BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: Southwest Stage Funding
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019, my mortgage account was acquired by XXXX XXXX from XXXX XXXX Beginning in XX/XX/2019 I began submitting loan payments to Southwest Stage Funding LLC ( dba XXXX XXXX ) under former XXXX XXXX number XXXX. In late XX/XX/2019, I submitted my XX/XX/XXXX payment as regularly scheduled. On XX/XX/2019, I submitted early XX/XX/XXXX payment. On or about XX/XX/XXXX, I received a mailed notice of late payments from XXXX while almost simultaneously receiving notice via email that my credit score had  changed. When I checked, XXXX had turned in late payment information that had been received by XXXX and XXXX, and my credit score that was +800 points had been reduced by 69 points. I called XXXX customer service at XXXX and was told that because of the difference in computer systems for loans from XXXX, and since it was during the time frame when my adjustable mortgage would see any adjustment in interest rates, along with the payment adjustment, my payments had been placed in " unapplied '' status, and unfortunately their automated reporting system had sent out erroneous late statements. I was told I should dispute the late payment reporting through the credit bureaus, which I did. Those are unresolved to date. However, I called back to customer service on or about XX/XX/XXXX to confirm that the problem had been resolved, but it hadn't. I was told that they were working on getting all of the problems resolved and that my loan would be resolved by COB and I received a call at approximately XXXX on XX/XX/XXXX that they had indeed resolved the issue and my payments had been appropriately applied. Then sometime between XXXX XXXX I received my XXXX monthly statement that reflected the adjustment to my payment, which I DO NOT dispute. What I dispute is that they tacked on " Unpaid Late Charge '' to my statement, which after calling customer service on or about XX/XX/2019 at XXXX, told me that my disputing the late charge would have to be escalated to a manager, and within seconds I was disconnected. No matter how large or small, I do not owe any " Unpaid Late Charge '' because they failed to properly credit my on time payments to my account when received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my 23rd 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 Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$510.00} 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX AV XXXX, PA XXXX ; XXXX  XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$10.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$170.00} ; 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 Inquiry : 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 2023-05-31
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting, credit repair services, 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:
Multiple inquiries when applying for vehicle multiple inquiries on XXXX credit card and multiple inquiries by 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 2023-03-30
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 my bank account ending in XXXX was fraudulently used for multiple transactions resulting in {$9300.00} stolen from my account. The transactions were made from a casino called XXXX in XXXX XXXX, Florida. I live in XXXX, WA and have never been to Florida personally. I immediately contacted JP Morgan Chase Bank to inform them that my account was being fraudulently used and filed a fraud claim and lock my debit card so that more money couldn't be stolen. I also checked my online banking and saw that the fraudsters were able to change my address to somewhere in Florida. I immediately changed it back and had Chase lock my online account so that nobody could make changes until I visited a Chase Bank branch in person. I also informed them that I still had my debit card and I used it that night at a local XXXX restaurant XXXX  located in XXXX, WA. I was told by Chase that they were able to make a duplicate card and used my pin number to steal the funds from my account. Unfortunately, they have denied my claim as of yesterday XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: NY
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:
I am writing to convey my profound DISSATISFACTION with your recent assertions concerning my accounts. I am REJECTING these claims due to the absence of any substantive facts or evidence supporting your allegations. Therefore, I strongly encourage you to promptly initiate a comprehensive inquiry into these matters. I demand that you expeditiously challenge these accounts and furnish me with well-documented evidence substantiating your stance. Failing to do so will leave me with no alternative but to pursue legal action to safeguard my rights and rectify this matter. 

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 2021-03-17
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2020 I had a water leak at my house my insurance XXXX XXXX issued me a check for my water damage lost of XXXX to me and my lienholder Midland mortgage I have been having trouble since XXXX trying to get funds to fix my house Ive suffered With this weather related in XXXX that we had I do not have floors, kitchen or walls it all got demoed due to water damage my house was very cold 52 Ive been back-and-forth with Midland submitting paperwork every time I call to follow up Ive been told different by all different operators that I even asked my insurance agent to help me we called on a three-way line to try to get some help for me all Im asking is for them to release the funds so I can fix my house back I am going on for months with my house being destroyed I am stressed out about the situation Ive been in my house for 22 years I am asking for somebody to help me with this issue yes I did receive XXXX Of the XXXX but that was nothing I had to buy material for the floors at least upstairs my sons room is plywood when I called back now theyre telling me that I have to do another stack and wait 10 more days for them to research it I think this is ridiculous

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 2023-11-15
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient-formally Sallie Mae under the Virginia code had five years to collect upon my delinquent debt or sue me. When the five years expired, I sent them a cease and desist letter. Instead, Navient has continued to harass and call, threatening to sue and take actions to which they can not. I also notifed them that in trying to collect upon my dept they broke several laws- trying to trick family members, claiming they are above consumer protection law when trying to work with... etc. Now they continue to send notices and call and leave threatening messages for my family. 

