BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-21
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XX/XX/XXXX Received a call at home phone insisting we pay a Discover credit card debt from XX/XX/XXXX for {$4100.00} which he would reduce to {$1700.00} if we paid today. We asked to mail us proof said it would be {$7.00} per page at XXXX pages. He said he did not have to prove we owed the debt, we had to prove we did n't and if we did not pay before today he would have my husband served papers indicating Docket # XXXX. Threatened judgement with a lien against my husband 's XXXX Ford Thunderbird. Represented himself from XXXX XXXX XXXX XXXX Attorney Firm in Florida. His name XXXX XXXX XXXX and XXXX. Called the next day and gave all the same information to my ill sister we just recently moved in with us and a message to give to me saying if I did n't call back today with {$1700.00} it would be too late and legal action would be filed. I went home from work to call him back because I did not want him having my work number or cell number. I asked him to notify us by us mail. He asked for my email, to which I replied US mail only please. He said " so you want to play that game. '' Tried to talk over me and would not have a professional respectful conversation. I asked him to not call my home again. I told him he broke the law by sharing debt collection information with my sister. I told him as a third party collector he could not call my home everyday. He stated he was not a third party collector, he was with an Attorney Firm. He said " You just blew it because your sister was going to pay this for you ; '' He lied. I told him I called the Ohio Attorney General 's office today to file a compliant. He stated the Attorney General could not do anything to him because they do n't know anything about his business and they had no jurisdiction over him. He told me my new husband was going to ruin my credit because in Ohio I was responsible for this debt even though it was before we were married. I told him to never call our home again. He refused to disclose verification of the debt. He made false statements. He threaten legal action. He refused to give me his address for written communication. He clearly made it known he was above the law and no respect or fear of violating it. I am taking this step because I am a reasonably smart business woman and he was able rattle me. He could easily scam or cause a weaker person dangerous physical stress. Here 's the bottom line. We have good credit. The debt is not reported on my husband 's credit bureau. If he owes it we would pay it but we are not going to give a random person any personal information over the phone. Please advise to what steps I can take to stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: MA
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: Problem getting your free annual credit report

Complaint:
I tried to access my Experian free annual credit report on XX/XX/2020 and XX/XX/2020. I am unable to receive my free annual credit report online. Both times, I received the following error message. 

" A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. '' This message is too vague and I do not have the option to work with Experian to research or resolve the " condition ''. There is no contact information such as a phone number, email address, or mailing address. 

I had no issues obtaining my credit report from the other two agencies.

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 2020-06-10
Company: ID Analytics, Inc.
State: OH
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 have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX* MY NAME IS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions 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:
I am a Victims of Identity Theft. I Never Authorize this Account I want This Account Removed From my Credit

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 2016-03-12
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer, Ocwen, has flagged my account for the next six months as to only accepting payment in certified funds. This action was due to XXXX insufficient funds transactions within the last six months. No warning was issued or notification of this policy given. Speaking with their customer service is unnecessarily burdensome with multiple account verification at each step, so much so as to suggest a deterrent and not professionalism. I 've been contacted at work numerous times to the point where I requested a note be put on the account for contact after XXXX. Speaking with an " escalation manager '' only resulted in additional frustration. After missing his return call due to being on another line I was unable to reach him that night after numerous attempts. A week later he got back with me and although he called me at my listed phone number he insisted on account verification and was unwilling to shorten the process even after I had identified myself. I do n't consider that customer service, the cumbersome and repeated verifications within their system forces a 10 minute call into 20 minutes. Their policies discourage contact, they institute them without warnings and attempt to harass with phone calls at strategic intervals.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
During the Corona Virus Pandemic, I was unable to make my payments by phone, or store. Kept stating it was closed. When I finally got someone on the phone in XXXX, supervisor state she would fix everything and reinstate my credit card and credit report if I would fill out a government form stating I was affected by the Pandemic? So I did! 
I also made a payment of {$100.00}. 
Well after I did as they asked, they reported me to all three credit reports companies as 90 days Late, delinquent, and in collections!!! 
As of today, my credit report Dropped 320 puts.!!! My credit report shows XXXX!!! I am so embarrassed. 
Synchrony bank never fixed or corrected my credit report as promised. Never fixed my line of credit either! 
I feel I was discriminated against, taken advantage of, and given False Information so  the bank could collect money from the government due to the Pandemic!!! 
Please help me and stop them from frauding the government and my rights per Credit Reporting.

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 2021-04-21
Company: Experian Information Solutions Inc.
State: MT
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:
In XX/XX/XXXX I applied to XXXX XXXX for a forebearance due to covid19 situation which affected my income. 
I was assured no negative marks would be reported to my credit and that it would not affect my credit in any way. 
I was making partial payments along the way from XXXX XXXX. 
In XX/XX/XXXX I notified XXXX XXXX that I had started earning income again and wanted to start making regular payments at which time they approved a loan modification but did not reduce my 6.875 % interest rate. 
Instead, the tacked on the interest payments I was behind on and my payment went UP instead of down. 
They delayed in sending out my loan modification package for 2.5 months. I did not receive the package until XX/XX/XXXX, after several phone calls I made to remind them I was still waiting on the package. 
I signed the modification and made my first high payment in XX/XX/XXXX and have not been late since. 
In XXXX of XXXX I applied for a refinance with another lender so that I could reduce my 6.875 % rate to 4 %. To my surprise my credit report shows that I did not make any payments at all from XX/XX/XXXX through XX/XX/XXXX. I then asked XXXX to make this right and fix my credit file AND to fill out a VOM ( verification of mortgage ). I called for 3 weeks until I finally received this form ( see attached ). They reported I am delinquent and have multiple late payments. 
This has ruined my chances of getting a lower payment as I was approved for a 4 % rate subject to XXXX providing a satisfactory VOM. 
This is not what they promised and I can not afford this high rate of 6.875 %. I don't want to lose my home. 
Please help me resolve this by getting the VOM to reflect the account is in good standing and there are no late payments. 
Thank you. 
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 2015-05-21
Company: M&T BANK CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have been scheduling our mortgage payment through our bank ( XXXX XXXX for scheduled payment prior to the due date each month. For XXXX out of the last XXXX months M & T has failed to cash our check in a timely manner and has blamed us for the late payment. They have charged us late fees and refused to remove them XXXX even when we have offered to take a picture of our XXXX account information showing the payment was debited from our account in timely manner ). We believe they have unethical practices and are just trying to cash payments late or say they " lost '' payments in an effort to make more money and collect late fees. They have even gone so for as to have there " mortgage assistance and debt collection '' department call me at work. This is beyond unconscionable. I have never been late with a payment and have never had trouble with making online bill payments with any other payee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XXXX or XXXX of 2018, I called the creditor to inquire on the expiration of the no interest promotion period as I was aware that the expiration was approaching. During that call I asked for an extension and the customer service representative told me that he would extend the no interest promotion for an additional 18 months. The conversation went on for about 5-10 minutes and when it ended I relied on the creditors indication that I didn't have to worry about paying the full balance, which was at that time no more that {$270.00}, in order to avoid a high amount of interest. All my payments since then have been timely taken from my account on auto pay. However, recently I noticed that the balance remains high although I pay {$76.00} per month. I've made one more purchase since then but not enough to keep my balance so high. Because of the shelter at home orders, I had time to call the creditor to inquire. I was told that the extension was never applied and the creditor added a significant amount of interest to my account since XX/XX/2018. The creditor told me that the call with the previous agent I spoke with in XXXX was recorded and they would listen to it to confirm what I was told. I was certain this would resolve because I was in fact told this by previous agent, but the creditor is denying that I was promised an extension. I relied on the promised extension, otherwise I would have paid off the then approximately {$270.00} to avoid the bulk of interest. I was deceived and am now paying unnecessary interest on this account.

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 2021-11-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX XXXX XXXX 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 accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: GA
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 do not recognize the following inquires or give permission for these companies to run my credit for the following Company : XXXX  Inquiry date : XX/XX/2022 Company : XXXX XXXX Inquiry date : XX/XX/2022 Company : XXXX XXXX XXXX : XX/XX/2022 Company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022

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 2022-05-14
Company: Credit Control, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Reference number XXXX. I received a written communication in the mails from Credit Control , LLC on XX/XX/2022. Pursuant to 15 USC 1692c, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any alleged debt. Also, on the communication, Credit Control , LLC failed to state that it was attempting to collect a debt which is a violation of 15 USC 1692e.

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 2020-06-10
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Fraud scratch account in Experian credit 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 2021-11-18
Company: PNC Bank N.A.
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: Information belongs to someone else

Complaint:
These accounts are not mine and are affecting my credit report. 

PNC BANK Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello. I 've been a victim of Transunion 's inquiry issue. I called their customer service but they were not helpful at all. I would like to see if the following inquiries could please be removed from my report : XXXX - XXXX/XXXX/16 St. XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 Thank you so much for looking into this for me! 

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 2015-09-04
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card
Issue: Delinquent account

Complaint:
Wells fargo furniture reported me late. I have made payments however they have discontinued my ability to make payments online. Every payment I made they returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
Following up on unresolved complaint XXXX. The previous response addressed by TransferWise was the wrong transaction, I am referring to the transaction # XXXX. 


I locked in my rate to transfer from USD to XXXX to support my brothers XXXX XXXX struggling in XXXX with TransferWise. Consistent with previous transfers, I was informed I had 24 hours to send the money. I received a message that my transfer had been canceled without consulting me ( within 12 hours of locking it in ) because the rate had changed. Disappointed is an understatement. Its evident the only reason they cancelled my transfer was due to the fact that I had locked in the transfer at a good rate and that subsequent changes in the dollar were more favourable to TransferWise. As a foreign exchange business surely its a business practice to hedge rather than arbitrarily cancel customers transfers. How on earth can customers trust this business? This affects people, their families and their businesses. On top of this, they are choosing to engage in shady cancellations during one of the most tumultuous and stressful times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- PERSONAL ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.

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 2015-07-10
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern, I disputed more than XXXX times on the phone regarding your request HO-6 insurance and escalated the insurance coverage certificate that I provided but your insurance team and servicing keep ping pong the issue each other and ignoring my proof insurance documents that the original mortgage company already accepted. My insurance agent told me that should cover the mortgage lender requirement based on the XXXX guide line. It covers Walls-In and I do n't have any improvements in the house so the current insurance certificate should be good enough as attached. 
I discussed XXXX ( loan servicing manager ), XXXX ( insurance supervisor ), XXXX ... but they just sent me letter saying that they will purchase the expensive insurance {$730.00} and will pass it to me which is not fair and very frustrated. 
I also have XXXX more investment houses in the same complex ( XXXX HOA ) with other lenders such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX but they never complained the HOA insurance certificate and never request HO-6 to me since this is a investment rental house. HO-6 insurance is for the primary resident homeowner not for investment homeowner according to the insurance agent. Please contact my insurance agent at XXXX any further question. 
If you have any question, please email me at XXXXXXXXXXXX or call me at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation