BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: Experian Information Solutions 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:
Hello, I ordered a new XXXX XXXX XXXX on the manufacturer 's website on XX/XX/XXXX. I was presented with a {$60000.00} 2.49 % loan offer from XXXX XXXX Bank on the same day, but did not sign any loan documents. Vehicle delivery was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX I went to the XXXX dealership location ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to pick up the car. Unfortunately the car was physically damaged and had several error notices showing up on the main screen. I spoke with a XXXX representative ( XXXX ) and he told me in his experience this was not normal. I told XXXX that I would reject delivery. XXXX told me that this would not be a problem and that XXXX would cancel the order, have a new car/VIN allocated for me to be delivered at a later time. 

XXXX does NOT allow future owners to inspect the interior of the car and/or the software/computer inside the car before signing the documentation, therefore I was forced to sign their paperwork prior to completing my inspection of the vehicle. I asked XXXX if this would be a problem after I rejected delivery, he said no. He promised me orally and subsequently via text that my deposit ( {$8700.00} ) would be refunded shortly, that the documents would be cancelled and that a new car will be ordered. 

On XX/XX/XXXX I received a notification from Experian that a new lien was added to my credit report. This was the XXXX XXXX Bank loan for {$60000.00} that I never accepted because I rejected delivery of the vehicle. I reached out to XXXX immediately and asked him why my credit report was showing this loan. He told me that XXXX 's systems showed the loan contract as voided, that he followed up with XXXX 's financing team to confirm and that my deposit would be refunded within 30 days. I never heard back from XXXX. 

On XX/XX/XXXX a XXXX XXXX Bank employee reached out to me to let me know that that loan was showing as due in their systems and that I needed to start paying. I explained the situation to him and asked him to reach out to XXXX to confirm that the loan was voided/cancelled and that XXXX kept the car. I reached out to XXXX again and asked for some sort of resolution, but I never heard back from him. 

I filed a dispute with Experian and today the dispute was " resolved '', but the loan remains on my credit report. I have tried getting XXXX 's help on this matter multiple times, but time and again they refuse to do anything to solve this issue. 

I attach the communication I have had with XXXX for the past few months.

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 2016-06-14
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen has made my experience with them terrible. I went from a 2.99 interest rate and out of know where it increased to 6.74 %. I have tried to refinance my rental property with my bank but due to the property not worth what I purchased it for I do not have enough equity in the property. Ocwen talked me through trying to get a modification this process took six months and I received a denial. A 6.74 they have me trapped in is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX and XXXX XXXX my Coinbase account was hacked and money through it was siphoned to purchase unauthorised crypto currencies for XXXX $ I opened ticket with coinbase to immediately freeze the transactions on XXXX XXXX only but they never responded back. 

I opened another ticket with them after my money was gone from the bank to buy BTC in Coinbase to which they responded my account has been fronzen and any crypto transactions can not be reverted. 

Since then I have not heard another response back from them despite for mailing them several times, neither I can access my online account. 

The email id associated with the Coinbase was XXXX I want my access back and the unauthorized transactions to be reverted if any else the equal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: EQUIFAX, INC.
State: MD
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 mailed a certified dispute letter to Equifax, and XXXX, asking them to valid that the account they are reporting is reporting accurate information on my credit report. Both Equifax and XXXX  mailed me a letter stating all on the information on my credit reported was accurate, however, as you will see on my attach file the reporting information is inaccurate and inconsistent. The date of last payment is inconsistent and inaccurate, along with the date of last active, and comment section says two different reason for account delinquency, which is miss leading and deceptive. I've made attempts to get in contact with XXXX XXXX XXXX to resolve the correct amount owe and to dispute the inaccurate information reported, but still have not gotten a response. If this matter does not get resolved, I am looking to file civil suit because this clearly violate the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Care Credit from Symphony Bank closed my account. I have had the account for more than XXXX years and there was no balance on the account. I received no explanation and the customer service line was not helpful at all.

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 2016-04-07
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
In XXXX XXXX, I had a XXXX XXXX. Subsequently, in XXXX XXXX my business failed. I had a large number of credit cards. and all worked-out five year repayment arrangements except my Discover business credit card, on which I subsequently defaulted. I was told that Discover would not work out repayment until it became a " charge-off. '' I am writing to DISPUTE the manner in which XXXX, XXXX and XXXX are reporting the " Charge-Off '' by Discover Card. I have been making payments of {$200.00} per month since XXXX XXXX -- - nearly THREE YEARS. Yet it appears that it is being reported and scored basically the same as if I was making no payments at all during this time period. There is something inherently unfair in the manner in which XXXX, XXXX and XXXX are reporting, and scoring, this debt. The failure by the credit reporting agencies to report my monthly payments, and adjust my credit score to reflect my good faith efforts to repay this debt, is a VIOLATION OF THE FAIR CREDIT REPORTING ACT, as the information which these agencies do choose to utilize is both inaccurate and incomplete under the meaning of FCRA. 

I am being substantially harmed by this greatly inflated negative information on my credit report. In Florida, where I live, credit scores are used by condo associations to EXCLUDE buyers from purchasing condos. I can not find an affordable place to live because of this negative information and its effect on my credit scores. 

I do understand why Discover chooses to report in this manner, as it provides them leverage to attempt to accelerate repayment arrangements. I know this because Discover has contacted me repeatedly to pay more so my credit report will improve. But my making monthly payments for almost three years is not equivalent to a " charge-off '' where the creditor has given-up the expectation of any repayment. And, therefore, XXXX XXXX and XXXX reporting is both inaccurate and incomplete. The {$200.00} monthly payments to Discover Card per my written agreement with Discover Card should be reported the same as monthly payments for any other credit card. Once I began monthly payments, this debt to Discover Card was no longer " charged-off. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
My vehicle was vandalized twice and on each occasion, personal information was stolen from my car. I have filed police reports and added extended fraud alerts on my credit by I continue receiving alerts that my information appeared on the dark web and/or inquiries appear on my credit report which I did not authorize. I have disputed this directly with the credit requestors along with XXXX but the inquiries have not been removed. 
The unauthorized inquirers are : Barclays Bank Delaware on XX/XX/22 XXXX XXXX XXXX on XX/XX/22 XXXX XXXX on XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/22

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: DISCOVER BANK
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Discover Bank instead of completing an investigation is engaging in illegal retaliatory tactics and trying to punish me and I would guess other consumers as well for exercising rights under FCRA, this account information is older than 7 years old, Discover also illegal allowed me under XXXX to open this account and gave me a credit limit they were very well aware that I would not be able to afford paying back. I am XXXX XXXX XXXX and this account is older than 7 years, if I still need to be held accountable for this maybe we should also go back 7 years and investigate why Discover thought it was appropriate to give an XXXX XXXX XXXX still in XXXX XXXX a credit limit of {$1000.00}. I have filed a complaint at XXXX XXXX XXXX as well as they are now making my credit scores drop with their predatory practices. There is no outstanding balance on this account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Bread Financial Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
borrowed {$7000.00} with paypal credit acct # XXXX. It was a no interest 6 month loan. I sent full payment XX/XX/XXXX. There were XXXX checks enclosed in the payment envelope. I called paypal credit before the due date and told them I was mailing checks as payment. They told me it takes over 30 days to process physical checks. I told them that they were mailed. Mid XX/XX/XXXX received a statement that showed over XXXX of added interest. I called and I reviewed the account and the received payments. They were {$90.00} short on the {$7000.00} payments which was one of the checks enclosed. I faxed them copies of all the checks and they said they would correct it. The {$90.00} check was never cashed, they just lost it. XX/XX/XXXX they are now telling me they ca n't reverse the added interest of over {$900.00}. They are claiming that I paid late XX/XX/XXXX. We had another account under my wife 's name that was mailed on same day with 4 checks for payment and that account was processed properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian has thus far refused to remove from my credit report a debt collection attempt by XXXX XXXX XXXX ( a debt collector ). XXXX XXXX XXXX is attempting to collect on a XX/XX/XXXXXXXX account that was fraudulently opened in my name.XX/XX/XXXXXXXX has acknowledged that the debt is fraudulent and is no longer attempting to collect. I have provided Experian with the police report documenting the fraud, the FTC complaint number, and a letter from XX/XX/XXXX acknowledging that the debt is fraudulent and ceasing collection activity. Regardless, Experian has kept the " bad debt '' on my credit report. The results of their investigation continue to be " pending ''. Upon contacting Experian via telephone, I was informed they were in receipt of these documents but there was " nothing that could be done '' about the status of my 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 2015-09-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home with 5th/3rd Bank. The mortgage was to include escrow and taxes. After the loan closed I attempted to cancel my automatic withdrawal for my homeowner 's insurance. I was advised a balance of {$970.00} remained and would continue to be deducted monthly through XXXX. The bank 's explanation is that they did not receive the full attachment sent by my insurance agent indicating a balance remained. The agent has proven to me that he sent the full attachment and that 5th/3rd Bank did not contact them when they received only XXXX page, therefore my XXXX statement was inaccurate as it did not address the remaining balance owed for my homeowner 's coverage. 
I believed, in good faith, that they had collected the correct information and that the disclosed escrow amount took into consideration my current balance. 5th/3rd is at fault for not determining the balance due on my homeowner 's insurance. When I asked them to rectify this after the loan closed they would not recalculate the escrow to make it correct. Thus, for the next 6 months I will be paying an additional {$160.00} per month for insurance. This was not the deal I made with 5th/3rd and poses a financial hardship for me. Through no fault of mine, I will be financially strapped to make this additional payment through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the USDOE/XXXX  partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX  ; XXXX and Transunion and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-03-03
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the USDOE/XXXX partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX  ; Experian and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: Home Point Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from Home Point Financial Corporation to XXXX XXXX XXXX with a first payment due XXXX XX/XX/2022. The letter informing me of the change in lender was dated XXXX XX/XX/2022. I did not receive the letter until XXXX XX/XX/2022 because I was away from home. The letter lacked detail and simply stated I should send my payment to a XXXX XXXX XXXX To be honest it looked like a scam. 

When I contacted XXXX XXXX, they stated that the loan had not been transferred until XXXX XX/XX/2022. XXXX days after the payment was due. Due to this delay, XXXX XXXX had not sent a welcome letter to me regarding how to place payment. The web page for XXXX XXXX states that my payment is late despite my inability to post payment. They did tell me that this should have no effect on my credit rating. I have XXXX complaints : XXXX ) A lack of communication from XXXX XXXX, giving me less than 30 days notice that my loan was transferred. 
XXXX ) A lack of timeliness in transferring my account to the new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I tried to send {$2500.00} through money gram, and they put it on hold. Now I need the money back to pay bills

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I have applied for HARP Refinance with BMO Harris Bank. I was told you are eligible for HARP Refinance by Loan Officer. And gave me closing cost around {$1100.00} and 3.75 % 20 year. But Bank processed my application as conventional loan. And in closing statement they charge huge amount of money. I did n't close my refinance loan. I asked for refund {$490.00} which they charge for deposit but no response from 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 2022-07-07
Company: Army and Air Force Exchange Service
State: NJ
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 a Fair credit reporting act [ MILITARYSTAR XXXX. # XXXX ] has violated my rights. 

THIS HAPPENED IN THE MONTHS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 USC 1681 section 602 states, that I have the right to privacy. 

15 USC 1681 section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat the payment on a credit card account or mortgage account under an open-end consumer credit plan as late for any purpose.

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 2022-02-25
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX made unauthorized charges for XXXX XXXX to my name in XX/XX/2021, when I called to multiple times and finally getting through to customer services to have this resolved. I was told to either pay the bill or wait for it to go to collections and ruin your credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, 2016 To whom it may Concern : I, am stating I sent Ocwen Loan Servicing , LLC a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and Ocwen responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. 


Thank you,

Company response to consumer: Closed with explanation