BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

LVNV FUNDING LLC XXXX Balance Owed : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Department of Education, XXXX  XXXX XXXX and Mohela My concern is related to delay in action, lack of follow up denial of student loan forgiveness. I initially applied for loan forgiveness in XX/XX/XXXX. At that time I was informed that there was a delay in getting forms processed and it would be a few months before I had any information. I was notified that despite having over 120 payments one of my employers needed to be verified by the department of education. Without any contact I was denied forgiveness and received a letter stating that I need employer verification. I resent the application with a letter from the non-profit providing additional documentation and contact the Ombudsman, whom reported I needed to wait for the department of education to review my employer. The application was denied due to needing employer verification. I resent the application with additional supporting documentation of Social Security transcripts and not have been told that the application for forgiveness was denied due to needing employer verification. For the last 3 years I have been given the same response regarding the employer. I worked at XXXX XXXX XXXX from XXXX to XXXX, they did go through a name change to XXXX XXXX XXXX and in the years since my employment have merged with another non-profit. I have provided letters from the leadership explaining the changes and confirming that I did indeed work at the XXXX I have provided social security records from the time of the employment and have submitted the correct application for forgiveness. At this time I have nothing else to provide. I am requesting that the documentation provided that shows my work at the XXXX  be reviewed and my forgiveness application be reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XX/XX/2023 Chase bank told me that they had decided to close my account and that they would no longer except my direct deposits. Instead they continued to except my direct deposits and decline all of my auto bill payments. This has cause my credit score to drop, this has also cause my loan balance due in full. Still today chase is holding my refund from my closed account every time during the about the XXXX I was told that my payment was already mailed. Today XX/XX/2023 I still haven't received my payment. I expect they will say that it's loss in the mail, so that they can start this process over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Professional Debt Mediation, Inc.
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: Information belongs to someone else

Complaint:
Company told me they deleted this account and they are still reporting it as collection to credit bureaus. Was told they reported to delete on XX/XX/XXXX and it still is showing on my XXXX credit report. Needs to be updated via eoscar to credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I sign a contract with a HVAC company to install a new heating and cooling system in our house. The Company estimated it was a " 3 day job '' and would be finished by the end of XXXX. 

The promotional financing terms and conditions stated that I was preapproved and the charge would be made once the job was complete. There were delays, supply issues, etc and the job was not completed at the end of may. However synchrony called to confirm that that company had said that the job was finished and that they had charged the card and a payment was due. 

I contested and disputed the charge on XX/XX/XXXX since the job had not finished and the contractor should not be paid the entire amount of the contract. 

I received a letter on XX/XX/XXXX stating that the dispute had been resolved in the merchants favor. Enclosed was the response from the merchant that stated without any supporting evidence that the job was " almost done '' and would be done on XX/XX/XXXX and there was no reason for the dispute. 

On XX/XX/XXXX, I faxed evidence contradicting several claims in the letter from the merchant as well as evidence that the job had STILL not been completed and the company did not have a good relationship with us. 

I heard nothing from Synchrony bank. On XX/XX/XXXX, I called and asked synchrony to review the evidence. They stated they had and that they had already reached a decision and " I needed to wait for the decision letter ''. I asked for the date of the letter and they referred to the XX/XX/XXXX letter. I asked them again about the evidence I had submitted on XX/XX/XXXX and they said they would have to open a new dispute. 

I am very concerned that synchrony bank is not doing its contractual due diligence in reviewing disputes and is unfairly closing the dispute process prematurely without any effort to validate any of the claims made by the merchant or providing us an opportunity to respond when the company offered no evidence to support any claims.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to formally contest the erroneous inclusion of certain accounts in my consumer credit report. It has come to my attention that I did not provide written consent for the reporting of these specific accounts, which, I believe, constitutes a violation of my rights under 15 USC 1681b. This particular statute safeguards consumer information and necessitates obtaining consent prior to reporting it.

I would like to note that I have already lodged a complaint with the Federal Trade Commission ( FTC ) and have been assigned a reference number for my case, which is XXXX. Despite this, my efforts to request the removal of these accounts from my credit report have been met with responses from the creditor, supplying documents that I did not request. It is my contention that your credit reporting agencies bear responsibility for ensuring accurate and compliant reporting. 

