BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have received a call from XXXX group in attempt to collect a debt on XX/XX/2017. During this call I requested that they send me a hard copy letter with more details so that I would feel more comfortable giving my banking information over the phone.They said they would do so, as well as sending an email. I did receive an email, however it seemed fishy because the senders email address was a different name than the name that was signed at the bottom of the letter. Since they agreed to send a copy through classic postal services, I decided to wait until I received the hard copy to ensure it was not a scam. I haven't received anything in the mail to this day, so I assumed that it was not a legitimate call as they didn't provide proof of debt in paper, so I proceeded to ignore any calls from that number until I could receive verification. Now my relatives are calling me, saying that somebody is looking for me and that there are charges against me. My aunt even stated that after she spoke with whoever was calling her about me that he said " She can consider herself served ''. I'm not sure how to take that but I do feel threatened. Today I sent a certified letter to XXXX XXXX, with my updated phone number asking them to send me something in paper so I can go ahead and make arrangements to clear the debt. I have also called three different numbers that seem to be linked to this group, and the line doesn't even ring. I will attach the letter, I sent along with receipts to this record. I will also attach the email the " XXXX representative '' sent me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Williams & Fudge, Inc
State: GA
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:
William and Fudge is a collection agency that works for XXXX XXXX. I agreed to a payment plan with the Williams and Fudge collection agency to prevent any negative remarks from being reported to Credit Bureaus. The Williams and Fudge collection agency received my payment and then reneged on our agreement. I spoke to several rude and incompetent supervisors that work for this collection agency. XXXX XXXX was the main supervisor that was extremely unprofessional and rude. XXXX XXXX is the supervisor that reported the negative remarks on my credit report. I contacted XXXX XXXX directly and resolved this matter by paying the {$670.00} in full. The XXXXXXXX tech business office assured me that everything would be taking care of and the negative remark on my credit would be removed from my credit report. I received an email from the XXXX XXXX business office stating that the William and Fudge collection agency informed them that the removing of the negative items on my credit report would take 2-3 months to remove. Unacceptable!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX   XXXX   XXXX    thr ough its servicer Nationstar Mortgage is continuing to collect a debt that is not owed on a mortgage that the  State Court ha s ruled is not enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair credit reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Santander Consumer USA Holdings Inc.
State: ND
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:
Gateway One Lending is reporting an erroneous account on my credit reports that has been challenged to XXXX  and XXXX. Both have claimed that the accounts have been verified even though the creditor has ceased to exist and has not provided the validation necessary to leave the account on my credit reports. 

GATEWAY ONE LENDING & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
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 status incorrect

Complaint:
I submitted a complaint on XX/XX/XXXX, through the CFPB Complaint Portal. Equifax responded indicating that it has already addressed my concerns through a Reinvestigation. Here is a direct quote from Equifax 's response : " Results of Our Reinvestigation are : Our records show that you recently contacted Equifax on XX/XX/XXXX via case XXXX regarding the items listed in the complaint. Reinvestigation results were sent to you on XX/XX/XXXX. The information you disputed has been updated as well as other information on this item. XXXX XXXX Account # XXXX The results are : This account has been updated. Additional information has been provided from the original source regarding this item. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS *DATE OF LAST PAYMENT *ACTIVITY DESIGNATOR *ADDITIONAL INFORMATION. '' THIS RESPONSE IS ENTIRELY FALSE. ALL OF THE ABOVE FIELDS WHICH THE COMPANY CLAIMS TO HAVE UPDATED CONTINUE TO BE INCORRECT. MY COMPLAINT SUBMITTED THROUGH THE XXXX COMPLAINT PORTAL IS BASED ON THE REINVESTIGATION RESULTS. THIS CLEARLY SHOWS THAT EQUIFAX DOES NOT PROPERLY LOOK INTO CONSUMERS ' CASE/COMPLAINTS AND INSTEAD TRIES TO PUT THE BURDEN ON THE CREDIT COMPANY/LENDER. I submitted a copy of the Equifax report DIRECTLY FROM THE EQUIFAX WEBSITE ON XX/XX/XXXX, THE REPORT OF WHICH IS DATED AS OF XX/XX/XXXX. If Equifax has properly reviewed that copy ( reattached here ) it would have noticed that my compliant is BASED ON THE REPORT THAT ALREADY REFLECTS THE REINVESTIGATION RESULTS. 

EQUIFAX CONTINUES TO REPORT MY ACCOUNT AS BEING LATE, EVEN WHEN : 1 ) The mortgage provider committed administrative error and violated the Periodic Statement Rule under 12 CFR 1026.41. 2. No one sent me any billing statements or late payment notices.

2 ) The mortgage provider violated the Periodic Statement Rule under 12 CFR 1026.41, the requirement of delinquency information under 1026.41 ( d ) ( 8 ).

3 ) I never received a notice from the mortgage provider stating that it will report negative information to the credit bureaus. This violates FCRA 623 ( a ) ( 7 ) requiring notices to consumers of negative information being reported to credit bureaus.

