BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-30
Company: N.A.R., Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I still to this day do n't know what this debt was for but a place called  N.A.R Inc ( I  only know this from seeing it on my credit report ) obtained a judgement against me ( only know thos because of my credit report ) for  XXXX  for what I do n't know??,  XXXX   XXXX ??  Dont  know what position he stands in this. A lawyer, A constable or some guy off  the street  collect on a debt?? On  XXXX   XXXX  he came with  2  others to my house and help up a paper like he had a warrant. He was even wearing some sort of gold star shaped metal on a long chain like a old sheriffs badge. They pushed their way through the door started grabbing my Tv 's,  Computer, VCR  anything worth value and putting prices on them. Writing them down as well. They wrote threatening letters to my father stating there was going to be a constable 's sale at my house on   XXXX   XXXX     to sell all my personal belongings and so My father paid them {$1500.00} on   XXXX   XXXX   triple the amount of what the debt of  XXXX  is on my credit report. My father and Friend recently passed away and I have been helping my mother with finacial records, taxes ect..when Icame across the letter they had sent him I had not seen until now. It pains me to know he paid this because I had told him of them doing a raid for valuables in my house and he was only trying to protect me. Whoever N.A.R is or  XXXX   XXXX  these people never verified the debt, never served me papers and used threats to get my dad to pay 3 times what the judgement was for and to top it off Its still on my credit as a judgement against me paid leaves out the fact he overpaid. Will you please help me find out what this debt was for and can they do that act like police take my stuff then advertise there is going to be a constables sale on paper to the public. I tried to call the number and went by the address on this letter but they do n't exist at least not anymore. I just feel bad my dad paid all that and knowing now that they have to verify the debt and serve. Its eating away at my heart Thank you for your time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: JPMORGAN CHASE & CO.
State: ID
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:
My son used my freedom card for battery replacement on the vehicle. He was overcharged XXXX for service and product. He attempted to resolve the problem with merchant including getting documentation but merchant refused. 
I opened a dispute online with chase. I dont know how to properly utilize the system and its overly complicated. 
My main language is XXXX  and he is helping with this complaint. He contacted Chase on XX/XX/XXXX and explained the issues with disputing charge. We requested any documentation in paper format and in XXXX. Chase has not responded and we dont know if they are even disputing the charge. 
Likewise, complaints thru the cfpb should allow for submitting and receiving correspondence in the manner that is more convenient for people. You dont know if people have limited XXXX proficiency or have limited XXXX  due to aging. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Genesis FS Card Services, 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 XXXX account # XXXX, has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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: Public record information inaccurate

Complaint:
I am contacting you today regarding an alleged dismissed bankruptcy that is reporting on my credit reports. It was recommended to me that if something did not seem right on my credit report, that I should send letters to the credit bureaus for them to fix any of my issues. So, I proceed to send a letter to TransUnion on XX/XX/2020 to place disputes on anything that seems to be inaccurate on my credit report. 
I received a response back that the alleged bankruptcy was verified as accurate. Since TransUnion, did not remove the incorrect information, I then again sent them letters dated XX/XX/2020 and XX/XX/2020. I never received a response from TransUnion. 
Then I sent a letter XX/XX/2020 via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. According to USPS tracking, this letter has been received on XX/XX/2020. In this letter, I asked TransUnion for a description of the procedure used to determine the accuracy and completeness of the investigations performed on my credit report. According to the Fair Credit Reporting Act : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. of such furnisher, if reasonably available ; It is now XX/XX/2020 and I have not received a response from TransUnion. They have failed to comply with the FCRA. 
Attached are all documents regarding my complaint against TransUnion. 
I ask that TransUnion complies to the Fair Credit Reporting Act and removes the item Chapter 7 Bankruptcy case number XXXX from 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 2015-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I wrote letters to the the Collection Agency on XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, LAST ONE TO THE CREDIT BUREAUS XXXX AND XXXX XXXX ON XXXX XXXX, XXXX. 
PORTFOLIO RECOVERY WROTE ME ON XX/XX/XXXXStating that they got the information correct and the validation of the account in question is Correct BUT Correct to them, But not to me enclose you will find the big mess there is as far as dates are incorrect and inaccurate, open date of the account is wrong, the balance of the account is wrong, also it looks like the statement they sent me which is not correct it seems like they have put together the pages to coordinate one page with the other you will see in my details where I am pointing out the errors and discrepancies. 

since XXXX Portfolio Recovery did not answer me the letters I sent them to clarify all the inaccurate issues, it is over 30 days now. 
it seems to me that because this account was sold to a second party as soon as the other business entity get the account they update the information to make the 7 years that the account will remain in the credit bureaus is longer, there is no documented payments on this account since long ago the account was open in XXXX, just figure out it 's been 7 years already and still wants to punishing me to last this derogatory and negative item until XXXX IS NOT FAIR, WHEN YOU ARE NOT DOING BUSINESS FAIR, WHY WE CONSUMERS WE MUST PUT UP TO THIS KIND OF ABUSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: OneMain Finance Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I took out this loan in 2019 with one main financial I was told about the interest rate but not once did they show tell me about the finance charge they just showed me where to sign. Ive been paying on this loan on time since 2019. Ive been paying around {$280.00} a month. The Loan was for {$7400.00} so its 25 % interest which is fine I didnt mind that. The problem was when I went to make a payment I still owed over {$6000.00}. When I called to find out why I still owed that much they informed me that I had a finance charge of {$6000.00} on my account for the loan. Not once when I signed up for the loan was I informed or showed a finance charge. On the online portal the highest amount they showed for the total loan was around {$9000.00}. So they were hiding the amount of the finance charge on the online portal as well. Overall I owed over {$16000.00} for a {$7400.00} loan how is this legal? I was also in the military at the time of me signing the loan. So they violated the military lending act by hiding this information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: CITYWORTH MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was approved for a loan from CityWorth Mortgage on XXXX/XXXX/XXXX. My agent sent the loan officer XXXX XXXX the contract on XXXX/XXXX/XXXX. It took him weeks to get started with the loan process. On XXXX/XXXX/XXXX my realtor reached out to him again to see if he started working on the file, but he would not respond to her. On XXXX/XXXX/XXXX he started working on the file. XXXX/XXXX/XXXX he advised the appraisal came back with repairs. On XXXX my agent emailed him to advise repairs were made and for him to order re inspection. he advised it was reorder XXXX. On XXXX/XXXX/XXXX my agent spoke to the appraiser who advised he never received a request to go back to the property. On XXXX/XXXX/XXXX my insurance info was emailed to him. On XXXX XXXX, he had all documents he requested. On XXXX/XXXX/XXXX I sent him documentation I was now receiving XXXX, resent XXXX XXXX, and bank statement .XXXX would not respond to use for over a week. We have emails showing from abt XXXX to XXXX XXXX would not provide updates. On XXXX my agent as for his supervisor, no reply from XXXX. On XXXX XXXX states he needs a clear copy of funds ( which was a gift to close ) leaving my sons acct. That was provided multiple times. XXXX said XXXX the file was in underwriting. On XXXX the processor sent an email asking for pay stubs, bank statements, tax transcript, and insurance information all over again. On XXXX my agent again ask for number for the corporate office so we can file a complaint no reply from him or his supervisor with the information. On XXXX XXXX his supervisor advised my agent this file never went to underwriting. He also advised they are denying the file. There are so many things wrong with this process. They did not process this in a timely manner. They did not communicate and update correctly. Finally they denied my loan but i am still employed and I have XXXX income. I feel like this is discrimination. After being denied on XXXX/XXXX/XXXX I asked XXXX for a copy of my file I received no reply.

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 2022-05-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am unable to get my XXXX and Equifax credit reports via XXXX. The website does not provide a reason for this but instead suggests I contact both bureaus. A postal address is provided for XXXX. No contact information is supplied for Equifax. 

I have tried and failed to speak with someone at both XXXX and Equifax. On several occasions I was waiting to speak to someone for over an hour. 

Note that I can access my XXXX credit report via XXXX. It is not clear to me why it works for XXXX but not the other 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On XX/XX/XXXX we took out a loan # XXXX with GMAC mortgage for {$300000.00}. On XX/XX/XXXX with did a refinance with GMAC Mortgage loan # XXXX. On the enclosed HUD statement a payment of # XXXX was made to " Internal Payoff to GMAC Mortgage ''. However per letter dated XX/XX/XXXX when they did the lien search it had not been placed on the property therefore they did not execute a release of Lien. However after that a lien was placed on the first loan that had already been paid off. The was recorder on XXXX XXXX page XXXX for the amount of {$300000.00}. This should have never been put on since it was paid off on XX/XX/XXXX as stated in the letter from GMAC. 
We are trying to get a loan and are unable to since the lien is still on our property. Since GMAC mortgage no longer exists I tried calling XXXX. They would not help me and gave me Ocwen contact. I called Ocwen and they also would not help me as they only have information on the Active loans. 
In addition the title company that serviced the refinance is no longer in business. We need help on who has the GMAC documents and can help provide us the release of lien that was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Failure by Ally Bank to comply with my mother 's Power of Attorney. They are intentionally blocking access to all bank accounts and unnecessarily delaying funds from being managed. 

Despite numerous promises that a representative would call me, no one ever has. 

I always initiated all contact only to get non-specific timelines and kept on lenghty holds just to receive no answers. I don't even know if they ever plan on providing access. 

Other than initial email confirmation that they received my POA and other supporting documents, there was no further communication from them. 

Their initial email stated a 5-7 business day response, but that deadline has since past. 

Their non-compliance is costing money in lost interest by deterring me from moving funds to other higher paying financial institutions. 

This maybe the reason they are blocking access to the accounts. They know I intend to close them.

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 2016-10-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian Credit Bureau is not verifying accounts before reporting them. This is in violation of the FCRA Section 609. Which states that reporting agencies are to verify all contracts and signature prior to reporting.

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 2016-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates , LLC obtained a judgment against me in XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX, OH ; 12 CVF 0432. This judgment is for account/reference number XXXX, which was paid on XXXX XXXX, 2016. I was told by a representative for Portfolio Recovery Associates that they would file a Satisfaction of Judgment with XXXX XXXX XXXX XXXX within 30 days of receiving payment for the collection account. It is now over 50 days since Portfolio Recovery Associates received payment for this judgment and they still have not filed the Satisfaction of Judgment with XXXX XXXX XXXX XXXX. Over two weeks ago, I sent Portfolio Recovery Associates a Certified Letter asking for the status of their filing the Satisfaction with the Court, but have received no communication from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this money and by law if the consumer ask for validation they must also show proof of signature. Portfolio Recovery have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with Portfolio Recovery, never signed a contract, nor do I owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I recently tried to dispute some accounts that were on my credit report with Trans Union, XXXX, and XXXX. I did so because there are collections on my report which I do not owe or are not mine. I still haven't heard anything from any of the credit bureaus. I read how you have taken a relaxed stance on the credit bureaus from doing their job. I placed the link below even though I know you are the ones who issued it so are ware of it. 

https : XXXX All I want is for the credit bureaus to do their job. They need to delete accounts that do not belong to me immediately and they need to do so without me having to file complaints against them. Thank 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 explanation
Consumer complaint received 2016-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX has placed a collection acct on my credit report that was previously deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: FIRST NATIONAL BANK OF OMAHA
State: KS
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
On XXXX/XXXX/2016, I called First National 's automated system to check my available credit. It stated it was about {$330.00}. My statement also confirms this, Specifically, it states {$350.00} is available. Therefore, I paid {$300.00} on a credit card that I used to pay for an air conditioning repair. 

On XXXX/XXXX/2016, I received a letter in the mail from First National stating the check was returned for {$300.00} ; Moreover, they charged a {$33.00} NSF fee. When I called their automated system, it stated the balance is now {$8700.00}. So there is money that is unaccounted for on the account that has recently come through that they never informed me about through the mail or through their online system. Moreover, the {$300.00} paid to the credit card company is the only recent transaction completed by me on this account since about XX/XX/XXXX. They never should have returned this check and they should given the correct balance when I called.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-04
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an Ocwen shared appreciation mortgage! I received a XXXX from them in 2014 for the discharged debt with code I ( IRS code for other actual discharge prior to an identifiable event ). I have a sales contract on my residence where I was led to believe that I owe them 25 % of the appreciated value over the principle reduction! When requesting the payoff they have not adjusted the waived balance and are telling me that it is not discharged and is being added back to my loan balance and is being included 100 % in my payoff to them! They also made me send the sales agreement and pay for an appraisal so they could determine my adjusted payoff! Now they say that I had a default and I now owe them the entire balance even though they reported it to me and the IRS as forgiven debt! This is deceptive and fraudulent business practice and I am disputing my payoff! My house is scheduled to close next week!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft/fraud and was able to contact/speak to representatives from all credit reporting agencies except Experians. I wrote them a letter with pictures of driver license and other documents proving who I am telling them I use to be able to login and now using ssan, birthdate, mailing address and answering all theirs questions it tell me something went wrong and to call their number only to be put a loop without being able to speak to someone. This been going on for 8 months and frustrated. Look like someone using my info and I locked out. Their online self help do not work when their issues with online verification cant resolve they need to have a live person to speak to.

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