They have no right to claim anything- especially when I told them this and tried to explain everything the first time they tried to harass and lie their way to trying to get me to come out of delinquency. XXXX marks 10 years since the original loan. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Transaction via XXXX XXXX XXXX was disputed on XX/XX/XXXX in the amount of {$210.00}. Vendor overcharged and failed to deliver the merchandise successfully. 

XXXX Synchrony Mastercard did not communicate effectively and closed the dispute which had to be reopened again on XX/XX/XXXX. Documents were successfully sent via fax and through the online message center. XXXX Synchrony Mastercard states that they have reopened the dispute when they have not. They also state that they have not received documents when I have screenshot proof that the files were successfully sent through the online portal.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my privacy and confidentially under 15 U.S.C 1681. 


Account name- XXXX XXXX XXXX XXXX XXXX ... My transunion credit report states I wasn't delinquent in XX/XX/XXXX but experian credit report is reporting a 30 late payment in XX/XX/XXXX. In XX/XX/XXXX, transunion credit report states i was late 30 days but experian report, reports was 60 days late. My last payment on this account was XX/XX/XXXX. Both transunion and XXXX reports a final payment of {$370.00} but but both reported that i was 90 days late. All of this info is inaccurate. 
XXXX XXXX  # XXXX ... My transunion credit report states I was 120 days delinquent in XX/XX/XXXX but experian credit report is reporting a 150 day late payment in XX/XX/XXXX. In XX/XX/XXXX, transunion credit report states i was late 120 days but experian credit report 150 days late. All of this info is inaccurate. 
XXXX XXXX XXXX # XXXX... Transunion credit report, reports maximum delinquency of 30 days in XX/XX/XXXX and in XX/XX/XXXX but experian credit reports reports delinquency payments of 30 days in all of these following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All this info is inaccurate. 
XXXX XXXX XXXX... Transunion credit report, reports maximum delinquency of 120 days in XX/XX/XXXX and XX/XX/XXXX and but experian credit reports reports delinquency payments of 150 days in XX/XX/XXXX, not 120 days delinquency. In XX/XX/XXXX experian reports shows 90 days late not XXXX. This info is inaccurate. 
XXXX # XXXX... Transunion credit report, reports maximum delinquency of 120 days in XX/XX/XXXX but experian credit reports reports delinquency payments of 150 days late in XX/XX/XXXX. In XX/XX/XXXX transuion reports a 120 day late payment history but experian reports that this account was in collection in XX/XX/XXXX All this info is inaccurate.

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 may make any consumer report containing any of the following items of information. Any other adverse item of information, off than reports of conviction 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 consusumer 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 2023-07-03
Company: Kentucky Housing Corporation
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Call XX/XX/XXXX of 2023 a tree fell out of the house, which caused the roof and the ceiling to collapse on my grandson. That was a week ago. As of now the tree and the ceiling is still open. The tree is still leaning on the house they insurance company has not sent anyone out to take and put a tarp on the house of rain and hail has been coming into the house which has caused the floors to swell. The tree has not been removed. I sent in two quotes to XXXX XXXX, which was the adjuster I have not heard anything back from them. I contacted Kentucky Housing Authority and Kentucky housing corporation Kentucky housing corporation. Refuses to give me the name of the insurance company and the policy number the adjuster has not contacted me I have pictures I will send showing the damage to my house in XXXX XXXX XXXX, XXXX, KY XXXX XXXX. The electrical wiring is exposed and its wet. The rafter is cracking and is the adjuster with her. He already cracked but he pretended that he didnt hurt. Whats the raft ago was the whole ceiling or possibly the whole side of that house is going to collapse the house is really uninhabitable. I did not receive any money to go to a hotel so I have to stay here in the home who wrote the pictures and videos of the house and the damage thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I sent Equifax letters with a credit repair bureau. It included all my information in order to correct any discrepancies. To this day I still can not see my credit report for equifax. It hasnt been updated since XX/XX/2022. They insist they havent received my information even though there is proof that they had gotten it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, 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 have a lot of inquiries on my credit report that were not authourized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
dept of education XXXX  in accordance with the Fair Credit Reporting act XXXX Account # 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 dept of education XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2021-03-17
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, 2021 {$840.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$97.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no valid claim, no contracts exist ... accounts were settled with original creditors and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX  on XX/XX/26 through an email telling me of a credit score drop, that, on XXXX XXXX, a credit card was taken out in my name through Goldman Sachs Bank-USAXXXX XXXX XXXX My identity was stolen and a XXXX dollar credit card was taken out through GSXXXX XXXX XXXX I have contacted this bank and have discussed with their fraud department. They are taking steps to fix the issue. They told me to file a report with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX Past Due {$950.00} Pay Status >Collection<

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