BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-14
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
American Express ( bank ) inquiry XX/XX/2022 XXXX XXXX Bank XXXX finance ) inquiry XX/XX/2022 XXXX XXXX Retailer ) inquiry XX/XX/2022 XXXX XXXX inquiry XX/XX/2022 I dont recognize this inquiries. I didnt give authorization for this inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Approximately on XX/XX/XXXX, I bought my relative XXXX XXXX home located at XXXX XXXX XXXX, XXXX, Ohio XXXX from her son XXXX XXXX. Ms.XXXX XXXX passed away on XX/XX/XXXX. I did a title search and there was no lien stating Ocwen/PHH Mortgage. XX/XX/XXXX Owen Mortgage filed a foreclosure against me in XXXX County Court. After two months of legal litigation, I agreed in good faith to be successor of XXXX XXXX Estate and pay all past due balances of {$7900.00} and monthly payments of {$370.00} until the loan ( # XXXX ) balance is paid off. I paid ( wired ) the past due balance of {$7900.00} from my XXXX XXXX  account. After paying all past due balance, Ocwen/PHH Mortgage made me successor of the account. I made all of my obligated payments to Ocwen/PHH per our agreement. I also made an extra payment to help pay the interest down. The last telephone payment I made to Ocwen/PHH Mortgage, they withdrew from my checking account in XX/XX/XXXX in the which the Ocwen/PHH Mortgage Representative stated I can pay with XXXX and gave me the XXXX information in which the conversation was recorded for quality efficiency. XXXX, XXXX, and XXXX of XXXX I made my payments through XXXX. I just made XX/XX/XXXX Ocwen/PHH Mortgage payment from my XXXX XXXX   BillPay checking account.. For the past three months Ocwen/PHH Mortgage refuses to give me any information on this account ( # XXXX ). Ocwen/PHH Mortgage Representative stated to me that the last payment I made was XXXX of XXXX and I need to pay them {$2000.00} to discuss this account ( # XXXX ). Ocwen/PHH Mortgage refuses to acknowledge me as a Successor as I once was before. Ocwen /PHH Mortgage requested certain documents to add me again as a successor in which i did in a quick timely matter. Ocwen/PHH Mortgage still is being non compliant. I requested through email several times to get a payoff of the property located at XXXX XXXX XXXX, XXXX Ohio XXXX so I can move on from Ocwen/PHH Mortgage! Ocwen/PHH Mortgage predatory practices represents two consumer violations ; ( 1 ) Breach of Contract and ( 2 ) I reside in the home at XXXX XXXX XXXX XXXX, Ohio XXXX with my XXXX year old daughter.I am enclosing all receipts and paperwork to support my claim...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  CARD-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry 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 2017-10-25
Company: JPMORGAN CHASE & CO.
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:
My mother XXXX XXXX in XXXX, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I received a loan for a used XXXX in XXXX with Santander for around $ XXXX. It was a joint account with my XXXX that co-signed. My XXXX and I were splitting the payments. I had the car for XXXX of years before I decided I would like to trade it in for a different vehicle to work on lowering my monthly payments. When I went to trade the car in for a new car the dealer ran the report and found out the car had a XXXX XXXX and was worth {$0.00} on a trade in. When I bought the car, this was not disclosed to me nor on the sales receipt or paperwork. I was unaware of the XXXX XXXX at time of purchase, again it was not disclosed in anyway. After I found this out I went back to the original dealer that sold it to me, but they were out of business. Makes sense as I believed I was scammed and wanted retribution for the bogus sale. Since that was a dead end, I called and talked to the loan company Santander to see what could be done about them giving me a $ XXXX loan on a car with a bad title, but didnt get anywhere with that and of course they said there was nothing than can do for me. after that, I contacted multiple XXXX, but it didnt get anywhere since the dealership was no longer in business and could not be found. During all of this my XXXX became XXXX and XXXX XXXX. I was on my own with the car and payments. Up to this point we have been paying on a car for XXXX plus years that in retrospect is n't worth a penny. Since the car was not worth a dime. I could not trade it in, failed attempts to sell it because of the title, and not being able to afford it without my XXXX around I had no choice but to let Santander come and take it in XXXX. I should have surrendered it, but I didnt, I do n't know if that would have made a difference. Surrendering the car was unfortunate as I had made enough payments to cover the cost of the car and then some. All that was left to pay was the interest. I was a victim of a scam or fraud. Paying over $ XXXX for a car that was worthless with a bad title. I have the origianl bill of sale that has no mention of a XXXX XXXX It is not currently in my possession but can be submitted at a later time if needed. Santander should never have approved a loan for over $ XXXX on a car that is not worth anything with a bad title and not informing me. I would have never went through with this purchase, I am a victim of a scam and bad business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Called multiple times couild not get a response. When after multiple attempts got a representative after leavjng a message. Asked to do a payment arrangement. Representative declined any offer and would only take payment in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The amount was paid in full through my financial institution bill pay on date due. The account number was changed. Synchrony Bank/SteinMart was able to submit and withdraw the full amount. A phone call was made to representative, XXXX ID # XXXX on XX/XX/2019 waiving the fees. However fees continue with finance and and interest charges to date. Two written letters have been sent to the company with explanation. I explained that I will not accept phone calls only through written documents. I continue to ONLY receive billing statements no written letter. I always pay this account in full.

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 2017-06-28
Company: BARCLAYS BANK DELAWARE
State: PA
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:
Shredding my personal information on XX/XX/XXXX I discovered a check from XXXX XXXX, XXXX. XXXX XXXX, XXXX, De XXXX that I did not cash. The check was dated XX/XX/XXXX. The amount is for {$300.00}. I called US airways master card at XXXX and asked to reissue the check on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I was given a case number and told they would reissue the check in 7-10 days. The case numbers are XXXX, XXXX, and XXXX. <P/>The first letter dated XX/XX/XXXX processed a credit balance refund on my account. Enclosed is a credit balance refund check in the amount of {$300.00}. I never cashed the check, still have the original. I have a letter from US airways mastercard dated XX/XX/XXXX stating that they regret to inform me that your US airways mastercard account is closed. We made the decision to close this account because it has not been used for an extended period of time. I actually forgot to call to activate the new card they sent me. <P/>I have another letter dated XX/XX/XXXX, account ending in XXXX. This letter is in response to your recent inquiry on your ( now called ) XXXX XXXX mastercard account. It states that we are currently unable to complete your request to reissue my check. This is the last letter that I received from 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 2017-06-28
Company: RoundPoint Mortgage Servicing LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I am writing to you today ( X/XX/17 ) to file a complaint against a mortgage company called ROUNDPOINT, out of XXXX, NC. This was my mortgage company, until we sold our home on XXXX XXXX, 2017. My mortgage was paid off and we finance a new home through a new mortgage company. At the time that my home was paid off in XX/XX/XXXX through Roundpoint my escrow was also renewed. My realtor had me contact roundpoint to see if they owed me a refund. Turns out they do. Approx {$430.00} worth. It is now almost XX/XX/XXXX and I have still yet to receive my refund from them. I have been given the runaround from them, they have told me they have mailed me a check, then I was told they did n't mail me a check so then they mailed me another check, I still have not received it, so then I called them back again so they issued another check, still did n't receive that one. I did however receive from them in the mail a " congratulations your home has been paid off. '' So I have managed to get mail from them, just not my refund. I called them last Thursday which would have been XX/XX/XXXX, and I threatened them that if they did not overnight me a check that I was going to file small claims court charges on them. The gentleman on the phone PROMISED ME that they were going to overnight me a check. Here it is Tuesday and I still have not received a check. Today is XX/XX/XXXX. I called them back again and the lady on the phone told me that they mailed me a check Friday ( X/XX/17 ). And then I should be receiving it sometime this week or next week. And I informed her that this is the fourth time that they have tried to send me a check that I am not receiving. I do n't know what else to do and I 'm looking for help. I am ready and willing to file small claims court charges effective immediately unless I receive my money in 48 hours. <P/>XXXX XXXX XXXX XXXX XXXX XXXX, In. XXXX XXXX Roundpoint acct # 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 2019-11-22
Company: SYNCHRONY FINANCIAL
State: MS
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:
Purchase was made from XXXX on XX/XX/XXXX  using PayPal Credit Card. It was placed online for some cat shelves. The amount is {$640.00}. Item will not be shipped until XXXX XXXX. I cancelled and requested refund. This was denied. I was told I would have to receive item and return it. I would get a refund 30 days after it was returned. I was not told it would take this long to receive it or the return policy. I disputed the charge with PayPal Credit Card through PayPal and Synchrony Bank. I have sent faxes and mailed dispute form. It has been ignored. 
This is a lot of money for me. I can't afford to lose that money or be without it for this extended period of time. I'm on a fixed income and am 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 monetary relief
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My social security umber has been stolen and my banking information. Someone has obtained a job using my information and the bank reported that this persons address is at XXXX XXXX XXXX, XXXX, NV, 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 2021-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to apply for a mortgage from Bank of America. I have already signed a sales contract and have sent it to my loan agent at Bank of America XXXX XXXX # XXXX XXXX multiple times. However, the loan agent repeatedly claims that she does not have the sales contract, despite both me and my sales agent sending the contract many times. Her incompetence and failure to read the attachments sent to her is resulting in me in danger of losing not just my house but my deposit of {$25000.00}. I believe she is pretending to not have the sales contract and is intentionally lying to me. 

When both my agent and I have sent the same sales contract to her, for her to pretend she does not have said contract and thus denying me a mortgage is not acceptable.

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 2021-11-26
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
It appears that information on my report is being reported inaccurately. I have 19 accounts on my report in good standing and all over a year old. I paid off my car loan with XXXX XXXX XXXX, and it is no longer being reported on my report, yet there are nine paid accounts shown as potentially negative. It appears there is one collection account that I have disputed. I certainly do not understand the credit scoring process as it relates to my credit report. It seems that I am not receiving the correct scoring that should be a much higher score. I have been in good standing for over three years or more, and my score is fair. I don't have a lot of inquiries. I explain to the agency the information that I have can verify something on my report is inaccurate, and they still don't update the information correctly. Yet, they take the word of the creditor. It appears to me that there is a slight bias going on here. I do not like to call the race card, but I am concerned when I look at my report and have never been late, and I prove it, and it still isn't removed. Enough is enough. I am demanding that this matter be resolved immediately.

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 2019-11-22
Company: DISCOVER BANK
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Wednesday XX/XX/2019 I attempted to open an online Discover savings account. During the process, it asked me to initiate a one-time transfer from XXXX  XXXX XXXX for {$15000.00} to fund the account. Near the end of the process, the application errored out. I was unable to get an account number or log in info- nor did I receive any texts/emails that an account was opened. I called in to get the information. I received the account number and then was able to register and create an account online. After this, I checked my transfer activity- there was no transfers listed. So I initiated a one-transfer for {$15000.00}. Today on XX/XX/2019 I see that now my transfers were completed twice- overdrafting the linked account. There was no indication that 2 transfers were pending or occurring. Even logging in, it only shows one completed transaction of {$15000.00}. This bank 's technical difficulties have overdrafted my original linked account, without letting the consumer know that an account was even successfully opened! I would never have known if I didn't call in right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: SYNCHRONY FINANCIAL
State: AL
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:
On XX/XX/2019, a Cashiers Check was sent to Synchrony Bank to pay my existing balance of {$1300.00}. On XX/XX/2019 I called the company to inquire why the payment had not posted. They said the check must have been lost in the mail. On XX/XX/2019, the bank put a stop on the first check and created a new Cashiers Check and sent it XXXX which was received on XX/XX/2019 by Synchrony Bank. On XX/XX/2019, both checks were deposited but I was only given credit for one. When the " stop payment '' check was returned, they reversed my payment. I have called them multiple times in an attempt to correct the issue. My bank wrote a letter and included copies of both checks and the status of each. To date, Synchrony Bank still shows me owing a balance of {$1300.00}. The people at customer service see the issue and agree with me but the payment processing group WILL NOT fix the problem. They will not give me credit for the check which did clear the bank.

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 2021-04-14
Company: EQUIFAX, INC.
State: FL
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:
I received a catalog for XXXX and XXXX on XX/XX/XXXX. I ordered some items and paid it off on XX/XX/2021 There was no hard inquiry. My credit score went down and I am in the process of cleaning up my credit report. 
Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. 

Please remove the XXXX account also. It is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company continues to harass me over a debt that's fraudulent. I've provided them proof of this on numerous occasions. In fact, the debt was proven fraud and deleted from the bureaus, but this company had it added back on which is illegal and a violation of my rights. This is causing me great anguish and I'm considering litigation. Please help me put a stop to this madness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: EQUIFAX, INC.
State: GA
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:
The account was paid in full on XX/XX/2019. 
The creditor was awarded a judgement for garnishment against me on XX/XX/XXXX. 
They left the account open and didnt start the garnishment until XXXX. 
I paid it off in full XX/XX/XXXX. 
They reflect the account as still being open and being in bad standing. 
They never reported the judgment or the payment. 
And the charged me over what judgement was.

Company response to consumer: Closed with non-monetary relief