BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2015, my home, XXXX XXXX XXXX, XXXX Georgia XXXX was sold at foreclosure sale.  At the time of the sale, my mortgage reflected an amount of $XXXX.  The property was sold for $XXXX.  As such, there remains an overage of over $XXXX.  This was my primary residence.We have requested an itemized listing of all costs and fees paid as a result of the foreclosure sale of the property.  We have also requested a listing of all legal fees, disposal costs and federal, state and local taxes paid as a result of this foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Bass & Associates, P.C., Attorneys at Law
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was placed on a payment arrangement by XXXX XXXX to get my loans out of default. Each month I was paying my payments. I was told I can pay 20 days before or after my initial date and it will still count as a payment marked as paid on my behalf. I then stared being told other things and my payments werent adding up. I spoke to a supervisor and even contacted the XXXX XXXX XXXX. I demanded proof of payment and my completion letter of the 9 payments I agreed to and never got it. Since then I have made several attempts to call and left voice messages and no one has returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
1. XXXX  did not show me the sticker price on the car. XXXX  picked out a car and said, this is the only car we have for you to finance. 
2. On XX/XX/2018, XXXX only gave me {$100.00} credit for my car. At that time my car was worth {$350.00}. On XX/XX/2018, XXXX gave me the Kelly Blue Book Price piece of paper ( attached in my complaint ) of {$6600.00}. 
3. XXXX  took my {$1500.00} down payment and {$100.00} for my car {$1600.00} down payment.

4. XXXX  overcharged me {$1300.00} for car. XXXX  inflated the cost of my car {$1300.00} and stole my money.

5. XXXX  overcharged for extended warranty. XXXX  charged me {$1700.00}. Those warranties are about {$350.00} a year. XXXX  overcharged me {$1000.00}.

6. Letter from Credit Acceptance response to Consumer Financial Protection Bureau complaint says " As an initial matter, Credit Acceptance is an indirect financing company and DID NOT RECEIVE YOUR DOWN PAYMENT ''. This is my {$1600.00}!.

7.XXXX  charged me 22.99 % interest on loan from Credit Acceptance. Usury.

8. My credit was not that bad.

9. XXXX  refused to show me my credit score.

10. XXXX  refused to give me a copy of the repairs- XXXX  did before I bought the car.

11. XXXX   refuses to correct all these scams they did against me.

12. XXXX took advantage of me big time.

13. I was robbed by XXXX.

14. XXXX  defrauded me. Consumer Fraud against me the consumer.

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 2023-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called Capital One to help me figure out my points in my credit bureau. The only reason why I have a negative points on my credit bureu is because capitals ones customers service center in XXXX XXXX offered a credit card to me, which he said it would be monthly payments. An emergency came I used an amount of XXXX dollars when I tried paying my monthly they told me that I have to pay that XXXX in full, that is not the agreement I agreed to get the credit card. capital one called and said that I have to pay the full amount so at that time I couldnt make full payment and they put a bad point on my credit bureu their customer service lied to me to just to get me to sigh.when I confront capital one customer service said there isnt any notes how they explained to me about the monthly payments, I called back, I feel very unheard and hurt by the way, Capital one has treating me being that I am cooperating to pay the full amor of XXXX. I called one last time and they want to, be very aggressive with theyre speaking. They said they dont participate in figuring out a solution. They did not give me any options to figure something out. I tried working with them. I tried understanding what youre the agent was saying and it all does not make sense. I spoke to XXXX # XXXX she said I could not speak to anyone else she was in the highest position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Above-mentioned Accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10
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 believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Issue: Balance transfer

Complaint:
I over-payed my card and I requested a credit card balance transfer on XXXX/XXXX/2016. American Express told me the credit transaction will be completed in 5-7 days. After 7 business days, I still have not gotten my over-payment transferred, and the customer representative has no solution but keep telling me to wait 48 hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2017-03-08
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Set up account to receive payments from our customer through American Express Buyer Initiated Payments program. They set up the account incorrectly such that payments we were to have received were directed to XXXX XXXX ( we have no relationship with XXXX. ) XXXX rejected the first payment we were to receive via ACH so Amex sent us a check. They stopped payment on that check causing us to incur overdraft fees. When we called to correct the electronic banking information, the salesperson set up another, unauthorized account that had our correct banking information rather than correcting the original account. They also sent us a letter saying that Amex would no longer send checks for rejected ACH payments. However, our next payment of approximately {$1.00} XXXX was sent to XXXX XXXX as well. It rejected so on XX/XX/XXXX they issued a paper check. We still have not received the check. We are incurring interest charges every day ( {$230.00} a day ) that we do not have that check in addition to delaying vendor payments and potential payroll impacts. Upon calling to customer service, the representative and supervisor refused to send us a wire saying that American Express does not send wires ( an obvious lie. ) They also refused to refund any of the {$22000.00} fee they received for the service of " experience faster payments & eliminate check processing costs '' per their literature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: LJ Ross Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an outstanding debt that I owed to XXXX XXXX XXXX for a total amount of {$180.00}, the outstanding debt was sent to a collection agency by the name of LJ Ross. After many harassing phone calls I set up a payment with this company to settle my debt. On the date of XX/XX/XXXX LJ Ross withdrew the total amount of my debt of {$180.00} which was previously agreed on. About 5 days after the transaction i checked my credit report and saw my score had gone up due to LJ Ross changing the status of my account to closed and paid in full. Today XX/XX/XXXX I checked my credit report only to see that my score had changed significantly due to LJ Ross adding a new account in collections for the same debt that I had previously paid off. The collection agency of LJ Ross is attempting to collect again on a debt that was previously paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I was scammed out of XXXX dollars I contacted the scammer asking for a refund or to send my money back and was blocked I then sent a complaint to cash app about the issue with proof and they still didnt want to help with the issue Im having a hard time right out Im out of work

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested a re-investigation of my credit profile, on around XX/XX/2022, and some items were removed, and some items remain. I requested the the credit reporting agencies remove certain items as they don't have permission to report. Pursuant FCRA.

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 2018-10-01
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to put a freeze on my credit report account with Experian.

I first applied on line, but at the end of the process received a statement that they were unable to honor my request based on the information I entered and I would need to send them copies of numerous documents ( including gov't ID, utility bill, bank statement, insurance statement, etc. ) to verify my identity. I felt that this was unduly cumbersome and unnecessary.

I then called them and answered another array of questions, and was informed at the end that they had placed an alert on my file with them and the other two agencies, but no mention was made of the freeze. This all occurred with an automated system and I was never able to talk to an agent to resolve the problem.

I believe that Experian is deliberately obstructing my ability to freeze my file, as they are required to do by law.

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 2023-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Have had business and personal checking and saving accounts with Bank of America for over 5 years. On, or about, XX/XX/XXXX, I deposited a {$3000.00} check made out to my corporation via the mobile app. I was informed there would be a 5 day hold and the funds would be available XXXXXXXX XXXX Friday morning, XX/XX/XXXX. On Thursday XX/XX/XXXX, my business accounts were closed with no advance notice and I was provided no reason. I was told it was a " confidential business decision ''. I was told the closing procedure would take until XX/XX/XXXX, and I would be mailed a check for any remaining funds approximately XX/XX/XXXX. ( my remaining balance in checking should have been {$3000.00}. I received a check from the bank dated XX/XX/XXXX for {$49.00} ( {$3000.00} short ) When i contacted bank they said that was the balance. When I asked about my {$3000.00} deposit, I was told they could not verify those funds. 
I have spoke with several people in customer service who claim to note the account and " look into it '' It has been several weeks now, and I get nothing but a " run around ''. I took it upon myself to contact the maker of the check and was informed the check was paid to Bank of America the last week of XXXX! 
There is also a balance of {$210.00} remaining in a business savings account. To date, this amount has not been refunded either. 
I dont seem to be able to get anywhere with anyone at the bank. I have no idea how to proceed further

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 2023-05-10
Company: EQUIFAX, INC.
State: SC
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:
The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Ralis Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The first week of XX/XX/XXXX, I completed a Telephone Application with XXXX of Owning Corporation for a home refinance. On XX/XX/XXXX, I was contacted by XXXX ( Loan Processor ) and was asked for some of the same information that had already been provided to XXXX. On XX/XX/XXXX I was asked by XXXX about a XXXX Lien on said property, I informed her that that issue had been settled in XXXX. I then had to at her request provide proof. First I found a copy of the dated XXXX check to the owner of that loan. This was still not enough. Then I followed that with the specifically requested settlement statement that included that transaction. There were many moments of concern during this process. Even at document signing with place and date discussed the initial signing did not occur on XX/XX/XXXX. After my reaching out for explanation, it eventually took place on XX/XX/XXXX. Curious, the Notary only had copies of " Notice Of Right To Cancel " but did not provide copies of documents for us to have during this period. On XX/XX/XXXX I received the most incredulous request from XXXX. She requested my spouses work information for verification. I was dumbfounded as this is Day One information provided. Then we were back to the lien of XXXX. Finally this, " signed loan documents have expired " due to the unresolved XXXX lien. I had earlier challenged this inquiry due to the fact that we had been serviced by XXXX XXXX XXXX, XXXX  XXXX XXXX and presently XXXX XXXX since XXXX and this was not an issue with their servicing the loan. We feel bias has a role in this. This has been an unbelievable process as we have excellent credit reports and steady employment. It is sad to say that in XXXX, we feel that as a XXXX, XXXX  older married couple we have been unfairly discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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:
After checking my Equifax and XXXX reports, it shows that i have a XXXXXXXX XXXX. This violates the GBLA federally enacted law that requires Financial Institutions to Not disclose non public personal information to non affiliated third parties, unless the consumer receives sufficient notice. 
Give customers the opportunity to opt out from having their information shared in certain situations. 
Protect the personal and financial information of their customers against unauthorized access or use. 
Not only have I never been given the option to opt out of having my personal information shared across 2 different credit bureaus, but this has also caused detriment to my overall score and report to drop drastically. This would in turn negatively affect any attempts to receive a loan or to be granted a home. I would need this error removed expeditiously as I am a federally protected consumer per the Privacy Act of 1974 and the Right to Financial Privacy Act of 1978.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
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:
Experian isnt investigating anything, just responding with letters and false claims of investigations. Specifically I outlined that someone has established an alteranate but similar social security number as mine, I outlined that they are using a previous address to obtain credit and debt, and Experian falsely states they verified an account is mine. This statement is impossible in respect to public records are only verified by last four, so I in my dispute requested that Experian verified the full social security number which they cant so instead they respond with a false verification. Additionally they refuse to investigate a credit card from XXXX XXXX on my credit report that was opened with XXXX not my social security number and not my address.

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