BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: Ocwen Financial Corporation
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 status incorrect

Complaint:
Per instructions from automated phone system, in XX/XX/XXXX, I went to the website to complete the hardship form for both my mortgage loans and received " Thank you for your submission '' responses. I waited for mail confirmation that the forbearance was processed. I called on XX/XX/XXXX and learned the automated process was not completed. I also learned a late payment notice was sent to the credit bureaus. I asked the rep if anything showed on my account notes about my filling out the form, he said no. While on the phone with the rep, I attempted 2 more times to fill out the form and received the same thank you response. No notes appeared on the system. There is clearly a break on their end. I waited until the next day to call back to confirm there were still no notes and the automated process did not happen to create the forbearance as was told to me would happen. PHH would not make the  forbearance request retroactive which meant I had to make my XXXX payments ( which I obviously was looking to avoid since I just lost my job ), and I got hit with 30 day late notices on both my mortgages which dropped my credit score 60 points and below XXXX. The work I do requires credit checks and I will not be able to get another job with my current credit score. I may ultimately lose my home with no work all because their automated system did not work. If this happened to me, I'm sure it happened to others who were trying to avoid long wait times on the phone and taking what we thought was an easier route by processing over the phone. This is TERRIBLE service in the middle of a pandemic when people 's livelihoods are already distressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: OK
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:
After realizing my identity was compromised I immediately decided to take the necessary steps in attempt to try resolve this matter with all three of the major credit bureaus. I have sent several disputes including a identity theft report which included several of the fraudulent accounts in question. I have included several pieces of supporting documentation along with my identity theft report and Experian has failed to provide accurate verification as per the Fair the Credit Reporting Act. Experian has failed block the fraudulent accounts within 4 days of being notified as per section 605b. Experian has also failed to abide by sections 609 and 611 of the Fair Credit Reporting Act by taking more than 30 days with the investigation and clearly violating my consumer rights. The fraudulent accounts in question are XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX. XXXX XXXX University # XXXX, XXXX. XXXX XXXX # XXXX. All these accounts have and were included in my identity theft report as a result of fraud and in no way should not be listed on my credit report. Experian continues to send out vague responses without any significant proof of showing any obligation connecting me to any of these debts.

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 2019-06-19
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit acceptance will Not Remove this. 
They are crooks

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 2018-03-14
Company: BARCLAYS BANK DELAWARE
State: CA
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 balance transfer

Complaint:
On XX/XX/2018 I paid the amount of {$3200.00} to XXXX from a " Balance Transfer Convenience Check '' from my XXXX credit card account. 

The check was in fact cashed by XXXX on XX/XX/2018 and XXXX provided me with a copy of this cashed check with XXXX XXXX XXXX account number stamped on the back AND so there is no doubt that they RECEIVED and CASHED this " Balance Transfer Convenience Check. '' However, they refuse to post it to my account. To aid in the process I faxed them # 1 Their cashed check # 2 The proof that it had also posted as a balance to my XXXX account However, they just keep saying : " That they did not receive the fax ( even though I faxed it 3 times ) and that they still have no idea where their cashed check is. I am now paying interest on the {$3200.00} but it remains not credited/posted to my XXXX and I can not seem to find a resolution with them.

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 2019-02-17
Company: Amscot Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This complaint is in reference to a payday from Amscot My complaint is about there collection efforts. I took out a payday loan in the amount of {$500.00} on XX/XX/XXXX. I extended the loan due to my loss of employment and I eventually ended up XXXX. I provided Amscot with payments as I received money from various jobs, unemployment, family, etc. I have spoken to XXXX and XXXX of Amscot throughout this whole process. I paid several payments and my latest payment arrangement was made that I would make a payment within two weeks prior to this recent went I went into Amscot on XX/XX/XXXX to pay my daughters utility bill for her using XXXX XXXX. I was assisted by XXXX an employee of Amscot. I presented her with the bill and told her I would like to pay this bill. XXXX proceeded to ask for my drivers license and I told her, this is to pay a bill. I handed her my license, she ran it through their system, and proceeded to tell me, " are you aware you have a payday loan with Amscot, I informed XXXX that I have made arrangements for that balance to be paid and that this transaction has nothing to do with my transaction I am here for. She continued to ask me how would I like to take care of this balance. At this time she was harassing me after I told her payment arrangements had been made and my current transaction has nothing to do with why I am here today. I repeatedly asked for the money back that I had given her for my daughter 's transaction and she kept asking how would I like to pay my payday loan back.

My problem with Amscot they are very harassing even with their phone calls to you. You call and speak to people there, explain your situation, make the necessary arrangements, and they still call you a dozen times a day. It is not necessary if they update their system. I have told them repeatedly you do not have to call me 10 times a day about this loan. They continue to do so. On XX/XX/XXXX XXXX did not read me the mini-miranda because at that time she was attempting to collect a date and any information I provided to her was suppose to be used for that purpose. This young violated my rights. harassed me when I explained to her payment arrangements had been made already. and embarrassed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a hotel reservation though Chase Sapphire Card on  XX/XX/XXXX for dates XX/XX/XXXX - XX/XX/XXXX. In XXXX, after checking online, we saw that the hotel announcing closing during our reservation dates. After contacting the company, we saw no resolution and submitted a dispute through Chase for the charges. Multiple times we explained the situation, but due to Chase 's lack of performance, understanding, and communication, we have received 2 notices that state the charges are valid. Chase is under the impression that we attempted to cancel the hotel reservation, and therefore " cancellation policy '' dictates that the charges are valid. Even though in clear company writing of the Sapphire card policies, and also notice from a Chase employee, that, that these hotel charges should not be valid as the hotel was closed, and there was no action from our side. We did not make any cancellation requests

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
I enrolled in a debt management program to manage my American Express credit card account. American Express agreed to the terms of the program. I make the agreed upon payment of {$650.00} toward the balance each month, but they continue to flag my account monthly as " Account charged off/Never late. {$30000.00} written off '' ; however the debt is being paid, as per the agreement, and therefore does not qualify as a charge off. This consistently negatively affects my credit score and the flagged information is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2018-01-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Contacted Wells Fargo to recast loan on morning of XX/XX/XXXX. 

Was told that loan qualified for recast. Was told someone would call me back in " 24 hours '' No call back on afternoon of 1st day ( XX/XX/XXXX ) or morning of second day ( XX/XX/XXXX ). Called back on afternoon of XX/XX/XXXX and asked to speak to supervisor. Supervisor offered no explanation why Wells Fargo did not return call. Told I would get call back in another " 24 hours '', extending original window from " 24 hours '' to " 48 hours. '' No call back by afternoon of XX/XX/XXXX - more than 48 hours total elapsed. 

If loan qualifies, recast process should start immediately. I have n't even been told how we start process and it 's been over 48 hours.

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 2020-08-19
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Friday XX/XX/XXXX I received the following text message ; Did you try a fuel charge at XXXX on card XXXX XXXX yes or no. To optout text stop. 
I mistakenly texted yes thinking my husband was getting gas. 
He did not get gas or use the card. 
My frustration was the next day when I went to make a purchase with my debit card it was declined, Later we checked my account on line and my account was emptied. 
I had a deposit put in for a XXXX the day before. 
Someone had broken into/stolen the account ( I never lost my card ) and charged in {$75.00} increments until it was emptied. At XXXX in XXXX Florida. 
I was living in the time in XXXX XXXX, recovering from a bad fall with XXXX XXXX XXXX XXXX. 
My biggest complaint against the fraud protection and Peoples bank was that if they would have given me more information I would never had typed yes. Like the amount or the location. I feel I was treated very unfairly with no return of over {$900.00}. 
Also they texted only 1 message not one for each withdrawal, which had they. I would have been aware of the problem before all my money was taken. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX SER 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 2020-06-23
Company: ALLY FINANCIAL INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ally Financial has not reported to the credit bureaus since XXXX of 2019. I have requested them to report my on time payments as well as the new balance on the account and they have failed to do so. The reported balance is {$5500.00}, the actual balance is {$3800.00}. I called and they told me their policy is their investigation into why it is not reporting will take more than 45 days. I explained this is illegal and they did not care.

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 2020-06-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been sending documents to the Equifax since XXXX, asking to delete a fraudulent account ( XXXX XXXX/ XXXX XXXX  ) that should not be on my credit report and all they been replying is that the documents I sent did not look like it was sent by me, however, with those same documents they received from they were able to verify my identity to delete other incorrect items on my report. It has been well over 60 days and they have not respond this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$91.00} XXXX XXXX {$1600.00} USDEPT ED XXXX USDOE/XXXX {$5500.00}

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 2019-06-19
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I would receive constant letters from midland credit management saying they were going to sue me in court for a debt that was claimed to be under my name. I began payments to them and was sent a document saying " Due to the age of the debt, we will not sue you or report to the credit agencies ''. They scared me into paying this debt that was not mine by saying they would sue, and after payment said they could not because its old

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My child support goes thru Way2go card. On XX/XX/XXXX a deposit from XXXX XXXX card was attempted but due to my error I didn't have all of my checking account number so the transfer can be completed. On XX/XX/XXXX XXXX XXXX XXXX XXXX rejected the transfer and sent it back the way it was sent. The tracking number that was provided from XXXX XXXX XXXX XXXX that show that they return the money back to Way 2 go card is XXXX. I file a complain with Way 2 go card on XX/XX/XXXX They sent me packet to fill out. Also during that time I was calling to make sure that I was getting the right information. That following Wednesday I was told to go to my bank ( XXXX XXXX XXXX XXXX ) to get a letter stating that it was rejected and fax it to XXXX and to wait 48 business day for the fax to received. I found out later that this was the wrong fax number XXXX. I received the paperwork on XX/XX/XXXX and mailed it on XX/XX/XXXX with a copy of the bank stating that they rejected. I then turn around and fax the bank letter to the correct fax number.. On XX/XX/XXXX I was told my case was closed and to contact my bank by call XXXX. I was assured by my bank they rejected. With way 2 go card I'm constantly transfer around the longest that I have been on hold is 4 hours waiting to speak with someone in pending dispute. I'm getting transfer to wrong department or I just get hung up. I'm disputing that {$1000.00} dollars haven't been placed back into my credit. Its seem as the Way 2 go card doesn't want to help me. Plus I'm being charge IVR of XXXX each time I call to get assistance with this account I have been charge nine time for XXXX for assistance on getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Experian Information Solutions Inc.
State: CA
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2022-01-08
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is a follow-up to complaint # XXXX, filed during XXXX. When I was notified, after waiting almost a year for a response, that the bank had refunded me for approximately {$3000.00} in NSF  fees, I was pleased and went to my local branch during XX/XX/XXXX to attempt to withdraw the funds from the old, closed account. However, I was informed that the entire balance had once again been taken out. Some of the charges that I was told about ( despite asking, I never got an actual statement or accounting of how my money disappeared again ) appeared to be legitimate transactions that were initiated automatically by various companies that I do e-business with, such as XXXX. However, I was told that my account was emptied of the entire {$3000.00} PLUS, more NSF fees were charged even after that. I expressed disbelief that all of the money was gone and that the account had gone negative again and was promised by the branch manager that I would be emailed all of the details of the transactions, which I never got. So, once again, I am left with nothing. I am astonished that Santander feels emboldened to pull this on me again, but here we are. Please help me to regain the {$3000.00} that was taken from my account, less any charges that can be substantiated as approporiate. Hopefully this time, it won't take nearly a year to get Santander to respond.

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 2020-08-19
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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XXXX {$470.00} XXXX/XXXX   XXXX {$770.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation