that 30 years. Up until XXXX of XXXX our credit rating had been in the mid to upper XXXX. However, in XXXX of 2021 we received a letter from BOA stating that our credit rating was now in mid XXXX due to missed payment in XXXX and XXXX, 2021. 
As a result, our credit limit on our Travel Rewards Card went from {$14000.00} to {$3000.00}. Although the minimum payment was {$43.00} per month we paid {$200.00} each month. I want to add that in XXXX of 2021 I underwent a XXXXXXXX XXXX  and in XXXX of 2021 my baby brother XXXX from a sudden and massive XXXX XXXX at the age of XXXX. 
We consider these extenuating circumstances ( as well as I accidentally unchecked mailed bills on bank setting ) that resulted in our being late on these payments. 
I contacted a Vice-president of Complaint Resolution for BOA in XXXX of 2021 by the name of XXXX XXXX XXXX XXXX and explained our situation. My request to her was to consider our past reliability of XXXX late payments to BOA for ANY accounts for our entire history with the bank as well as the above mentioned medical and death in the family events. We wanted our credit limit on our travel card and our superior credit rating returned to their previous levels. Unfortunately, this request has been denied by BOA. This was not a satis My wife and I are appalled and disappointed that even during a pandemic and with life changing events as noted above, that a banking institution, that just recently in an email thanked us for being Platinum Rewards members, could not make a special allowance to restore our exceptional credit history and financial reputation. 
Is there anything that you can do to help us in matter?

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 2019-01-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged interest of {$22.00} on an item I did not have possession of. The purchase was made XX/XX/XXXX for a refrigerator in the amount of {$960.00}. It was supposed to be delivered on XX/XX/XXXX. I went to Home Depot and cancelled the order on XX/XX/XXXX. My statement shows I received a credit of {$950.00} ( don't know why {$10.00} difference, but that's not the problem ). It also shows an interest charge of {$22.00} on XX/XX/XXXX for the refrigerator I NEVER HAD POSSESSION of. This is continuing the rip off by Home Depot of what they describe as " practices complying with all applicable laws ''. No wonder they push for paperless statements. 
I recently filed complaint XXXX against Home Depot 's billing.

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 2020-12-09
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my back pay for my unemployment finally after waiting for it to be fixed for over 3 months, it took a lot of time and effort to get it fixed. Once my deposit hit my chime bank account withing a hour or so they suspended my account due to unusual activity, I guess a deposit from the unemployment office is unusual activity, before it was suspended I have gotten my deposit every week for over two months and never had a problem. So once I found out my account was suspended I called them immediately and found out basically they wanted me to verify myself, and I asked them what I needed and I sent everything immediately, once they receive documents they say they have 24 to 48 hrs to respond, so the next morning which was about 12hrs later they responded and now I'm wanted more information, they asked for more stuff than the unemployment department ask for, so I provided that, I called right after I sent everything and confirmed they had everything they needed but there was nothing else they could do for me because the department that handles the suspended account is a special department and can't be contacted any other way than email. It's been 48hrs times 3 now and still no response, I send emails every few hrs no response, I've checked there reviews out and there is a bunch of people with the exact same situation as me that lost there money, I will not let that happen to me, I did nothing wrong. It seems to me that they are taking advantage of low income people and keeping there unemployment knowing there isn't much they can do about it, most low income people don't have the resources to afford to do anything and they know that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXBalance : {$2200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$850.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$490.00} ( Original Creditor : XXXX ) XXXXBalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: CITIBANK, N.A.
State: TN
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 checked my XXXX credit report and discovered that fraud occurred on XX/XX/XXXX at Citibank NA, XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX I never authorized this bank to pull my credit report, I called XXXX and reported this fraud to the Fraud Department and the Representative told me that I need to call the police. and on XX/XX/XXXX XXXX  Account Review XXXX XXXX XXXX XXXX, GA XXXX pulled my credit report without my authorization I never applied for anything with these companies please help I have tried to report this fraud with XXXX, and they're willing to help 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 2018-10-13
Company: EQUIFAX, INC.
State: FL
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 am unable to view my credit report and score from Equifax using XXXX on XX/XX/18. XXXX told me Equifax has a block on it to contact them. I contacted Equifax and they sent me to Consumer Affairs. Consumer affairs told me I can not ever see my credit report or score online. They can send me a paper one in the mail only. They could not give me a reason why. I never reported a fraud alert.

Company response to consumer: Closed with explanation