BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
Company: Atlanticus Services Corporation
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for a Fortiva credit card back in XXXX. I received a credit line of {$3000.00} and charged XXXX for a purchase. I then went in and set up auto pay. Every time they try to debit my account, they reverse it the same day, according to their website. Then I start getting phone calls from collections. The first time this happened I thought it was a fluke thing so I paid {$60.00} directly from my checking account. This is the same account I used for auto pay and I have over {$5000.00} in my savings. I did have money in my checking but if they were to tell me that is why it was reversed, I have my account set up to debit my savings. If you need proof of this I can provide it. 

This happened again when my XXXX payment were to come out. I get a text message they they are debiting my account per my auto pay instructions. Then at some point, on their site it says the same day, it gets reversed. When I called they said it wasn't the same day it was several days later. Regardless I don't know why this is happening. And I do not receive a text or email that the payment had failed either. 

I called them on XX/XX/20 at XXXX. It sent me straight to collections. When they answered they could not look at any details on my account until I paid my {$60.00} in full. I told them as a consumer I want to know what is going on with my account because this is starting to feel like a scam. They refused to give me any information. I asked for customer service. They said I was unable to reach customer service since my account was overdue. So they could provide me with zero information until they were to get a payment. I'm happy to pay my bill, my credit is good and I don't have any past due payments. But as a consumer, I demanded more information before I made a payment. She refused and would not give me a supervisor either. She said she had to submit a request for me to get to a supervisor. 

My complaint is that they are not able to provide me information with why this is happening but expect me to keep making payments. Will they start charging fees? I'm still having to pay interest on the amount. Will this be reported and will my credit go down? I don't know but I will certainly close my account when it is paid. This seems like fraudulent activity to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
the Credit Reporting Agency, reported damaging information on my credit report and that my rights have been abrogated. I would like to see evidence that this information belongs on my report and In the event that no record exists, please delete this damaging information. 
Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning : Upon conclusion of Mediation, it was agreed to have Servicer PHH ( sister you OCWEN ) begin a Loan Modification. After successful completion of 3 Trial payments on XXXX XXXX, PHH introduced a proposal for a Permanent Loan Modification on XX/XX/2020. Counsel for the lender AND Servicer prohibited my communication entirely to the Servicer-PHH. Total disadvantage. That which has resulted in delays of responses to my inquires regarding my mortgage and Loan Modification. The loan docs indicated expiration of XX/XX/XXXX ( Saturday ) to decide acceptance or declination. Less than the standard time allocated to accept of decline Modification. I requested an extension of time since 13 business days was not smoke time to understand the Loan Modification & explore all available options. An interest only Loan is very unfavorable especially in todays economy. Counterproductive to obtaining a Loan Modification. 
The extension was granted to XX/XX/XXXX. 
The Modification is adding new debt of $ XXXX in an interest bearing Balloon payment that is over and beyond the alleged total amount of arrears payments claiming owed. The alleged delinquency is supported by Servicer s recent PayOff Quote.. The Principal and Interest and Balloon payment exceeds total claimed debt., Effective XX/XX/XXXX, the CARES ACT includes Federally Related Loans in addition to Federally Backed Loans according to the Federal Reserves website. Federally Related loans which are different and much broader See Regulation X, 12CFR {$1000.00} ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: CA
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:
There has been a delinquent XXXX Account on my credit reports for many years. 

I am told that on XX/XX/2015 someone opened a XXXX account using my social security number and a variation on my name -- XXXX XXXX. 
When I dispute this item with the Credit Reporting Agencies their investigations come back with the same answer each time, that it is my debt. 

When I call the reporting agencies they say they can not discuss the debt with me because it is not in my name. I called XXXX XXXX XXXX  ( XXXX ) the agency currently listed as owning the debt and they referred me to another agency, XXXX ( XXXX ). The representatives at XXXX repeatedly hung up on me saying they could not discuss the delinquent account because it is not in my name. 

This is adversely affecting my credit score and my ability to open new accounts without having to put down a hefty deposit. 

I have never used the name XXXX XXXX. No one in my family has a last name of XXXX and have never used XXXX has a cellular provider. What do I need to do to have this removed from my Credit Reports.

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 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Dear Transunion, XXXX XX/XX/2020, I sent a CERTIFIED letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

The following negative account is listed below : XXXX XXXX  # XXXX {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Genesis Credit Management, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Genesis Credit Management originally contacted me in XX/XX/XXXX. I disputed the charges and requested that they validate the debt on XX/XX/XXXX. I informed them on XX/XX/XXXX that I do not owe the debt they are attempting to collect, to cease contacting me, and take no further action ( attached ). Despite this though, they continue to contact me and reported the unvalidated debt to the credit reporting agencies. I submitted a complaint to the CFPB regarding further calls on XX/XX/XXXX, to which they never responded ( attached ). Subsequent to that they attempted to contact me again on XX/XX/XXXX and again on XX/XX/XXXX ( attached ). I have also submitted a complaint with the WA State Attorney General 's Office regarding the continued harassment about a debt I do not owe. I request that the CFPB compel Genesis Credit Management to cease communications and abide by the applicable consumer financial protection laws, which they continue to violate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have called the company several times I even sent out a demand letter so my car loan can be forgiven they reply back with a cease and desist letter which thats not what I ask for my car note is extremely high and so is my interest rate I pay every month but the balance Im stressed out majority of my check goes to my car note I need help tremendously ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi there, I was one of the ~150 million affected by the XXXX breach. This was my experience trying to clean up the mess for myself. 

1. I was not personally informed that I was affected by the breach, despite the urgency and danger of the situation. 
2. XXXX XXXX language is vague and misleading. Something along the lines of " you may have been affected by the breach ''. They need to own up to it and say yes, go protect yourself, or no, you 're fine. 
3. When trying to fix the problem at both XXXX and TransUnion, their credit monitoring product is pushed. The bureaus are making money off of this breach because people are ( rightfully ) scared 3. I tried to place a credit freeze at all three agencies online. At the end of the process every single one said " we are unable to process this request '', or something similar. 
5. I have a {$10.00} charge from XXXX on my bank account for the freeze despite the request not going through. 
6. I tried to do the freeze via the automated phone systems at all three bureaus with the same results. None of them went through, and XXXX XXXX line is truly awful. There are silences of 45 seconds between questions and confirmations, and the next step. 
7. I spent my morning gathering the documentation needed to mail in the freeze requests. I spent my lunch break going to the post office and spent {$40.00} on postage for certified mail, money order fees and the fees for XXXX and TransUnion to freeze my credit.

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 2021-07-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was on XXXX XXXX where I met a gentleman who sent me fraudulent checks via email to deposit into my account and send to the following accounts : XXXX, XXXX. The check has XXXX XXXX XXXX banking with XXXXXXXX XXXX and XXXX in XXXX XXXX New York, XXXX number on check is XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Re : Lowes Credit card XXXX ( Synchrony Bank ) Since XX/XX/XXXX, payments every month since then, including additional payments per month, have not been allocated as directed to the NON-promotional balances first, as in verbal instruction and online preferences. Credit is applied even to promotional balances not due for over 6 months. I make additional payments in order to not pay interest on regular balances, as interest would negate the card 5 % promotional savings. I have spoken each time to a rep to ensure credit is allocated correctly, incl. XXXX XX/XX/XXXX, XXXX & her supervisor, XX/XX/XXXX, and most recently XXXX XXXX, as well as others, but statements every month have to be re-adjusted to correctly allocate. This makes it very difficult to pre-plan expenditures and pay without interest. 
From Lowes site : " Any payment you make ( including the required minimum payment due and any additional amounts ) will be applied to the non-promotional balance before the deferred interest promotional balance. Please note, even with this setting, during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your account. '' Not adhering to this procedure on a routine basis, is unfair and dishonest in practice.

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: DCN Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A Cease and Desist and Validation request was sent via Certified Mail. The request was made withing 30 days. Vendor refused the letter and sent it back unopened.

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 2018-09-21
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: Information belongs to someone else

Complaint:
Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified.  Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in  question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Capitaol One XXXX card is not being reported for XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I am a Victim of Identity Theft. someone Use My Personal Information Without My Authorization. Plesae block and Removed these accounts From My Credit

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 2017-09-21
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: Account information incorrect

Complaint:
I placed a dispute with the Experian regarding an XXXX/XXXX XXXXXXXX showing as not paid in full. Experian refuses to update and validate this information. This account has been paid in full as of 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 non-monetary relief
Consumer complaint received 2021-07-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I wrote a check on XX/XX/21 XXXX  XXXX XXXX to XXXX XXXX and placed it in a US Mailbox. The check was mailed from XXXX XXXX, FL and addressed to the XXXX XXXX office in XXXX XXXX, NY. The check was altered and presented to a XXXX XXXX XXXX branch and was negotiated there. I immediately notified Chase, and they told me that it would take 30 days to get my money back. I placed numerous calls to Chase, and was informed that they contacted XXXX  XXXX XXXX on XX/XX/21 and they are still waiting for a response from that bank. Each time that I call Chase, I receive a different version of what may/will happen. Chase has told me now that it would take 60-90 days for them to finish the investigation, and today also informed me that I would probably not receive my money back. I am appalled at the lack of transparency, and concern from the beginning of this situation. I have received not one scintilla of communication from Chase after I immediately filed the attached paperwork with them. I am appalled at the fact that no one has reached out to me regarding this matter. Maybe I could be of further assistance, or maybe that would actually CARE that I am out {$10000.00}. I used a check which was provided by Chase, which did not have any warning that I would be responsible for any fraudulent activity, nor did Chase follow up with the last communication from XXXX  XXXX XXXX on XX/XX/21. I previously banked at XXXX XXXX, and was of victim of fraud there, and that is why I left to go to JP Morgan Chase, and was assured that the levels of security at Chase would be much better. Ironically, XXXX XXXX, refunded my money in 2 weeks time. On top of all of this, the customer service at JP Morgan Chase is abysmal, as I am on hold for an average of 20-30 minutes, and usually have to call back because the call is always disconnected. Since JP Morgan Chase has no interest in the fact that I have been without {$10000.00}, I have contacted XXXX XXXX, ( the initial payee of the check before it was changed ), who coincidentally is owned by XXXX  XXXX XXXX XXXX where the fraudulent check was cashed ), hoping that they could be of some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
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:
The bank apparently offered FREE ADD insurance. Somehow my name is attached to a policy which I know nothing about, nor do I believe in ADD insurance. {$50000.00} insurance was added to this policy and money is being removed from my account. This account is a special one and has not been touched in two years. {$16.00} was removed XX/XX/XXXX ... XX/XX/XXXX ... XX/XX/XXXX ...XX/XX/XXXX and XX/XX/XXXX for a total of {$82.00}. I spoke to the bank manager and nothing he can do about it ... he gave me the number to ADD and they will only return a small portion of what was stolen from my account ... I could fight for the remainder amount. They said I have to cancel this insurance ... HOW do you cancel something you NEVER AUTHORIZED to begin with. I want ALL my money returned into my account and interest returned. This is a pretty good scam they have going and senior citizens, like myself, have no rights or say in this. When does practice like this stop? I was told this originated in the branch office ... I have not been in that area for over 2 years due to my health and hospital stays which can be documented. This account has had no activity on it in 2 years ... .I guess it was easy prey.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my 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