BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX  | Account # XXXX | Balance : {$330.00} In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX has violated my rights. 

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 XXXX XXXX XXXX  | Account # XXXX Balance : {$690.00} | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # # XXXX has violated my rights. 

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 XXXX XXXX | Account # XXXX | Balance : {$290.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

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 XXXX XXXX XXXX | Account # XXXX | Balance : {$730.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 XXXX XXXX  | Account # XXXX | Balance : {$340.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # # XXXX has violated my rights. 

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 2022-08-15
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In my previous complaint ( XXXX ) I complained about the mortage being put into forbearance without my knowledge. Wells Fargo responded and acknowledged that only one person is required to make the request. They also acknowledged that I wanted to be removed from the mortgage. In the resolution of my complaint, they stated " The agreement documents were sent to you ( co-borrower ) and only require the signature of ( co-borrower ) since the agreement terms will remove XXXX from the mortgage account when the documents are returned to us, and the terms of the agreement are applied to the account. The agreement will remove XXXX from the mortgage account as a result of the Quit Claim deed we received. '' I also spoke with XXXX XXXX from the XXXX XXXX Executive office. In speaking with her she stated that she spoke with FHA and that removing me from the mortgage was approved by them based upon the circumstances ( I have never paid this mortgage, I haven't lived in the home for 10 years and we both desired for the home to only belong to XXXX XXXX XXXX ). She also stated the process would take 45-60 days from the time they received the loan modification documents from ( the co-borrower ). 

On XX/XX/2022, I called Wells Fargo to determine the status as I had not yet been removed from the mortgage. At that time, I was told that XXXX XXXX was on long term leave. I spoke with XXXX at the Executive Office, who opened a case to review the status. He called me on XX/XX/2022 and advised me that I was given erroneous information and that XXXX XXXX would have to initiate a refinance or an assumption of the mortgage to remove me from liability. He also stated that he did not have any notes from XXXX XXXX regarding her conversation with FHA. I asked for an estimated return date for XXXX XXXX and was told that information could not be provided. 

I relied on the information. I am unable to move forward with a purchase of my own home with a VA Loan because the forbearance is too recent. Wells Fargo should be held liable for the information they provided to me and the co-borrower. No one offered to reach out to FHA to determine if what XXXX XXXX stated could be acted upon. At the very least they need to make whatever efforts are necessary to remove me from the mortgage as they, in writing, made that promise on which I relied.

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 2017-04-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
OCWEN Loan Servicing, LLC states that they are in the business of helping homeowners as they claim on their website 'Helping Homeowners is what we do! '. Frankly, They are in the business of screwing homeowners like myself and denying me any opportunity for a loan modification.
I request a loan modification from OCWEN, h  owever, they have wrongfully denied my request every time, including the most recent denial letter dated  XXXX   XXXX ,   XXXX   from  OCWEN 'S Escalation Department. I submitted the Request for Mortgage assistance package ( RMA ) for evaluation under the HAMP Tier I and Tier II with all borrower and non-borrower 's income and expenses. OCWEN has failed to evaluate the applicatio n for mortgage assistance based on the reported income ( borrower and non-borrower ) and expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have 2 accounts with Citizens. I am on XXXX ( not my choice ). My income is very limited. Both accounts are closely watched. There are still a few entities that access my account. I have tried endlessly to stop this, however the bank nor the entities do not help. I have been charged 2 XXXX $ insufficient funds fee. When I noticed one of my accounts fell behind by {$2.00}, I immediately transferred monies to correct the unexpected withdrawal that same day. However, Citizens applied a  XXXX $ fee to my account, sending it back into Insufficient status.I have tried mechanically to remove these, to no avail. I had a small XXXX deposit, but that was sucked up immediately. Ca n't do this any more. Can you Help. These withdrawals were not initiated by me, nor expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Good Afternoon Barclays XXXX XXXX XXXX XXXX was shocked when I reviewed my credit report and found late payment both on XXXX and XXXX of this year 2022 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me on my current address of XXXX XXXX XXXX XXXX XXXX MA, and i've already gave this to several of your representatives at the store.

