BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-10
Company: Constar Financial Services, LLC
State: OR
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Constar is attempting to collect on an auto lease that was originally intended through XXXX. XXXX collection efforts have exceeded the statute of limitations of 6 years. When I asked for information on the last payment on the account I was told that the information was not available. Today I received a letter in the mail from Constar which does not discolose any of the debt information and they are threatening me with legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX  credit bureau has reported a chapter XXXX bk on my credit report and they say they are verifying their Information from the court I have a letter from the court stating they dont and havent reported information regarding me to anyone but they wont stop reporting this unverified information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a credit card with XXXX. I was charged on my account with a charge for a service which I did not receive. I objected to the charge, but XXXX XXXX investigated and refused to remove it. This was for a service I did not receive and refused to pay the charge. I closed the account, but XXXX XXXX continued to add interest and late charges and the total bill increased to {$550.00}. This was never a legitimate charge. 
I went to the hospital with a XXXX. I was misdiagnosed in the hospital, got XXXX for nine weeks as a result until later finding medical help. I called the hospital and refused to pay my share of the hospital bill because I was misdiagnosed. The hospital refused to give me credit and subsequently submitted my bill for collection and it wound up on my credit report. This is not a legitimate charge which I had the right to refuse to pay and it should not be on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX, I missed a payment on my mortgage due to a miscommunication between my wife and i. We are in the process of switchign jobs and relocating, and the issue just slipped through the cracks ... we each thought we had paid the bill. When we realized this mistake, we called XXXX and apologized, and rushed a payment. XXXX at the time told us that they would not report to the credit agencies since we had been on time for so long. 

Last week, i checked our credit reports and learned that us bank had in fact reported it. I called us bank, who said they were unwilling to correct their mistake, and they would not honor the promise they made to me when i called in XXXX. 

My own opinion is that this is a prime example of the banks punishing a consumer unnecesarily when they are trying to do the right thing, and I would like XXXX to rescind the report, and for experian to re-calculate my credit with a good payment record. 

Also, as a side note, we have paid this mortgage on time for many years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: Ascension Point Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My mother died XXXX/XXXX/2014 and left an unpaid credit card. I went into the store to pay it and learned that they had written it off. ( excused the debt ) When I got home my wife said a collection company called and wanted payment for that same debt. She did n't know it had been written off by the original company and she agreed to pay it. She gave them a check by phone to be cashed a few days later. I stopped payment on the check as soon as I learned what she did. 
The collection company is AscensionPoint Services. They have continued to call me and my wife on our personal phones and her work phone. They say we are n't responsible for the debt but they keep calling. I researched AscensionPoint and found numerous pages of complaints on them being a scam and not to pay them anything.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several accounts that are NOT mine reporting to Experian. In addition my name is not correct with Experian either. I 've sent documentation proving my identity several times over the past 5 months and Experian is not complying with my demand to remove this erroneous information from my credit profile. This mis-reporting information is causing me much grief and frustration. Clearly I am NOT XXXX XXXX as they are reporting me as. On XXXX XXXX & again on XXXX XXXX I sent letters of dispute with all Identification documentation provided. There are several delinquent student loan accounts reporting falsely in my credit profile. I have confirmed with the Dept of Ed several times and they are in agreement these accounts are not mine. These accounts were deleted from my profile with XXXX and XXXX properly already. Experian is now the last credit bureau not in compliance.

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 2016-08-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I challenged a public record for a civil claim that showed up on my credit report 3 years after this was filed and then withdrawn. It only showed up after having my credit report pulled for a mortgage. When I challenged the accounts with XXXX and Equifax , XXXX removed immediately because they could not verify the information. The XXXX XXXX county courts do not verify or validate information with the XXXX reporting agencies at all. Then I challenged the public record with Equifax and asked for validation of their source and the information required by the FCRA to put such information on my credit report knowing that their is no record of this anywhere. Again Equifax ignored the request and the account is still on my credit report. Equifax sent back responses however they did not list the Judgment that was challenged, they only listed other items on my report. .They are violating my credit reporting rights and causing me financial distress while Im trying to get a mortgage. Please help me. I have attached a credit report that was pulled in XXXX this year, XXXX response showing they deleted the item, Equifax 2 responses that ignored or even listed they were reporting the judgment at all but as you can see they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal closed my account for no reason and will not help me whith getting it back up and going i am not sure if this some mistake as i assume it has to be i have not been able to get help from them for months but i just rememberedi could file a report on here as i feel they are not doing their job properity and it is effecting me a great deal as i used paypal quite frequently my email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Year XXXX XXXX XXXXXX/XX/XXXXcredit card charged off in XXXX But now back on my credit score and I would like for it to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, 2019, BANK OF AMERICA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by 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 2022-10-12
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
some of the inquiry accounts have been removed but some were not removed which I didn't give them consent to run a credit check which shows as hard inquiry on my account. 
Bank name : XXXX XXXX  Inquiry date : XX/XX/2021 Bank name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2021 Bank name : XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/2021 Bank name : XXXX XXXX Inquiry date : XX/XX/2021 Bank name : XXXX XXXX Inquiry date : XX/XX/2XXXX 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 2022-10-12
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen changed names in XXXX to PHH and XXXX XXXX. Stopped accepting payments. Paid 2 different law firms to get assistance for this company to apply payments instead of send payments to suspense account or foreclosure attorney. 

Applied for COVID assistance through state of MN XX/XX/XXXX with the help of a MN HUD agency. XXXX XXXX has again held payments in suspense account, and threatened foreclosure. XXXX XXXX has Failed to accommodate the Covid Relief Program for homeowners, and failed to apply payments. 

Have been locked out of online access to account since XXXX of 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 2021-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Back on XX/XX/2020, I was granted a Payment Deferral for the month of XX/XX/2020 in the amount of XXXX for my Bank of America mortgage. I have complied with every requirement of this Deferral. Since then, I have received monthly debt collections calls from BAC. I have made no less than 10 calls to the debt collection department trying to get this resolved. Each time someone rightly was able to verify that indeed I have this deferral in place and they claim to try to help and get this corrected, and to date it still hasn't been resolved. I even created a complaint within BAC to try and resolve this and it still hasn't been resolved. The complaint case # XXXX was assigned and I was told would be completed by XX/XX/2020. It still has not been resolved. At this point I am concerned that this will shortly begin to affect my credit, as I am sure this will be reported to one of the credit houses. How is it possible that a large institution such as BAC can not resolve this internal situation for me. Especially since they are the one that offered the deferral to me. I did not go out and apply for this deferral. Because of Covid, they offered it to me and I accepted. I am hoping that someone will be able to assist me with this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: BB&T CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Regional Acceptance has been contacted my cell phone 4-5 times a day via auto dial & wo n't leave messages. Additionally, on XXXX/XXXX/15 they did call me and leave a voicemail at XXXX XXXX PST - which is a clear violation of the FDCPA to contact me prior to XXXX XXXX PST as I reside in California.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: PHH Mortgage Services Corporation
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
we refinanced thru a local credit union, within the year we were notified that Phh mortgage services had taken over our loan, at first it was ok then I was unable to make a payment on time, called them they said I could break that payment into XXXX lesser payments to catch up, not telling me that this was going to affect my credit score showing XXXX late payments, a couple years later my wife got layed off from her job XXXX, we asked to get a loan modification to help offset the loss of income, this was a nightmare, between the representitive that spoke broken XXXX to the constant problems with paperwork, we finally were told we could do a trial period of XXXX payments, we did that with out a problem until our XXXX rep sent the paperwork for the modification I would be paying on my mortgage until I was XXXX, so obviously we said put us back on our regular mortgage then I get a letter saying I owe XXXX dollars in late fees, which they said because you did n't pay your regular amount that late fees were added, we disputed these fees but these people are not approachable, also they kept harassing us when we were in the modification in broken XXXX asking do you want to keep your house, also after we did the trial mod and went back to original mortgage, we got a letter saying we owed them XXXX dollars for original mortgage to get back on track, this company is horrible to deal with, you cant understand them and when you get an American to speak to they do n't want to listen or hear anything you are trying to say to them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Money Tree Cash House llc
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed XXXX and paid it back. Continued to call and ask me to borrow more money and I declined. Later I needed XXXX loan and was given that loan. I paid and then had hard times and that's when the harassment began. I was asked to come in make a {$5.00} payment and " renew '' the loan as I did. Still struggled to make payment. The calls and text became more aggressive demanding I give them a payment date that I could not give as I'm self-employed. I asked for a payoff after making payments for over a year and was told it was XXXX! I refused that this was accurate but was told that's it! 

The real problem began around XXXX when one of the employees ( XXXX ) walked in my place of business and became demanding and started insulting me. I asked her several times to leave and not to come back. She made threats and promises she would be back. I had another similar instance with the manager prior to this one, where she came in and acted like a XXXX child and stomped out. 

I have asked many times for a reasonable payoff to just go our separate ways, but the calls and text continued after I've asked not to be contacted via phone or text. XXXX XXXX They did an unauthorized hard inquiry on my credit that I have since disputed with CRA. 

It is my understanding that collections at a person 's workplace is illegal along with unauthorized hard inquiries of my credit and I ask for proper actions to be taken! 

At this point as mentioned on the last text to these people, I have no intention in making another payment and as I mentioned to them, my odds in a court room would be better than continuing to pay a predatory loan. My rights have been violated and the damages exceed the balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a fraudulent credit card from XXXX XXXX store thru Comenity Bank on XX/XX/22. The card was opened on XX/XX/22, the same day a fraudulent XXXX card was opened. The XXXX store is # XXXX in XXXX XXXXXXXX XXXX Someone charged {$620.00} on the card. 

I live in Florida, over XXXX miles away! I reported it to Comenity Bank XX/XX/22 and to the police XX/XX/22. 

Credit Bureaus said card was never sent thru them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter in the mail yesterday from Chase Bank stating that they would be " ending their relationship with me '' as of XX/XX/2021. They are closing all of my accounts without any explanation as to why. I called to inquire and they told me they were not obligated to give a reason for their decision. My accounts have been open with them for over 20 years and have always been in good standing and are frequently used. I can not think of a legitimate reason for this decision. Now I have to relocate my accounts and change all of my payment information over to the new accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended college in the XX/XX/XXXXs and graduated in the year XX/XX/XXXX. My total amount of my loans topped at {$8000.00}. In the 17 years since graduation I have paid thousands towards my loans. They changed hands a couple of times finally landing in control of Navient. It was not my choice to have my loans under different lenders. Now after 17 years and trying to dispute this through my credit report without success I owe a balance of {$8500.00} which is {$590.00} more than the gross of my original loan 17 years ago. I have now been left with only the option of filing a complaint with three different agencies. I am well aware of the lawsuits files and feel I have been wronged through my student loans. I was steered wrong by both XXXX XXXX and Navient. I can not log into XXXX XXXX to see my history buy according to Navient my loan was disbursed in XX/XX/XXXX which is incorrect. It disbursed in XX/XX/XXXX and XX/XX/XXXX and completed in XX/XX/XXXX with a max of {$8000.00}.
My loan actually reached its term to be paid in full in XX/XX/XXXX. Since XX/XX/XXXX, I have paid {$4100.00}. This does not include what was paid to XXXX XXXX before this. Navient has taken every payment I have made and used it for fees or capitalized interest plus some leaving me owing {$590.00} more than my original loan. 17 YEARS LATER. This is why I stopped payment on this loan. I was getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Upgrade, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I was approved for a loan on XX/XX/2020. Upgrade was to send money to an XXXX account in the amount of {$3900.00}. The money never showed up in the XXXX account and they are now billing me for the money. They refuse to find out where the money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of identity theft and a fraudulent car loan was opened in my name to obtain credit!!!! The account is not mine and needs to be cleared out and removed from my credit report and regional acceptance system. Its through regional acceptance corporation which is apart of BB & T

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