BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-07-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a re-occurring payment thru my Chase XXXX account that was set up to end on XX/XX/XXXX for {$1500.00}. On XX/XX/XXXX, a payment was disbursed to recipient for what I believe to be in error as I had set to end on XX/XX/XXXX. Rather than providing me proof that I had set it up incorrectly ( which I would have accepted, despite being frustrated ), they gave me the runaround thru multiple department including Claims ( which would not help me unless it was fraudulent and a group that is suppose to research the case ). On XX/XX/XXXX, it was not that there was a severe XXXX transmission issue that affected many accounts for double payments and could have also impacted by re-occurring because it saw that there was a payment made correctly on XX/XX/XXXX. In total, I spent close to 10 hours with various bank personnel at my local branch and mainly over the phone and never got proper closure outside of they could not help me and I need to contact the recipient. I understand the bank also tried and both of us received no response. I feel that the bank should be able to produce a document showing me that I had set something up incorrectly ... .instead, just denial with no explanation on why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 non-monetary relief
Consumer complaint received 2023-05-16
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I had a purchase that was 18 months no interest equal payments. I paid a LARGE portion of the amount off in XXXX. I called after making the payment and asked for a reduction in the minimum payment amount. The lady I spoke with told me they could adjust and it would take up to three billing cycles. I called today and I spoke with three different people. NONE OF THEM spoke english. One lady could barely understand me because her dog was barking in the background. Finally I got to a supervisor who basically told me they would not adjust it. His name ( XXXX XXXX told me that its equal payments for 18 months. I said I realize that but at the rate of payment it would be paid off in 5 months leaving almost 10 months where there would be no payment because it would be paid off. I have indicated to them that the minimum payment as is ( which is still calculated over the original total and not adjusting for the large amount ) more than I can afford right now. I have asked for the payment to be adjusted. They have refused. I then asked for the promotion to be ended and I will pay the interest. They have refused. I just need the minimum payment lowered. Please help me.

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 2023-02-14
Company: EQUIFAX, INC.
State: SC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, AP XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity Bank has closed my Victorias Secret credit card account without my consent. The due date for the attached bill statement has not arrived yet and this is my very first statement. Pursuant to 15 USC 1602, this account is an open-end credit plan. Also pursuant to 15 USC 1602, the closure of my account is unauthorized use of my credit card as I did not consent to nor request closure of the credit card account. I simply requested from a consumer reporting agency that the account not be communicated on my consumer report as this is my legal right. 

Upon contacting the customer care number on the back of my credit card on XX/XX/2022, I was told that my account was closed because I initiated a dispute with a consumer reporting agency. This response does not constitute a valid reason for closure of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage assessed late fees and penalties for two months to the mortgage loan although they are authorized to debit the funds from my banking account. They are currently charging me late fees for XX/XX/XXXX when the payment is not due until XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WSFS FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I deposited approx {$300000.00} on aprox XX/XX/2018 & only bought a car for approx {$44000.00} & the money is gone! My XXXX  reviewed my acct and saw that the bank never altered her that someone was taking a large amount, several times a day, Approx {$600.00}! No one called her, but her acct gets frozen now for {$100.00} after reporting her money was gone!!! How does a bank do this without accountability!!!!

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 2023-09-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information that is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items 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 Balance : {$6400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} ; ( Original Creditor : ) XXXX Balance : {$1200.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 have submitted extensive XXXX Medical Documentation and documentation of XXXX from the United States Office of Personnel Management, as I am a XXXX  XXXX employee from the XXXX XXXX  XXXX XXXX XXXX. These payments were on deferral during a 2 month period. However, XXXX  and the credit card company refuses to recognize the documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00}

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 2021-07-09
Company: EQUIFAX, INC.
State: LA
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. BK OF MO - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Avant Holding Company, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card and a loan through Avant, about 4 months ago they blocked my access to my account online. They are taking money out of my bank account to make payments, but when I contact them regarding balances or where the money is going, they tell me that according to their records I do not have an account. I recently received an email to call them regarding stopping my ACH transfer, I get the same response, I do not have an account on file for them, yet they continue to take money from my checking account and can not tell me where this money is going. According to my credit report the balance on the loan and card keep rising, no payments are being made to the account but again they keep taking my money. How can I resolve this without losing more money and without ruining my credit because they show I am not making payments on my credit report...? They also refuse to send me paper statements. They said my customer ID number is XXXX but again when I call they have no record of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: AES/PHEAA
State: IN
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:
I have qualified for the Public Loan Forgiveness in XX/XX/XXXX and applied for forgiveness. I realized I didn't use their " help tool '' and my application was 'in review ' and has been in review since XX/XX/XXXX. I finally used the Help TooXXXX and submitted my application in XX/XX/XXXX and within 2 days, my payment counts were updated for the month of XXXX. They did not count any of the months from XXXX - XXXX due to my original application being 'in review. ' I have filed a complaint through Studentaid.gov and was told multiple times that my case would be expedited since I am over the 120 months, however, I spoke to someone today in the escalated department through Fedloan and was told there is no timeline. I have had the same employer since XX/XX/XXXX, have certified my employer annually and have never used the HelpTool prior and have NEVER had to wait over two months to update my account. Please help regarding this matter. I have been waiting for this moment since XXXX when I learned of the program and it should NOT BE THIS HARD. Thank goodness I do my research and advocate for myself regarding Fedloan and the Public Loan Forgiveness. I feel terrible for those that have no idea what they are doing regarding this and assume that this will not be as complicated as it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had our originally mortgage with XXXX XXXX and it was sold in XX/XX/2022 to Shell Point, during XXXX  we were able to pause payments on the mortgage, then our son passed which caused a MAJOR loss of income as my husband was his XXXX XXXX XXXX XXXX XXXX  to do so, and when he passed we lost that income. However, now those missed payments are in something called forbearance. My husband now has a job and we are able to resume our mortgage payments and want to do so, However, Shell Point will not TAKE A MORTAGE payment, until the forbearance is paid, and we are not able to pay the XXXX in full, but can also make payments on that can have expressed that we want to work a way to do that. They said NO, they only option is a modification, ok, but we have gotten nothing but issues. Everything they ask for we send, then, they come back and say it wrong, but its not, and won't help with what they are asking for. Yet they mortgage goes more and more in default, and all we want to do is resume payments, but can't. And I am afraid that they just want to force a foreclosure, please please please help. Our son died here, we need to stay in our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached out to XXXX on XX/XX/XXXX to inquire about removing an old account from my credit profile. After speaking with the representative via chat, and advising they had this account with a balance due to equipment they failed to accept when I attempted to return. The representative advised they could credit my account for the equipment and would remove from collections. I was advised to wait XXXX weeks. On XX/XX/XXXX, I chatted with another representative to confirm account status. During that chat I specifically asked if they were pulling the credit account from Enhanced Recovery Collections, that representative advised yes and to continue to wait the time period provided. After the XXXX weeks advised passed, I reached out to Enhanced Recovery Collections to inquire if they received notification to remove from my credit profile, they did not have any note on file from XXXX. This interaction occurred on XX/XX/XXXX. After call with collection agency, I went back to chat with XXXX during this conversation he advised no note was placed on my account, and agent was not able to locate information and advised they could not assist. We had the same issue with my husband on they pulled his account from the same collection agency within a week. I have attached copies of chat transcripts and chat IDs to this case along with proof, with approval from my spouse, a copy of his report showing they do in-fact delete from the credit profile.

Company response to consumer: Closed with explanation