BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: SYNCHRONY FINANCIAL
State: NC
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:
Put a credit freeze on my credit report because i thought something was going on look at it and i see hard inquiries that i didnt make and i call them and ask where was they from and they said they cant verify or not so it stays on my report and thats not fair because i dont know any of those companies. Thats what happened when i got in contact with 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 2022-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
CAPITAL ONE XXXX has violated my rights to privacy 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Stellar Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hey my name is XXXX XXXX and I had items that report to my credit report that does n't belong to me. I have submitted documentation to each party that is involve : credit bureaus, creditor and collection agency. Still no one has resolve this issue. The account t listed below DO NOT BELONG TO ME!!! Account Name : Stellar Recovery Account # : XXXX Amount : {$440.00} Please remove this account immediately and send an updated report. If not I 'm will to submit another complaint if needed to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Continental Finance Company, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a call regarding an old credit from XX/XX/XXXX. I was told that they had gotten my name from the original collection agency and that they were representing this company - XXXX XXXX XXXX for {$730.00}. I told them I did not have this money to pay and was threatened with my bank account being frozen, loss of my driver license and arrest. I had been a victim of a scan last year and told them this was the case so I hung up. This morning, XX/XX/XXXX I called to see about paying the money in installments starting XX/XX/XXXX to which I was told I would have to at least pay part of the loan. I requested they send my this legal documentation by mail to which they refused stating they would send me the information by email. The woman I spoke to was once again threatening and she hung up on me. I am attempting to get this matter sorted out and would ask for your assistant

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: JPMORGAN CHASE & CO.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
JPMorgan Chase Bank , N.A . charged my checking account {$200.00} in overdraft fees ( XXXX {$34.00} fees ) during a two business day window where my account was overdrawn and funds I was wiring into the account had not cleared. These charges are excessive and unconscionable, and in two instances were several times the amount of the transaction that triggered the overdraft fee. The Chase representative, XXXX, refused to reverse the charges. 

XXXX cell : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-19
Company: BBVA FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On XX/XX/XXXX I was approved for a hardship with my credit card. My interest was lowered and a set minimum payment was put into effect on XX/XX/20. The bill for XXXX showed the old higher amount due. I paid the minimum due per the hardship agreement. This continued for months, each time I was informed the hardship amount was the correct amount and to disregard past due amounts. In late XXXX a delinquency was posted to the credit unions showing past due of the difference for over 30 days. I filed a complaint on all 3 credit unions and called BBVA again. On XX/XX/XXXX, XXXX in hardship found the problem and corrected it. However on XX/XX/XXXX, another delinquent amount was shown being over 30 days past due in the amount of {$0.00}. I have never been delinquent on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is reporting the same debt with XXXX collection agencies on my credit report which is against the law ( FCRA ). They are reporting it with a company called Diversified Consultants IN, account number XXXX and XXXX XXXX XXXX, account number XXXX. XXXX is trying to collect a debt in which I do not owe. I contacted the company explaining to them that they are charging me for 2 months of service when I had the service less than a month. I went to XXXX because they were one of the service providers that offered the discount for lifeline. The XXXX rep indicated that they can offer be a better service and did not provide my lifeline discount which was the reason I went to the company for lower rates which it did not pan out to be that way. I obtained the service with XXXX on XX/XX/XXXX or XX/XX/XXXX because I called in because the equipment had not arrived and I am sure they can check there records of that. I switched my service back to XXXX on XX/XX/XXXX which was less than a month of service. XXXX made an error and assigned me at new phone number which was XXXX. But, when I went back to XXXX they were supposed to port my original phone number that I had with XXXX then XXXX but they did not. I tried to explain to XXXX as the party I spoke to said that you had to use our services because you had to have the phone for the internet. I tried to explain, that they XXXX had already gave a new phone number so therefore all my services were active with XXXX and when I discovered they had not ported my old number like they were suppose too, they ported it in. But I asked for someone in management to explain I was not using their service from the date of XX/XX/2016, was told someone would contact me, never heard anything and now I discover they have the debt on my credit reports with the XXXX collection agencies which is against FCRA and are suppose to be deleted by law. I have had XXXX in the past and always paid my bill and never had a negative circumstance and extremely upset they would result to this unfairly,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: OneMain Finance Corporation
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i got my credit report from the three credit bureau and found there is three account that don't belong to me and a result of identity theft and fraud, two of these account is charge off account and one collection. these account are : 1- professional debt date opened XXXX amount : XXXX $ filing dispute for this account. 


2- ONEMAIN date opened : XX/XX/2018 amount : XXXX $ filing dispute for this account. 

XXXXXXXX XXXX XXXX XXXX date opened : XX/XX/2018 amount : XXXX $ filling dispute for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to apply for loan forgiveness programs since XX/XX/XXXX that I uploaded my first application. Uploaded second application in XX/XX/XXXX. On XX/XX/XXXX, I received a denial. I immediately uploaded the missing signature on XX/XX/XXXX and my paperwork was not reviewed but denied on XX/XX/XXXX. The October deadline is soon approaching. FedLoan has sold my loans to XXXX. I received documentation that XXXX should be servicing my loans by XX/XX/XXXX. They will not be servicing my loans until XX/XX/XXXX. I have tried calling FEDLOAN to see and get direction on what I am doing wrong, request a call back, they call me back and then transfer me to leave me on hold again sitting in que. It is IMPOSSIBLE to get someone to help me. 
I have been a XXXX for XXXX years, and have gone back to school several times during my career. How is it possible that I am going to be the only tenure XXXX that does not get assistance with loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Financial Corporation ( www.ocwen.com ) sold or merge with PHH MORTGAGE SERVICES ( XXXX ) XXXX or XXXX XXXX ; XXXX XXXX XXXX XXXX. XXXX, NJ XXXX PHH Mortgage Corporation is the subservicer of my loan, changed the terms of my agreement. My loan closes in XX/XX/XXXX because of the modification and PHH Mortgage change the terms of the modification after acquiring the mortgage on XX/XX/XXXX and went back to the original agreement which would make my loan close on XX/XX/XXXX.  Your Loan Started XX/XX/XXXX ; Your Loan Ends : XX/XX/XXXX ; Remaining Payments : XXXX ; Prepaid Principal : {$160000.00} ; Prior Yr Principal Paid : {$1800.00} '' Prior Yr Interest Paid : {$1600.00}. Out of my payment of {$810.00}, PHH Mortgage uses {$180.00} towards my principal ; Interest : {$220.00} ; Escrow : XXXX. Ocwen Loan Servicng & PHH Mortgage is scamming me. I need an investigation into both companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
To whom it may concern, A collector ( Midland Credit Management ) called my employer to reach me regarding a credit card debt. 

Date : XX/XX/2020 Amount : Not disclosed Action : Representative marked the call as solicitation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I did a wire transfer from Chase Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX account on XX/XX/2022. He did not received the money and days after I canceled the transfer an he canceled too, expenting XXXX XXXX  XXXX refund the money to my account. It does not happen, and I have more than two months contacting Chase Bank and XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX did not awnser Chase, and just respond to XXXX " the tranfer is pending ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been having a terrible experience with Fifth Third 's mortgage services. We were notified in the end of XXXX that we needed to increase our flood insurance on the property for which Fifth Third holds our mortgage. We contacted our insurance broker immediately and increased our coverage, and the insurance broker informed Fifth Third and sent proof of this coverage promptly. However, Fifth Third continued to overcharge us each month. Our insurance broker called the company multiple times to correct our escrow. In all, we were charged more than {$2000.00} over what we should have paid during this time. 

I called them on XX/XX/XXXX to resolve this issue on the phone. They agreed that our flood insurance did indeed meet their criteria and that we would be refunded the overage, and our monthly payments would go back to the normal amount. They did send us the money back and reduced our monthly payments. 

Then - once again- on XX/XX/XXXX we received yet another letter and escrow statement indicating that Fifth Third would be increasing our escrow again, due to a gap in our flood insurance. So I had to call the customer service line again. Their escrow department said that they didn't send that letter and that everything looked fine on their end, so they transferred me to the main customer service line. The customer service department said that we needed to provide proof of sufficient flood insurance and needed to pay the increase amount. When I said that they had all the documentation they needed - and in fact their escrow department had just told me that our coverage was sufficient- they transferred me back to the escrow department. That person had to go check with some other part of the organization on why the flood coverage wasn't sufficient. 

The escrow department then told me that under Federal regulations they had to escrow my flood insurance. I told them that this could not be true, that was illegal as far as I knew. So she sent me to her supervisor. When I asked what Federal Regulation required this, the supervisor said that she hadn't told me that and needed to do more research. So she put me back on hold. As I submit this, I am still on hold and this matter is still unresolved. 

Fifth Third is either doing this on purpose ( in order to make extra money on the cash ) or their systems are not functioning properly. Either way, it's not acceptable to continually ask us to pay a lot more money monthly than we should be paying, then make us sit on endless phone calls that go around and around in order to get it fixed. The addition of telling me that it was a Federal Regulation was very concerning. I have no idea how many other people they are doing this to, so I'm writing this to try to prevent this from happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
The short sale was approved by Chase on XX/XX/XXXX. Settlement was scheduled originally for XX/XX/XXXX. The documents were submitted to Chase for HUD approval on XX/XX/XXXX. The closer did not respond or even review the documents until the day before settlement ( XX/XX/XXXX ). Upon reviewing the information the closer advised that he could not get HUD approval in time for settlement and that he was backed up on other HUD approvals. He advised we reschedule settlement for the XX/XX/XXXX or XX/XX/XXXX. 

Settlement was rescheduled for the XX/XX/XXXX, ( today ). The HUD approval documents were resubmitted the morning of XX/XX/XXXX, giving a full 3 business days for review and approval as instructed in the short sale approval letter. HUD approval has still not been issued. In speaking with the Chase escalations department, there is nothing they can do and several files are backed up. I was advised to cancel settlement and wait for a response from the short sale department. 

The short sale approval letter expires tomorrow. Chase is not handling this file properly and we are going to lose a buyer. This home will end up in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This 3rd party collector deleted this information from my credit report and then reported as a new debt. Lowered my credit score on XXXX or the XXXX major credit reporting companies, and has me looking like I dont pay my debt. I am attempting to land employment, this is hurting my chances of doing so with the negative information reporting. This violates my HIPPA righta nd I have NEVER EVER given consent to be prayed upon by this company. I DO NOT OWE STATE COLLECTION SERVICE A DIME. I have sent count less validation and dispute letters, now they re-insert this on my credit. I can not believe this please help [

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: TCF NATIONAL BANK
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
An Auto loan was opened in my name with Gateway One XX/XX/2016. My identity was stolen and used to purchase a vehicle. I was not employed at the time, nor did I live at the address that isXXXX in the contract. After doing my own investigation I learned the vehicle was purchased from XXXX located in XXXX, Mo.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account does not belong to me and is being reported on my account. I want to have it removed.

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 2020-11-04
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: Account information incorrect

Complaint:
i called to pay this and told collection company i wil pay but they must remove from credit report before i pay they said the will call original creditor and verify and they called me back and said they will remove it but they never did after i paid it

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 2017-08-30
Company: LEXISNEXIS
State: TN
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:
XXXX XXXX was hired less than 3mos ago for 9mos stretch.some items removed ... other inconsistently across all three major bureaus.THis is a fcra violation. 

recently I have sent all 3 demand for dispute multiple times. Certified mail, uncertified mail, email, FAX ... etc. I am lied to my face about if certified mail has been sent with the hard card and USPS mailing card in my hands. 

My files remain uncorrected. creditor contacted take sweet time in getting back to me beyond 30 day limit and then begin to make claim that debts are accurate after extorting me for over 12 mos. This said, XXXX XXXX was on retainer last year for around 9mos until I discovered they were scamming me. debt collections should have ceased, irregardless if anything was filed w the courthouse. If I must, I will hire another attorney to do it again and I will pay cash. The problem is the bureaus repeated refusal and noncompliance. They make claims yet are unsupported by evidence NOT sent to me, and supported by the FCRA itself which nobody at any bureau has bothered to read. I have skimmed the entire document in full looking for violations and found over 10 per credit bureau over the past 10 years. accounts I demanded removed ( XX/XX/XXXX )  repeatedly mo after mo I am sent and they are still there. accounts are " confirmed '' w no evidence as to HOW sent to me.
I am repeatedly asked for my blood type each ( week now ) time I dispute anything w anyone and then the reply is DENIED, INCOMPLETE, YOU ARENT YOU and YOU DONT LIVE THERE..or my files are changed behind my back wo my permission.I have had unlawful freezes multiple times in the past I did not authorize. bureaus are now refusing to freeze my files. my online access has been denied and locked up " in investigations '' that take years to unlock. 

FINAL NOTICE BEFORE SUMMONS of ENTIRE COMPANIES before XXXX COUNTY JUDGE for non-compliance. I HAVE INCHES OF PAPERWORK -- I had years worth in XXXX XXXX that got stolen.I had loads more last year. Law firms such as listed online refuse my case even though I have one against the bureau and then run thier mouth at me for reasserting my valid claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Blackhawk Network Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Prepaid card was purchased on XX/XX/21 and was not used. Funds were kept by bank at expiration of the card. My card has expired but the funds have not and should be returned. 

Transaction details below from OmniCard : DATE MERCHANT TYPE STATUS AMOUNT BALANCE XXXX XXXX N/A Sweep Funds ( Breakage ) - Expired Card/Closed Account Posted $ XXXX {$0.00} XXXX XXXX XXXX XXXX Value Load -- Activation Posted {$50.00} {$50.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am writing to dispute the way that a SANTANDER CONSUMER USA account is being listed on my credit report. They are showing a charge off on my XXXX credit report that should not be there. Santander was ordered to remove the listing from my credit report as part of the Attorney General XXXX of XXXX Over {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Deceptive Auto Loan Practices. 

I have tried and waited patiently in the dispute process. I have made numerous calls to Santander, where customer service has mentioned to me that they have nothing on file which would cause this to be on my credit report. The credit bureaus continue to report the charge off and show a on record report till XXXX. At this point there should be no mention of this on my credit report at all. Santander continues to harm me financially by not removing this clear violation of a court order off my credit report.

Company response to consumer: Closed with explanation