BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-25
Company: GUARANTEED RATE INC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Nature of Dispute : I would like my VA loan service to accept my payment in full via the online process they provided because I paid in full and early. I am afraid Guaranteed Rate is trying to make me default on my loan and charge me late fees by not accepting the payment that they said I can make. 

Commitment : On XXXX XX/XX/2021, XXXX XXXX, the Loan Servicing Coordinator of Guaranteed Rate, sent an e-mail saying I can pay online for my XXXX XXXX mortgage payment. I have an e-mail for record. 

Money Amount : On XXXX XX/XX/2021, I logged onto XXXX XXXX XXXX with my loan interim loan number. I paid {$2400.00} for my mortgage that is due on XXXX XX/XX/2021 with the online process. I confirmation of the transaction for record. The confirmation # is XXXX. 

Dispute not resolved : On XXXX XX/XX/2021, a person from Guaranteed Rate using the phone number of XXXX left a voice mail for me to call back. I returned the phone call at XXXX and Guaranteed Rate informed me that they are refusing my online payment that I made XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: SYNCHRONY FINANCIAL
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had signed up with PayPal Smart Connect which was supposed to help keep my bank account safe when making purchases online but was to automatically deduct the amount from my account and " filter '' it through PayPal so the vendor could gain access to my bank. Somewhere along the line the Smart Connect merged with the credit, which I was unaware of. I made a {$70.00} purchase, which I had assumed came out of my account already. It was n't until the first payment was late that I received an email notifying me. So I made the first minimum payment late but they threw on a {$25.00} late fee. The second payment was apparently late as well and the fee went up to {$35.00} and just keeps hiking up. So now, where my original purchase was only {$70.00}, I now owe them {$120.00} and the minimum payment has jumped up from {$25.00} to {$90.00} after just 2 months. They are calling 4 or and 5 times a day and at XXXX on Sunday mornings.

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 2022-09-08
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I received a call from OneMain due to my XX/XX/XXXX payment not being made, at that time I advised the rep that I had XXXX XXXX XXXX on XX/XX/XXXX & was waiting on XXXX to be processed so I could have a better understanding of what my new income would be until I got a new job. On the XXXX the man that I spoke with offered me a 2-month deferment & at that time I decline & advised him that just as long as my XXXX was approved I should be fine with making the payment. I then received a call from the same man on XX/XX/XXXX, and XX/XX/XXXX & then on XX/XX/XXXX lady called & offered me the same 2-month deferment I again explained my situation & declined. 

I then later called the lady back to go on & set up the 2-month deferment due to I was still waiting on XXXX. At the time that I spoke with her, I was only due for the XX/XX/XXXX payment, she told me I would need to make a full payment by the end of XXXX & once I did that they would defer 2-months. She also stated that once the payment was posted on the XXXX I would receive my deferment approval in the mail. A payment for {$470.00} was set up on that same day to draft out on XX/XX/XXXX, this payment has since been posted & cleared my bank. 

I received my deferment letter in the mail, dated XX/XX/XXXX that states I was approved for a 2-month deferment with my next payment being due XX/XX/2022. I contacted OneMain this morning to get clarification, due to the only payment that I've missed was my XX/XX/XXXX payment. I explained that as of XX/XX/XXXX I was due for XXXX & XX/XX/XXXX payments so the {$470.00} they received on the XXXX should have covered one of those payments & the deferment should have covered the other payment along with the XX/XX/XXXX payment. 

I was then told this morning that the 2-month deferment that I was placed on only covered half payments for the months of XXXX & XXXX, & the payment that I made on XX/XX/XXXX was to cover the remaining of those half payments. This was never explained to me when I was offered the deferment nor is this stated in the deferment letter that was sent to me. All information that was provided to me stated a 2-month deferment, which means it should be 2 full monthly payments, if this is not what they are offering then their letter & information that they provide should clearly say half payments & it doesn't. 

OneMain has now placed me in a worse financial situation because I now have 6 days to figure out how to come up with {$470.00} because they lead me to believe that I would be receiving a 2 full month 's deferment when that was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: PNC Bank N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello my name is XXXX XXXX XXXX Im having credit problems right now but when I ask for a free annual credir report, I found out that is a PNC credit card under my social security I assume, opened at the year XX/XX/XXXX, I say assume because I arrived a this country in XX/XX/XXXX, also I never had a PNC bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: SC
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 went to the XXXX XXXX and they told me they would only check my credit once, they checked it numerous times and I got over 10 inquires on my credit report, lowering my score. 

Then I traded in my vehicle and they never paid off the old loan, months after taking the vehicle. This is highly illegal these practices.

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 2017-07-14
Company: EXPERT GLOBAL SOLUTIONS, INC.
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting phone calls from nco financial for months now starting in XXXX of 2016 I have answered some their phone calls and called them back telling them that I have resolved the situation with my bank and requested that they stop calling me, I am now making the minimum payments to my bank to pay off the debt, yet they still call me everyday from XXXX to XXXX, I spoke to one representative and they told me that I should " suit up '' i would like to stop getting phone calls multiple times a day, every day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2022 I contacted Equifax information services AND XXXX Via expedited mail I have mailed in police report that affidavit etc. even proof of address Equifax information services AND XXXX failed to protect my consumer rights as well as reporting fraudulent accounts below XXXX ) XXXX XXXX XXXX ) XXXX XXXX Equifax information services is reporting a fraudulent collection on my Personal credit report ( XXXX XXXX XXXX XXXX ) which is a violation of consumer rights they also had violated section 605b of the fair credit reporting act EQUIFAX DID NOT INVESTIGATE properly NOR SEND ME PROOF AS TO How this collection account is mine THESE COMPANIES ARE AWARE OF MY IDENTITY THEFT AND FAILED TO REMOVE THE ACCOUNTS! 

XXXX XXXX XXXX are in violation of the fair debt reporting act National credit systems also have my police report etc. and did not provide me with proof of anything do therefore Im suing all companies in federal court as of XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: JPMORGAN CHASE & CO.
State: VA
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 some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. 
I am trying to sign up for a mortgage, so I need to fix my credits. 

XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 


XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted Chase, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I need Discover Services to Update my current credit balance to All the credit bureaus XXXX, XXXX, XXXX and the XXXX score as soonest possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The origin of this paypal account was the result of a refund from a XXXX gift card that could not be redeemed online. The company indicated that Paypal was the only way I could be refunded, so I opened a paypal account. 

Now to the issue at hand, on XX/XX/2020 at XXXX I received an email from Paypal informing me of unusual activity on my account coming out of XXXX XXXX , CA . 

I knew the transaction was unauthorized, because i had not authorized or requested payment from the paypal account. Upon further review, I realized that XXXX RUB to a foreign name ( I can't even spell using this keyboard ). The email address associated with the transaction was XXXX The total amount exhausted the account of the XXXX dollars that was in there and I was charged XXXX dollar for the transaction. 

I attempted to contact paypal by phone, however due to COVD -19 crisis there were no live operators to help. They instructed me to log into my account. However, I could not log in to my account due to an added authenticator code which I have no idea what it is and there absolutely no way around it without live support. So, I figured I out that I could request a claim for the unauthorized payment by phone. 

The first claim number was XXXX. I received a standard acknowledgement by email stating they would look into the claim and notify me within 9 days. i received a denial with the following reason " We found this transaction is consistent with your paypal history. '' My question is, What history? i never purchased anything with this paypal account and it was only opened for a refund. 

I sent a reply to explain further, but I still only got an automatic response to login to dispute or mail in to request documents. So, I made another claim via phone with the number of XXXX. This time I was denied because they were " unable to the locate the transaction. '' Would you please assist me in having my XXXX dollars refunded. I had not made any online purchases on or before that date using a paypal account that I can't even access. Just for the record, I live in XXXX, IL. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: MS
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 checked my credit report and found that 3 companies were violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 and USC 1681 section 604 A section 2. I have the right to privacy. A consumer reporting agency can not furnish an account without my written instructions. I sent out a complaint the was received XX/XX/22. These accounts remain on my report, violating my rights.

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 2022-04-13
Company: CITIBANK, N.A.
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: Problem with rewards from credit card

Complaint:
Citi Bank has stated that rewards on their Citi Double Cash Card ( accrual of 1 % rewards for usage and 1 % for payments made to card ) accrues 1 % for all payments made to card. There exists the ability to redeem rewards for statement credit ( which is a payment on the card ) but they sneakily don't accrue 1 % rewards even though it satisfies the 1 % payment action. A cardholder could instead redeem rewards for a direct deposit of $ and then use that $ from their account to pay the card and that would accrue 1 % rewards for a payment to the card. Historically, Citi Bank rep said it did count to accrue points when redeeming for statement credit via phone call to customer service rep. Citi now states all along it has not resulted in accrual of rewards for making a payment on the card via rewards redemption but would count if using the workaround via direct deposit then payment from account. This clearly mislead the consumer and directly results in a negative impact to the consumer 's financial wellbeing, which violates Citi Bank 's fiduciary responsibility to be transparent ( no materials nor warnings were ever provided to consumer ) and creates opportunity for Citi Bank to gain while the consumer loses when using a logical payment strategy of rewards redemption via statement credit versus direct deposit method. I have contact Citi Bank and they aren't compelled to make any adjustment formally despite placating me by saying they agree that's wrong.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to access my account for Experian to remove a freeze that I never initiated. Called Experian and they couldn't verify my account. Once I accessed a supervisor they stated that there are two accounts under my social security number. I asked for the information or second account to be deleted and they requested for me to upload documents to a portal. I have attempted 6 times to upload the documents and after completion each time i get a error. This has prohibited me from gaining a necessary loan. Please help XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Over the past twelve months I have been manipulated and stonewalled by both my previous Mortgagee ( Greentree/XXXX ) and now my new Mortgagee ( Ditech ). They have held checks for months submitting some while returning or loosing others, un-applied payments that were cashed, changed the monthly mortgage amount three times and dropped my mortgagee provided homeowner 's policy after I submitted a claim, failed to provide my mortgagee provided homeowner 's policy information and payment details so that I can change it and confirm it is being paid correctly. Throughout this entire time I have spoken with the mortgagee customer service on the phone, over email and fax, as well as in person. They have not once offered clarification for their actions, costs, or how to cure my account. I believe I am currently in foreclosure and this belief is primarily due to third party solicitations I am receiving in the mail. I have been vigilantly documenting everything and following up with both the mortgagee on a monthly basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several collection accts that are not mine due to fraud XXXX and several credit inquiries that I did n't authorize but have been unable to have these iitems removed ... I have fraud alert on my report also police report number XXXX and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a police report to equifax stating inaccurate information on my credit report due to fraudulent activity. They returned the information as verified and belonging to me. The account is fraudulent and I didnt sign paperwork for the account of XXXX XXXX XXXX This continues to report on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX offered me a pay and delete offer in XXXX, in which I accepted and paid {$93.00} in XXXX XXXX. XXXX cashed the check on XXXX/XXXX/XXXX and as agreed in the settlement offer, they should have updated my account information with all XXXX credit agencies. Therefore, it was illegal and unlawful for XXXX to sale the debt to a collection agency. I sent letters to XXXX with prove of the agreement/contract from XXXX and all they did was send me XXXX home phone bills from XXXX. It still did not show that I owed XXXX anything. I do NOT owe XXXX the full amount of the debt because this debt was paid and settled with the original debtor.

Company response to consumer: Closed with explanation