BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-05
Company: Experian Information Solutions Inc.
State: NJ
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 see CFPB Compliant ID XXXX and my response : I did not get satisfaction nor were anyone from XXXX XXXX XXXX ever available to take my calls or to return them. I want the CFPB to see the response from XXXX XXXX XXXX and note under the bullet points, XXXX XXXX of XXXX XXXX XXXX states : " Your Chapter XXXX statement of intent lists XXXX as 'retain and pay ' ''. I did this and I paid off the carload early which should have been reported to all the credit bureaus. I was never late in paying off the loan and in fact, paid it off months early. If I had not paid it off, XXXX would have repossessed the car. The fact that I told them I was keeping it and acknowledged the debt by paying for it ahead of the the 72 month requirement is evidence enough that I should have a positive report off this on my credit report and I ask that the CFPB INSIST AND REQUIRE XXXX TO LIST THIS POSITIVE CAR PAYOFF ON MY CREDIT REPORTS.

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 2022-03-04
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2022, I made a payment to XXXX XXXX Tax, and the payment was rejected by Golden 1 credit union I had over {$4300.00}, in the bank which is why I was making the payment. Well, the bank rejected the payment and I received a notice days later from XXXX XXXX XXXX Collector. I contacted Golden 1 credit union and they told me that it should have cleared but don't worry the Tax Collector will put the payment through again. A got a letter in the mail that said I now owe an additional {$53.00} for the return payment. So I call Golden 1 and did as instructed and I am still frightening them today. I am out of my {$2100.00} and {$53.00} fee due to XXXX XXXX XXXX Collector. 

What I want : The Golden 1 currently owe me a {$53.00} fee for the return payment and {$2100.00} for the tax payment sent to XXXX XXXX XXXX. Golden 1 currently has my {$2100.00}.

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 2022-10-10
Company: MRS BPO, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection just showed up on my credit, it is not my account. I do not owe this nor is this mine. Please help I got no notification from this company or I would have fought this. It just was reported on my credit file. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: Ocwen Financial Corporation
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was given a name and phone number to call XXXX XXXX at PHH and neither the number or extention gets me to hm. I want to work with PHH but they are not attempting at all to help me.

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 2023-06-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Bought a prepaid serve card not long ago and was super excited to use the card. Everything was going fine until I changed my address out of state because I was moving there and amex XXXX  algorithm decided that it was time to permanently suspend my account. Called customer service and they were extremely lost and had no idea what was going on. Made me do a bank verification to check the address and since the address didn't match what I changed it to. They told me to basically go XXXX XXXX XXXX XXXX  myself and that I am permanently banned probably for life because of it. I was on the phone for hrs and hrs trying to ask what I can do to fix the situation and they couldn't care less. A customer service representative literally told me " u can't escalate this call and there is nothing u can do. '' I'm so XXXX angry and frustrated it isn't even funny.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a letter from Credit Appentance stating do to the Pandemic Covid-19. All late payments wouldn't effect my credit report. However I have late payments on my report. I was effected by the Pandemic.I have contacted the company on several occasions trying to get this issue resolved. I would like all late payments removed from all 3 credit bureaus as the account is paid in full.

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 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I the the consumer natural person initiated an consumer credit transaction with Bank of America for {$70000.00} for a car loan was denied credit. As a credit worthy applicant applying in good faith 12 CFR 1002.7, I believe there is a misunderstanding of my rights and the laws governing Consumer credit transactions. No creditor shall deny a consumer 's credit extension, and I have incurred damages stated in attached affidavit due to this decision.

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 2022-03-04
Company: Experian Information Solutions Inc.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-02-10
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
it seems that PayPal has closed my account for no apparent reason. Not sure if this is a mistake because i have been trying to get a hold of PayPal but no answer, which seems to be them not doing their job. i remembered that i am able to file and get this resolved because i feel like they arent doing their job and its effecting my income i have a large amount of money held in my PayPal which were sent by customers to pay for items. which doesnt seem right. my email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: ENCORE CAPITAL GROUP INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and noticed that I have unauthorized inquiries and information that I didnt give my consent! I want all of these inquiries removed from my credit report asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: WESTERN UNION COMPANY, THE
State: CA
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 was the victim of identity theft through western union i reported it to the bank and provided the information but the bank told me it wasnt enough information but i didnt have much information other than the transaction details and they proceeded to harass me to pay when i had no knowledge of the transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
XX/XX/ ( {$35.00} ) and XX/XX/ ( {$300.00} ) I used XXXX to add funds to my account. The funds were posted, verified and confirmed by my bank Bank Of America on XX/XX/. I used that account to pay bills that day. One of the bills I paid was my Capital One credit card bill. On XXXX XXXX XXXX  I saw that I had a negative account balance due to funds missing from my account. My Capital One credit card payment ( {$120.00} ) was returned I received a late fee of {$29.00} from Capital One. When I saw I had no money in that account and my payment was returned I immediately paid my bill through another bank I have an account with but unfortunately it proved to be too late I still got the late fee. I was so upset especially because I have never been late on payments. Id just gotten a credit increase and this made me look bad to the credit card company. The funds I sent to Bank of America through XXXX were added back into my account days later. I called Bank of America and asked them would they pay the late fee or any fees incurred due to their mistake but they said No they were not paying any fees due to their errors.

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 2023-04-24
Company: BARCLAYS BANK DELAWARE
State: CT
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 REQUESTED FORM BARCLAYS TO FREEZ MY ACCOUNT ( CREDIT CARD # XXXX ) SINCE THERE IS MONTHLY CHARGES BY SERVICE COMPANY KEEP BEING POSTED FOR NO REASON FOR THE AMOUNT OF XXXX XXXX BARCLAYS CONFIRMED THAT THE CREDIT CARD FREEZED AND NO ONE CAN WITHDRAW ANY MONEY. AS WELL AS IT START THE INVESTIGATION TO DISPUTE THE TRANSACTION IN XXXX. I WAS SURPRISED THAT ON XX/XX/XXXX SAME SERVICE COMPANY POSTED SAME CHARGES. SO WHAT IS THE POINT OF FREEZING THE ACCOUNT IF ANYONE CAN WITHDRAW THE ANOUNT HE WANTS. I BELIEVE THAT 1- BARCLAYS PROVIDED ME WITH INACCURATE INFORMATION ABOUT FREEZING THE ACCOUNT 2- BARCLAYS FAILED TO PROTECT MY ACCOUNT, 3XXXX I HOLD IT ACCOUNTABLE FOR TRANSACTION OF XXXX $ ON XX/XX/XXXX. I BELIEVE THAT I SHOULD GET PERMANENT CREDIT OD XXXX $ FOR XXXX CHARGE I AM VERY FRUSTRATED WITH BARCLAYS AND I HAD T OCLOSE

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 2020-07-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Re : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX I filed a Chapter XXXX for the arrears of my house to help pay it off and didn't know it included my credit cards. I continued paying my credit card because I didn't know I had XXXX balance as charged-off. The last credit of my payment was XX/XX/XXXX, but I paid another one on XX/XX/XXXX. Last year a XXXX XXXX XXXX from company XXXX XXXX XXXX sent me a letter stating they bought the account and was charging me {$740.00}. I replied numerous times by email, mail, fax explaining that they were my XXXX payment was not credited and they are missing the XX/XX/XXXX statement that should show my additional payment. I even sent the bank statement that contained the payment history for Synchrony. I was requesting for them to credit my payments and adjust the charge accordingly. Their response email states they received my request but they can't entertain but only through phones. I called and left messages more than these that I remember but they just tell me they will call me back but never did. 
XX/XX/XXXX, XXXX email XX/XX/XXXX, XXXX email telephone call left a message- XX/XX/XXXX Faxed documents XX/XX/XXXX Talked to XXXX on XX/XX/XXXX In XX/XX/XXXX, I became jobless because of the coronavirus state orders. As so, I continued to request to adjust the charge sending them the payment evidence and due to financial difficulty at the pandemic time, I was asking for a payment plan. They responded with a Civil Suit Summon from the Superior Court. I tried to go the court to help me with how to fill up the reply form but no department nor attorneys would help me for a {$750.00} collection case. I am in such financial difficulty I can not afford to spend to court and attorney fees so please help me settle this with this company. I have spent a lot of time trying to contact them and this pandemic and this job insecurities drive me to XXXX with an added lawsuit. Please ask the company to withdraw the lawsuit and just communicate with me

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 2023-04-27
Company: CCF Intermediate Holdings LLC
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are saying I owe {$1500.00} to a company called check into cash. I have never hear of this company and never done business with them. They say they mailed something but I have received nothing and they call at least 10 times per day. I believe the collection company is XXXX XXXX he offered to settled for {$700.00}. I'm retired XXXX and have no debt, I sure would not need a check into cash loan. Please help

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 account is in violation not reporting! 00 % accurate it list the child support court as the furnisher that's forgery and misleading when the courts don't report this type of account. 15 USC 1681e ( b )

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 2023-11-22
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I am contacted more than XXXX times a day on a daily basis in regard 's to my account and money owed. I started a debt consolidation a few months back and was advised per my attorney to stop making payments. They call and text and also block their number more than XXXX times a day. Also calling on Sundays before XXXX. I advised them of my attorney office but they still continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: NV
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 was directed to the XXXX XXXX XXXX  with XXXX XXXX  to finance my dental work totaling approximately {$7000.00}. The dentist directed me to the on-line prequalification site to see if I would be approved without going through the formal process. The prequalification denied my credit so I tried to add my mom to the prequalification site as a co-signer. That prequal was denied also. Based on the wording on the website there were just a few questions and the inquiry would not impact my credit score. Within days XXXX XXXX  sent the denied credit to the 3 credit agencies and my score dropped between XXXX points. When I contacted XXXX XXXX  they said nothing could be done. Their claim 'to get a decision in seconds with no impact to your bureau credit score ' was misleading. Neither me nor my mother accepted the offer, which according to the site may then impact the credit score.

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 2023-11-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
TO WHOM IT XXXX CONCERN, I HAVE NOT BEEN ABLE TO GET A STRAIGHT ANSWER FROM PHH/NEW REZ I KEEP GETTING THE RUN AROUND AND WRONG INFORMATION. ON XX/XX/2023 I EMAILED PHH/NEW REZ ABOUT THE ISSUE THEY RESPONDED WITH THE FOLLOWING : Important Account Information Inbox Relationship Manager Fri, XX/XX/XXXX, XXXX ( 5 days ago ) to XXXX Dear XXXX, Our record shows that the foreclosure process has been suspended as of XX/XX/2023. We have forwarded this request to the Office of the Consumer Ombudsman for additional review. The Office of the Consumer Ombudsman is researching the request and a response will be provided shortly. Please allow time. 




HOWEVER I SPOKE WITH XXXX XXXX TODAY AND THEY HAVE THE FORECLOSURE AUCTION SET FOR XX/XX/2023. I AM VERY CONCERN ABOUT THE SITUATION AS I CAN LOOSE MY HOUSE. PLEASE HELPD ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: I.C. System, Inc.
State: NY
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
Well I received a letter from this company saying I owe them money yet I never owed a medical bill or borrowed money from any one in this company or icp

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 2021-01-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Several years ago I needed a credit report and noticed that an XXXX XXXX account was in my name and shown as delinquent. The account was opened in 1988, three years before I was born. I went through a process to remedy the error and I believed they took care of it. Recently, I sought to obtain a new credit report with my FICO score from XXXX and I saw that my score was being hurt by a write off of an account opened in 1988. After further investigation, it appears that there was more than one account opened in 1988, both through XXXX XXXX. Either they remedied one account, but not the other when I went through this process the last time, or they wrote off the account thinking that this was a solution to my problem but the write off is still impacting my score negatively. I don't know how these accounts could be in my name before my name existed in the Universe, but alas, such is the case. I'm trying to apply for a new rental to move and this could greatly impact my chances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Placed order online for an swimming pool liner in the amount of {$98.00}. Two days later I received an email stating that item was delivered. Reached out to the merchant through email @ XXXX. I sent 3 different messages on 2 different days and still no reply back. I then called USPS and gave them the Tracking number XXXX. The agent then asked me for my shipping address. She stated that the address on the tracking is not mine and that she would open an case for the item. Service request case # XXXX for USPS>>> After contacting USPS I then call my bank which is XX/XX/XXXX ( claim # XXXX ) which then credited my account temporarily. After 90 days of XX/XX/XXXXdoing there investigation they then stated that they would not pay the claim. I have reached out to the claims department multiple times regarding this issue and I was told to contact Pay pal who then stated for me to contact my banking institution. I have missed hours from my job trying to deal with this matter and I thought that your bank has your back.

Company response to consumer: Closed with explanation