BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-12
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX This is my second official complaint against OCWEN. Even though they have been fined, sanctioned or other, they continue to act as bullies, and collection thugs. Either they are taking these actions against me for complaining the first time or they do n't care because the profits are just too great for them to care about the consumer. I have made for the past 6 continuous months payments to Ocwen in amounts greater than the required minimum. This did not stop them from sending false and malicious letters stating that I was in " default '' and that they were going to file for possession. They did not apply additional funds to my account but kept them in a " Un-applied Funds '' category to try and fake that my loan was not in compliance. Further, regular monthly payments to them were not " timed in '' and they ran the " clock '' towards foreclosure for their own profit and without concern of the client 's faithful payments. Lastly, they employ a " debt collection law firm '' here in the XXXX area as a " fake store front ''. Ocwen preports that you as a client can go to this location to speak with Ocwen employees for advice, assistance and help and/or make a personal payment. But the location at XXXX XXXX XXXX XXXX, # XXXX, XXXX, Colorado XXXX is clearly another of the infamous law firms that assisted many of the mortgages companies XX/XX/XXXX-XX/XX/XXXX in defrauding home owners and others leading to the banking/mortgage crisis. Specifically, I was told that my personal payment made at the " fake store front '' ( law firm office ) would be credited that day and I was given a date/stamped copy of the same. Three days later after calling Ocwen 's offices, they had NOT received nor credited my account as promised. I am certain that this is Ocwen policy and done specifically to extract fees, bump up profits and abuse the consumer public. These companies should not be allowed to operate. This is not a " new problem '' but systemic and needs to be corrected. Thank you for your help a second time. XXXX in XXXX, Colorado XX/XX/XXXX

Company response to consumer: Closed
Consumer complaint received 2022-07-24
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:
In accordance with the Fair Credit Reporting act the following accounts, violated my rights. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act the following accounts, violated my rights. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

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 2015-12-14
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I received a loan from Advance America, XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX, XXXX, Fax XXXX. I got myself trap in the unrelenting cycle, but paid as required every month. My wife lost job and I had to make some financial decisions. I am on a small SSI income. My first order of business was to find a way to get out from under this cycle. I found a program thru a debt relief XXXX. They contacted Advance to negotiate an agreement to paying off the loan. Advance refused to speak with them even under a POA. We could not understand why. XXXX contacted me and ask me to go in a request a rect of balance and fax it to them, they in turn would cut a check and mail it to Advance attached to rect. I contacted Advance and they would not give a rect of bal unless I came in and made arrangements to pay the bal of {$500.00} off. I explained to them again my situation and I was not trying to renig on my obligation but getting help to pay them off. They refused to speak further on the subject and refused to mail or allow me to come in and pick up the needed rect of bal. Is there not some law that at least allows the consumer right to request documented proof of what is owed? This can be resolved today if they would give me that rect. it seems they are trying to keep me locked in to their contract. What can I do? XXXX said Advance told them they would not talk or give them anything, even with a POA. I feel I am being manipulated and my rights are being violated when I have resolved a means to this end. Thank you, can you help me resolve this matter? XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Yesterday, we received our Chase Visa bill, which contained a {$25.00} late fee and {$5.00} interest charge on a prior balance of {$430.00}. Trouble is, we had paid the bill in its entirety, and on time, as we have for the past XXXX years. When we received it, in late XXXX, I set it up for electronic payment with our bank for XXXX XXXX, a Friday. It was due on XXXX XXXX, a Sunday. The bank paid it on time, and when you pay electronically, the money is received a few moments after it 's sent

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-23
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
We have been trying to get our bills paid to increase our credit scores. When I went into our credit reports we found credit inquiries that were not authorized dropping our scores approximately XXXX points. We contacted XXXX, Equifax, and XXXX in writing and by phone and they state that they will not remove them, that it is a law for them to report who pulls our credit reports. However we did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance {$2500.00} ; XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance {$25000.00} ; XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance {$9400.00}.

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 non-monetary relief
Consumer complaint received 2022-07-24
Company: AMERICAN EXPRESS COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
On Tuesday, XX/XX/XXXX, I purchased and loaded with cash {$450.00} on an American Express Reloadable Prepaid card form XXXX store in XXXX Florida. Two hours after I checked the balance on the card it had a {$0.00} balance. I listed to the transactions that were posted to the account. To my surprize, there were 3 different purchases 2 from XXXX and anotherone from XXXX. I immediatly called the card service to see if they could stop payment. The card representative said the transactions were still pending and advised me to go on line and file a fraud complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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:
Greetings, I have made attempts on several occasions to apprise all XXXX credit bureaus of my concerns. I went through the process of filing an identity theft report and sending certified letters, to dispute an account ( XXXX XXXXXXXX with a {$0.00} balance ) that is due to identity theft. 

Though I had an authentic identity theft report, I was told that the report was not authentic and the account remains on my reports. These credit bureaus are not exercising ethical practices consistent with the Fair Credit Reporting Act. 

I have recently sent letters to continue to request proof that the account in question belongs to me. The original address that they have on file is not an address that I have lived. They are continuing to send letters with old statements in response to my request to verify the account. They have yet to provide anything with any proof reflecting my signature. This is unlawful and it is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: BARCLAYS BANK DELAWARE
State: CO
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:
This is a follow-up on case XXXX. It has now been a month since Barclays committed fraud against my account. Please refer to this case number. They have had a month to work on it and another week has passed. I filed this case with the CFPB a week ago and the response of 'they are working on it is simply untrue '. They have shown no interest in resolving this case. They have tanked my credit by reporting an over limit to the credit bureaus for three weeks. I am now asking for this to be resolved no later than XXXX XXXX XXXX XXXX Wednesday, XX/XX/2022. They have had five weeks since they first caused this fraud against my account. In addition to my account being fixed, Barclays Card should be fined an excessive amount, my account should be credited {$5000.00}, after resolving the {$10000.00} transfer fraud, and my credit should be immediately restored to my pre-barlays card fraud. This organization has shown no urgency in resolving their issues and fraud against myself and my account and my credit score. It is a crime to misrepresent credit to the credit reporting agencies. For those consumers reading this, as I've allowed it to be public, do not go into business with Barclays Bank. Do not get a credit card. They commit fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A new checking account was opened with TD Bank without my knowledge or consent. Contacted TD bank was referred to TD BANK fraud department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-08
Company: Zenith Financial Network Inc
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
called me yesterday from a local number when the company is an out of state company told me I ether had to pay in full to day or start my monthly payments this month told them I could not start till a week from Friday and was told id have to pay in full today or pay in payments XXXX times a month with no other option it is to be believed the company is a scam company website looks fake called me from a local number when there out of state in Florida

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, 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 decided to get my credit pulled due to a couple of bills I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$53000.00} XXXX XXXX XXXX {$770.00} XXXX XXXX {$0.00} XXXX  XXXX {$12.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
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: Old information reappears or never goes away

Complaint:
Hi I opened my account with Bank Of America credit card XX/XX/XXXX. I have 5 late payments still showing on my credit report and it's hurting my score. The account is paid in full and closed. The dates of late payments showing on my account are XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2020-06-17
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2022-07-24
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX company dont want remove account in my credit report.I was a victim of fraud, I was in prison from XXXX to XXXX and the creditors do not want to eliminate accounts on my credit report, they do not want to comply with the law. accounts that I never applied and do not belong to 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 2016-06-13
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Balance transfer

Complaint:
I had a Walmart store credit card until several months ago, Synchrony Bank upgraded my account to a Walmart MasterCard and transferred over my balance. Out of habit, I paid my bill through my bank 's bill pay and paid to my old account. When I realized what I had done, I requested a refund and submitted payment to the correct account. I received my refund check and deposited it. Shortly after, I checked my Walmart account online and saw they had taken the payment from the old account, sent it to the new, and I now have incurred a balance on my closed account. I try repeatedly to pay it off but it still goes to my new account, leaving me with this balance and interest charges each month. I have phoned them, left online messages, and have gone through an account investigation with them with no resolution and am worried about my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In  XXXX  of  XXXX  I was granted deferment on my loans when I enrolled full time in school.  XXXX  of  XXXX  I began receiving letters that my loan payment was overdue. I tried for one week to get answers in regards to these notifications, but every time I called the " system was down '' and they could not bring up my information and assured someone would call me back soon. Finally, on  XXXX   XXXX , of   XXXX   I was assured that my account had always been in deferment and I was to ignore the emails and letters. Today,   XXXX   XXXX   XXXX  , I was informed that my co-borrower has received notification of payments being over 160 days past due and that consequently their credit has been negatively impacted. When I called the company today I asked to speak immediately to a supervisor. The phone called last for 21 minutes,  19  of which I was on hold. The supervisor came to the phone to tell me the " system was down '' and she could not pull up the necessary account information. I demanded someone return my call today because this was not a matter that could be ignored any further and she laughed and said that would not happen.     Additionally, I have never had a smooth transaction with this loan company. I was so happy to get out of business with   XXXX   and switch to my credit union because I thought I would n't have to worry about being conned. Each time I have requested sums from my loan there has been some sort of issue ( i.e. the database showed I had exhausted funds when I still have {$12000.00} left, the payments were late to the school thus causing me to be locked out of my school accounts  ) . I have always paid my loans on time and with no issues. I would simply ask the same out of the company I will be indebted to for the next  twenty  years of my life. I have always treated representatives with respect and appreciation for their help. But today, enough is enough. My co borrowers have now been impacted but irresponsibility I have no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, 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:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CITIBANK, N.A.
State: PR
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:
XXXX XXXX XXXX. the card has a promotion of a free deposited first suitcase ; the promotion is fraudulent because they charged me for my first bag. XXXX $ dollars.

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 2016-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am unable to get my TransUnion report from annualcreditreport.com. I have spoken to XXXX different agents at TransUnion. XXXX tell me that I ca n't access online because I have multiple accounts with my Social Security number, and transferred me to dispute resolution, where they have not been able to do anything. XXXX have said I do n't have such multiple accounts. But I am still denied online access to my TransUnion credit report. What I want is to be able to order my report online, and to know whether I do or do not have multiple accounts associated with my SS number.

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 2016-07-10
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Credit determination

Complaint:
I have a credit card with Chase with a limit of {$65000.00}. I have not been late on a payment and have had a credit score consistently over XXXX. I pay my credit card in full every month. I recently came over my limit to {$85000.00}. I went to lease a car and found that my credit score dropped significantly. The car dealer reviewed my credit report and showed me how it was compromised as a result of exceeding my {$65000.00} credit limit. When I called Chase they stated that because I was a preferred customer they extended the extra credit to me. Unfortunately in the process of doing so, because I did n't pay the credit card down immediately, they reported this to the credit report agencies. The credit card company should have either 1 ) never approved that additional purchase over my credit limit or 2 ) notified me of this happening and the potential effect it could have on my credit score prior to reporting this to the credit report agencies.

Company response to consumer: Closed with explanation