BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/21 - XXXX  Credit sent me an email of debt for {$1900.00} - I looked up the company and it was for Harvard Collection Company out of XXXX, Illinois. 
I called the number and they referred me to another number for the Illinois Department of Humana Services. I never received anything from them in a letter asking to dispute this debt. They never sent anything out letting me know any information on the debt or what it was for. the Collection Agency just slapped it on my credit, in the middle of a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my car over 2 years ago Honda Financial refuses to send my title. I have repeatedly requested via phone, mail and email and I continue to be send in circles. I have sent in the odometer form on 5 different occasions, and was told that the title had been sent only to find out months later that Honda Financial has no record of the odometer statement. XXXX XXXX XXXX XXXX XXXX also shared that they do not see where Honda Financial has requested a Title Transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-30
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I contain a copy of my credit report and notice inaccurate information. Accounts reporting a wrong balance, balances that is not in subsequence order and is invalid and in violation of the fcra. Bankruptcies that are invalid. I contacted the company on numerous occasions about them reporting inaccurate information, they failed to send me method of verification, the failed to remove the information thats reporting inaccurate from my credit report. As a consumer it is my right to demand method of verification after the credit bureaus steady putting things on my credit report thats invalid, I will contact the XXXX XXXX XXXX as well as filing a lawsuit if the credit bureaus do not delete this negative inaccurate information I demand it to be deleted immediately this is my 4th challenge

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 2020-08-30
Company: Experian Information Solutions 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:
Upon viewing my credit report I found an inaccurate late payment from XXXX XXXX on XX/XX/XXXX that was reported on Experian XX/XX/XXXX. This late payment was never on my credit report all these years until XX/XX/XXXX. How can this late payment be accurate when in XXXX XXXX XXXX XXXX XXXX I had good payment history. Experian XXXX  and XXXX  is reporting this account inaccurate.

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 2021-11-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is zero as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: SYNCHRONY FINANCIAL
State: MS
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:
An hard inquiry appeared in my XXXX credit report. The company name is SYNCB/XXXX XXXX XXXX it appeared on the date of XX/XX/2019. I would like this disputed because it should be removed from my credit reports as I do not have knowledge of this account showing. It is a hard inquiry. Please remove this.

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 2017-09-17
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Once we open a case with you in XX/XX/XXXX regarding over {$5000.00} in funds in escrow account, Ocwen Loan Servicing has stop accepting our ( P & I ) payments from them. I have been talking to an escalation manager at Ocwen whose name is XXXX XXXX ID # XXXX ). I have also faxed documentation to Ocwen Research dept, per XXXX suggestion. XXXX confirm receipt of documentation. My question to you is if I am able to prove that Ocwen failed to pay my taxes & insurance on this loan which " I THINK '' is a violation of RESPA laws, can I recover my attorney fees from Ocwen if I have to hire an attorney to resolve this issue. Payments that were not made happen in XXXX which was the year our XXXX XXXX bankruptcy was confirmed. Discharge of bankruptcy was XXXX XXXX. Please advise if recovery of legal fees in a private lawsuit is applicable per RESPA laws. Recently, every 2 weeks we receive a call from XXXX saying they need more time. I think the recent refusal to accept payments is to trigger foreclosure on this property. As of today 's date XXXX XXXX XXXX, they have returned 2 payments ( P & I ). Also this year I was paying home owner 's insurance quarterly ( XXXX XXXX ) and Ocwen paid the insurance for the first time since XXXX. XXXX XXXX sent me a check back after Ocwen submitted payment. We pay our taxes quarterly so maybe they will send in the taxes for this year also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I send a two certified letters requesting Validation of this account. First letter XXXX XXXX, 2019, No response. To Whom It May Concern:This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau{s}, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g  Sec. 809 {b} that your claim is disputed and validation is requested.This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section.  I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following:•	What the money you say I owe is for:•	Provide me with copies of any papers that show I agreed to pay what you say I owe.•	Identify the original creditor:•	Show me that you are licensed to collect in my state: California•	Provide me with your license numbers and Registered Agent or Agent of Service: If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information.Best Regards,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 2021-11-03
Company: BOK FINANCIAL CORP
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My husband has a XXXX ( k ) with BOK Financial and passed away in XXXX of 2021. I am attempting to rollover the XXXX ( k ) into an IRA in my name as I need this money to live on. 

On XX/XX/2021 I submitted a Surviving Spouse/Beneficiary Application for Death Benefits along with a death certificate. I was subsequently informed that my grantor trust, of which I am the sole trustee, was named as the primary beneficiary on the account. This is a revocable trust that reports under my social security number. I sent a copy of the trust to BOK Financial and received a letter dated XX/XX/XXXX ( attached ) that denied my request to rollover the XXXX ( k ) as the trust was listed as the beneficiary. I consulted with my estate attorney and contacted BOK Financial on XX/XX/2021 and posed the below questions as advised by my attorney. Please keep in mind that I am the sole trustee of the trust that is listed as primary beneficiary on the XXXX ( k ) : " Do you have a spousal waiver form on file allowing the trust to be the primary beneficiary? If not, under XXXX, the trust can not be the primary beneficiary over me, his wife, in Arizona which is a community property state. ( this was not answered ) Am I individually listed as the contingent beneficiary? If this is the case I would like to begin the process to have the trust, which is effectively me, disclaim its position making me the primary beneficiary ( this was not answered ) The IRS has issued numerous private letter rulings where they allow a spouse to withdraw assets from the trust. Where can I have my attorney forward one of these letters requesting that you allow me to control the XXXX ( k ) and effectuate a rollover, sometimes thought of as an indirect spousal rollover? ( this was not answered ) I was told by the representative that I spoke with that they have met their obligation and will not provide me with any answers. The tax consequences of distributing the XXXX ( k ) as oppose to rolling it over will be devastating to my retirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: DC
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I previously submitted complaint XXXX and received and email from Bank of America requesting a call from me to verify my identity. I have called three times and had to leave a voicemail each time. Their voicemail states I will hear back from them or their colleague within 24-48 hours. I have yet to receive a return call. This is a pressing matter and I have followed their instructions. They demand that I call them by XX/XX/2020 but yet they can not return my call. 

I want the courtesy of a return call. My next actions are to contact the OCC, the XXXX and my state 's Attorney General 's Office. 

I want the fraud protection I am promised and deserve. I did NOT participate with the merchants involved with the 72 charges in my claim.

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: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX/XXXX/XXXX I received letter dated XXXX/XXXX/XXXX from Midland Credit Management in reference to a balance owed from XXXX XXXX XXXX in the amount of $XXXX.XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Reporting company used your report improperly

Complaint:
On XXXX I received a preapproved offer through XXXX XXXX for a XXXX unsecured personal loan at just over 23 % through One Main Financial. The loan would have been used to pay off credit card balances which would have improved my credit score allowing me to refinance my home. When I accepted the preapproved offer a hard inquiry went on my credit and  they changed the offer to a secured loan against my autos. I let the person on the phone know my vehicles have loans and I wasn’t applying for an auto loan. The lady told me that the company charges 33-37% on unsecured personal loans. Had this been disclosed up front I would NEVER have applied. If this was somehow, someway disclosed, it was hidden at best. I believe it was outright fraud via bait and switch. I would like the inquiry removed from my credit report. I called the credit dispute of One Main and was told I could write a dispute but it would not change anything .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have Slate Chase Credit Card, Chase have been charging me@ 29.99 % APR on Purchases, i had tried calling them in the past tried to negotiate rate but no luck. Then i stopped using this card for almost a year and then they sent me a notice of canceling my card if i don't use it. To my knowledge, if Bank cancels my card it reflects negative on my credit report. Besides this, its outrageous for banks to charge 30 % apr on credit cards Purchases, i have another credit card from Chase/with Amazon Prime that they have 12 % apr ( Thanks to Amazon ). And on all my other credit cards i don't have APR more than 15 %, i have an excellent credit history and FICO scores even then Chase charging this outrageous 29.9 % APR. Imagine consumers with not so perfect credit history and FICO score? 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
This account was paid in full and still it has not been updated to the credit bureaus it's showing that I ower {$890.00} and I don't owe anything on this account. Please update this account and remove any delinquent payment history associated with this account.

