BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third bank is servicing my loan. Like all banks operating in todays market place, banks allow users or customers to pay their loan online through online bank. We can all agree, online banking is a standard in todays market place. Every bank EXCEPT Fifth Third bank makes it easy for customers to select or initiate automatic payments online through user profile or settings. 

Fifth Third has processes in place which make it extremely difficult for customers to sign up for automatic payments. They do this on purpose so customers do not sign up for automatic payments, are exposed to expensive fees, and then Fifth Third charges customers expensive late fees when they miss their payment or accidentally miss their payment. 

Fifth Third requires customers to print off a form, sign it, fax it or mail it. They do not allow an easy process such as online enrollment for automatic payments like every other bank. They also require sensitive information on the document such as account number, billing bank account number and routing number on their form. This leaves customers open and susceptible to fraud as the document that is faxed sits in a receiving fax machine for anyone to look at or simply gets lost in the mail if mailed. 

Fifth Third knows the game they are playing, they figure if they make it challenging for customers to sign up for automatic payments, let alone maybe some customers don't have a printer or mean to mail or fax and then exposes customers to expensive unnecessary bank fees. 

If Fifth Third gave their customers an online selection to initiate automatic payments then they would miss out on charging customers unnecessary late fees. 

Fifth Third is taking advantage of people, please do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid off & closed my card with XXXX. After paying it off I received a {$290.00} credit for a purchase for a concert that got canceled. The bank received this credit back on XX/XX/22. Instead of sending me a ck immediately since the acct was closed they sent me a statement with a credit bal. When I got the statement on XX/XX/22 I called & asked them to send me the money, which they said they would. On XX/XX/22 I called again because I had not received the check yet and they told me that they had not sent it yet & were experiencing some delays. I asked them to overnight the ck and they refused. I thought it fitting since not only did they hold on to funds that belonged in an acct that was no longer active and had a XXXX bal. and waited for me to ask for it, but because 10 days had gone by since they told me they'd send me the refund chck. I have no way of knowing how much longer I have to wait for this money to be returned to me. They may delay it again for all I know. At least with the promise of an overnight I'd know right away if they're working on my refund or not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Ocwen Financial Corporation
State: RI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I did the closing on XX/XX/2022 and the the APR is over 8 %. Because I am paying so much interest, I was trying to pay it off as fast as possible. In XX/XX/2022 I sent a certified bank check of {$140000.00} to be applied toward principal only. However they took the about {$8000.00} as the 5 % prepayment penalty and another % XXXX plus as fees the could explained. After multiple phone calls, they reverse it and brought my balance to {$31000.00}. 

I requested a pay-off quote in XXXX and they wanted to charge me about XXXX more as, again, unexplained fees. After multiple phone calls again the issued another pay-off quote of {$33.00}, plus on XX/XX/2022. I wired transfer the money to them on XX/XX/2022, more than a month before the expiration date, but they still don't want to bring my balance to XXXX. No body in the company can give me an explanation about why. PHH mortgage is a nightmare. I don't believe there is any worst company than This company. They are acting as an organized crime institution. Federal authorities have to get involved to save the consumers from those crooks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hi I recently checked my credit report and to my surprise there are fradulant accounts and inquires on my. report. I want to have them removed since these are not my accounts & inquires. I'm a victim of identity theft and would like to take care of this matter as it has given me a big heachache and is stressing me out. Im hoping you can assit me with deleting these false accounts & inquires from my credit report. I will attached my identity theft 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 non-monetary relief
Consumer complaint received 2022-07-02
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a call from an unknown number whose location was just from in town XXXX XXXX, MO ), so I thought maybe it was somebody from work. When I answered, it was an automated message saying it was important information regarding my Chase credit cards and I needed to hold on the line to wait for a representative. I did think it was important because I had just paid my Chase credit bills the night before. The representative picked up the call right away, did not ask for my name, and said that I was eligible for a 0 % APR for life on my credit cards. He started by asking for the last XXXX digits of my XXXX Chase credit cards ( and yes, I gave it ). He also kept asking for the expiration date on the cards, but I was not able to give him that info. He knew the current balances on both cards, he knew when I last paid and how much ( up to the cents ). I know this sounds stupid now, but at that time I was confused and I guess I was also tempted. He then started asking what other cards I had. I named all the others credit cards but did not give him the number. He kept asking question after question, I felt like he was rushing me into giving answers but also kept reassuring me and telling me to take my time. There was a lot of background noise, like it was an office filled with representatives. He asked for the current balance of my XXXX XXXX and I gave him some estimate to the best of my knowledge. He said it again that I was eligible for a 0 % APR - for LIFE - for ALL my credit cards this time ( not just my Chase ). He then asked for the last digits of my SSN and I gave it. He kept rushing to ask for more information. I was now more confused. I guess I was suspicious from the beginning, but was also being XXXX. I asked who was calling and he said he worked with Credit Card Services. I ended the call, and immediately another unknown number called from XXXX, KY. I declined that call, and then another unknown number called from somewhere in MO again. I blocked all the callers. Hours later, there was another unknown caller and I declined it again. At this point is when I started reading more about it and decided to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I been approved for 6 months mortgage payment with HAF Home Assistance Fund in Florida, last month XXXX  apply the firt payment after I submitted a complaint, but now they tranfer my loan to a new company call Newrez Shellpoint... I call HAF, the money for the second month is been send but Newrez claim they don't have it, thet haven't apply the second month payment in my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM The Victim Of Identity Theft ; Whereas, Fraud Accounts Reporting Via My Credit Report Profiles. Moreover, The Following Documentation Sent To Validate My Claim Via Local, State, Military, And Federal Law Enforcement ; And, I AM Legally Responsible Via Any And All Submissions : My Correct Address Is : XXXX XXXX XXXX XXXX!!!!!! 

- Identification - Bank Statement - FTC Documentation - Residential Utility Bill - Notarized Proof Of True Identity FRAUD ACCOUNTS : XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  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 2022-06-08
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 XXXXXXXX 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 2022-07-02
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and 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 non-monetary relief
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 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 2022-12-02
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient Solutions keeps contacting me the last time they contacted a gentleman kept stating I need to pay my loan in full for {$36000.00}. I stated to the gentleman I do not have that type of money and stated as all my calls from Navient are recorded calls I dated every time I needed my loan payments lowered due to loosing my job and not being able to afford the high payments. I stated I could only pay {$25.00} a month as I have many bills to pay. The gentleman told me to post date a payment and I stated I need an email stating this information because I will not just give anyone my person information. This gentleman is unprofessional and is very demanding. The telephone number that keeps contacting me is XXXX. 

I have the voicemail messages if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and 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 non-monetary relief
Consumer complaint received 2022-08-22
Company: Independence Capital Recovery, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I requested a letter, which the collector refused to do. I reluctantly agree to correspond via email. I also asked that they not call me due to severe anxiety at which point he mocked me. Then did not send the email when he said he would. I had to leave a voicemail for the collector to remind him to send it on Friday XX/XX/22. 
I received a call from the collector on XX/XX/22, After I requested to not be contacted by phone. The collector tried to say I called him which was not the case and I have proof otherwise. The collector then tried to pressure me into scheduling a payment at which point I told him I wasnt comfortable doing. I told him that I asked him not to call back to reach me via email as we agreed. He said he would just continue to call if I did not schedule the payment today.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2022-12-02
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RENT RECOVERY SOLUTIONS LLC CONTINUES TO VIOLATE MY CONSUMER RIGHTS PURSUANT TO 15 USC 1692G!!

I have sent Rent Recovery Solutions LLC information directly through Certified Mail which will be my ONLY form of communication. I have asked this company DIRECTLY through certified mail to respond via mail pursuant to 15 USC 1692G, where it clearly states a consumer must notify that a debt is being disputed IN WRITING placing the debt collector on notice that an alleged debt is being disputed. It has been OVER 30days ( which is over the time allotted for a companies response according to federal law ) since I sent this request DIRECTLY to the company following FEDERAL GUIDELINES. Rent Recovery Solutions has NOT responded to my DIRECT form of written contact in abidance and accordance to what Congress has stated the PROPER way to dispute a debt.

I have sent certified mail with a signature requirement ( that WAS signed by this company ) and they continue to violate my right to dispute by not abiding by federal laws in my formal written request, and Rent Recovery Solutions is now trying to tell me how I need to communicate with them via phone, when I am choosing to communicate ONLY by mail.

Rent Recovery Solutions LLC is also continuing to furnish this information to the credit reporting agencies which is also a violation of 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 asked the credit bureau for a verification of everything on my credit report for the account name, XXXX for account number # XXXX on my credit report. They stated everything was accurate. But I did a through research myself and found inaccurate information. Notice that date opened on the credit bureaus are all incorrect. 

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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, Account # XXXX XXXX XXXX, have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions ( I DID NOT GIVE THEM WRITTEN PERMISSION ) 15U.S.C 1681 ( a ) ( 5 ) Section States : NO CONSUMER REPORTING AGENCY may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven year

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 2022-06-08
Company: Experian Information Solutions Inc.
State: NC
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 did not authorize the following companies to do inquiries 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 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 XXXX 

I have no knowledge of these inquiries. 
These inquiries were done without my knowledge. 
This if fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had unauthorized charges from XXXX on XX/XX/XXXX. I reported it to Chime on XX/XX/XXXX. The next day the denied the claim. When I looked at the documents they used to deny the claim they stated it was due to me depositing money in my account the same day. My purse was lost with all of my cards inside. I shared the information with Chime and they did not use that information in their investigation.

Company response to consumer: Closed with explanation