BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was recently informed that ALLY Financial has placed 2 years worth of negative/90+ days late, payments on my credit report. I purchased a car with them in XXXX and in XXXX informed them that I had lost my job and wanted to work on a plan to try to keep my car since it was nearly paid off. Not sure where the disconnect was but my car was taken shortly after that. I did not receive any notification about the repossession ( i.e. where the car was being taken, next steps, options for reinstating my loan, if the car was being sold, NOTHING ) I 1000 % forgot about this company until my credit report was pulled and I noticed the 24+ late payments starting in XXXX!! They had my phone number, address, etc and I received ZERO correspondence! How could I be late on a payment I know nothing about?? No amount due, no due dates, no total balance, etc. How could they just add 24+ late payments in XXXX when they have had the car in there possession since XXXX? This company has single handedly DESTROYED my credit without taking the proper steps to notify me of said debt, nor did they give me the opportunity to retrieve it. They placed this account on my report as a charge-off and they have not followed the federal guidelines of my state.

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 2017-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
CHASE BANK has a misleading promotion, claiming new holders of the Chase Sapphire Reserve will be given XXXX bonus points if they spent {$4000.00} or more in the first three months. I have never owned a Sapphire Reserve card before. When I called to apply for the Chase Sapphire Reserve card, they did not tell me I was not be eligible for this benefit, but they gladly allowed me to agree to pay a {$450.00} annual fee. Chase claims the Sapphire Preferred card I had was the same account - and the reserve is just an upgrade - and therefore I am ineligible for the bonus points.
No where in the promotion details does it say Sapphire Preferred card owners are ineligible for the bonus. When I spoke with a represen tative inquiring about the Reserve ca
rd, no one told me I would not be eligible for the promotion. My Sapphire Reserve is a new credit card to me. Which is what the language below says. They did not tell me it was going to the same account. I had no expectation that it would be. " XXXX Bonus Points This product is not available to either * ( i ) current cardmembers of this credit card, * or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. To qualify and receive your bonus, you must make Purchases totaling {$4000.00} or more during the first 3 months from account opening. '' I changed my behavior, chose to use their card over other benefit cards with the expectation that I was going to earn this reward. They got my annual fee, I have spent well over the minimum in the first three months. Now Chase has informed me I will not be given the XXXX bonus points. I have escalated this with Chase as far as I can, but they will not give me what I 've paid for and earned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: Ocwen Financial Corporation
State: OH
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:
Initially was a co-owner on a mortgage in XX/XX/XXXX. Filed a chapter XXXX bankruptcy, discharged in XX/XX/XXXX. Mortgage responsibility was never reaffirmed. PHH is incorrectly, illegally reporting the mortgage account on my report with derogatory comments and history, listing a balance I am no longer responsible for. I was scheduled to close on my dream hone for myself and my children XX/XX/XXXX. This erroneous information in my file is preventing it. I have contacted the creditor to request a letter of intent to delete this account from my credit files with XXXX, XXXX, and XXXX ASAP. I provided a copy of my discharge. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For months Portfolio Recovery has called and called. I have ask for proof of debt and have sent them 2 letters requesting calls to stop. As of XX/XX/18 the calls continue on a regular basis and all from different numbers and I have not received a single document from original creditor to show debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: GA
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 HAVE SENT IN MY POLICE REPORT AND FTC REPORT ABOUT THESE FRAUDULENT INQUIRIES. HERE THEY ARE : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Alliance Recovery Group
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I received the following message This message is intended for XXXX in regards to a complaint in the process of being filed I'm calling to verify that we have the correct address for the individual well the next step will be filing the necessary paperwork at this time you do have the right to contact the information center should to wish to exercise that right that number is XXXX you will need to reference to file number XXXX I contacted the company, Alliance Recovery and was told that charges were being filed because I failed to repay a payday loan in 2019. That is all the information they would provide. They have my name last 4 digits of my social, address and phone number. They also had routing and account numbers for an account that is closed. They hung up on me three times as I tried to have them provide additional information. He said his name was XXXX XXXX and that someone would be at my house in three days to serve me with papers, alluding to arrest and official charges being filed. He would not provide the name of the payday loan company, a copy of any contract I signed or any information about his company.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-11-16
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: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Bank of America closed my debit card and blocked funds received for my unemployment from transferring to my bank. Contacted the bank for 4 days no one can explain what the issue is and my money is still on hold.

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 2020-12-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was trying to open " No borders checking account '' at HSBC online with a promotion. I got a lot of tough time. Twice my application was rejected. I reached out to the customer service via chat - got different reasons every time ( essentially which means nobody knows the truth or telling the truth ). Each chat was for 45 minutes each. 
Finally i was asked to give a call to the online account opening team at XXXX. I called them at around XXXX XXXX  and talked to XXXX. She also trying to transfer me to somebody else - phone banking. 
Nobody at HSBC knows what they are talking about and simply not helping the customer. This bank should be asked to close out it's operation and go out of USA. It is not allowing US citizens to open the account. 
Application declined Application ID : XXXX Application declined Application ID : XXXX In the past - this online application was stating that i am not eligible for this offer. Both the chat persons confirmed this. 

Some or the other way HSBC causes issues for the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: BMW Financial Services NA, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello My name is XXXX XXXX and I am writing for assistance against a company 's that I have been disputing with for over 5 months and which have not been forthcoming with information requested. While they report data onto my consumer credit files in an inaccurate manner they do nothing to answer my concerns or comply with what I am asking them for. I have turned to the CFPB as my last resort to help mediate this problem and also to oversee that they actually meet compliance to the FCRA and specifically the FDCPA and not just have them stamp their disputes that way without doing anything. 

The company is XXXX XXXX XXXX, who i have disputed and requested documents under the provisions of the Fair Debt Collection Practices Act. I simply do not have enough information about this account and need their assistance so that I can review all information and then dispute accuracy if need be from the information they hold. I need this and it is not being provided. i ask that if this company does not have such information that the removal of the illegal reported collection be stricken from my files. They have done enough damage and have done nothing to meet actual FCRA requirements. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have a Bank Of America prepaid card provided by the Edd Underemployment Office. I had online charges over 20 plus back to back on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All charges were for the same amount and same website. I not only had a block on my card I placed when I first received my card prior to this incident but I had added a online and international block months ago. I have reached out to the company regarding all the charges but have not had any help. I can't receive a new card without speaking to a claim rep. I'm just getting transferred over and over with absolutely nothing accomplished.

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 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Recently, I received a notice that my credit score decreased due to a delinquent account. Upon review of my Transunion report, I saw that a  XXXX XXXX/XXXX XXXX balance had been " charged '' off. I was not aware of this account. I do have a XXXX XXXX/XXXX  XXXX XXXX which I am aware of and pay off monthly. The details of the account in question ( the one I was  unaware of ) are below : Account # ( as it appears of my credit report ) : XXXX Date opened : XX/XX/XXXX Date closed : XX/XX/XXXX Last payment made : XX/XX/XXXX Date updated : XX/XX/XXXX On my credit report, it shows a balance of XXXX all the way up until XX/XX/XXXX, when all of a sudden there shows a balance of {$220.00}, and a rating of " charged off ''. 

Once again, this is a separate account than the credit card from XXXX XXXX that I am aware of and that I use. 

I attempted to contact the contact multiple times today, and spoke to three different individuals. They all passed me around and were unable to help me with my issue.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 being penalized on my fico credit score. my score is below 800 it s/b XXXX. I pay my credit card bill every month in full on time. is there anything you can do to change the scoring method? awaiting your reply.

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 2018-07-16
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : Ally Fincial Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

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 2020-05-22
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX  is imposing modified loan terms on us. The company added a Shared Appreciation Mortgage ( SAM ) balance to the loan that should have been waived according to the SAM agreement. 

This complaint relates to a mortgage taken from Ocwen on a primary residence in NJ, the terms of which were modified after the last financial crisis to a lower interest rate, with a SAM clause. The SAM clause provided for the SAM balance to be waived after three years of making payments without defaulting. 

Ocwen assigned the mortgage to XXXX, with PHH mortgage acting as the loan servicer, according the letter from XXXX. 

The heart of our complaint is that after years of making payments on time, and paying the balance down to USDXXXX, XXXX  wants to impose an additional USDXXXX on us, in breach of the SAM agreement, and in breach of the decency one would expect from a mortgage lender in the midst of the COVID-19 crisis. 

The loan modification was completed towards the end of XXXX, and shortly after the agreement was completed, we began to make regular monthly payments. Having made payments without missing a month for more than 6 years, one would expect that the SAM balance would have been removed. It was not. 

We called XXXX  to ask that the SAM balance be removed in XX/XX/XXXX, and they did not agree, arguing that the terms of the SAM agreement allowed them to keep the SAM balance. 

We considered that our request had been heard, as you can see in the attached letter, that a Welcome package was sent to us without the SAM balance. Then XXXX   turned around to say we owe them a SAM balance. 

We hope you can kindly ask XXXX  to review the long history of on-time payments to comply with the SAM agreement, the fact that the nation is currently in a pandemic crisis, and basic human decency, so that they remove the SAM balance and report the correct amount for our mortgage balance. 

Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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: Account information incorrect

Complaint:
Bayview completely ignored laws and is reporting a disputed amount to the credit bureau. Bayview took over my loan and even when I disputed according to the laws that are supposed to protect me, Bayview ignored and reports my account late 60 days which included the disputed payment. Bayview asked me to provide information I did, they reported to credit bureau and had caused me financial damage they are going this, as noted on your site too many many people, when will this company be stopped?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: U.S. BANCORP
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
there are several charges on account that came out of XXXX after I already moved to XXXX XXXX I contacted you this morning and wait until everything is settled but they do not want to take responsibility for the issue. I'm already experiencing homelessness because of this. they pretty big card is US Bank ReliaCard which was an option to receive my taxes unemployment benefits.

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 2020-07-20
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called Suntrust and asked why there was a {$15.00} fee on my account. They told me that it was because they faxed a payoff to someone but could not tell me who. This is ridiculous that they just provide my info to anyone that calls in, and can not even tell me who it was.

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 2020-01-27
Company: Experian Information Solutions Inc.
State: KS
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:
XXXX, Experian & XXXX were all unable to provide me with my free online credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation