BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I aply for Discovers Credit card and they send me by email they more information and I call they Check process after about 30 minutes they say My Credit is very short to aproved I have on this time over 660 for me ist about because XXXX XXXX XXXX and This is racism

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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: Personal information incorrect

Complaint:
I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

these companies have re-aged all my '' alleged accounts ' Totaling to a {$10000.00} plus LAWSUIT for all the re-aged accounts.

I have tried to correct this issue with them several times and they refused to remove the information from my credit, i have consulted an attorney to work on my behalf for the damages brought to my credit report.

I have also enclosed the letter i sent to all three companies, they have yet to respond and its been 60 or more days.

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 2019-07-15
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
this corrupt inept, scandelous company froze my credit w/out my permission, they have several XXXX, and XXXX XXXX XXXX complaints, i have called them several times and they never answer the phone, just tell you to leave a message which they never return, so right now they control my life and my credit by the freeze. i wa n't it taken off and this company fined. i have made complaints with XXXX, XXXX XXXX XXXX and atty general.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am the owner of a coop my mother purchased in XX/XX/XXXX. The proprietary lease was transferred to my name in on XX/XX/XXXX. My mother, XXXX XXXX, passed away on XX/XX/XXXX. After my mothers death, I learned that the mortgage associated with the coop is not in my name. It was in my mothers name and my estranged uncles name, XXXX XXXX. 

Since my mothers passing, I have moved into the property tied to the mortgage and have made consistent monthly payments ( over {$4000.00} in XX/XX/XXXX alone ). I have made several attempts to contact PHH Mortgage Services regarding transferring the mortgage solely into my name as this is my property, primary residence, and a debt I am paying off. I provided all documents required to initiate the transfer including my mothers death certificate, my photo ID, certificate of title registered to my property, and court order transferring the property to me. 

Despite all this, PHH Mortgage Services refuses to speak with me as my name is not on the mortgage. To make matters worse, PHH removed my mothers name from the mortgage after I submitted her death certificate. The lien is now in my uncles name/social security number a person I am no longer in contact with and who has no link whatsoever to the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Commerce Home Mortgage, Inc
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Commerce Home Mortgage has been attempting every month since XX/XX/2019 to collect on a mortgage they no longer own. Every moth its the same, we call in to dispute, they apologize recognize they have sent out a goodbye letter and say they will take care of it. Next month here comes another bill requesting all back payments through current. Clearly they are attempting to collect on a debt they do not own anymore and have been informed multiple times and acknowledged such. It is a waste of our time to sit on hold and waste our time for their dishonest/lazy behavior. I cant help but wonder how many people may have actually paid these people in error. I feel this is harassment at this point and will be seeking legal advice next.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Netspend Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I called netspend prepayment card and ordered them to clos all my accounts but every time i call them the acounts are still opened THEY STOLE XXXX out of my all acces acount

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 2021-08-18
Company: Delivery Financial Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : DLVRY FN SVC ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019, we entered into an approved repayment plan with our home mortgage servicer US Bank HOme Mortgage with first payment beginning in XX/XX/2019 for {$5000.00}. We made this payment. We also made our XXXX repayment plan payment for {$310000.00}. The agreement with US Bank is uploaded with this complaint. 

Our loan with US Bank was transferred to a new servicer, XXXX XXXX XXXX on XX/XX/2019. XXXX XXXX XXXX did not honor our existing repayment agreement with US Bank when the loan transferred to XXXX because XXXX states it did not receive any documentation from US Bank indicating we were in a repayment plan with US Bank. Thus, XXXX placed our home loan in Active Foreclosure on XX/XX/2019 where it remains today because of US Bank 's negligence in transferring our agreement with them to the new servicer. XXXX 's attorney has sent us notice of the foreclosure. The letter from XXXX 's attorney is uploaded with this complaint. 

Now, we are not permitted to pay our scheduled repayment for the month of XXXX because XXXX views us as being in Active Foreclosure where it can not accept payments. 

When I called US Bank to prompt them to send XXXX our repayment agreement, US Bank representative XXXX stated that the reason US Bank can not send the repay agreement to XXXX is because US Bank marked our loan as having completed the repayment plan when it closed the loan out. She also said US Bank marked the loan " delinquent '' when they sent it over to XXXX. This is inaccurate. Our repayment plan was NOT completed. It was current and on going. And, our loan should not have been placed in ACTIVE foreclosure w/ XXXX if US Bank had transferred our documents appropriately. 

Because we are getting nowhere trying to motivate US Bank to procure the documentation in support of our repay agreement with them, we emailed the agreement to XXXX ourselves. Still nothing has changed. Our home is still being foreclosed upon simply because our loan servicers changed and documents were not included in the transfer.

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 2020-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Today on XX/XX/XXXX, my wife received an unsolicated application in the mail that was open with the application removed. I tried calling Capital One to flag the application and they wouldn't do anything without giving out personal information which we did not want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
MY PROBLEM IS THAT SANTANDER CONSUMER IS RECEIVING PAYMENTS FROM ME BY CHECK AND ACCESSING THE FUNDS AS " XXXX XXXX XXXX '' AS AN ELECTRONIC CHECK WITH NO INFORMATION OF PHONE OR ADDRESS i SPOKE TO OFFICALS THER E AND THEY DID NO GIVE ME A SOLID SOLUTION OR REASON FOR THIS AS THEY ARE LOOKING INTO IT. 

( YOU MAY PUBLISH THIS COMPLAINT AND THE RESULTS )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Called and spoke with " XXXX '' and " XXXX XXXX and neither one of the resolved my issue. I asked them who did they contact at the court house to verify the bankruptcy. They told me they do not have to provide me with verification of who the contacted and who they spoke with to verify my information. 

I have contacted the court house and also provided letters to the credit bureau and they have failed to verify my information. 

file # XXXX XXXX and Transunion have failed to provider proper documentation to give me as a resolution to my dispute.

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 2022-10-04
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, my wife paid her car loan from our joint account with M & T Bank, which recently bought out our bank her in Connecticut ( Peoples United Bank ). She used the new bill pay app from M & T. The old app added the decimal point to the left of the last two digits input, the M & T app added the decimal point at the end of the digits input. This caused an overpayment to XXXX our loan company of {$57000.00} on a payment that should have been {$570.00}. 

M & T bank never notified us of the overdraft, and we didn't learn of it until receiving the title to the car in the mail. 

We immediately went to the bank on XX/XX/2022 to have the charge reversed and they claimed there was nothing they could do as it was an ACH transaction and we would have to talk to XXXX to get our money back. According to ACH rules, a reversal is allowed because there was an error in the dollar amount. ( ACH Rules Quick Guide ), as long as the bank is notified by the fifth business day after the transaction. We asked for the reversal on the fifth day in person at the bank, therefore there should have been no reason for not reversing the payment. 

I suspect that due to the number of problems they have had with the buy out of our bank and the substantial number of errors they have made, that they told us there was nothing they could do in order to keep their percentage of ACH reversals under the threshold for scrutiny. This may or may not be true, but certainly fits the facts of this case.

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 2020-05-09
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX ( loan servicing ) under United Wholesale Mortgage applied both escrow and monthly payments in error resulting in delinquent account reporting to the credit bureaus.

Example 1 : {$2600.00} escrow payment was made on XX/XX/2020. 
- XXXX/UWM reversed the escrow payment the same day as payment was made and applied it as the XX/XX/XXXX payment weeks prior to due date. 
- No notification was provided to me that this occurred. 

Example 2 : {$2300.00} XX/XX/XXXX payment made on XX/XX/XXXX was applied to principle only. 
- No notification was provided to me that this occurred. 

Example 3 : {$2300.00} XX/XX/XXXX payment made XX/XX/XXXX was applied to principle only. 
- No notification was provided to me that this occurred. 

I was notified that UWM was transferring ( selling ) my loan to a new company. I found all of these stated errors during my review of the account in mid XXXX when ensuring my escrow and other balances where in order. 

I immediately notified UWM of the errors in an attempt to correct my account prior to the XX/XX/XXXX transfer date. UWM agreed they had made errors and reversed the escrow payment back to escrow and reversed the XXXX payment from principal to a monthly payment and removed the late fees. 

The errors continued though ... the XXXX payment that had been applied to principle was reversed but applied to principle again a second time. UWM 's lack of response time resulted in transferring of the loan to my new mortgage company with escrow and payment errors. Although I am making progress with the new mortgage company to correct UWM and XXXX errors, I have been reported to the credit bureaus by UWM/XXXX as being delinquent XXXX days for my XXXX payment. This has dropped my XXXX credit score to XXXX. This is after UWM assured me that they were in error and nothing would be reported. 

I have disputed the report with all three credit bureaus, called UWM, emailed UWM, used back channels through mortgage brokers over the past two weeks but have gotten zero results and still have a XXXX credit score and need to make a major purchase.

UWM and XXXX have made major errors that have impacted my credit and resulted in me spending over 50 hours attempting to minimize the damage. As a customer, I would expect a mortgage or servicing company to at least be able to perform the basic function of applying my payments correctly. If they can not do that and don't have the understanding to make corrections they should find work that is not as important as mortgages. 

What should be considered is legislation that would require mortgage companies to compensate customers for the time spent in correcting errors made on the mortgage company 's behalf. I would bet they would improve their processes and certainly their response time knowing these errors would impact the bottom line. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
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:
XX/XX/19 XXXX XXXX ran my credit 9 times without my consent. I gave them some information in order to get a rough estimate of what a monthly payment would be. I specifically requested that they not run my credit. However, they ran it 9 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Truist Bank has implemented a new online banking system following the merger with Suntrust and BB & T which is far less customer service driven and is very inefficient and cumbersome to use. I have attempted to resolove this issue with the online Chat feature through Truist on 2 occassions, both attempts with open chat for well over an hour with ZERO updates or response. Additionally, I called the 800 Customer Service number and sometime after the 45 minute hold time, the line went dead. 
the changee I need to get a copy of a check that was cleared on XX/XX/21 but the " new '' Truist system will not show images of checks after 60 days. The 'old ' Suntrust online app would let you go back more than 12 months. 
From what I have been able to gather with XXXX searches and online complaints, the only way to get the check is to make a request, pay {$5.00} and wait XXXX days for it to be mailed to you. 
Since banks no longer return processed checks for record keeping and filing as in the past, they have always allowed you to access your account and print checks you need for more than 12 months. I am able to do with with my Regions, XXXX XXXX and XXXX. 
In fact, XXXX includes a page of your check images for the statement period. 

My issue with TRUIST is that they have deminished the customer online access and functionality so that they can generate more funds with ridiculous charges for services and that they have EXCESSIVE ( more than an hour ) wait times to recieve a response through chat or the customer service phone line.

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 2018-02-08
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XX/XX/2018  XXXX XXXX (CHASE customer service person on the phone help line)  advises my interest rate is increasing 150% - and although I tried to "opt out" of the increase, I was advised that the period to opt out has expired.  I received NO prior notice of an increase and CHASE said I couldn't opt out.In retaliation - I have cancelled my CHASE FREEDOM credit card and expect to pay off the card as oer the original terms of our agreement - despite CHASE advising they are increasing my interest rate 150%.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to XXXX XXXX over 10 times regarding a previous account that I had with them. I had a XXXX XXXX with them that I aquired in 2010. I paid the vehicle off. After I paid the vehicle off a few months later I applied for credit with them again and was told that I had a past due balance of around {$120.00}. I wasn't sure what that balance was for but I promptly paid it. Now when I review my credit score I see that XXXX XXXX was reporting that account as a collection account. My account was never in collections and they never tried to contact me regarding a balance. They ripped me off and now they are ruining my credit. I will not stop until XXXX XXXX updates my report to reflect my account paid as agreed.

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 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted my request to remove information on my credit report due to identity theft, but your company stated that such information doesn't appear in my credit. 
However it is still there, a copy of your response and a copy of my credit report is attached to this complaint. 
Please remove these items from my credit report intermediately.

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 2021-08-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
i have on my credit report old public record Bankruptcy : Discharged XXXX Filing Date XX/XX/2011 XX/XX/2011 Amount {$0.00} Reference Number XXXX XXXX

Company response to consumer: Closed with explanation