BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: SYNCHRONY FINANCIAL
State: MD
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:
On XX/XX/XXXX, my account with Synchrony bank/ Walmart was closed for default. According to my credit reports my balance shows {$620.00} with a past due balance of {$260.00}. 
On XXXX XX/XX/XXXX I contacted Synchrony bank/ Walmart at XXXX to inquire about which collection agency my account was sold to since my credit reports states that the account is a charge-off. When I called I spoke with XXXX, who stated that Synchrony bank/ Walmart had forgiven my debt and that they had issued me a XXXX which he stated had been mailed to me. I explained that I hadnt received a XXXX and requested that he mail a new one out at which time I provided an updated mailing address. 
I then proceeded to ask if I could pay them what was owed or make a settlement to have the account paid off as all three credit reports are showing a balance and asked if once paid could my credit reports be updated ; XXXX proceeded to tell me that since they werent reporting on the account anymore they wouldnt accept a settlement or full payment for the debt. This didnt sound right to me so I called again on XXXX XXXX and this time spoke with XXXX who informed me that I could send any amount that I would like and could mail the payment to the address that she provided in the form of a certified check, but it wouldnt go towards my debt and nothing on my credit reports would be updated because they are no longer reporting on the debt. I also asked XXXX to resend me the XXXX during the phone call. 
On XXXX XX/XX/XXXX I called back because I hadnt received the XXXX in the mail, this time I spoke with XXXX who transferred me to XXXX, I again asked XXXX if I could make a settlement or pay off the balance and was told that nothing I sent would be applied to my debt and they would also not update any information on my credit report. I informed XXXX that I was waiting for a XXXX to be sent to me and he told me while laughing that it takes 30 days to receive the XXXX in the mail. 
Today is XXXX XX/XX/XXXX and I still havent received the XXXX that was supposedly sent to me by XXXX and XXXX. All three employees of Synchrony bank/ Walmart refused to take a payment to settle the debt that according to my credit report is owed to 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 2015-12-21
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted my mortgage company in XXXX 2013, M & T Bank, about a making home affordable refinance because I was under water with my mortgage. They took me through a process whereby they led me to believe I would be getting a lower mortgage, meaning they would resolve the fact that I am underwater and reduce my principle. In a nut shell, they told me I was ineligible for the program because of my income and said that they could still refinance my mortgage under the program and that I would not need an appraisal or would not have to pay any closing costs. They worked with me to get all my information and refinanced my mortgage. I thought I was getting a making home affordable refinance whereby my principle would see a reduction down to the market values in my neighborhood and that my payment would in turn be lower, which is what I needed due financial hardship of my mortgage. All in all, I found out when the dust settled and all the paper work was complete that they they did what is called a streamline refinance and that it was not in fact a principle reduction through making home affordable. I was left in the same situation I was in and still am struggling to make the payments. I am now in the situation where I have to either short sale my home or do a deed in leiu of foreclosure because they didn ; t help my situation. What they did was to talk circles around me to lead me to believe that what I was getting was apart of the XXXX XXXX program and all they did was line their own pockets by keeping the same principle so that they didn ; t lose money off of the large mortgage I have. They only reduced my rate, which did not reduce my payment at all. I feel like they cheated me out of the rights to get my underwater mortgage principle reduced and now I am in the same situation with little to no recourse and I want something done to investigate what was done to me and probably hundreds of thousands of more people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Nicholas Financial Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I PURCHASED THIS VEHICLE IN 2016 LOAN COMPANY AT THE TIME WAS PLATNUIM AUTO XXXX I MADE PAYMENTS AND SOME TIMES I WOULD DOUBLE UP I WAS PLACED ON A PAYMENT ARRANGEMENT UNTIL I GOT CAUGHT UP FEW MONTHS LATER I FINDS OUT THIS COMPANY TRANSFERED MY LOAN TO ANOTHER COMPANY NICHOLAS FINANCIAL THE PAYMENTS I WAS MAKING THE SUPERVISOR WAS TAKING IT AND SHE WAS FIRED SO NOW THIS COMPANY I'M WITH NOW HAS STARTED MY LOAN ALL OVER AND EACH TIME I'M MAKING A PAYMENT IT'S GOING TOWARDS THE INTEREST AND NOT THE CAR THE LOAN IS STILL AT XXXX I REFUSED TO CONTINUE TO MAKE PAYMENTS AND IT'S NOT GOING TOWARDS THE CAR I SHOULD HAVE BEEN DONE PAYING ON THIS CAR I'M CONSIDERING HAVING SOMEONE TO BUY IT I NEED SOME HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TO WHOM THIS MAY CONCERN : On XX/XX/2021 I sent Americollect a request for validation on 14 different accounts showing on my credit file in the sum of {$2200.00} via certified mail. On XXXX XXXX, 2021, I show in my records my letter was delivered and signed for by an agent with a return receipt. Its been well over 30 days and I still have not received debt validation. The Fair Credit Reporting Act states that while these items are being investigated they must indicate to the bureau that the accounts are under dispute and will remove/cease from reporting this information to the Credit Reporting agency until full validation has been completed. This company is still to this date reporting invalidated information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They get the payment every month but adjusted with other monthly payment this thing is going on for few year

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
DO NOT CLOSE MY COMPLAINTS! THEY HAVE NOT BEEN RESOLVED REFER TO CASES XXXX & XXXX I just received a call from the title company on Friday about signing for my COVID19 forbearance plan, but I have already signed this!!!! It has been 3 weeks since I stated that we need a split signing and they have not sent any paperwork to my sister in XXXX  to sign! This is ridiculous. Meanwhile my account is still frozen and all the payments I make are unapplied. My statements show I owe 4 payments when I have made my XXXX, XXXX, XXXX payments!!!! HUD is only paying the XXXX & XXXX payments. I also requested a new case worker on my account and shes as useless as the other guy. She said she would followup. She did once and haven't heard anything. The system also reroutes me to the original person and that should not be happening. Please Advise.

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 2016-09-28
Company: CSO Financial
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
self employed, hit hard times and mistake in checking account resulted in NSF checks, which after bank fees amounted to {$1700.00}. tried to set up payments, but account was sent to credit services of oregon. after they included all their fees the amount is now {$3500.00} ( I believe outright usury ) anyhow they continue once a year to garnish the checking account, but this year they hit it twice within 4 months. I called to try to set up payments, {$25.00} a month, using the company debit card and was told there would be a {$15.00} to {$25.00} fee for using the card. We want to make this go away, but ca n't seem to get ahead Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Exeter Finance Corp.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: ERC
State: PA
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:
Enhanced recovery place a collection account from XXXX on my credit report I put in a dispute with XXXX  and let them know it was a case of fraud but they didn't remove the account. This account doesn't belong to me someone used my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: OH
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:
There is an account on my credit report listed as XXXX XXXX XXXX Account XXXX. The creditor provided conflicting documentation regarding the balance and is not able to verify the correct balance for the account. This documentation was provided to Experian. However, Experian 's response to the dispute is as follows : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Experian disregarded the evidence submitted in my dispute and simply sided with a response from the creditor. This is clear violation of the Fair Credit Reporting Act. 

The account can not be validated for the following reasons : 1. XXXX XXXX has documentation claiming repossession costs are {$250.00}. However, XXXX XXXX has documentation showing {$370.00} of repossession costs were added to balance. 
2. XXXX XXXX has documentation that shows a credit of {$77.00} was issued to balance for cancellation of GAP insurance. However, the credit does not meet terms of contract provided by XXXX XXXX. Note that 12 months of insurance was not used, therefore a credit of {$140.00} would be expected. 
3. Experian is reporting 3 charge offs for one account on my credit report. The account was not charged off 3 times. 

Please see enclosed documentation, which proves the balance can not be validated and that 3 charge offs are not correct.

