BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-26
Company: JPMORGAN CHASE & CO.
State: PA
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 was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a chase bank I had applied for 2 things. I did not do anything with anything with Chase Bank. I never signed anything. Have No idea what they are talking about. 

They are giving me hard inquires on XX/XX/XXXX and XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: Southwest Credit Systems, L.P.
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 status incorrect

Complaint:
On XX/XX/2029 I a settlement on a debt was agreed on by Southwest Credit Systems and myself. The amount that was due was {$1100.00} and we settled for {$630.00}. I asked them would they remove my debt from the credit report which they said yes. Once I made the payment they informed me that a letter would be sent to me stating that I no longer was in debt to this company and that a settlement was made. I once again asked them would it be removed from my credit and they said yes but it would be 10 to 15 days. 

A few days after XX/XX/XXXX, I called them and someone told me that once I received the letter that I could send it to the credit bureau to be removed faster. 

Since then I have called several more times to delete my debt to Southwest or report the correct information to the credit bureaus so my credit can be cleared but they refuse. 

This has caused me many problems in moving forward with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
DO NOT CLOSE THIS COMPLAINT!!! this is not a complaint from a third party company. This is a complaint made by me XXXX XXXX. 
So I am the victim of identity theft. I would like this to be taken care of I have filed a police report which is included and i would like the accounts removed from my credit.

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 2020-03-26
Company: Capio Partners, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company put several collections on my credit report and I was able to dispute them and have them removed however a few months later two more accounts pop up and I have not been to any hospital or doctors office in years and the last time I did was in 2010 and everything was under workers comp

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
When I gradutated school I was stuggling to pay my student loan leading to them add a lot of interest, non payment fees and other fees which balloonedmy loan. I did claim bankruptcy in 2012 and did tell the servicer AES which they didnt want to drop any interest, fees or charges. When I got back on my feet and got a stable job, I started to pay till this day. I think it is unfair I have to pay all those fees, charges and interests on the loan when I didnt have the funds during those years when I was not working. 

My orginal loan was XXXX When I finally started to pay it off it was as high as XXXX XXXX XXXX Loan Status : REPAYMENT Disbursement Information Disbursement XXXX Loan Program : XXXX Owner : XXXX Guarantor : XXXX XXXX XXXX XXXX XXXX AT XXXX Out of School DateXXXX Interest Rate Information Interest Rate:5.99 % Interest Rate Type : STANDARD VARIABLE Subsidy : NON SUB Loan Balance Original Balance : {$28000.00} Late Fees : {$0.00} Unpaid Interest : {$130.00} Principal Balance : {$33000.00} Payment Information Monthly Payment : {$360.00} Repayment Plan : Standard Repayment Term:131 Months Expected Payoff DateXXXX Due Date Information Next Due DateXXXX  Days Delinquent:0

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is a complaint against the credit agency Experian, directed to the department of special affairs, today, XX/XX/XXXX, XXXX XXXX, being on a call with this department and the agent who answered the call had a disrespectful, rude and used sarcastic words to mock me, I tried to tell her why she had that attitude towards me, and in a rude way she told me that I didn't have to tell her what she should do and that I was very aware of how things are done in her work, she went under threats with me. She told me that this account that you are disputing will never be eliminated until we and the credit agency decide, once she said that I decided to make this complaint because I feel that my identity and my credit is compromised with that agent and that department. The most threatening thing she told me was " we have to treat certain clients rudely, special clients like yourself. '' Never in my life has a credit agency mistreated me, I feel stressed, worried about this incident, in case the credit makes me nervous, this department treats me this way. I just ask that this conversation that I suppose has been recorded is supervised and that they take action on the matter, because I can also take legal action against Experian for damages. Whatever the situation, she did not have to speak to me in that tone and in that way, so disrespectful.

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 2018-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm being sued by Bank of America. I used to get statements in my email. However after I moved to XXXX in XX/XX/XXXX I no longer had access to the XXXX email account. I tried for a year to get Bank of America to send me a statement.

I talked to a lawyer who said my only choices is to loose the case or try and work out a payment plan.

I've been trying to get help with this is due for a long time and no one seems to help. How can I be sued when a creditor broke the contract. I did fall on hard times and trying to get back on my feet. This is the last thing I need right now.

The court date is XX/XX/XXXX. The magistrate court lied to me about me getting the case transferred to XXXX where I moved too. 

I can not get to XXXX to fight the case. I just need help. Please.

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 2022-11-17
Company: EQUIFAX, INC.
State: NJ
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 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 explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Collection Information Bureau, Inc.
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:
I submitted a complaint and asked for this collection agency to provide me with validation of debt. According to Section ( 609 ) of the Fair Credit Reporting Act. I can request documents that prove that this is my debt. This gives me protection of consumers against false and erroneous reporting. This collection agency sent me an in-house letter that provided dates of service that they stated I visited XXXX XXXX. I have no records or statements from the original creditor. I am submitting this complaint due to this company not sending any documents that prove this is indeed my debt. I would like the information provided by the original furnisher to your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I always have issues with the founds in the account do to balance or checks not being drposit on my accoint the day they said it was going to be there.