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 2022-08-15
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I signed a contract with Credit Acceptance to buy a XXXX XXXX XXXX from XXXXXXXX XXXX XXXX XXXX found at XXXX XXXX XXXX XXXX XXXX, MN XXXX. It was a very high-pressure sale and i had no real knowledge of buying cars with liens attached. I was easily misled and rushed into signing a contract that i expressed repeated dissatisfaction with. i was clear about my goals and intentions entering into a contract and i even tried to return the car the very next day after purchase. I eventually accepted my situation and continued to make my payments on time every month. I have been looking through my contract and found a couple of issues. in light of section XXXX MN statues XXXX XXXX the APR cap for MN would be 21.75 % and I currently have a 22.99 % APR on my auto installment agreement which is also above the XXXX of XXXX percent tolerance for accuracy pursuant to 12 CFR 226.13 ( G ). In addition to this Billing Error, I was never given the opportunity to purchase Bodily Injury and Property Damage insurance though Credit Acceptance. in accordance with 15 USC 1605 ( a ) and ( c ) this would be inaccurate as well.

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 2022-08-15
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 XXXX Account # XXXX, has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Sale of account

Complaint:
On  XXXX / XXXX /  XXXX   between  XXXX    XXXX   XXXX   XXXX   XXXX  , I was told by a female   XXXX    sales associate who identified herself as  XXXX  that an item she located and provided to me at the   XXXX   store in  XXXX   XXXX  was on sale for 20 % off the discount price. After waiting in a short line and upon mentioning the 20 % discount to a young   XXXX   woman working at the register, the young  XXXX  woman told me that I would receive an additional 10 % off if I opened up a GAP credit card account and the total discount would be 30 % ( it actually was n't 30 % but rather 28 % since the price was first reduced by 10 % and then subsequently reduced by 20 % ). While I was distinctly told that I would receive an additional 10 % off discount by enrolling for a GAP card and the item was on sale for 20 % off, the receipt states that the item discount is 10 % and the discount for GAP card enrollment is 20 %. Given the verbally quoted discounts by both GAP employees do not match the actual discounts as reflected on the receipt, it appears that I was fraudulently induced to open a credit card I  may not  have otherwise opened had I been told what was correct or accurate ( I typically would not open a credit card for a 10 % or 20 % transaction discount for a small transaction ( i.e., less than {$19.00} ) ). As far as the actual price of the item is concerned, any mix-up or mistake does n't matter as the price would be the same if the item was first reduced by 20 % and then subsequently reduced by 10 %. That said, the verbal misrepresentations that induced me to open a credit card do matter as I most likely would not have opened the credit card account had I been told the truth.

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 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I settled a XXXX account in full in XX/XX/XXXX. It is now XX/XX/XXXX and the 3 credit reporting agencies, XXXX, Transunion and XXXX are reporting this account as delinquent/Chargoff when it sbould reflect as settled in full or not reflect at all, or completely deleted from my credit file.

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 2022-01-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  XXXX XXXX reporting under account # XXXX is a up to date current closed account that was paid in full that wasn't a charge-off. It has come to my attention that in 2017 for the months of XXXX, XXXX, XXXX and XXXX they have marked across all 3 bureaus Experian, XXXX and XXXX 30 day, 60 day, 90 day and 30 day late payments respectively when this is inaccurate and incorrect. I have made all payments on these accounts on time and have never been late once. I am in the process of going for an apartment and due to these late payments they have severely impacted my credit where I can not qualify for an apartment because my credit is shot due to this. I need this account updated with the right correct payment history as current and up to date on payments.

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 2018-05-17
Company: Freedom Mortgage Company
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a new loan with Freedom Mortgage ( started it XX/XX/XXXX ). Starting on XX/XX/XXXX I requested the removal of PMI with my payment of an extra $ XXXX toward my loan. I was first told I'd need 2 years of payment history before they'd remove. But, after I asked them to put that in writing they called back on XX/XX/XXXX and said they were wrong, and if I paid another {$7500.00} then they would remove it ( by XXXX # XXXX ) & would not need another appraisal as it was within the grace period ( since it was a new loan ). I paid the extra {$7500.00} assuming he told me correctly. On XX/XX/XXXX & XX/XX/XXXX I sent follow up emails to see if they'd removed it & as of XX/XX/XXXX they did not respond to either email. On XX/XX/XXXX I called in and was told by XXXX ( # XXXX ) that it would be processed by XX/XX/XXXX and to call back. On XX/XX/XXXX I called back and spoke to XXXX ( # XXXX ) who said I'd need to send another appraisal before they'd remove PMI. When I told him XXXX ( # XXXX ) said that wasn't true, he said he would call back once he spoke to XXXX. As of now, I still have PMI even though I've requested the removal of PMI, and have more than 20 % paid toward the principle. I keep getting told different things each time I call.

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 2018-02-23
Company: General Motors Financial Company, Inc.
State: AR
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 have auto inquiries on my credit score that I never gave my consent to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was alarmed when I obtained my XXXX XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2014 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
I have had a Capital One Platinum card since XX/XX/XXXX. In XX/XX/XXXX, I applied for and received a Capital One Quicksilver card. Beginning in XX/XX/XXXX, the Quicksilver card information was stolen and I was forced to request a replacement. Over the course of the following four months, it was stolen an additional six times, on one notable occasion while the card was still in the mail on the way to me, before it had been activated. If possible, I would like the damage to my credit rating incurred by this incident repaired, and my ability to secure a card with a more reliable, competent credit provider restored. 

Sequence of events as follows : XXXX XXXX - XX/XX/XXXX {$54.00} of fraudulent charges across 5 instances and 3 vendors. Capital One provided purchase adjustments and issued a new card. 

XX/XX/XXXX - XX/XX/XXXX {$17.00} of fraudulent charges across 2 instances and 2 vendors. Capital One provided purchase adjustments and issued a new card. 

XX/XX/XXXX - XX/XX/XXXX {$16.00} of fraudulent charges, 1 instance. Capital One provided purchase adjustments and issued a new card. 

XX/XX/XXXX - XX/XX/XXXX {$540.00} of fraudulent charges, 1 instance. Capital One provided a purchase adjustment then closed not only this account, but my other account which did not have chain-theft problems as well.

3 other instances of card theft occurred but were caught before charges posted, and are not displayed in my account history. Business and websites that fraudulent charges were made to as well as exact dates are available on request.

Capital One was able to provide no insight or assistance as to how the thefts were happening so frequently or quickly, but having a card stolen before I had even received it leads me to believe that the problem was on their end, not mine.

While Capital One has been willing to reverse the fraudulent charges incurred on my account, they recently cancelled both my Quicksilver and my Platinum cards without explanation or warning, and the hit to my credit rating has caused me to be rejected when applying for a new card elsewhere. While I certainly will not be providing Capital One with my business in the future, the inability to seek a new, more competent credit company is causing me considerable difficulty. Any assistance with credit rating repair and ability to acquire a card with a less compromised credit provider would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good morning, AES misleads lenders in their communications. Recently, I fell behind and received a notice saying that my account was past due by a month. That is fair. But AES does not specify exactly how much is past due and how much is currently owed. They only give the customer the total amount owed.
This can give the customer the impression that twice as much is past due. I have raised this concern with AES and they did not know how to address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked once I viewed my XXXX XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due XXXX and XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This car was paid from the dealership and using a instrument through set off. I did n't hear anything from they have n't sent me anything via mail and additionally they are still reporting on my credit report as the account was charged off. When contacting the company I am unable to get information via telephone or mail. They just keep giving me the run around and no one seems to be concerned about the defamation of character I am experiencing and no one wants to give me. Home loan because of this situation.

Company response to consumer: Closed with explanation