BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-13
Company: Experian Information Solutions Inc.
State: SC
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:
With failure to regulate credit reporting agencies, or their ability to continually lie, misinform, and fail to investigate factual issues, instead just consider their own financial well being without serving the consumer. In order to join the pending class action against Experian, or not join I sent Experian a copy of all my identifications, social security verification, and address verifications, and they still refuse to investigate information. In their response they list my actual name, but embedded within their report is a name that is not legally my identification, which is the method they use to continue reporting inaccurate information. Additionally, In a previous disputes which has caused me economic harm, they have listed two public records bankuptcies, which I disputed, they responded with they verified the information with a third party and it remains, I contacted the third party vendor concerning the entries, and received a letter which i provided to Experian, which was ignored, and a response that they wouldn't reinvestigate information that they have previously investigated, given the fact that I proved that their information was inaccurate, they continue to fail to perform their statutory duties under the regulations.. Most recently on XX/XX/18 i received a letter stating that they refused to reinvestigate a entry on my credit report, XXXX, indicating that they had previously investigated it. In that request, i provided proof of my name, address, social security number to Experian, and they still refused to reinvestigate, considering the fact that they entry is verified with inaccurate information on their part, but in their statue violation performance when information doesn't verify, Experian will just add the name of the wrong person, to justify their entry. In this XXXX entry, experian previously deleted an account reported as XXXX XXXX XXXX XXXX, which is the same company as XXXX, but refuse to delete this unverifable entry. 
It is my belief that Experian will ignore their responsibility to factually report accurate information to the CFPB, which again will give me leave to join the pending class action against them for the same performance.

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 2023-06-09
Company: OneMain Finance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
In XXXX of XXXX  One main financial on XXXX XXXX XXXX South Carolina called me about a refinance for car loan it was a predatory call and they charged me {$600.00} plus interest on fees that were not explained and not understood they might have said that the information was signed however I do not recall being have those fees explained and they were fees that should not have been passed on to me when I asked to have the fees removed or dropped within the appropriate amount of time they refuse to do so they are now charging me interest on those fees that I did not agree to they also filled out the application for me on a computer due to my injury I can not work with computers I have medical information to back that up nor did they give me a paper application to fill out nor did they give me a paper application upon leaving I did not fill out the application I did not agree to the XXXX plus dollars and fees and interest!.. I did try to work with one main however they refuse to assist me and saying they can never discuss my account with me again at that location in addition the home office refuses to work with me as well they'll send me letters stating that they'll be happy to work with me but then when I try to work with them they refuse to speak to me about my account because I have reached out to government agencies to assist me in getting a resolution. They say that arbitration agreement is in the contract however when I try to ask them at the location about the arbitration agreement in the past before they banned me from getting assistance for no reason they refuse to give me the proper steps for the arbitration they tried to deter me from what was in the contract so a my issue is fees that I was not aware of be I tried to remove the fees and see I was denied any type of resolution in was encouraged not to call ever again. The resolution that I'm looking for is to have those fees removed from my contract and to be compensated for being charged that amount in the first place I also want the contract to be void because it was set up under predatory pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is great after complaining about there credit card billing they retaliated against did search on my accounts then said some were wrong they said I was getting free stuff earlier they moved my savings to checking said I had to then started charging me {$12.00} a month on wifes account I just killed the account could not afford the {$12.00} per month and all there stupid rules this was strictly vengeance for me questioning there billing practice on charge cards its amazing how they treat customers with fees when there borrowing my tax dollars at next to nothing charges

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage with Ocwen and filed a chapter XXXX bankruptcy in 2012 and it was discharged. However, Ocwen is still reporting the account negatively after the bankruptcy and it is affecting my credit negatively which is against the bankruptcy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: WELLS FARGO & COMPANY
State: MD
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 recently check my credit and seen that I had inquires that I didn't not recognize from multiple companies who pull my credit without permission.

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 2016-06-06
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to financial constraints, and holding on to my property post the height of the economy ; I opted to try to sell my home to get out from under it. I purchased my home in 2006, the value of the home is barely what I purchased it for. I purchased it for {$270000.00}, appraisal is for {$280000.00} with all the upgrades in the last 10 years. I had a buyer with an offer of {$270000.00}. The offer was accepted by the first mortgage and denied by the second mortgage, therefore forcing me into forclosure and ultimately bankruptcy. The load was a fannie mae dictating how much money would go to the second mortgage. The system is broken. I thought things were better to support this type of situation. How can a bank deny the sale. How can a bank deny the sale based on " principle '' as they said to me. They would rather have nothing than the amount offered to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently acquired a Loan History Transaction breakdown from INDYMAC FEDERAL BANK HOMELAND SERVICING Pg XXXX ( XXXX ) and Noticed a Discrepancy on XXXX XXXX ( Pg XXXX ) were it changed to IndyMac Mtg Svcs /a division of Onewest Bank I noticed the principal did not change for the Year and escrow was not the same. 
Also Ck # XXXX was a Full Settlement Check I never received copies of. 
Violating TILA and RESPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CONN APPLIANCES INC XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to my local Chase Bank branch and as always was directed toward their Indoor ATM/Teller machine. I first had to pull out cash from my IRS stimulus debit cards so I could transfer the funds to my checking account. The machine had trouble with this and only allowed me to removed a portion of my available funds that equated to roughly {$1600.00}. I then needed to deposit my businesses checks to my business checking account in addition to the cash I had just withdrew along with a few other personal checks. In total, the deposit was roughly {$25000.00} give it take a few XXXX dollars. After inserting the cash and then the checks, the machine began to process the items. Then out of no where it spit my money back out to me. I was shocked and very confused. So I took my cash out of the tray for fear that it would get stuck. Then the screen started to show a load symbol, then made a bunch of noises like it was processing my checks, and suddenly and error message popped up with instructions to call a 1-800 number. I grabbed a teller and they were very perplexed by this instance and instructed me to call. I called and spent nearly 30+ minutes on the phone with a customer service rep who had no idea what to do. He said they would send a team of researchers to investigate the situation in 10 days, and if there was no remedy, they would loan me the {$25000.00} until it was settled. The branch staff had said that this has happened before but never with this much money. So they just told me to deal with the customer service people over the phone. Ultimately, no action has been taken by chase or the branch staff to fix the machine and they then continued to allow other customers to use the machine and even directed them to use the exact ATM that had just taken all of my money without depositing it. I have people and bills to pay and checks that have been written, yet the branch staff nor the customer service reps seemed like they had any care to fix the situation. Please help me track down my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX I opened a XXXXXXXX XXXX XXXX And XXXX i defaulted on that credit card. The three major credit bureaus conveniently do not show any historical data from XXXX or XXXX. This account should have been removed from my credit report already. I have repeatedly asked for that information and no investigation has happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I spoke with XXXX on XX/XX/XXXX about information on my credit report in regards to inquiries. There were some that I did not authorize. XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I asked them to please delete the inquiries and they told me I need to file a complaint here in order to get them deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a transaction made in XXXX, XXXX for {$75.00} at a XXXX. They've supplied me with very little information about the transaction. No date, and no time in my request for documentation. They haven't told me how the card was authorized. All they have said is because I got paid the day that the transaction was made, it had to be me. However, they've given no explanation for how I was able to make XXXX transactions in the XXXX XXXX area within XXXX hours of a transaction in XXXX. Over XXXX hours away. The transaction is clearly fraudulent but instead of investigating they've chosen to do nothing, and instead of supplying me with information to report to the police they've offered no information about the transaction. This is a clear violation of Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ally home loans bait and switched my mortgage application. 

When I applied for pre-approval the loan officer 'locked me in ' at 3.99 % for my mortgage. 

After I paid the {$550.00} appraisal, and was weeks into the contract with the buyer, they discover that I don't qualify for the Jumbo loan due to credit depth, and switched my rate to a new loan at 4.375 %. They had accurate information before at the time I applied for the pre-approval, but waited until I was desperate to close to switch the rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act Capitol One Account # : XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a a payment on a credit card account under an open end consumer credit plan as a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX account  # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-02-01
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
After requesting to increase my student loan monthly payment several times, Navient did not follow through. I have been trying to pay off my loans faster since there is no pre payment penalty I called Navient multiple times and requested them to increase my monthly payment amount. Every time I have called they said they will implement it by 1 or 2 cycles but is yet to do it and it has been over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other

Complaint:
Since the last few months I 've been unable to resolve with BOA regarding late payments on my credit report. They have been unwilling to resolve this issue in spite of this issue occurring due to BOA fault, for which I have provided them all the documentation they requested to ensure its removal. 

I obtained a secured card with BOA in XX/XX/XXXX with an {$800.00} deposit to build my credit. By XX/XX/XXXX, I had established good enough credit to secure auto vehicles and a XXXX mortgage. Hence at the time I decided to close this secured card, as I no longer needed it to build my credit. 
On XX/XX/XXXX, I sent an employee with my BOA card to XXXX XXXX to make a small purchase for me. the next day I spoke to a rep at Bank of America to get the payoff, so that I could payoff and close the account. I was told that I owed {$25.00}. Hence, I rendered a payment for {$25.00} to BOA and thought the account to be closed and inactive. 

However XX/XX/XXXX, when I walked into my Bank of America branch to speak with my personal banker, I was told that the credit card account was still open and delinquent and had also incurred an annual fee for XX/XX/XXXX I would find that the last charge made on XX/XX/XXXX did not post to the account until XX/XX/XXXX hence I was given an incorrect payoff from bank of America on XX/XX/XXXX, that did not include the transaction from XXXX XXXX. The account was then closed and I recall being issued a refund for the secured card deposits. 

Between XX/XX/XXXX and XX/XX/XXXX, I did n't get any calls from BOA alerting me of the late payments either, and even while I continued to visit my local branch for other BOA account services I was not told about this. Additionally, I was saving all mail correspondence from BOA without opening them thinking they were my bank statements. I noticed there was one small payment of {$15.00} made XX/XX/XXXX, I suspect my dad made this payment after receiving a notice in the mail, I had entrusted him with paying my bills while I was away in XXXX at the time.

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 2015-03-25
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have requested that Ocwen ( Mortgage Company ) stop calling me at my Job. I gave them my cell and home phone number but they continue to call my job. I work at a help desk with XXXX other individuals and all have answered the phone and knows who they are. My boss has answered the phone in the past and also asked them not to call the work number again. Every morning I still get two ( 2 ) phone calls. I do not mind them calling mine or my wife 's cell or my home phone but they really need to stop calling my job. Is there anything that can be done to stop them from calling my work place?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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:
My information was included in a data breach and I now have a lot of unauthorized inquiries and fraudulent accounts I have asked the credit reporting agencies to remove all items and still nothing is being done

Company response to consumer: Closed with non-monetary relief