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 2023-02-16
Company: Selene Holdings LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX now says that because that 1 page of my modification with XXXX was not signed or filled out by the notary, that my modification is denied. I got a call from XXXX XXXX in their escalation department I asked for a copy of the documents that he had and he was to send them via email but at this time they have not shown up. 
I have been through the documents I have, and the document he is talking about is not there, The only document that was not signed and I could not signed because it had my late Mother 's name on it was the Assumption of the loan document. 
XXXX had control of all the documents from XX/XX/XXXX until they sent them to XXXX sometime in XXXX. At no time did XXXX ever call me or notify me that something was missing from the documents I had submitted. 
XXXX, themselves never looked at the documents until the last 10 days and now they say my modification is denied, but they have yet to produce these docs or this 1 incomplete document. Further more, I have a Covid, forebearance in place and neither XXXX nor XXXX has yet to correct all the accounting, on the loan, I have shown both Shellpoint and XXXX the insurance on the property that it is paid by the XXXX fees, and yet neither have ever credited or removed the forced insurance they placed on the property. 
When I called this AM with XXXX XXXX  XXXX XXXX, on a recorded line and asked to speak to XXXX XXXX XXXX or his supervisor we were told that XXXX could not speak to us because I have filed a complaint with CFPB, then there was a change of mind and XXXX would call me back, as of this evening, I am still waiting. His supervisor, XXXX XXXX, has not. 
Further more XXXX is telling me to pay {$100.00}, XXXX to reinstate my loan or they will foreclose on XX/XX/XXXX. After the CFPB says differently and a payment plan should be worked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Experian Information Solutions 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2017-12-06
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2017, my credit card was auto-drafted without my awareness. I did not receive a bill or notification from Golden One Credit Union for the amount due until after it was reported 30 days late. The debit was paid in full upon receiving notification of the amount due.Furthermore, I have never been late in the past, nor have I ever carried a balance on the account.

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 2022-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
in accordance with the fair credit reporting act, Capitol One has violated my rights. Under 15USC1681 Section 602 States I have the right to privacy. 15USC1681 Section 604A Section 2 Also states a consumer reporting agency can not furnish an account without my written consent or instructions. Under 15 Unit C 1666B A Creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Evening, On XX/XX/XXXX, I entered into a loan modification with US Bank in order to stop foreclosure proceedings. My original loan was {$30000.00}, which was singed on XX/XX/XXXX. 

In XX/XX/XXXX, I called for a payoff and it stated that around {$78000.00} was due. 

I spoke with a representative on XX/XX/XXXX and she stated that all unpaid mortgage payments and interest that caused the loan to default are added into the fees due in the loan modification total. 

In the loan modification documents, I see that {$40000.00} was added for capitalization. 

I have sent two emails, which have remained unanswered, requesting an itemized breakdown of all fees-attorneys, back fees, capitalization, etc. 

When I signed the modification, I assumed the {$78000.00} would be the total due if I kept the loan out for 30 years. 

Is there anyway to look into this as possibly being predatory lending? 


Thank You, 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 2018-08-29
Company: Convergent Resources, Inc.
State: IL
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:
My name is XXXX XXXX. I just turned XXXX on XX/XX/2018. I checked my credit 2 months after I made XXXX and noticed a collection on my credit report. I have never had any credit beside my mom credit card. This company Convergent is saying I owe money to XXXX from 5yrs ago. 
This is not possible because I was XXXX at the time. I disputed the charges and its still reporting on 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 2022-04-11
Company: Brightfunders, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Homeside Financial saying that the servicing of my mortgage was going to be transferred to Lower XXXX as of XX/XX/XXXX. I was given a number for lower, when i called XXXX there was a recording saying that if I had automatic payments set up, I didn't need to do anything but it may take a few days longer for my payment to be posted. As of XXXX it had not posted so I called the Lower number and was told that the transfer did not occur over the weekend and that it was still with Homeside. Latere that evening I received an email from Lower stating that the transfer didn't go through, but not until well after my phone call to them. I logged on to my homeside account and the payment still had not been posted. I called Homeside ( also on XXXX ) and they submitted the payment for me that was due XX/XX/XXXX and also reset my account to automatic payments. I asked about the interest from XXXX to XXXX and she said she had put a note in the request that I didn't think I should have to pay the interest for 4 days because they stopped my automatic payments. I was told it would take two days to post. As of XXXX my mortgage payment still had not posted, so I called again. I was told it would process that evening. XX/XX/XXXX my payment still has not processed so I phoned again. She said that the payment was just submitted on XXXX and it would take two days to post. I told her that it was submitted on XXXX and not XXXX. What happened to the payment from XXXX? she said that I should have been told it would take 6 days. So why was it 6 days on the XXXX when I called and two days from f the XXXX. I asked her about the interest that has accrued since XXXX and she didn't really answer me but said my posting date would be XXXX. I also have yet to receive any letter from Homeside saying that the transfer of servicing never occurred. I have this week until the grace period is over for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

1

5 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 an account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-26
Company: Experian Information Solutions 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 information incorrect

Complaint:
Accounts on my credit report are not mine. They are unauthorized and 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 2020-03-26
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I have an email confirmation that revoked ACH withdrawals from this Company. They waited 3 months and began the withdrawal again. 

The confirmation was dated XX/XX/XXXX. They resumed with withdrawal in XX/XX/XXXX. The withdrawal was for {$220.00}.

Company response to consumer: Closed with explanation