BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a 7 year fixed mortgage through Chase that re finances in XXXX on XX/XX/XXXX they sent me a note that per the terms of the loan it would not go up more than XXXX points and would ne fixed at 4.875 for a year. I reached out to them a XXXX XXXX and she confirmed that was the case I just received a notice in the mail ( similiar in format ) dated XX/XX/XXXX saying that my new rate will be 7.5 % as of XX/XX/XXXX. 
I feel I was fraudulently misled intentionally to make a greater profit by Chase Had they been honest in XXXX and told me their absolute intentions i would have re financed then into a much lower rate than 7.5 %! 
I knew rates would change just not to the extent they are now saying!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: SYNCHRONY FINANCIAL
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Paypal Credit account deceptively changed my due date by 3 days in XXXX without any notification, resulting in a late payment and a charge of {$29.00}. I've been charged excessive interest for the last XXXX months on a balance of less than {$200.00}. This month alone I was charged {$17.00} in interest on a {$100.00} balance. What interest rate are these people charging? I've been on the phone with customer service 3 times now. They promise to correct the situation and reverse charges, but I haven't seen it yet. I want the money stolen from me returned with the same kind of interest this XXXX  company is charging. I paid the balance in full tonight. XXXX years of doing business with Paypal. I'm done, & will be closing all my accounts when this is resolved!

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 monetary relief
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Delete all errors on my files and reports

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 2023-12-18
Company: EQUIFAX, INC.
State: MD
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 response to consumer: In progress
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Inaccurate address, name, phone number and job employment.

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 2023-10-11
Company: General Motors Financial Company, Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was viewing my credit report and noticed unfamiliar inquiries. My information have been used to apply for credit cards recently and commit fraud without my authorization. I ask that these inquiries be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I spoke with account representative XXXX XXXX and told her that I was catching up on my payments because I am unemployed after FAY SERVICING locked me out of access to online bill payment. I could not make my payment so I contacted customer service and she immediately began telling me to apply for loss mitigation etc. I declined this and told her I would do my best to get back on track and asked her several questions about catching the payments up. 

XXXX never told me that I was in danger of foreclosure but instead kept pushing me to a repayment plan which she told me would be due the XXXX of each month and I told her that I knew that I would not have a payment for XXXX ready by the XXXX. and that I would do my best to catch the remaining XXXX payments up and she advised me that once I made XXXX more payment I would be granted access to pay online again. After the conversation I began to make plans to catch up on the XXXX missing payments. 

On XX/XX/XXXX I received the discussed repayment plan in the mail that was completely different than what XXXX told me it would be. She said I would have a payment ever XXXX of the month for 4 months and when I received the paperwork the payment plan was listed as the following : MONTH 1. XX/XX/XXXX {$1300.00} XXXX. XX/XX/XXXX {$1300.00} XXXX. XX/XX/XXXX {$1300.00} XXXX. XX/XX/XXXX {$1300.00} XXXX. XX/XX/XXXX {$1300.00} At the time that I discussed a repayment plan with XXXX XXXX I made it clear that I would not have an XXXX payment ready by the XXXX which I DEFINITELY would not agree to XXXX payments on XX/XX/XXXX and XX/XX/XXXX back to back. This was a deceptive practice to intentionally make me default as of XX/XX/XXXX without truly giving me an opportunity to have a real repayment plan. 

At NO TIME did XXXX XXXX discuss these due dates, she specifically said all payments would be due on the XXXX of the month. She was dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy discharged 2020. Discharged closed accounts still reporting when they should be removed from my credit profile.Accounts still reporting negatively on profile.

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 2023-12-18
Company: Resurgent Capital Services L.P.
State: TX
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, XXXX XXXX, am requesting the deletion of account LVNV FUNDING LLC XXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to LVNV, and the original creditor has failed to validate the alleged debt, constituting another violation. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2022. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Please provide the original account documentation as well as your license to collect debt in the state of Texas. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. I will attach my credit report to show the many inaccuracies including payment history, and date last active. Please explain how this account meets FCDPA and FCRA regulations when each bureau is reporting different date last active? Remove this account from my credit report immediately your company is not credible. Please see the attached credit report and dispute letter which is dated and time stamped

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I, XXXX XXXX XXXX received a bill in my mail at address located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/23 from XXXX XXXX XXXX for a loan that was allegedly taken out via cashing of a mail check in the amount of XXXX on XX/XX/23. Upon reviewing this bill, I realized that I have never and would never cash a check from said company. The following day I went down in person to the local branch of said company located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and spoke with two employees regarding the fraudulent charge. An employee there provided me with a copy of the check that was cashed in my name on XX/XX/23 in an account with Navy Federal Credit Union via mobile deposit. I have never had an account with said bank. The number on said check was XXXX. The signature on the back of the check was forged, and an XXXX readable signature was written beside my name. The phone number on file both on the check and in XXXX XXXX XXXX system as provided by both employees was that of XXXX matching neither my personal or work phone number or any associates or relatives of myself. Also included on the back of the fraudulent check was the first three of a Social Security Number of XXXX, again not matching myself or any known associates or relatives. After gathering this information I then proceeded directly to the XXXX XXXX XXXX XXXX XXXX XXXX a police report for fraud and forgery. I spoke with XXXX XXXX ( XXXX XXXX XXXX ) and filed a complete police report under forgery and fraud. The case number provided was XXXX. XXXX XXXX advised me that I cold pick up an official copy of the full report within XXXX to XXXX business days from the date the report was filed on XX/XX/23. I then returned to the XXXX XXXX XXXX XXXX XXXX XXXX at the address mentioned previously, and spoke with the same employee and provided a copy of drivers license and the pamphlet with the officers name and case number provided to me by the XXXX. XXXX took copies of information. I was then advised that once the official police report was made available to bring it back along with a copy of signature to be provided to the fraud department XXXX XXXX XXXX XXXX. I agreed and will return with information as soon as available. I then reached out to the fraud hotline of Navy Federal Credit Union at XXXX. I spoke with the agent over the phone who located that check and opened a fraud claim. The agent advised me that I would receive mail correspondence in 3 to 5 business days. I have also filed a report of suspected mail theft/ fraud with the United States Postal Service Inspection Service XXXX From there I was advised to file with the CFPB as was done on XX/XX/23.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Refer to the attached documents. I want the bureau to initiate an investigation into these accounts that I am never late for, but they are inaccurately reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have only lived on the mainland for XXXX years. I co-signed on a loan for a friend for a car loan and she later had health problems and was unable to make any payments, she left the united states so the car became my issue. I was not familiar with this process, the sales man was very nice but did not explain things well. I signed a paper giving authorization for electronic signatures. As he rushed through the documents, everything seemed ok and not a big deal. Just click here to agree ..... It was only after I became responsible for the payments I learned what I had actually agreed to do. I felt the salesman rushed over this, I did not understand the process. I am upset at the extra fees that were charged for the extended warranty and GAP insurance, these were not fully explained ; the salesman was more interested in selling a car than making sure I understood how serious an auto loan is and the full responsibility I was agreeing to as a co-signer. I can not make the payments it is simple. The original value of the car was {$10000.00}, {$9900.00} after a down payment but with the interest rate of 22.99 %, the loan was $ XXXX {$12000.00} in interest charges! The balance today is {$13000.00} after XXXX years of payments, the car is only worth XXXX or XXXX XXXX dollars. I called XXXX XXXX, they would not do anything and refused to discuss any options telling me only that I could try to refinance. They would not consider lowering the interest rate, lowering the payments or removing the extra fees. I can see online a complaint was filed against credit acceptance for exactly the problems I experienced. I felt pressured into products I did not need and for sure did not understand, I am unable to make payments and can not refinance. I feel trapped into this loan and there is nothing I can do. I am not sure I can ever pay this off and if I do, the car will be old and I may have nothing at the end of it all. I did try to refinance the loan but was told I need a co-signer but I was surprised the interest rate would have been much lower. How can that be? Trying to refinance made me feel taken advantage of on the original interest rate.

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2021-12-13
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a visa card with XXXX XXXX XXXX XXXX I paid the balance in full by ach back in XXXX of XXXX the account was paid in full and I closed it. 2 months ago I was contacted by National Credit Adjuster on Behalf of XXXX XXXX XXXX trying to collect {$400.00} on this paid/closed account. I have tried multiple times resolve with NCA directly, provided copy of my bank statement etc. as proof of account paid. They refuse to remove the error from my credit reports. Another oddity is that they contact me in my former married name of XXXX, I opened the account in my maiden name of XXXX, I have tried to resolve with credit card company directly and am unable to speak to someone above a low level basic customer service level.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company misallocated my on-time payment to another customer 's account and incorrectly reported my account as late. 

Account in Question : XXXX XXXX  incorrectly reported as late in XXXX 2021.

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 2023-10-30
Company: Lendmark Financial Services
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I submitted a complaint a couple of days ago due to the number of calls that were being made to me during the week ... after this complaint I set up a payment arrangement and have it scheduled to be directly withdrawn on XX/XX/ in which my account will be due for 34 days. The very next day I received I phone call from the company from the company line, and 3 hours later I got another call from a cell phone number that is registered to an employee with their company. I have a payment set up and there is no reason for them to harass me to this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-04-26
Company: EQUIFAX, INC.
State: AL
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:
Equifax and XXXX are not properly investigating dispute submitted by XXXX and XXXX XXXX when asked for the information they determine the validity of the credit items all they product was a letter stating that I owe a certain amount and not an itemized bill or even the initial contract with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Capital Management Services, LP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, I have been being contacted by XXXX  XXXX XXXX for years now, unknowingly they have been pursuing debt that I have paid in XX/XX/2020. I have a receipt that says this debt has been paid in FULL and they refuse to honor the receipt and evidence that I do not own this debt. They have been continuously reselling my debt and new debt collectors keep harassing me for something that I have PAID. It have tried to dispute it several times on my credit report, but they keep saying I am wrong. Why would ANYONE bother to pay debt if they will take your money but not update the account? Please see the attached receipt. This is long overdue and has been stressing me out continuously, as no one will listen.

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