BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have kept contact with  Santander c onsumer Usa company since the very beginning  XXXX   XXXX  about my payments. I noticed that my payment where being applied incorrectly in  XXXX   XXXX  every payment that I made was getting applied only to interest. On  XXXX  the  XXXX  i called the company and address this with a customer services rep who insured me that they would fix my account and apply my payments properly. I called in and made my payment on  XXXX   XXXX   XXXX  I also to verify on this day that my payments where corrected the Rep on the phone said that they saw there was an open case but that the payments had been adjusted and the best way to make the payment is to always call in so I did that until  XXXX   XXXX ,  XXXX  when i spoke t o rep (   XXXX   ) I and as ked about my balanced because my bills never came in the same amount some where lower some where higher and from her explanation 'my payments have still been applied incorrectly mostly to interest '. I have been on the phone with this company for an hour or longer every time since. My account was finally escalated to the presidential de pt. (   XXXX   )   XXXX   XXXX ,  XXXX  because every payment that made over the phone had been made wrong and need adjustments. I spoke to department managers  XXXX , who insured me that they would fix my account and call be back. I had then email me a copy of my payment history every time i talked to then. since  XXXX / XXXX / XXXX  i have called several times  XXXX   XXXX  /  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  get sent to a voicemail saying my number has been linked to my account and all reps a busy i can leave a message and someone will return my call but no one ever called.  XXXX / XXXX / XXXX  i called from coworkers phone and was able to get a Rep. from the presidential dept  XXXX   XXXX   XXXX  who said they where still working on my account and that not all payments had been adjusted i explained to her that my account had went up severa l hundred dollars  since they been working on it she said it would fluctuate but my account was going to get submitted for a audit and they would call me back in a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are some inquiries on my Transunion credit report that I do not recognize and I believe they are due to identity theft because I did not make them or authorize them. 
Here is the following that is on my credit report that I did not make : XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX  XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XXXX  XX/XX/2021 TransUnion XXXX XXXX XXXX  XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XXXXXXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion

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 2015-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I personally have not opened a bank account with Bank of America. I have not made any transaction on a Bank of America account. I have not called or interacted with any representative of Bank of America to open the account that has been reported with my name. There are no other accounts anywhere with my name other than this account that is currently being reported on the Consumer Report bearing a balance that is due which I had no knowledge of nor did I participate in incurring. I found out about this account when I went to Bank of America inquiring on the opening of a XXXX Account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Avant Credit Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I responded to a pre-approved offer and while submitting information, they asked for not just my bank account number but its password so they could " link '' the accounts. I became concerned and stopped doing the application. i went to  XXXX  to research them and read many negative reviews. I did not complete the application. i went back to the website to try to cancel or close it out but it said unavailable and was unavailable the rest of the night. The application was about half way completed. in the morning I received an email saying I needed to complete the application today and funds could be in account by tomorrow. It also stated " by finishing your application you 'll enjoy ... '' My intent was to apply for a {$300.00} loan to buy dirt for an above ground pool i had purchased. i never answered the email. I called my bank today to ensure my paycheck was deposited and noticed a deposit for {$2300.00}. I called and tracked it down  to    XXXX   XXXX   and then to  Avant Bank. I called them and they told me I could return the money but would still owe a {$90.00} +  fee. I told them I never completed the application and  they insisted I did. I did not and would not. I am having my bank reject the deposit. I told Avant I do not authorize them to touch my bank account in any manner and to remove my bank account information from their records. They said they were unable to do that and that " they would n't do anything ''. The Avant person kept then trying to discuss how I intended on paying the $ 90+ fee. I did not ask for this money, I did not complete an application and I do not want their mo ney. It is a total scam, just as the reviews you can find all over  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: DISCOVER BANK
State: NY
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:
My last day in my office was XX/XX/XXXX due to the pandemic. I returned and had no choice but to accept a demotion position on XX/XX/XXXX making approximately $ XXXX less. during the pandemic I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed or late on a payment. I contacted Discover letting them know my situation and to make payment arrangement base on what I can afford at the time, and they refuse to work with me. I'm now back to my office and I'm making payments. I explained to them The Govt passed The Corona Virus Aid Relief Economic Security Act which was enacted in XX/XX/XXXX and that late payments should not have been reported on my account due to the pandemic. I also let them know I attempted to refinance my home and take some equity out to pay off my debt but was denied because of the late payments that is on my credit report which drove down my credit score. I spoke to XXXX ( Delaware location ) who transferred me to XXXX who transferred me to supervisor XXXX who told me that she could not assist me. I reviewed with her The Corona Virus Aid Relief Economic Security Act and she said there's nothing she can do. Account name is DISCOVER, Phone # XXXX, ACCT # XXXX, Late Payments on my account due to the pandemic ( Dates on my credit report - XX/XX/XXXX XX/XX/XXXX Late Payments ). If you need additional information, you can call me at XXXX. 
Thank you very much. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Focus Holding Company
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a balance with XXXX XXXX and paid it but Focus receivables management continues to call and does not remove the item off my credit report and it is causing a negative mark on my report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am deeply troubled by WellsFargos unannounced reversal of previously approved accounts qualified for waving fees but then, aft er two months, WellsFargo silently disavowed the previously qualified accounts and applied service fees Did the WellsFargo Banker and her manager violate  an internal business rule setting up the PMA account in  XXXX  at the outset?      Does WellsFargo promote a culture of allowing banking officers to waive fees manually or improperly represent fees to be waived, knowing that WellsFargo quarte rly audits would re-apply those fees silently?     Is  WellsFargo employing a workforce of under-trained bankers with the strategic idea that they are unencumbered to sell products and that customers like me have to discover and take action on WellsFargos sile nt reversals?

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 2015-06-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Synchrony Bank the issurer of my Amazon Store Card has demonstrated unfair practices concerning my account. Example : credits and adjustments my be reflected in my account but latter placed back onto my account as a charge. My XX/XX/XXXX statement is a fine example where 1. credits and adjustments were made purchases as well. 2. At closing I had {$130.00} available and a balance of {$1600.00}. 3. Interest charge is {$38.00}. My new balance is {$1600.00}. At this time my credit limit is {$1800.00}. 4. At closing, my credit limit is reduced to {$1700.00} and my available credits is XXXX. No addition information was supplied until after my statement arrived ten days latter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a validation letter back in XX/XX/XXXX to Ability Recovery Services LLC, and the debt was not validated. I disputed with the credit bureau and the account was deleted from my credit reports. Now when I pull my credit report again, Ability Recovery Services LLC is back on my credit report again. I sent another debt validation letter on XX/XX/XXXX and haven't heard anything again.

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 2016-01-19
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On or after XXXX XXXX, 2011, I opened an account with Discover Financial Services. Someone stole my identity along with my credit card information and they proceeded to fraudulently use my credit card. This has happened on several occasions and each time I reported the fraud in a timely matter. To date Discover is holding me responsible for charges and fraudulent payments that I did not make. They have also retained an attorney to collect on this debt that I do not owe. I have all the required proof of fraud and I have applied Discover with this information multiple times to no avail. Lastly, Discover has violated my consumer rights by consistently reporting erroneous information to all XXXX major credit bureaus which has left me credit deficit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage was sold within the XXXX year and immediately our payments increased by {$300.00} without warning or explanation. Since then we have been trying to get our interest rate lowered. Then my wife became very ill, was out on XXXX a few times, had XXXX surgeries, and is now on total XXXX. During her time of illness, we were unable to make our payments. For two years we have been trying to get a loan modification, or at least a reasonable interest rate. Every time we have complied with the requested information, they say it 's out-of-date and it seems we have to start all over. The company is Ocwen. We were told that we would NOT be foreclosed on and if we would just keep sending in the paperwork, something would be worked out - that they WANTED to work with us. Now we received a summons of forecloser. We ca n't seem to get anywhere with this business ; calls coming from XXXX which makes it even harder with the communication. We have complied and have KEPT complying with their requests and something new always comes up. We are frustrated, scared, and frankly angry that this is allowed. We ca n't even speak to anyone American so as to understand what they are even saying. We have gotten nowhere fast and feel that this type of conducting business should not be allowed! e neeD SOME HELP!!! PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX serviced of my loan until Navient took over in XX/XX/XXXX. During the time they held my loan, beginning in XX/XX/XXXX, they constantly steered me towards Deferment, Forbearance and Hardship Forbearance when I would have qualified for those six years they serviced my loan for an income based repayment plan. Had is been accurately provided the information needed to make decisions based on all of the available options, I would be nearly 10 years down an income based plan that would have my loans discharged after 300 months of consecutive payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: CITIBANK, N.A.
State: MI
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: Overcharged for something you did purchase with the card

Complaint:
Citi  made a duplicate payment  ( {$2900.00} ) t o a merchant in  XXXX   XXXX . It refused to collect the duplicate payment from the merchant, and told me to make the collection . Citi  indicated at the time that all fees would be waived while I was collecting the money.  Citi main tained the duplicate charge on our account.   I finally obtained the funds from the merchant and forwarded them to  Citi i n  XXXX   XXXX .   In  XXXX   XXXX   Citi fi nally reversed all of the bogus late fees and interest it had charged to our account. The balance now is zero.  Citi h ad been, in error, reporting to the credit agencies that our account was delinquent. It refuses to correct those erroneous reports.   As a result, ou r credit score ha s been reduced more than  XXXX  points and we are incurring substantial penalties as we try to refinance a mortgage.

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 2016-05-07
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Barclays Bank of Delaware can not provide or produce account level validation for the account and did not provide per a certified mail receipt sent XXXX XXXX, 2016 signed by them. They continue to report on credit reports in violation and misrepresentation of my FCRA rights. They have provided a false application without a signature that was not opened by anyone, it is merely a computer generated " report '' of my account. There is no signature and is reported to be a Barclays Card. I NEVER opened a Barclays Card ever. They are misreporting on my credit reports and they are sending false information to show an account was opened which is illegal and is fraud. They continue to report a false account.

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 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureaus are reporting information without a copy of my original signature, I have submitted section  609 claim  to all   XXXX   of the Credit Bureaus, which states that the credit bureaus can not report information without a copy of the original signature. They continually fail to removed the items off of my credit report.

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 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
These credit companies aren't respecting the laws of FCRA. I had an inaccurate and negative account removed from my credit report and it was reinserted without notifying me nor did they send the notification in writing within 5 business days of the reinsertion. This is in violation of 611 ( b ) ( ii ) and this needs to be removed from my credit report. The companies also aren't consistent with their reporting. I disputed an account and it was removed from one credit bureau ( XXXX ) for its inaccuracy and false reporting, but the other 2 ( Transunion and XXXX ) aren't removing the account. There are also unauthorized inquiries that are still reporting after numerous disputed attempts. Please help resolve these issues so I can start to build my credit and work towards getting my family a house. This is unfair. Attached are the letters Ive sent to the companies, well over a month ago, along with my ID and proof of address for identity verification.

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 2015-11-13
Company: PHH Mortgage Services Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am so very frustrated with PHH Mortgage. My loan has been there since XX/XX/2015. I travel and need to ensure that my payment is made so I typically make my payment online and am charged a {$7.00} fee for making a payment. When I inquired about the fee I was told that if I went paperless it would be waived. This is not right as I want the hard copy and have been in the mortgage business for 30 years. I just made a payment over the phone and was again charge another {$7.00} fee. Please someone stop them. The last time I called they put me on hold and left me. This mortgage company is terrible and if I could I would get out

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We receive calls from this business for months. They do not leave any message, or reason for calling. Finally I called them by using caller ID. They are looking for someone I do not know, and they are a collection agency. 

I pay all my bills promptly, and do not deserve to be harassed for someone else 's debts. 

The collection industry is XXXX I have avoided for XXXX years. I do not want to hear from any of them ever. They are ruining my mornings. 

Why are they allowed to do that? The Do Not Call rules appear to give them permission. How come?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: National Recoveries, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Have received letter announcing garnishment to my wages dated  XXXX   XXXX   XXXX  from  US Dept of Ed. bu t have not received any other communication concerning a garnishment prior and now an in an active garnishment. Varying student loan collections organizations have taken my income tax return since  XXXX . I only borrowed {$5000.00} total and have more than paid that off with them taking my income tax return, now they are going to garnish my wages. They say I owe {$5200.00} STILL. I contacted the company after I received the letter on  XXXX   XXXX   XXXX  to attempt to make payment and they would only allow a {$550.00} payment! which is waaaaay to much to pay monthly, might as well let them garnish me if that 's the case. I asked to lower the payment, they would not. My credit will be damaged by an active garnishment and I am seeking some sort of assistance, hopefully your organization can help.

Company response to consumer: Closed with explanation