BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: TN
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 have attempted to get the information owed to me by law by account control bureau. I have asked them multiple times, to prove this debt is valid, Ive also asked for the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. I have contacted the company with no response, I have made a cfpb complaint, with no response, and made a better business bureau complaint, and they responded, but when given the information they requested, did not respond with the information required of them by law. I have also disputed with the main credit bureaus, who have stated it meets fcra  requirements. They are breaking the law ( Fair Debt Collection Practices Act, 15 USB 1692g Sec. 809 ( b ) ) I am enclosing a copy of the BBB complaint ( BBB CASE # :  XXXX  ),  a copy of the original cfpb complaint. (  XXXX  ). Please also see complaint s (   XXXX ,  XXXX ,  XXXX  ) That was sent to the credit bureaus in regards to their dispute practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: DISCOVER BANK
State: NJ
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:
I currently have a DISCOVER CARD which authorized 2 charges which put me over my credit limit by {$1200.00} and then negatively reported me to the three major credit monitoring companies. 

They authorized a charge for {$5600.00} on XX/XX/XXXX which was {$110000.00} over my credit limit and also authorized a charge for {$140.00} on XX/XX/XXXX. If I was already over my limit on XX/XX/XXXX why would they continue to authority another charge. 

I also do credit monitoring with Discover and I was surprise to see that Discover negatively reported me for going over my credit limit. I immediately called them and was told there was nothing that could be done about it. How can they allow you to go over and then report for doing so. Are they so hungry for you to use their card that they would allow you to go over by a substantial amount and not inform you or deny the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an alert fro m the discover indi cating that my account was going to overdraw if I did not make deposit before  XXXX  I believe eastern time. I went ahead and followed their instructions on the email and set a transfer before that time frame on  XXXX / XXXX /  XXXX   so they would considered as settled even though the actual fund availability would take longer to credit the account ( according to the m ). Well tow ards the end of the day  XXXX / XXXX /  XXXX   discover decided to recall the accidental withdraw that was occurring in the account and assess a return fee. Keep in mind that they were recalling a payment from their own institution a  Discover Credit Card payment ( which they will most likely assess a fee on their card side as well ). This institution has no actual sister branches or self standing bank to make the deposit to cure d efault. This institution has no check accepting ATM contract with anyone to try to cure or make deposit that way. Their mobile check deposit according to them will be held at the same standard as if you were setting up a transfer. They have an overdraft system where they require you to open a savings account with a minimum of { $1000.00} ( not everyone has {$1000.00} dollars sitting around especially college students ). T heir checking product has this service where you gain cash back, I have around {$61.00}, previously I had tried getting to redeem these actual funds held by discover to correct a similar situation. They did the same thing and took their time to credit the checking account from funds they were holding. After I told them this apologize and provided a refund acknowledging that they had not been cleared that cash back gained from their check product also took time to credit checking account. In all this bank will not give any ability whatsoever to make deposit that will cover any outstanding withdraws but quick to charge you a fee and return the withdraw when they please. Also, I have had similar situations with this bank where they did allow the overdrawn account to sit while a deposit I made settled and no fee or return withdraw happened. I do n't understand how this bank expects you act promptly when they can not act promptly or understand that due to their lack of access you can not do much but try to correct an issue through avenues they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are numerous addresses and employers that are incorrect on my report. I have asked tha t they be removed so that all of my credit reports match. I have sent in two letters, one fax,  and called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is : The  XXXX   XXXX   XXXX   My Name is  XXXX   XXXX   XXXX  my name was legally changed due to marriage on  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 non-monetary relief
Consumer complaint received 2017-04-12
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Castle Credit has called my job, therefore jeopardizing it in numerous times. 
Calling me at my home after XXXX and on week ends. 
Castle Credit has put a lien on my house for a loan less than {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of XXXX and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: CA
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: EQUIFAX, INC.
State: VA
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  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in ques tion (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ).  They admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  one  they have hurt. Their mistake cost me  XXXX  points on my credit score.   Contract monthly payments are  XXXX . We pay  XXXX  month  to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I recently use the service Venmo to transfer money to a friend of mine who I owed {$600.00} to. I transferred that amount to my friend using the Venmo mobile app. Once I submitted the transfer, I noticed the amount jumped to {$620.00}! There was an instant 3 % fee that was charged. It would have been nice if I had know about the fee before the transfer occurred. It was instant, and I had no chance to cancel the transfer. I thought this was very shady on the part of Venmo. I contacted the company and they said the 3 % was assessed because my account was linked to a credit card which causes the fee to occur. They declined to get rid of the fee citing the terms of agreement. However, it 's important for customers to at least review the upfront fee before they transfer the money. That 's all I wanted, a choice. I was not provided that.

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 2017-04-24
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are numerous addresses and employers that are incorrect on my report. I have asked that th ey be removed so that all of my credit reports match. I have sent in two letters, one fax,  and called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is : The  XXXX   XXXX   XXXX  y My Name is  XXXX   XXXX   XXXX  my name was legally changed due to marriage on  XXXX / XXXX /  XXXX  .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen   XXXX  I was told they many time that they sent information to there legal department to pay them I had s ent Ocwen documents Check Stud, Tax and banking documents via fax without any success Owens the n keep telling me that they did not get those documents for months Then I had contacted  XXXX   XXXX   XXXX   XXXX  to send those documents via fax they said that they did not get those documents Then I had co ntacted my VA REP to send those documents after about four days Ocwen  sent me a Mod Pack It about that time I got feed up with  Owen I contac ted a third-party for help The fresh  Start Ocwen an told that they The Fresh Start would be my th ird day contact  XXXX   XXXX   XXXX   XXXX   deman letter *Specific QWR was sent to Owen with they dismissed it by Ocwen ( Request every aspect of the loan transactions ) Real State Settlement Procedures Act Ocwen still have not resond with any answ er to the  XXXX  Demand document or the QWR  XXXX  -  XXXX   XXXX   XXXX   XXXX    Service- Connection M issouri non Judical forcloser CFPB Case number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In  XXXX  of   XXXX   our home was damaged by superstorm sandy. The home is a duplex and the lower level was on grade and due to flooding has been unrentable and uninhabitable. In addition due to the damage and the state, city and  FEMA requirements we have to lift or demolish and rebuild the home. The home is a 2nd home so we were unable to get relief funds from the federal or state government. W e did recieve an insurance disbursement for losted items and replacement cost of sheetrock. We have spent about {$20000.00} on architects and engineers thus far.   In  XXXX  of   XXXX   we began to contact our Mortgage se rvicer OCWEN to se e what could be done to reduce our mortgage interest rate from 7.875 %. Are request was denied. In  XXXX  of   XXXX   we recieved the insurance disbursement of which just over {$15000.00} went directly to  OCWEN for property repairs. We contacted OCWEN to get an understanding of to use this money, mainly a procedural question, how many estimates were needed, what the funds could be used for, etc. OCWEN was unable to anwer the questions and each time we call we were confusingly transferred from department to department. To this date we still do not have comfirmation of the insurance money with OCWEN an understanding of how to access the funds and no one has ever called us from OCWEN to follow up on  our questions. In addition we have conta cted OCWEN directly by phone and via the website to request loan modification over the last almost 5 years. On the phone we have been transferred or told the request needed to be done online and online all requests have been denied. We have never missed a mortgage payment but due to the condition of the property and the mortgage being underwate r since   XXXX   we have also been unable to refinance with another bank or to secure a loan to rebuild or renovate the property. We have done everything possible to keep the city from condeming the home so that we do not lose our investment bu t OCWEN has not   attempted to help in anyway. We did not want to stop paying the mortgage and damage our credit but the burden is becoming unmanagable. If we sell the property it will be at a tremendous loss. We still have an interest of 7.875 %, we still do not know or have access to the insurance proceeds paid directl y to OCWEN and w e are in danger of losing our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, 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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710XXXX XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
While reviewing my credit card statement, I noticed there was ( 2 ) different interest for credit.

( 1 ) One was interest for charges to my account for purchases and ( 2 ) Another was interest charges for cash advance After reading the policy of my credit card agreement, I come to realize that USAA Savings Bank, USAA Federal savings Bank, the servicer of my USAA credit card, I believe based on my understanding of the agreement is " vague '' and does not explain the double interest charge on my credit card. I called customer representative ( 2 ) times to explain the 2 different interest charges ; one of the reps said I can pay the cash advance amount owed as long as I specify the amount and what it is for. In another call, I explained that I wanted to do just that and was told that I had to pay the entire credit amount for this extra interest rate charge to go away. This is for ( 1 ) one credit card. 
For instance : If I have a total credit limit on my card for {$500.00}. I use {$200.00} of my credit and get a cash advance for {$100.00}, I am being charged the same interest rate on both transactions, example : {$200.00} + 2 % interest and {$100.00} + 2 % interest, when asked if I could just pay off the cash advance amount of {$200.00} which will still be payback on credit owed, I was denied with them telling me in order to get rid of cash advance interest, I have to pay off the total amount owed to my credit used which is {$300.00}. 
This is just an example of how the credit card issuer is practicing unfairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
During the month of  XXXX    XXXX  , I went into Fifth Third Bank to apply for a Unsecured Flexline load application ID #  XXXX . I was told that I had been denied of this loan and received a letter with alot of not true facts. For  one m y credit was  XXXX  which you only need a  XXXX , I have a car loan that has been paid off in full with a long length of credit. I dont have any credit balance on my credit repo rt. Fifth Third Bank turn ed my down but the next day  XXXX   XXXX  gave me a personal loan and a credit card,   XXXX   XXXX   XXXX   gave me a credit card as well. These banks was looking at the same credit report. Because who ever the underwriter was on my application didnt do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/XXXX, Transunion did not DELETE the inaccurate account listed on my consumer credit report. I have attached my Transunion consumer credit report with this complaint as proof that the inaccurate accounts are still on my credit report. This report was recieved XX/XX/XXXX and issued out XX/XX/XXXX as stated on the upper right of the document attached. XXXX XXXXXXXX XXXX is a charge off account that is reporting a BALANCE of {$990.00}. A charge of should show as a XXXX BALANCE. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681. XXXX XXXX  is a collection account reporting as a OPEN ACCOUNT and it has a BALANCE of {$680.00}. A collection account should show a XXXX BALANCE. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681XXXX states the Opening Date was XX/XX/XXXX. The opened date is wrong. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681. I will keep my consumer credit and my copies just case these accounts are not deleted.

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 2022-04-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
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:
I have written this company a debt verification letter to verify that the debt is mine they have yet to send me a letter back with debt I am victim of id theft and I have affidavit on file this company still is reporting the debt despite me sending proper documentation

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