BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PennyMac owns my mortgage. Loan origination XXXX of {$150000.00}. Had home appraisal on XXXX as I considered a refi since escrow overages was {$4.00}, XXXX and a solution was to add overage amount to principal balance of my mortgage. PennyMac attempted to coerece me into refi with cash-back and $ XXXX credit card debt rolled into refi amount even after I stated that I didn't like the idea, but the loan guy convinced me that it was common and a good thing for me to do. After consulting my mortgage expert who helped me when I purchased the home in XX/XX/2012, she advised of the many details of the loan proposal that were negative in their effect on me, and I decided to not refi but instead decided to pay {$4300.00} out of my pocket. When I spoke with PennyMac to cancel refi and to get my monthly payment recalculated with a new lower homeowner 's insurance policy along with my request that they waive/remove the MI charges, they refused stating that the MI will remain until I either wait 2 years or my principal balance is reduced by $ XXXX. I explained that I have paid 78 months of payments, no late payments, and I have over 50 % equity in the home -- they still refused to drop the MI. This seems unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have several account on my credit report that I have never done business with these companies. I have filed a police report and a CFPB Complaint as well yet the negative fraudulent accounts still appear on my credit file. Please delete / remove the following accounts 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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've contacted Transunion and XXXX regarding the collection increases from the same company every XXXX weeks. Them repeatedly reporting this is hurting my credit tremendously and has made it very difficult for me to get approved for a place to live.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/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 2021-02-22
Company: SYNCHRONY FINANCIAL
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:
The account SYNCB/XXXX is not my account. The account does not belong to me. This means that I was not the person which had this account with SYNCB/XXXX XXXX XXXXXXXX XXXX  has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the SYNCB/XXXX account must be deleted from 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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There is a FRAUDULENT item ( XXXX XXXX XXXXXXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I participated in a balance transfer promotion offering 0.00 % interest through XX/XX/2024. I paid off all charges on the card, other than the balance transfer amounts subject to 0.00 %. I was still charged interest for the period even though all charges that would have been subject to interest were paid to {$0.00} before the date that interest would have been applied to those balances. Card issuer said that since I have a balance promotional offer I must pay interest, even on {$0.00} balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Checking and Savings account closed sometime ago. Just received a notification that checking was charged off for a {$130.00} that was XXXX out over a month ago as I was informed. the savings account never received a deposit of any kind and was supposed to be closed shortly after opening

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-03-11
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: Account status incorrect

Complaint:
Hello this is now my 3rd attempt of having you investigate Equifax for allowing inaccurate information to remain on my credit report which is adversely affecting my daily means of living. there is a XXXX XXXX account number ending in XXXX on my Equifax credit report that is not only reporting a past due balance of {$1400.00} but is also listed as charged off and reports as such every month. As you know according the FCRA a charged off account can not list a past due balance. i HAVE SENT SEVERAL DEBT VALIDATION LETTERS TO EQUIFAX REQUESTING THEM SHOW ME PROOF THAT THEY HAVE THOROUGHLY INVESTIGATED this matter and they always ask for more information. This seems like a stall tactic to not fully verify the validity of this account. which still remains on my report. Please review this matter and have EQUIFAX delete this account please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Exeter Finance Corp.
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:
My vehicle was totaled on XX/XX/2018 I did all footwork to ensure I would not incur any negative marks on my credit. On XX/XX/XXXX I was informed by Exeter finance that they had sent the corrected letter of guarantee to XXXX XXXX to authorize the payment. Today I called them to find the status of the loan payoff and was told that they had not yet been paid by XXXX XXXX. I was instructed to get with state farm to find out why the payment was delayed. I learned that the finance company sent the corrected document to state farm on XX/XX/18. The finance company lied to me. They pretended not to know why the payment was held up when it was due to an error they made, as such the balance increased on the loan when they reported it and caused my score to drop 65 points. I have been working for almost 2 years to build a decent score and was hoping to purchase a home this XXXX. This company purposely held the to collect additional interest and fee on the loan. I was told that the letter of guarantee was corrected and sent on the XXXX. I believe it was sent in correct format to the GAP insurance company only- as they paid the claim for {$7000.00} on XX/XX/2018 but this was not deducted from the balance when Exeter finance reported my account. I was to receive a refund for the warranty that was purchased on the vehicle but the finance company is trying to keep those funds as well since the finance company purposely prolonged the process to get additional interest from me. I honestly have been wronged. I paid this account up until I was hit by state farms driver and made every effort to make sure all documents were sent received and accurate. I believe this company maliciously did this in order to cause me to pay money out of pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: U.S. Auto Sales Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
USAUTO Servicing has threatened to repossess my vehicle as of XX/XX/XXXX after continuing to contact them requesting a payment plan, deferment, or extension to catch up on my payments. Since COVID, I have been faced with financial hardship, loosing my home having to stay in hotels back in XX/XX/XXXX, was able to find an apartment in XXXX. Started working and unfortunately was laid off my job in XXXX of XXXX. I started rcving unemployment benefits which helped me continue to make payments which ended in XX/XX/XXXX. My childrens father assisted with paying for a month when we relocated to another city but it became a hardship on him. We came back to XXXX in XXXX, the vehicle then started to have mechanical issues, starter went out ( {$450.00} ) I'm XXXX which they were able to provide one deferment for bc they were unable to pay for repair bc I was out of warranty. I am borrowing money at this time to repair the vehicle bc the vehicle is the only thing I currently have that's helping me. XXXX another Mechanical issue ( {$250.00} ). Started working XX/XX/XXXX, contacted them advising I started working, changes in my pay, and repairs, they advised due to the acct being 53 days past due the vehicle will be up for repossession as of XX/XX/XXXX. They are unable to provide a deferment due to the one I got in XXXX and the for the hurricane that just came. If USAuto repossess this vehicle it will cause a major financial hardship and cause major damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
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: Account information incorrect

Complaint:
In XX/XX/2017 here was a mistake made in reporting a 30 days late on my mortgage. The problem has been rectified with the mortgage agency. Attached is a letter from the reporting agency stating the removal of the 30 days late.

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 2023-06-17
Company: Experian Information Solutions Inc.
State: NY
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:
Upon reviewing my Consumer Reports, I have identified instances of late payments recorded on an account for which I have always made timely payments. It is of utmost importance that Consumer Reporting Agencies fulfill their obligation to accurately report consumer information to the best of their abilities. I would like to draw your attention to the specific account in question : XXXX with the associated account number XXXX I kindly request a comprehensive investigation into this matter and kindly ask for supporting evidence in the form of statements that substantiate the reported lateness of these payments. In the event that it is not feasible to provide such evidence, I firmly demand that these payments be corrected and updated to accurately reflect their true status as on-time payments. I want to emphasize that I have consistently made timely payments and it is crucial that this information be faithfully represented. 

Thank you for your prompt attention and prompt resolution of this issue. 

Sincerely, 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 2022-10-09
Company: JPMORGAN CHASE & CO.
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:
I have been for the past 3 years trying to restore my identity and remove the fraudulent accounts opened online without my knowledge/ consent. XXXX of which consist of Chase Cards JMPCB credit card accounts reporting as XXXX opened on XX/XX/XXXX charged off {$7000.00} and XXXX opened on XX/XX/XXXX charged off {$6800.00} both accounts are being reported with the name XXXX XXXX XXXX the person whom committed the identity theft and in all police reports as well as federal complaints and reports ). The part that confuses me is in XXXX, the only credit card I owned was a secured credit card in which still shows in good standings. Not only that but I have provided to Chase Bank as well as XXXX and XXXX all supporting documents required to substantiate the basis of the dispute which include ; copy of a police report from XXXX XXXX, Federal Trade Commision report and XXXX XXXX XXXX All supporting documentation contains account statements as well as the identifying information related to the specific person involved resulting in me being a victim of identity theft ( 16 CFR 603.2 ). 

I received a letter in the mail on XX/XX/XXXX from Chase bank that states their reporting is accurate because " payments were made to that account. '' Chase failed to include any supporting documents, yet is being permitted by both XXXX and XXXX report these fraudulent accounts on my report. According to the Section 609 ( e ) of FCRA, I am entitled to ask for a copy of the original signed application contract as well as any other transactions on record Chase Card Services used to determine the accuracy of information reported. 

Furthermore, as a person that is a victim of Identity Theft by both a known suspect and XXXX Data Breach, with supporting documents, it is discomforting to know how I am currently homeless as a result of the damages done by others. 

In closing, the letter I received from Chase Card Services regarding their " investigation reporting accuracy '' the XXXX XXXX XXXX and phone number is also inaccurate. Luckily I double checked just to verify sending my personal information to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Chase Bank uses its bill-payment system to defraud customers. 
On several occasions, I have requested payment for a mortgage account to be made from my checking account through Chase 's automated payment system.

In all cases, Chase immediately takes the requested sum of money, {$4000.00}, {$3500.00}, etc., out of my bank account -- but the mortgage company is never paid. 
Chase always has a very stupid excuse for this non-payment happening, even though they immediately take possession of my money. 
On top of this, I have been charged late fees of {$160.00} by my mortgage company for non-payment by Chase.

This has happened three times now, and as of today, a mortgage check that was supposed to be paid by XX/XX/23, yesterday, has not been paid, even though my funds we taken on XX/XX/23. 
I believe Chase Bank is committing customer and banking fraud under the guise of ineptitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: IN
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:
Experian and XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX  on. XXXX  completed their research on XX/XX/2020 and determined that XXXX XXXX was not established by myself but Experian and XXXX  keeps verifying this accounts. Also, when I called the company they responded that Experian or XXXX  did not send them all of the verifying evidence to confirm each account is unverified

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 2019-03-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I filed for Chapter XXXX Bankruptcy in XXXX. My credit cards from XXXX XXXX were included in my bankruptcy. XXXX XXXX & XXXX acquired these former XXXX XXXX credit accounts and converted them to " XXXX XXXX XXXX & XXXX. '' The XXXX XXXX XXXX & XXXX were ALSO included in my bankrutcy. 

XXXX XXXX  & XXXX/XXXX  XXXX XXXX & XXXX continued to collect on this account after my bankruptcy file date and reported the account to Equifax as being " charged-off '' in XX/XX/XXXX. As of XX/XX/XXXX, the account STILL shows a charge-off status on Equifax, instead of " included in Chapter XXXX bankruptcy. '' These actions violate the the automatic stay provision afforded debtors pursuant to Bankruptcy Code 11 U.S. Code 362. I have now disputed the reporting of this account several times, and both XXXX XXXX & XXXX/XXXX XXXX XXXX & XXXX AND Equifax keep verifying their reporting as accurate, and it is not. 

The " charge off '' status of this account is inhibiting my ability to rebuild my credit. The account was included in my bankruptcy, and my credit file should reflect that fact. 

I have attached the dispute results from Equifax regarding this matter ; the results are current as of XX/XX/XXXX. 

I am requesting that XXXX XXXX & XXXX ( XXXX XXXX XXXX & XXXX ) update the account language and descriptors on my Equifax file to read : " included in Chapter XXXX Bankruptcy. '' Thank you.

Company response to consumer: Closed with non-monetary relief