4 ) Furthermore, Equifax reports the account as being " NR '' ( NOT REPORTED ) in the payment history EVEN WHEN THE ACCOUNT WAS ALREADY TRANSFERRED IN XX/XX/XXXX. THE PROPER PAYMENT HISTORY SHOULD BE BLANK SINCE IT HAS ALREADY BEEN TRANSFERRED BUT IT KEEPS ON REPORTING IT AS " NR ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 30 days ago to this bureau or these bureaus and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2018-04-05
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
When I purchased my home XX/XX/XXXX, after settlement I was informed the home had 2 HOA 's instead of the one we agreed to in settlement. Thereafter it was always a struggle to pay both. In XX/XX/XXXX I lost my job, I was still paying the mortgage using my retirement savings. I reached out to Ocuwen, my loan servicer since my mortgage company went bankrupt, for help. They told me there was no way they could help unless I stopped paying the mortgage. Since in XX/XX/XXXX, I was almost out of retirement funds, I followed their advice. I went through the process of filing a modification to the loan three times. On the third time, in XX/XX/XXXX, I decided to list the home for sale since I wasn't sure what the outcome would be and it was schedule for auction XX/XX/XXXX. My realtor found a buyer for $ XXXX, I owed $ XXXX. The buyer was scheduled to settled XX/XX/XXXX. Ocuwen refused to accept the buyer and put the foreclosure on hold. The home went through the auction, I never heard anything else from Ocuwen. In XX/XX/XXXX I received a XXXX for $ XXXX debt write off. What are my writes because I do not feel like any of this was handled properly. I feel like Ocuwen set me up to take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 ; XXXX and Transunion are reporting incorrectly a current balance of {$16000.00} on the XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle broke down and was covered under the factory/dealership warranty. The dealership would not honor the warranty and consequently would not fix the vehicle. I returned the vehicle back to the dealership. I was told that there was no outstanding balance due. I was not aware there was a negative item reporting until I obtained my most recent copy of my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-03-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
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:
My husband and I purchased a XXXX XXXX XXXX in a private party transaction in XX/XX/XXXX. The seller 's vehicle loan was with RBS Citizens. First of all, it took over a week for RBS to get our bank a payoff amount ( a process I understand normally takes one business day ). After finally receiving an amount, our bank, XXXX XXXX of XXXX XXXX, WI sent a check for the payoff amount of {$7300.00} to RBS Citizens on XX/XX/XXXX. The check cleared the bank on XX/XX/XXXX. As of XX/XX/XXXX, the title has still not been sent to XXXX XXXX after multiple requests from our loan officer and the previous owner. Each time one of them has made contact with RBS, which has been very difficult to do, they have been assured that the title is on its way. RBS won't speak to us since we never had a loan or account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: ND
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 XXXX XXXX is reporting an erroneous account on my credit reports that has been challenged to XXXX  and Experian. Both have claimed that the accounts have been verified even though the creditor has ceased to exist and has not provided the validation necessary to leave the account on my credit reports. 

XXXX 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 2020-05-26
Company: U.S. BANCORP
State: AA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I was accepted by the State Department to work as a XXXX XXXX in their foreign service. In XXXX, I was posted to XXXX XXXX, XXXX XXXX, so I had my mail forwarded to my diplomatic address. Within a month or so, I receive a letter from US Bank mortgage company basically saying that if I was living outside of my house I was out of compliance with my loan. I called to try and find out what it was all about, but the number that they give in the letter is the general customer service number, and the only clarity that the person was able to give was that it " may '' have to do with the fact that my loan is an FHA loan. I was informed that the address I needed to send my responses to was the address of the department that handles FHA loans. They had no phone number or email address to give me to facilitate communication. 

So I responded with a letter explaining my situation and asking to see if there was some kind of exception or exclusion, since I'm sure military personal serving overseas don't lose their homes because they are in the service, I figured there had to be something for me too. I sent the letter and proof of my current employment with the XXXX. 

In XXXX, I got a letter dated from XXXX that said I would get a temporary extension for a year, but I needed to respond in 30 days with a copy of a non-occupancy insurance coverage and a sale or rental agreement for the property. I received the letter basically a day or two before the deadline, due to how COVID-19 has affected international flights and mail service. I kind of freaked out since my only way to respond would likely take another 30 days. According to the USPS tracker, it still has not arrived ; its been a couple weeks. So I called the customer service number again, hoping for help. 

But they weren't able to give me any. The customer service guy, very friendly and genuinely sounding concerned, had to inform me that he had no way to contact them himself, so he couldn't even call that department to ask for help or guidance. Especially since, by that time, I realized that the FHA stipulations on residing in my house had long been met, since I bought the house in XXXX and have lived in it continuously and exclusively, until XXXX of XXXX. 

I guess what my complaint has to do with is that this very important part of the bank, that is basically threatening me with having broken my mortgage contract has NO WAY to communicate with me in a way that didn't exist in the last Century! Imagine? The ONLY way to deal with these people is through a letter. A LETTER?! Not even an email with a scanned document or a FAX! 
I feel like I'm in a Dickensian tragedy.

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 2020-11-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I purchased a XXXX refrigerator at Lowes XXXX XXXX XX/XX/XXXX on XX/XX/XXXX opened a new credit account for a 5 % discount {$1000.00} I received a bill & in all good faith pre-scheduled a bank to bank electronic payment to Lowes/Synchrony Bank for XX/XX/XXXX which was sent. I did NOT receive the card yet. 
XX/XX/XXXX Lowes could not obtain or deliver the XXXX refrigerator, canceled my purchase & credited the account. 
I immediately advised Synchrony Bank on XX/XX/XXXX that Lowes canceled my only purchase from XX/XX/XXXX & I that I did NOT receive the card. They advised the card was mailed & authorized? with purchases on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX in 2 Lowes Stores in towns out of my area? I requested a Fraud Investigation to be opened On XX/XX/XXXX I requested return of my {$1000.00} electronic payment due to Lowes canceled my XX/XX/XXXX refrigerator purchase. 
Since XX/XX/XXXX to present Synchrony Bank after numerous requests, has NOT & refuses provided me any proof I received or authorized their card for use other than 1 one purchase when Lowes opened the account. 
Synchrony Bank continues to block all my refund requests of {$1000.00} even with numerous documents including a Police Report filed on XX/XX/XXXX & sent to Lowes/SynchronyBank. At this time I believe that Lowes/Synchrony Bank employees are hiding something & /or acting in bad faith? 
On one call they told me " the system '' shows the purchase was authorized on a cell phone phone, YET I sent my XXXX cell phone records & I MADE NO CALLS until XX/XX/XXXX the date I called Lowes/Synchrony Bank? When I called their phone system, it gave me balance & account information from an OLD closed account I had from a prior refrigerator purchase made years ago???? 
Lowes/Synchrony Bank continues to avoid giving me any proof yet they defame me with form letters stating I authorized, participated or benefited from these 3 fraudulent charges WITHOUT given me any proof, yet they keep opening new Fraud claims? 
Lowes/Synchrony Bank repeatedly transfer me from one service team to another, claim that I am not responsible for fraudulent transactions YET the send my form letters and they REFUSE to show me any proof of their false defamatory claim that I made these unauthorized charges? Lowes/Synchrony Bank mailed a credit card that was stolen in the mail and Lowes/Synchrony Bank is TAKING ADVANTAGE OF ME. A senior and a long time Synchrony Bank card holder with multiple Stores. NOT ANY MORE!!!!

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 2018-08-01
Company: EQUIFAX, INC.
State: GA
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:
There is information on my credit reports which are older than 7 years which should be removed according to the FCRA. 

XXXX XXXX- {$450.00} XXXX XXXX- {$580.00} XXXX XXXX- {$870.00} All these accounts are over 7 years old from date of last activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Integrity Funding Ohio, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Obtained loan on XX/XX/2018 in the amount of {$580.00} for a title loan to assist with emergency expenses. I have been paying monthly {$170.00} per month. 
Not properly disclosed by the lender, my interest rate is 382 % I have paid the a total of approximately {$740.00} of a {$580.00} loan and still have a balance of {$860.00}. 

My understanding is that it was at 10 % rate however, it appears to be a 382 % loan. 
Is this a predatory lending practice and is it legal for a company to charge these types of fees without making sure the customer understands this contract. It indicates on paperwork that you can obtain a refund for finance charges if you pay the loan off early ; however, in my attempts to do that I was told that my payments would be applied to the interest amount first therefore, contradicting the wording that says that the borrower would be entitled to a refund if principle is paid off early. 

It also indicates that the Lender is XXXX XXXXXXXX XXXX XXXX but then it indicates that my pre-paid finance charge would be paid to XXXX XXXX XXXX XXXX XXXX dba XXXX XXXXXXXX XXXX for this loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke to XXXX XXXX and settled the debt with them. They were supposed to contact Hunter Warfield. However after months of emails am still receiving collection calls and this debt was supposed to be removed per my email with XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX  I received an email saying that I was approved and will attain a product change to the Chase Unlimited card. This was done without my knowledge since the product change was never confirmed with me as the purchaser of a Freedom card. 
After receiving the email, I called Chase at XXXX and spoke with XXXX XXXX. He told me there was no " Opt Out '' and no " Opt Back In '' for the product I originally purchased and approved for from Chase. I was told that these changes were done in batches. However, I was never notified what batch I was in and no proactive measures were taken with to see how this change would affect my finances. This is my oldest credit account and will severely affect my credit history given the product change. I expressed during my phone call that I did not apply for the Unlimited card and I have no interest in changing my product. 
This is not an upgrade as the email I attached states, this is a downgrade. The false narrative that I am a better product is scary due to the lack of data and information to back up the claim of an " upgrade. ''

Company response to consumer: Closed with explanation