As per the provisions outlined in 15 USC 1681c-2, consumer reporting agencies are obligated to promptly block the inclusion of information in a consumer 's file that the consumer identifies as arising from alleged identity theft. I kindly request that you fulfill this legal obligation and swiftly eliminate the following accounts from my consumer credit report : Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX In addition, I would like to bring to your attention an unauthorized inquiry on my report by XXXX XXXX XXXX, dated XX/XX/XXXX, and another XXXX XXXX inquiry by XXXX XXXX, dated XX/XX/XXXXXXXX Lastly, there was an inquiry made by XXXX XXXX XXXX  on XX/XX/XXXXXXXX 

I anticipate that these accounts and inquiries will be removed in accordance with the legally stipulated time frame, no later than four business days after your receipt of this correspondence.

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 2021-10-06
Company: CITIBANK, N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank closed my checking and savings accounts because I received the PPP funds into a personal account. 

I am an independent XXXX and do not have a registered business. Citibank accepted and released my fund a while ago, only for them to freeze my accounts 3 months later. 
Back in XX/XX/2021, the Biden administration set new regulations that made independent XXXX  and XXXX  employed people eligible and therefore banks should not expect independent to provide a registered business documents. 

I sent Citibank copies of contract agreements, W-9 form . When I applied for PPP, I never claimed to have a registered business. I used my name, social security number, XXXX XXXX  and XXXX  C. 

Im delinquent on all of my bills because of 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 explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False misleading information furnishing deceptive forms must remove late payments under the XXXX XXXX XXXX. The account is listed below : XXXX XXXX XXXX XXXX : {$5800.00}

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 2019-01-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I ordered a queen size XXXX  brand memory foam mattress from XXXX seller storefrontXXXX using PayPal credit. I received my item on XX/XX/XXXX. The item was drop shipped from XXXX and came in a plain cardboard box. I opened the memory foam mattress which come compressed in the box. Once you open these mattresses they expand to full size. Because the seller shipped this item from XXXX and selected the option for 'gift ' there was no paperwork to indicate the size, nor any indication on the box of the actual size of the mattress. When I opened the mattress, it expanded to full size and only then did I realize that I was sent a twin size mattress, and not a queen size. I immediately started the return process and the seller agreed to take the item back for a full refund. The seller provided a shipping label, but the label was not for the proper size item. Now that the item had expanded, XXXX would not accept it. That same day I attempted to contact XXXX, where the item was shipped from, to arrange a large item pickup ( a service they offer in these cases ). XXXX told me that because I did not purchase the item, that I could not make those arrangements so I contacted the seller to request advice on sending the item back. On XX/XX/XXXX, at XXXX EST, I contacted XXXX  support because I had not heard from the seller and needed assistance returning this item. I was told by XXXX  support that they would reach out to the seller to request arrangements for shipping and that if the seller did not respond by XXXX the case would be decided in my favor and I would receive a refund due to XXXX 's buyer protection. On XXXX I received an email stating that the seller asked XXXX to close the case and it was decided that I would not receive a refund. The seller still never responded to any of my messages and XXXX made no attempt to contact me about the case prior to closing it. The case was also closed early, without allowing me the full amount of time to send the item back. On XX/XX/XXXX, at XXXX I contacted customer support at XXXX who told me the decision could not be overturned and that I would need to contact paypal for further investigation. PayPal has refused to accept my dispute or appeal unless I pay for shipping the item back to the seller which would cost in excess of {$150.00} when the seller could easily just contact XXXX and arrange shipment.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 the Fair Credit Reporting act XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-07-26
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a notice from Freedom Mortgage in XXXX of XXXX, dated XX/XX/XXXX about my mortgage PMI not being paid and I owed them {$5300.00}. Freedom Mortgage acquired my mortgage from XXXX XXXX on XX/XX/XXXX. 

I was informed I had two options : Pay the full amount of {$5300.00} or my monthly payments would be increased from {$1800.00} to {$2500.00} monthly. ( A {$760.00} increase monthly for 12 months ) They gave me no other choice and demanded that I pay the increased amount. The mortgage company decides to raise your mortgage and you have no way to fight the decision. You either pay it or they Foreclose on your home. 

Before my mortgage was sold to Freedom from XXXX XXXX  my mortgage was {$1800.00} and XXXX XXXX had the PMI removed in XXXXXXXX XXXX XXXX ( See PMI removal letter Attached-Letter dated XX/XX/XXXX ) For 6 months ( XX/XX/XXXX until XX/XX/XXXX I paid {$1800.00} to Freedom Mortgage and in XX/XX/XXXX I received the letter requiring and increase for the PMI. 

I spoke with Freedom Mortgage and they stated that the information was not transferred to them and they would contact XXXX XXXX. I have gone back and forth with Freedom Mortgage for months while all this time they have been sending me monthly statements at the {$2500.00} rate for the last 6 months. 

I have spoken to Freedom Mortgage over 20 times trying to get this issue corrected and get some relief ; the extra {$760.00} added to my monthly payment has put a tremendous strain on me and my family. I am struggling every month to pay this outrageous increase. I do not know how long I can keep it up, I am at the bare minimum of my finances. 

Just recently Freedom Mortgage stated that XXXX XXXX made a mistake when they removed the PMI by using the wrong chart and that XXXX XXXX has admitted to their mistake. This does not solve my problem and I do not like being in the middle of two mortgage companies issues, and the one who is suffering is me. I am the one that they have screwed over and raised my mortgage to an amount that I will eventually be forced into Foreclosure. I need the CFPB to step in and assist me. I can not fight giant Mortgage companies.

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 2019-01-08
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a loan with XXXX XXXX. 

I paid off one of my loans in full on XX/XX/2018. The loan was " DIRECT UNSUB STAFFORD LOAN '' and had a balance of {$200.00} when I made this payment, and I directed exactly {$200.00} to be paid against this loan. Somehow, XXXX XXXX is still showing that I have a balance of {$1.00} on this loan, which is the amount of interest I paid on the loan on XX/XX/2018. 

I do not understand why the loan still has a balance. I paid it off in full on XX/XX/2018. Is this happening to other loan re-payers as well? Is the servicer artificially maintaining our loan balances as a way to exact additional funds from us? 

I would like an explanation of this, or a corrective action to be taken against the servicer. If I am repaying loans in full but STILL being charged interest, that is a major issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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: Their investigation did not fix an error on your report

Complaint:
This is my second complaint to you in regard to Equifax not resolving the issue with my credit report. I am trying to refinance my home and they can not pull my Equifax credit report. This has happened several times with other loan companies and Equifax has not fixed the issue. If this issue is not resolved I will file a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The following account was added to my XXXX Credit Report as of XX/XX/XXXX in error : XXXX XXXX XXXX  Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$75.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$75.00} Balance Updated XX/XX/XXXX The reality is : I paid {$150.00} on XX/XX/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 2021-11-12
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a house through PRMI ( Primary Residential Mortgage Inc. ) and moved in XX/XX/2020. We have made all mortgage payments in a timely fashion, and noticed about 4 months ago that even though taxes and insurance were paid up to date, the company was holding more than {$8000.00} in escrow. We called to ask about a refund, and were told they would send a check for the full amount. When it did not arrive, we called only to be told they had taken the check back and would re-calculate what they owed us. After nothing of the sort happened, we called and the customer service personnel told us that several notices had been sent to the relevant office regarding our inquiries but no check had been issued. However, our billed payment amount was reduced by about $ XXXX/month. Today, in XXXX, the payment we have been making still stands at the reduced amount for the third month, at {$1100.00}, and the amount held in escrow is stated as {$9900.00}. We want the excess amount over taxes and insurance to be returned to us, have asked for that repeatedly over four months, and most recently have been told that the calculation would have taken place early this week, but we've heard nothing. We are evaluating moving our mortgage to a different company, but of course there will be additional costs. At our ages, late XXXXs, we have to carefully consider the cost of any move other than a complaint. No one with any authority at PRMI has ever responded to this issue despite repeated appeals from the people in Customer Service, who have no authority to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
These accounts should not be furnished on my consumer report as they are in 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 to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! XXXXDEPT OF ED

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