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 2020-08-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2017-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On  XX/XX/17    my account was frozen without my consent so I called the bank and I was told to visit a branch which I did and I spoke to the bank manager and she told me they have to closed my account which I requested for my money on the account and the amount was {$630.00} and they told me they can give me the money right away I have to come on the next day because their system ne ed 24hrs to process the   fund.And I came on the next day the manager told me to wait for 14 days to received the check by the mail and I left I waited for  30days  no paid is made to me and I went to the bank again and they told me I incurred a fees for the closing account so they cant give me any money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: MD
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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2018-12-03
Company: Experian Information Solutions 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:
I've mailed certified letters to Experian in regards to credit inquiries that I do not recognize. The inquiries in question are listed below ; - XXXX XX/XX/XXXX -XXXX  XXXX/XXXX XXXX   XX/XX/XXXX -XXXX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX 1XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX-XXXX/XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX/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 2023-01-24
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I dealt with this company almost 19 years ago and now they are contacting me again. They use the name XXXX, but represent many different collection agencies. They try to collect debts of deceased relatives. A debt of my late husband 's ( deceased 2004 ) keeps getting sold over and over. The debt was from a car he ( not me ) owned at the time of his death. The car had to be sold at auction and the dealer/bank did not get the value they needed. My name, social security number, employment, NONE of my information was used to apply for the loan or purchase the car. The car loan was applied for ONLY by my deceased husband! At one point I had to hire a credit attorney to issue several cease and desist letters. ERC uses threatening language and tell you you have to sell your home and they are going to come and put a For Sale sign in your yard if you do not pay them. They ask what assets you might have that you could sell or borrow money from others or they will begin contacting your children, employer, etc., etc. They are PREDATORS!! PREDATORS!! PREDATORS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: ALLY FINANCIAL INC.
State: KS
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
I am attemtpting to dispute a hard inquiry that I did not authorized on XXXX/XXXX/XXXX. 
ALLY FINAN I XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL, INC XXXX XXXX XXXX XXXX, MN XXXX XXXX I researched this company and it states that it is in reference to an auto loan in which I have not need for at all and currently am not looking for any auto loans. It is old that it popped up a day after logging into XXXX 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 2016-07-11
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving collection letters from a collection agency called " Ad Astra '' for a debt that I have not availed ( from XXXX XXXX ). I suspect that either the debt was fraudulently obtained using my information, or the collection agency is fraudulently trying to collect a fictitious debt. 

This debt has been reported to credit rating agencies and is severely impairing my credit score/history. 

I have filed a police report with local county office, and they asked me to follow up with CFPB ; hence this report. 

I would urge you to investigate both Ad Astra and XXXX XXXX as to the origins of these collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was trying to refinance my car and decided to check my credit report. I then realized that Ocwen Loan Servicing had stopped reporting my mortgage payments. The account was either deleted or showing charge-off or closed. I reported the issue to the customer service department and was told they they had been reporting correctly. I then tried to dispute with the credit bureaus and they informed me that Ocwen has stopped reporting and that I can not dispute. I called Ocwen again and they said they had opened an investigation. I never heard from them. I called back and complained again they said that they were not sure why my credit reporting was being " surpressed '' and that they would investigate. I got a letter back a week or so later stating that again the information was accurately reported. I later called in to the office of the ombudsman and complained. after a month or so I again got a letter that the information was correct and that if I had any documents to prove otherwise to send it to them. I called again and emailed the copies of my credit report. I received a call confirming the dates etc on the report. And later received a letter that they would finally make the corrections to my report. I am still waiting to see the corrections. However I watched my credit score drop dramatically across the board. This of course has impacted my livelihood. I was not able to get the refinance rate I deserved I am trying to get better auto insurance and am afraid to try based on my " false '' credit score. This whole process has been goin on since around XX/XX/2016. Thanks for your attention and time to this.

Company response to consumer: Closed with explanation