BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: NEW YORK COMMUNITY BANCORP INC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm being charged an inspection fee when I shouldn't be. The company is saying they can't waive the fee because it is a 3rd party fee. 

The story behind it is I bought me home on XX/XX/2022. I made a payment on with my previous loan servicing provider on XX/XX/XXXX and on XX/XX/XXXX my loan was transferred to current loan provider, Flagstar. Flagstar lost the original payment I made with my previous provider they were not able to recover it from the previous provider until XX/XX/XXXX. When they were waiting for the payment from my previous provider in XXXX they suspend all the payments I made to them XXXX. This kicked off an automatic system that had someone come to my house and see if the house was being lived in. I was home almost the entire day that day, but they I never had anyone ring my doorbell. 

I contacted flagstar about this insepction fee on my bill and they said they can't waive even though I was current on mortgage payment.

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 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I filed a complaint with the Consumer financial protection bureau regarding incorrect reporting in my credit report. Transunion has not yet finished my Dispute with XXXXXXXX XXXX XXXXXXXX. However as of XX/XX/XXXX my credit score has decreased from XXXX to now XXXX in less than one month after my file dispute. Nothing in my credit report has changed and my payment history is currently exceptional with no missed payments or new hard inquiry. The only missed payments are the incorrect data from XXXX XXXX back in XXXX which is currently unchanged or corrected regarding my dispute with Transunion. How can my credit report decrease XXXX points when nothing has changed with my credit report? The other credit reporting agency 's credit score has not changed regarding my dispute with XXXXXXXX XXXX XXXX that is much higher than my recent decreased credit score with Transuion.The previous dispute information is below with attachments. 




I made Payments On the loan on XXXX and XX/XX/XXXX and XXXX XXXX reported it as late non payments which is false. XX/XX/XXXX XXXX XXXX Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). XXXX XXXX never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from XXXX XXXX to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. XXXX XXXX dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with XXXX XXXX. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by XXXX XXXX is adversely affecting 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 explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable public record that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this public record. 

Bankruptcy XXXX XXXX Date Filed XX/XX/2020 XXXX 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 2023-06-02
Company: Self Financial Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good Afternoon, I signed up for Self in XX/XX/XXXX and i have made every payment on time. 
My credit usage may be high at times because i am un employed yet i always get it back normal right on time. On XX/XX/XXXX I attempted to pay my monthly card bill which was attached to my Prepaid card but it failed because i had no funds on. I simply added funds in less that 2 mins and then paid. 

XX/XX/XXXX same thing I had money on my card but processed it with my bank. I simply voided it and paid it in less than 3 mins. 

On Wednesday XX/XX/XXXX at XXXX Eastern time, i received an email saying my account was in the process of being closed by XXXX XXXX  and if i did not request closure to contact self credit builder as soon as possible. 

Now with receiving an email after hours there would be no way to reach them, so i made a claim and called the next day only to be told they would escalate and my account was already processed. On XX/XX/XXXX i receive an email which is dated XX/XX/XXXX and it's telling me that my account was closed due to suspicious activity. 
For transparency i have very if not any credit history and was building some by utilizing my card, my grip is this will almost absolutely hurt my credit and there is nothing i can do about it. 
I read that they normally do this if they feel your info has either been compromised or the account holder is engaging in fraudelant activity where in my case i've done neither. 
I'd really like some attention to this matter please because if this is what they do then this absolutely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: NY
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:
In XX/XX/2020 I discovered that my identity had been stolen. Upon reviewing my credit report, I found that there was a charged off credit card. 

I reached out to the credit bureaus to notify them that my identity had been stolen by sending a letter, a police report, filing a complaint with the FTC, and sending a FTC affidavit to all three credit bureaus. All three denied removing the account because they claimed the account was verified by the creditor. None of them gave me an explanation as to why they would not block it nor how they came to the conclusion that it was verified. 

I reached out directly to the creditor and sent the same information letting them know that I had been a victim of identity theft and they refused to remove the account stating that it had been verified. I requested that the provide physical proof of a contract with my signature showing that the debt was mine and show me the method they used to verify the debt but the disregarded my claim. Instead they sent a letter plainly stating that the account was verified. 

Lastly, I followed up with a Notice to Furnishers of Information letting them know that they are only able to report accurate information and must remove the account if it is fraudulent. They again disregarded my claim and have continued to report the account as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Student Loan Care, LLC
State: AL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is XXXX XXXX I have been dealing with XXXX XXXX and now have Student Loan Care llc contacting me from XXXX XXXX XXXX to say I 'm passed due and need to pay XXXX $ or my account will cancel. Once cancelled they will have to report XXXX $ on my credit that I will have to pay back. I consolidated my student loans a few months back in XXXX 2017 and did n't realize this company was n't in charge of my real student loans just the " interests '' and would help with my total amount. I signed a document for them to get auto payments until they had 3 payments of XXXX. Now that my bank has stopped payments when I found out I 'm getting calls like this ... <P/><P/>Hi this message is for XXXX XXXX my name is XXXX calling from sitting OK I a.m. calling in regards to a notification received by _____. Since it looks like you have missed ___ see payments your account balance with them is {$130.00} if payment is not received by tomorrow Friday XX/XX/XXXX your account will be place of the charge off with that means is that the account will be canceled. Since I would be marked um and negative on your credit report and you would have XXXX full him some of the {$1400.00} and one of them um you can please give me a call back at XXXX that is my direct line or you can send a response to the email or text message talk to you then bye-bye They are also texting me back after my bank stopped their automatic payments. XXXX who handle my student loans said twice that they were not a real company and nothing I pay them goes to my student loans and that I Was scammed. The number texting me was XXXX XXXX XXXX ... <P/><P/><P/><P/>1 ) Your account with XXXX XXXX has become past due. To avoid additional fees please give me a call within 24 hours at XXXX. Failure to r 2 ) espond with 24 hours, may result in negative credit and suspension of your enrollment with Student Loan Care LLC.
<P/>
Scammers Sir we have submitted a consolidation on your behalf. <P/><P/><P/><P/><P/><P/>I have left a message with my attorney generals office in case what I signed they can put on my credit. Any advice would be great! <P/><P/>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Its almost 10 accounts opened fraudulently I attached the police report so you can see the amount accounts and dates they were opened. I did not do this

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 2023-06-02
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I tried to negotiate a settlement offer with this company and they wouldnt go down more than XXXX dollars from a XXXX balance. Which is ridiculous to me. Thats not much of a negotiation. Now its constantly bringing down my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( XXXX ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'VE DISPUTED THIS INFORMATION MULTIPLETIMES AND NOTIFIED YOUR COMPANY THAT I AM A VICTIM OF IDENTITY THEFT AND THIS INFORMATION IS IN RESULT OF THAT, XXXX  XXXX # XXXX AND XXXX # XXXX. YOUR COMPANY IS IN VIOLATION OF 15 U.S.CODE 1681C-2. A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE CONSUMER FILE THAT THE CONSUMER IDENTIFIES THE INFORMATION AS RESULT FROM ALLEGED IDENTITY THEFT. IT HAS XXXX MORE THAN 30 DAYS AND THIS INFORMATION REMAINS UNCHANGED. THESE ACCOUNTS SHOULD NOT BE REPORTED ON MY CONSUMER REPORT AS THEY'RE A DIRECT VIOLATION. UNDER 15 U.S CODE 1681B- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER WHO IT RELATES. I HAVE NEVER GAVE ANY CONSENT TO REPORT ANY INFORMATION ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. NOT ONLY DID YOUR COMPANY REPORT INFORMATION BUT YOU'VE REPORTED INACCURATELY, UNTRUE, AND INCORRECTLY. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.

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 2023-06-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
FAIR COLLECTIONS & OUTSOURCING CONTACTED MY WORK PLACE THAT MY CREDIT WOULD BE RUINED. XXXX IS THE FIRTS TIME I EVER HEARD OF THIS COMPANY. THE NEVER SENT ME A LETTER NOTIFYING THAT THEY WOULD BE REPORTING ON MY PERSONAL REPORT. THIS IS A VIOLATION OF MY RIGHTS. HOW CAN THEY USE MY SOCIAL SECURITY NUMBER CONTACT MY JOB ABOUT SOMETHING I KNOW NOTHING ABOUT. I AM SUFFERING FROM XXXX IN THE MILITARY AND THIS HAS STOPPED MY GRADLOAN TO COMPLETE SCHOOL.

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 2020-06-16
Company: JPMORGAN CHASE & CO.
State: NY
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:
In XX/XX/2020 I discovered that my identity had been stolen. Upon reviewing my credit report, I found that there was a charged off credit card. 

I reached out to the credit bureaus to notify them that my identity had been stolen by sending a letter, a police report, filing a complaint with the FTC, and sending a FTC affidavit to all three credit bureaus. All three denied removing the account because they claimed the account was verified by the creditor. None of them gave me an explanation as to why they would not block it nor how they came to the conclusion that it was verified. 

I reached out directly to the creditor and sent the same information letting them know that I had been a victim of identity theft and they refused to remove the account stating that it had been verified. I requested that the provide physical proof of a contract with my signature showing that the debt was mine and show me the method they used to verify the debt but the disregarded my claim. Instead they sent a letter plainly stating that the account was verified. 

Lastly, I followed up with a Notice to Furnishers of Information letting them know that they are only able to report accurate information and must remove the account if it is fraudulent. They again disregarded my claim and have continued to report the account as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: NPAS, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received XXXX XXXX treatment from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX XXXX on XX/XX/XXXX. We have XXXX XXXX XXXX  through XXXX ( primary ) and XXXX XXXX XXXX XXXX  ( secondary ). On XX/XX/XXXX I received a Statement from NPAS INC ( a third-party debt collection agency ) located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They service accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX requesting payment of {$150.00}, I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and she conducted a 3-way phone call with NPAS, they claimed it was for Co-pay. She explained that bill had been paid in full and due to dual coverage, no co-pay was due. NPAS was sending account for review. Then on XX/XX/XXXX received statement from NPAS attempting to collect {$4400.00}. Called NPAS again, had XXXX XXXX XXXX XXXX member rep on the call with me. She explained once again that bill was paid in full. NPAS again said account would be reviewed. Received another statement from NPAS on XX/XX/XXXX, for {$4400.00} called again with XXXX XXXX XXXX XXXX member rep on the line with the NPAS rep, again explained to them bill had been paid. Also sent e-mail with attached Explanation of Benefits to NPAS ' " XXXX ''. Received statement again from NPAS on XX/XX/XXXX requesting payment of {$4400.00} again. I am writing to you to attempt to get them off my back and stop the harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 did not authorize these inquiries to my credit report Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( XXXX ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2020-07-29
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Chase checking account on XX/XX/2020, I downloaded the XXXX app to login to my account, I then received an error that stated my account is locked and I need to call to get it unlocked. So I called about XXXX CST, the representative I spoke to was very rude, she put me on over 10 minute hold. She then came back and stated that I have to open a new account. While she put me on another hold, I attempted to go online to open a new account like she stated, however, it said I already had an account was not able to open a new account. She stated that someone in the back office shut my account down, no reason was provided. So I then spoke to a supervisor who was unhelpful and said that this account is locked and will close in 26 days. I had absolutely horrible experience with Chase Bank and the way their representatives lie to customers over the phone and are very hostile.

Company response to consumer: Closed with explanation