BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-19
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: Information belongs to someone else

Complaint:
THERE'S AN ACCOUNT CALLED " XXXX XXXX '' HAS ME LISTED AS AN AUTHORIZED USER, HOWEVER THIS ACCOUNT DOES NOT BELONG TO ME AND I WOULD LIKE FOR IT TO BE REMOVED. ALSO THE ADDRESS XXXX XXXX XXXX XXXX, NY XXXX DOES NOT BELONG TO ME AS WELL. THIS IS AN ERROR ON MY CREDIT FILE THAT NEEDS TO BE REMOVED ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Shellpoint Partners, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was supposed to close in my loan this week. On XX/XX/22 I was told from underwriting that I could not close until I paid late fees from my primary mortgage. My loan has been in underwriting for several months and this is the first time that I was told the loan could not close for this reason. I was denied last month as my credit score was too low. I fixed my credit Score and they found another reason not To close my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: SLM CORPORATION
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My daughter tried talking to Sallie Mae the lender and was told informally that she would have to be past due for three months before they would help her. I am co-signed onto this loan and apparently they are now coming after me for payment. I have received several phone calls from them and the voicemail asks me to call them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have requested my consumer file from Early Warning Services on two occasions and have not received it. I provided the request along with a copy of my drivers license and a utility bill. XXXX is reporting inaccurate information from XXXX XXXX which I would like to dispute but need the Consumer file in order to correctly dispute the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
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 fraud alerts or security freezes

Complaint:
See uploaded attachments. TranUnion forces account set-up to obtain a credit freeze. The identifying account 'security ' questions may have been established 10 's of years ago to gain access, for example for me " what is your favorite car ''. Since I ca n't recall what was submitted the next steps involve contacting Transunion who did not answer the phone and next cut off the call, and gave me a new # to call trying to sell more products without fixing the problem.. 

Enormously frustrating and unnecessary. Do I really need to remember my favorite car from 15 years ago to put a credit freeze on my account on-line? 

XXXX now was easy, a few clicks of identifying information and the security freeze was in place with a confirmation #. 

Transunion appears to purposely under-support consumer efforts to set up a credit freeze, anything not aligned with them selling a preferred product. This needs to be better regulated, more accessible, a complete waste of my morning chasing this down, still without resolution.

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 2022-02-03
Company: SUNCOAST CREDIT UNION
State: FL
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:
SUNCOAST CREDIT UNION XXXX - reporting a past due balance to XXXX XXXX XXXX XXXX and XXXX XXXX This is against a violation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX sold an alleged debt on XX/XX/2021 to ERC in my name. Once I saw this on my consumer report I disputed it and asked for validation and they removed it on XX/XX/2021 because it doesn't belong to me. However, ERC knowing this alleged debt is unverified, then sold it to XXXX XXXX on XX/XX/2021 ( when it appeared on my consumer report ). This is a violation of my consumer rights to notification of alleged debts before being placed on consumer reports to allow for validation of the alleged debt, lack of privacy of my personal information, lack of consent to give out my personal information to XXXX parties ( identity theft ) and lack of reporting accurate information to credit bureaus. XXXX, XXXX and XXXX are all reposting this illegal, unverified and alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I traveled to XXXX in XXXX where I utilized my Chase Sapphire Preferred card to rent a car. I was unfortunate to be in an accident with another vehicle. I had to pay in cash at the moment of the accident to retrieve my passport and not get arrested. I contacted the cards benefits services ( XXXX  ) to get compensated for what I paid in regards of the car that was totaled. I have been providing all documentation that they requested even while the rental agency was not cooperative as I would wished for. After I provided all documentation and one examiner finalized my claim, they stated that it was not finalized and that they needed to investigate it more. They stated that the claim was given to the underwriters and it was out of their control. I have been going through financial hardships in regards to this claim taking so far about 4 months, and it resulted into selling my house to pay back the cash amount that I had to borrow for paying for the damages. They have been acting in bad faith since the beginning of the claim, they do not review documents, they keep telling me that since it is a high amount value claim it needs to go to the underwriters and that it will take another 30-60 days or more. I have tried to contact Chase but they keep transferring me to the same people again and again. The amount that I paid was approximately XXXX MAD to the rental company. They are literally the worst to deal with since they do not provide you with any help to even retrieve the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter stating a debt I owe that does not say from where and I dont know anything about me owing anyone this amount of money. How do I find out where this is coming from

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 2021-12-20
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional mortgage with NewRez mortgage and despite numerous calls and e-mails the company continues not to acknowledge I have overpaid on my escrow and refund overage The company has paid my XXXX tax bill reflecting amount that will need to escrowed for XXXX and tell me they never got my tax bill

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: TRANSCARD, LLC
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Earned a {$100.00} prepaid debit card from XXXX in XX/XX/XXXX after sitting through lengthy timeshare program. Used several times, then card stopped working on the machines/stores I tried using it on. Friend suggested I clean with alcohol, which I did. Used on XX/XX/XXXX, declined as " expired. '' Check account on XX/XX/XXXX and saw remaining funds of XXXX were removed on XX/XX/XXXX. Called costumer service # ( XXXX ) XXXX, and explained problem ; requested funds returned and extension and was informed that the funds are gone and there is nothing I can do. Spoke to XXXX, manager, who refused to give me last name or employee ID number. 
Having read on prepaid cards before, my understanding is that funds do not expire legally for 5 years. Additionally, it should be mentioned the printing on the card makes the expiry date impossible to read at a glance. I was surprised to find that after 6 months, my funds were removed, and considering my issues with the card, was dismayed that no consideration was given to extending funds earned. My husband and I both wasted hours of our precious family vacation time with the promise of {$100.00}. I feel the circumstances merit some sort of recognition and assistance to ensure people can use the funds they funds they are promised.

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 2018-01-05
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently had a loan modification done with Ocwen and I mailed Ocwen money orders on two occasions one in XX/XX/XXXX and again in XX/XX/XXXX in the amount of {$3800.00} as of today they refuse to post the payments to my account. When I spoke to Ocwen on XXXX XXXX 2018 the relationship manager told me that the might not be able to accept my XX/XX/XXXX payment because she is not sure if they are going to accept the {$3800.00} I have to wait on the loan modification team. Ocwen is very unprofessional in dealing with home owners mortgage and most of the time the reps all give you different answers to questions ask and also concerning your loan with them. This is very stressful for me not knowing what is going to happen with my home,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Wells Fargo signed me up for a credit card without my permission. I am wondering if I can get the credit card and all the things that affected my credit wiped off. And if I close the credit card, will it affect 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 monetary relief
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: FL
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:
Equifax, XXXX, and XXXX are violating my rights under the FRCA rights with a charge off. XXXX XXXX XXXX XXXX is reporting a past due on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The credit bureaus reached a settlement and announced, that tax liens, judgements and public records would be removed from the credit report, if the public records, did not contain certain basic identifying information : A person 's full name, address, social security number and date of birth. The requirement is that 3 of the 4 identifying information, points. Must be contained in the public record, to report it on the credit file as of XXXX 2017 ( these files, must be removed ). The minimum frequency of physical courthouse visits, to obtain newly recorded and updated public records, is ( at the very least ) every 90 days. The credit bureaus, has not physically, had a representative visit the courthouse ( s ) for public records filings and have used online services, such as XXXX for acquiring the information and has reported, this information provided, by a third party. Without any verification process, as required. And using a online service is not, within the physical visits, requirements, as set forth. 

I checked my public records and there are tax lien ( s ), listed on my credit report. 
which does n't meet the requirements to report on my credit file. There is no social security number, no date of birth, my full name is not disclosed, as well as a incorrect address. XXXX has removed the tax lien ( s ) from my credit report, as required. 
But, Equifax and XXXX, still have tax liens, listed on my credit report in violation of the new established agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with Capital One Account # XXXX I noticed on my report that this account has late pays in XX/XX/XXXX and XX/XX/XXXX. During that time I was impacted by Covid and was unable to make that payment and was unaware that any balance was due as soon as I was able to I got this account paid up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

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 2019-09-25
Company: DISCOVER BANK
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, I've had this loan for several years at a fixed monthly payment rate. Now approaching the final two payments, discover has decided to take it upon themselves to submit an " unauthorized '' balance payoff. This has caused other consequences with my credit union account in which the funds were withdrawn. I am appalled! My credit union suggested I contact discover and have them provide a statement declaring this was done in error in order for me not to be responsible for overdraft fees. In the meant-time a monthly payment was scheduled and authorized by me days prior. They were trying to double dip. I tried to resolve this with Discover but they refuse to be compliant. I've never experienced this in the past with discover nor my credit union. I strategically schedule payments in a timely manner at least 95 % of the time. I don't claim perfection, but when I approach the due date I sometimes pay directly on the discover website. This is how discover had access to my account information to retrieve those unauthorized funds from my account. I would appreciate if an investigation can be done. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is regarding my pal pa account ending in XXXX. I have been in the hospital since XXXX with XXXX and complications and just came home today!! Back in XXXX I think it was I finally got ahold of someone after HOURS OF GETTING THE RUN AROUND, and told them I had XXXX and they said they would put projections on my account and a payment would not be due for that month. Not long after that call, my condition got worse and I ended up on life support for about 4 weeks. I have not been able to call anyone to get help with my accounts. My husband then tried calling to tell Pay Pal what was happening. NO ONE WOULD TALK TO HIM BECAUSE HE IS NOT ON THE ACCOUNT!! As a result now my credit is ruined!!! I have {$100.00} 's in late fees and who knows what else!!! How is someone on life support supposed to get help if these creditors won't work with people!! 

My balance when this stared was around {$4000.00} wish. I now owe close to {$6000.00}!!! I have no job, just got out of the hospital, I can hardly provide for my kids and now to top is off, my husband passed away three days ago from XXXX. 

Paypal need to do something! They need to fix my credit ASAP! I can not pay for my husbands frugal because I can not get any sort of loan to pay for it! Then they need to waive ALL MY LATE FEES!! LASTLY, THEY NEED TO SETTLE THIS ACCOUNT AND MAKE IT A PAYMENT I CAME HOPEFULLY SOMETIME AFFORD WHEN I GET BACK ON MY FEET! 

THE CREDITORS SHOULD NOT BE ALLOWED TO DO THIS! WHEN YOU HAVE XXXX, YOU CAN NOT WORK, I ALMOST DIED, I HAVE NO SAVINGS NOW AND LOST MY HUSBAND. MY CREDIT IS RUNIED NOW! HOWAM I SUPPOSED TO RECOVER?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
Well Bank of America took my unemployment benefits off my card and left my balance in the negative ... I have Bill 's and I'm a single mom with XXXX kids and lost my job during the beginning of cod-vid 19.. my kids birthday and XXXX is coming .. I'm behind on my rent please help me fix this mess that Bank of America put me in

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Consumers should be able to freeze their credit for free on XXXX, Experian and XXXX. This is a vital service that should be free and available to everyone who has credit history in the US as these companies can not be trusted to store their data securely and protect their data against security breaches. No American should have to pay in order to help prevent their own identities from being stolen.

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 2017-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called capital one about limit sharing information at XXXX at : XXXX/XXXX/XXXX in XXXX and XXXX -- - NO ANSWER / NOTHING BUT A RECORDING! 
XXXX/XXXX/XXXX in XXXX -- - NO ANSWER / NOTHING BUT A RECORDING! 
XXXX/XXXX/XXXX in XXXX -- - NO ANSWER / NOTHING BUT A RECORDING! 

XXXX/XXXX/XXXX in XXXX -- - NO ANSWER / NOTHING BUT A RECORDING! 

Note : I waited over twenty minutes on my cell phone on the dates above. I contacted XXXX XXXX at XXXX i contacted XXXX XXXX XXXX at XXXX on XXXX/XXXX/XXXX. XXXX XXXX XXXX gave me contact number XXXX. I called this number and waited over twenty minutes again. - NOTHING BUT A RECORDING!!! 
PLEASE CALL ME!!

Company response to consumer: Closed with explanation