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 2019-11-11
Company: Experian Information Solutions Inc.
State: SD
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, I have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.

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 2021-11-03
Company: Receivables Management Partners, LLC
State: TX
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:
This company RMP Services LLC is using my information without my permission which is Identity theft. I have never done business with this company before. This company is reporting information on my credit report that is false. I demand they take off this slender to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: AmeriHome Mortgage Company, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have paid {$15.00} more a month on my mortgage payment since day 1. They can not tell me what happened to the extra money yet they claim im behind. Now Amerihome is saying i haven't paid since XX/XX/2020. Meanwhile they sent me back a check for {$500.00} saying there was no account to credit it to. However they did receive my XXXX payment, for {$590.00}, which they applied for XXXX of 2020. Now while i have made all mortgage payments and can show proof and have shown proof but i did not submit the increase for two months which was {$89.00} per month. I did send on XX/XX/2020 a payment of {$200.00} to cover the difference and the late fees. However even though they have received proof from XXXX XXXX  that all monies was sent they still say i owe them for 2 months. I have tried to work this out for about a month and a half now but they are threatening me with foreclosure.The supervisor Ms  XXXX was supposed to call me and as of today i have heard nothing. I was told by Mr  XXXX that he would remove the late fees and submit a request to have Amerihome investigate into the matter and remove their derogatory remark on my credit report to the credit bureau which damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Chrysler Financial and the selling dealer have XXXX  this account up since day one. Constant issues. Finally able to setup auto pay for XXXX   payment and forward. No issues until I get a past due in the mail today XX/XX/XXXX showing no XXXX, XXXX, or XXXX payments made. XXXX?! Its on autopay, if there was an issue tell me in XXXX, or XXXX orrrrr anytime?! Same pattern of negligence and inconsistency since day 1. Every account rep has a different story, no information can be trusted, and nothing works.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: General Motors Financial Company, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a car loan with GM financial up until XX/XX/XXXX. On XX/XX/XXXX I traded in the car back to XXXX XXXX where I originally got it for something else. After tradeing in the car I noticed several months later that I had 2 late payments for XX/XX/XXXX and XX/XX/XXXX. I have turned in documentation several times to GM financial which includes a letter saying the dealership had the car. All I've asked was for the payment history to be updated to reflect not late because I no longer had this vehicle. On my XXXX credit report it has a closing date of XX/XX/XXXX while on my XXXX it has w closing date of XX/XX/XXXX. The last time I disputed this information GM financial added a late mark for XX/XX/XXXX on a closed account from XXXX. I called and notified them of this in which the call is recorded. All I want is the late payments to reflect on time never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: BlueChip Financial
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
my complaint is not just about the change of amount to pay but the horrid customer service and how many times I have reached out to them. I took a XXXX dollar loan out mud summer with spotloan, It was being taken out on a day oppisite of my pay day week. I asked to have it taken out the same day but next week for convenience of it being on a payday since it wouldnt of been easy for me to pay that week. So I received an email back saying yes it was changed to the day I requested and it was not. It was actually changed to 2 weeks from then, which I originally did not complain about since I didn't have the money I just decided to pay it from my next check i paid and paid for 3 more months ans my balance never went down i received an email saying my loan was extendesd. I understand fees and interest especially with a loan like this ... but my balance went from XXXX to XXXX ans now will not be paid off until XX/XX/2021, i called. The guy explained to me since I moved my day my loan was extended XXXX dollars! And it wasn't even on a payday which he could not move for me unless I wanted it extended more. I have paid and paid on this.loan. I pay twice a month on this loan and my balance still to this day is XXXX and I have spoke with them to try and work with me and there is nothing they can do i paid for 3 months in a row.. these past 3 months and my loan is still at XXXX I honestly believe it won't be paid off in XXXX i believe it doesn't go down. I also just requested this week for it to be moved to a pay date once again for convenience i got no.email back until they said it was moved to XX/XX/XXXX i stated in multiple emails ans I have proof i did not want it changed of it extemded the loan I callled today since it is suppost to be taken out tomorrow ams the girl could not tell me of it will be pulled out tomorrow or XX/XX/XXXX i am livid with this company and I feel like I'm drowning

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation