BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$170000.00} XXXX XXXX XXXX XXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 non-monetary relief
Consumer complaint received 2016-11-02
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan on XX/XX/2016. Had appraisal ( which I realized latter came from a 3rd party company the lender owns ) which came back WAY to low. I filed a dispute, did research, comps etc. They had numerous errors in it, did not add upgrades, got addresses wrong, sq ft wrong. I continued to work with them since we were out the money and I was being assured everything looked fine. They sent me new disclosure with all the wrong info. Had to send back again, waited long time for updates. Not once did anyone mention my Small Business Loan may be an issue. XX/XX/XXXX, I myself was concerned so I contacted SBA. SBA said I had to get paperwork in so they could do a subordination agreement. Amerisave kept stringing this along, got my money, and now after 3 months & 3 weeks, they claim they ca n't lend to me. the reason was on an issue that should have been a red flag in the very beginning. I am out over {$500.00}, but that 's not the worst part. Because of how long they took, the interest rates are way higher! I have e-mails of all the errors, the apologies, the excuses. I believe the company is a scam and the fact that they are allowed to use their own 3rd party company for appraisal and Title & Escrow should be against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: PA
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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$170000.00} XXXX XXXX XXXX XXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Synchrony Bank and Verizon wireless induced me to apply for a card that was immediately rejected causeing harm to my credit rating.

This is any of a Synchrony Bank or Verizon or combination of the two mess up that encouraged me to apply for Verizon/Synchrony credit in lieu of my existing options.

The application was rejected and I used my existing option anyway to effect the transaction.

However, my credit rating was unnecessarily harmed.

When I called Synchrony Bank representative to erase the application, he refuse, washed his hands and said complain to the relevant authorities.

The Verizon/Synchrony Bank application number is 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 2017-02-03
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Applied for mortgage with quicken loans went through process to underwriting. Under writing has problem with my wife who has disputed a bill in collection because she does n't owe the money and actually they owe her money as there should have been a credit on the account. It has been partially resolved but not fully. Quicken loans wants her to remove the dispute and recalculate her credit score which will put her bellow the banks overlay credit score of XXXX. This is a made up score by the bank as there is no minimum credit score required under the harp program. Since the bank required the removal of dispute we would be in agreement provided we could pay the outstanding amount since it is only XXXX dollars and then restore the credit. The bank refuses as they want the score to go down not up. That is how they can kill the loan so they do n't have to refinance us. All this for XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
This is a new card we just got. I made two purchased on the card for around {$800.00} and {$700.00}. We have multiple accounts, and we typically move money over every time we pay a bill as to avoid fraud which has happened to us in the past. I made the mistake of telling my wife to pay on our Discover card {$800.00} and I meant to say {$700.00}. We did n't realize this was a problem until we received a notification from our bank in the mail. The next day I contacted Discover to tell them what happened and to make a payment. The customer service was rude and unwilling to help me. They said they closed my account because they thought it was fraud, and this will hit our credit. I explained this was an honest mistake and because of fraud we typically only move the amount we are paying over to the account. I told her I can make the payment by phone that day, and asked why they never notified us to tell us the payment was declining or to tell us they are closing our account. We never received a phone call, or notification by mail or anything. I called them when I got the notice form our bank. I do n't understand this type of customer service. I already made the payment to them, but I am dissatisfied that no one was willing to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For several months now, my mortgage holder, Chase, holds my payment checks drawing up the interest. There's no reason they should do this as I always send the mortgage payments via check a week or longer in advance. I feel they are doing this intentionally as I draw closer to paying off the mortgage to prevent me from paying it off sooner than later. 

I have had other issues with Chase like when I tried to refinance with them and they became uncooperative and almost impossible to contact during the process. This is for obvious reasons as my mortgage is at 6 % and they don't want to refinance it at a lower rate. 

I started noticing the delays in cashing my check several months ago and have written to them on a couple of occasions about the issue. They don't do anything and yet I'm seeing a charge for interest on my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had an account with XXXX XXXX that was supposed to be ineligible for overdrafts. When the first stimulus checks were sent out they closed my account because it had been overdrawn without my knowledge. I contacted them and was given the run around multiple times. Finally received a call saying they could not reopen my account and that I owed them money. I then opened a bank account at Bank of America and the same thing happened. They were second chance accounts which I understood could not be overdrawn for any reason but yet both of them allowed the transactions to process and then closed my account and refused to help me fix the problem. I still receive notices from Bank of America that are account statements even though I am unable to access the account information whatsoever. Now I am unable to open an account anywhere because of their reports of irresponsible use.

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 2017-05-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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 submitted a complaint  XXXX  against Chexsystems on     XXXX  17     Regarding an issue with  XXXX  being reported on my Chexsystems report. Chexsystems came back and said the issue was investigated and found to be factual.  <P/> I also have a complaint into   XXXX   XXXX   Regarding this matter also submitted on     XXXX    XXXX   XXXX  says they need more time and still ca n't pull up the information being reported to Chexsystems and need more time as of today   XX/XX/ 17   . I have Phoned   XXXX   XXXX    Directly How is it  that   XXXX   XXXX   Can not confirm this information to CFPB and me as of today 's date, however, Chexsystems has it all confirmed. and  XXXX  was able to give them the full information regarding my issue?  <P/> I believe Chexsystems is in Violation of the law and did not investigate the issue and just spit out an answer.

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 2015-11-30
Company: Alliance One, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We got a letter in the mail from this company called AllianceOne Receivables Management , Inc.. Their address is XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX. The letter states that my grandma, XXXX XXXX has violitions with the port authority of my & nj dating back to XX/XX/XXXX. Since she never paid the " violitions '' they sent it to AllianceOne to collect the debt. my grandma paid this debt that same day we received the letter, XX/XX/XXXX in full in the amount of {$290.00}. The reference number is XXXX and the contact number is XXXX. I called ezpass after she paid and logged onto the ezpass account website to look for these violations, but they were not there and the representative said that there were no such violations ever that AllianceOne reported. We would like our refund back from AllianceOne and to report them for fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
This is an UPDATE with new information. Pursuant to 15 USC 1692g, I requested a reinvestigation of my consumer report for accurate and fair reporting. I still have not been furnished with ORIGNIAL copies of my contract signed with my SIGNATURE on it. Instead, I have received statements, which does not indicated that those are my accounts. The company is in violation of 15 USC 1692g, as I, as the consumer, did not verify the accuracies. The " statements '' showed that the accounts are accurate. Who confirmed it? Only I as the consumer have the right to verify if an account is mine. I also requested no XXXX verifications. The company is also in direct violation of 15 USC 1681 because it states that FAIR AND ACCURATE reporting. Also according to 15 USC 1681i ( 5 ) ( A ), the information on my consumer report is supposed to be REMOVED if it is not verified. And only I as the consumer can verify the information, as I am the one who " signed '' the alleged contracts. Also pursuant to 15 USC 1681n, I am entitled to monetary compensation PER VIOLATION due to willful negligence of the company not properly responding to my request as a consumer. I WILL exercise my rights as a consumer and pursue the matter in court if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Synovus Bank
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was contacted by a fake number using my bank, Synovuses phone number. The scammer told me someone was making unauthorized transactions from my account. They asked for my username and password to my online banking and got in. After, the scammer sent themselves a total of {$7500.00} through XXXX. I called to make a fraud report and the bank neglected to shut down my XXXX account, so the day after they stole {$5000.00} they were able to get the other {$2500.00}. Filed a fraud report and it was denied by my bank and XXXX. Synovus says theres nothing they can do. I did NOT authorize these transactions or willingly send anyone money. I need to file through Regulation E to get my money back from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have logged previous complaints, reference # XXXX and XXXX. I signed my mortgage note in XX/XX/XXXX with XXXX, OCWEN purchased it in XXXX XXXX. In the note that I signed, there was no escrow, I was responsible for my property taxes and homeowner insurance. I have complied with the terms of my note to date. I pay my mortgage every month, I have paid property taxes and insurance. OCWEN has added charges and fees to my account that have nothing to do with my mortgage payment. In XX/XX/XXXX OCWEN stopped accepting my mortgage payments, every month I sent in what they returned plus the current month. After XXXX months, they accepted my payment in the amount of {$6900.00}. I requested a loan modification. The terms of the modification were XXXX % apr, account by law must be escrowed and at the end of the XXXX ( XXXX ) years a balloon payment of over {$38000.00} was due. When I stated that I would not accept those terms, OCWEN started returning my payments. The principal balance due on this loan is {$93000.00}. OCWEN states that pay off amount is {$100000.00}, the difference being {$10000.00}. Including XX/XX/XXXX 's mortgage payment, {$5400.00} is due leaving a balance of {$5000.00} which are charges and fees that have nothing to do with mortgage payments, OCWEN has initiated foreclosure proceedings. How is it that OCWEN can report to the credit bureau that my mortgage payments are behind when every month that I send in my payment, they return it unsubstantiated. My last payment of {$4600.00} for the months XX/XX/XXXX through XX/XX/XXXX was returned. In addition to returning mortgage payments, there are XXXX years of duplicate taxes with the county, the last installment for XX/XX/XXXX, OCWEN paid twice. I am requesting that the situation be investigated. I have adhered to the contractual commitment that I signed. I have paid my mortgage, property taxes and insurance as required. How is it that OCWEN can report negatively to the credit bureau and initiate foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have issues with XXXX XXXX XXXX popping up on my credit report. The Inquiries listed below must be Deleted since I did not Authorize the creditors to pull my credit nor did I authorize any creditor to hit me with a Hard Inquiry please conduct your investigation and DELETE any and all Hard Inquiries. I am not applying for any credit since I am looking to purchase a home in the near future. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX DC XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion

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 2022-02-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On numerous occasion I asked for written communication only. They call me and my family members repeatedly and use abusive communication tatics. I have still yet to receive my debt validation letter. Next step is to get an attorney and go after them for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX XXXX XXXX was paid off. 
XXXX USAA Bank XX/XX/XXXX automatic payment was taken out of my checking account for the amount of {$300.00} after the loan was satisfied. 

XX/XX/XXXX called USAA bank to see if I can get my money back. Still nothing. 

I called USAA on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about helping get back my {$300.00} back into my checking account and stoping the automatic payment from happing again. Also, about title for the car no help just the same thing over and over nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation