BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-23
Company: AES/PHEAA
State: MA
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:
Received notification on Saturday, XX/XX/XXXX that read : " YOUR STUDENT LOAN IS ABOUT TO DEFAULT! 
WE CAN HELP! 
CALL US TODAY ( TOLL FREE ) AT ( XXXX ) XXXX. 

Contact us today so that we can help you avoid the serious consequences of defaulting on your student loan ( s ). 

If you are unable to make a payment, there may be options to bring your account ( s ) current as soon as today! Once current, we can explore repayment plan options to help you stay current. Calling our expert loan counselors today is the fastest and easiest way to resolve this delinquency. 

If you don't take action and your loan ( s ) default the balance will become due in full. You risk having a portion of your paychecks garnished and your future federal tax refunds withheld and automatically applied to the balance of your defaulted loan ( s ) until paid in full. On top of this, collection fees can be assessed increasing your balance as much as 15 %! 

Take action now so we can help you remain in control of how your student loan ( s ) is paid. As  mentioned above, once your account is current, we can look into repayment plans that will help make your student loan payment ( s ) affordable for the long term. 

PLEASE CALL US TODAY ( TOLL FREE ) AT ( XXXX ) XXXX. WE WANT TO HELP! 

You can also contact us via email at XXXX or via our website mygreatlakes.org. '' When I contacted the new loan holder ( AES ) on XX/XX/2018 they showed by account in good standing/current as of XX/XX/2018. 

I called XXXX XXXX on XX/XX/2018 to inquire about why I was receiving delinquency notices when the account was up to date but they claimed they could not change anything until they received the information from AES. 

I called AES on XX/XX/2018 who confirmed my account was in good standing and told me XXXX XXXX has all the information regarding my account and was unsure why they were sending me deliquency notifications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: JPMORGAN CHASE & CO.
State: MD
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:
On XX/XX/XXXX, the merchant XXXX issued a refund of {$2200.00} for XXXX charges to my account which were made through a falsified XXXX account by a minor. The entire falsified account was deleted by XXXX per their policy related to the Children 's Online Privacy Protection Act ( COPPA. ) Of this refund, only XXXX credits totaling {$310.00} returned to my card. I am still being charged {$1900.00} for nothing, as the services were retracted. I have attempted to resolve the issue on many occasions, both by contacting Chase and XXXX, and both parties at the same time on a XXXX way call. 

Those attempts of resolution on my part occurred on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX. XXXX is XXXX  % positive that the refund was issued back to Chase correctly and that they are not charging for the XXXX transactions made from the deleted account. Chase bank is still charging me for XXXX transactions totaling {$1900.00}, which the merchant refunded. 

Chase denied reconciling my account by saying too much time has lapsed and they can no longer review the errors, though they had complete control over the time lapse in reviewing the dispute. The letters I received from Chase state, " our review confirms the transactions are valid, we found no evidence of a billing error. '' This response does not even coincide with the dispute of the missing refund and is not correct. Chase will give no information about the investigation, their process, or policies, and continues to charge me for the refunded money which is in their possession from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 received my reinvestigation results back from XXXX and TransUnion. They said everything was XXXX XXXX  complete and accurate. I would like to receive the description of reinvestigation according to 15 USC 1681 i ( 7 ).

Because the list of accounts below is not accurate. The date open, date of last activity/active, and date of last payments are NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did not modify the file to report correct data or delete the inaccurate information on my consumer report according to 15 USC 1681 i ( 5 ) ( A ) ( i ).

I attach a consumer report as evidence.

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 2022-04-20
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from Freedom Mortgage to XXXX XXXX XX/XX/2022, then transferred back to Freedom Mortgage XX/XX/2022 which onboarded with a late payment due XX/XX/2022, which could not be paid nor was there any billing statement sent for from XXXX XXXX or Freedom Mortgage prior to XX/XX/2022. No communication between either servicer was provided regarding a servicing transfer until I reached out to each XXXX XXXX first to find out what was going on with my mortgage and secondly to Freedom Mortgage asking why they were sending me late payment notices without having first received account info.

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 2020-02-11
Company: Sequium Asset Solutions, LLC
State: AE
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: Was not notified of investigation status or results

Complaint:
I moved to XXXX in XX/XX/XXXX to support the US Military as a XXXX. I received notification from my credit monitoring service in XX/XX/XXXX while preparing to purchase a car that Sequim Asset Solution, LLC entered a collection on XX/XX/XXXX for XXXX XXXX XXXX. 

I never had an account with XXXX XXXX XXXX and had no prior knowledge of Sequim Asset Solutions attempting to collect on a debt. I have an account with XXXX that has been in dispute after damage to my property occurred by their installation crew in XX/XX/XXXX that they never took care of ). 

So - I sent Sequim an email with a copy of the Certified Letter disputing the account and requesting information so I can proceed accordingly. I cited both the FDCPA and FCRA in my letter and requested information on the item and that they intiate an investigation IAW the FDCPA and FCRA. 

My letter was the 'Initial Contact '. In my letter I requested Sequim Asset Solutions, LLC to provide all information as required by FDCPA. I also requested that the information be treated as a disputed and demanded that it be removed from my credit report if not validated. By Law - Sequim had 5 days to provide me the information I requested. By Law - they had an additional 25 days to complete an investigation and provide me the results and/or remove the information from my credit report ... 

I have called multiple times since XX/XX/XXXX - the day they received my Certified Letter. In each instance I have received the run around and have been told they do not have access to my letter nor any validation. I was actually told by a manager from their  company - XX/XX/XXXX that Sequim ( itself ) does not have to send me a validation and that by putting remarks in my credit report that it is disputed - that they have complied with the laws ... 

Nearly 3 months has passed. Sequim Asset Solutions has failed to comply with FDCPA Part 809 - 'Validation of Debts ' and FCRA Part 660.4 - 'Direct Disputes '.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: MS SERVICES LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received XXXX letters from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. XXXX I received on XX/XX/XXXX the other on XX/XX/XXXX. I have a RV loan with XXXX XXXX XXXX XXXX. I had missed the XXXX  day deadline stated in the letter due to the mail. Why was not a signature required with the importance of this letter? It should be the date I received the letter, not date it was typed. Both letters were postmarked XXXX, XXXX. Because I did not respond within the XXXX  days of the date of the letter, the Recovery Department of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ) turned my account over to debt collector MS Services ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) I am currently disputing this issue with MS Services. The amount the are stating is the amount owed over the course of the loan, not the outstanding balance. If I do not pay the loan amount, there will be re-possession. I have asked both parties to reverse the action to have my account back to XXXX  XXXX XXXX. I am currently making payments towards the outstanding balance to the bank. The Recovery Department stated they could not help the mail. I lost XXXX  days just getting it to XXXX. I live in XXXX. In the meantime, I was sending emails to XXXX  customer service. I was receiving blanket responses with department phone numbers. I was inquiring about speaking with someone of authority. It never happened. 

I spoke to XXXX members of the Recovery Team XXXX times. XXXX agent said other people had the same issue with the letters. I feel the issue could have been resolved that day. They told me they are in contract with MS Services and no way of getting out of it. I know with due diligence and getting the right parties involved, this can be reversed. 

Thanks for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Saturday XX/XX/XXXX, I tried to make my regular car payment to Westlake Financial Services ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX ) for the second time after the maturity date of the loan on XX/XX/XXXX. 

The payment made XX/XX/XXXX was received no issue, but today it said immediate action required and would not take payment online at www.westlakefinancial.com So I called and found out the previous 5 phone calls over a year apart first starting in XX/XX/XXXX The representatives of Westlake Financial knowingly lied about my loan maturity plan and assured my Husband and I that the car would not go out for repossession as long as we made our payments before the due date at the end of the loan and that no more fees or interest would be charged. 

When called this morning XX/XX/XXXX they said the account was 60 days past due and the vehicle was out for repossession because the maturity plan was never authorized by unknown " managers ''. 

So today the " gentleman '' that answered the phone at Westlake Financial tried to extort me for {$500.00} to resubmit the loan maturity plan that may or may not get approved now even though they repeatedly told us not to worry about this EXACT Scenario. 

This company is a scam I have found out the hard way, my car is a XXXX XXXX XXXX bought used with XXXX miles. Screwed on 29 % APR and some how after all the fees they charge we owe {$13000.00} at the end of the loan. The car has been paid for 7 years and over double the price paid for the car, and every time you call they just seem to lie. 

Especially looking at the reviews I don't know how they are still in business. Some of the transaction records show {$490.00} applied to interest and {$0.00} applied to principle of the loan

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 2023-08-22
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$50.00}.

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 explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: IN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-19
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022, I made a payment in the amount of {$400.00} on my CareCredit account owned by Synchrony Bank. According to my XX/XX/2022 credit card statement, the minimum payment amount due by XX/XX/2022, was {$330.00}. At the time this payment was made, my account had a fixed payment promotion which requires a minimum monthly payment of {$300.00}. There was also a deferred interest promotional purchase with an expiration date of XX/XX/2022, which did not have any sort of required payment. In addition to the aforementioned, there were XXXX standard purchases with the following balances : {$2.00}, {$.00}, {$3.00}, and {$87.00}. 

On XX/XX/2022, I sent a message through the online messaging center within my account to have {$95.00} of the {$400.00} payment be applied toward the XXXX standard purchase balances totaling {$93.00}. When I logged into my account to see if the payment had posted, I noticed that it had and that {$29.00} had been applied toward the deferred interest promotional purchase which does not expire until XX/XX/2022, and a standard purchase with a remaining balance of {$27.00}. This did not reflect how I had directed Synchrony Bank to allocate my {$400.00} payment. So, I called CareCredit customer service on XX/XX/2022, and requested to speak with a supervisor. XXXX confirmed she could see how I wanted my payment to be allocated and said the system automatically allocates the payments until someone goes in to manually adjust it. On XX/XX/2022, there was a {$29.00} charge and subsequent {$29.00} credit placed on my account. The {$29.00} that was applied toward the deferred interest promotional purchase balance has been removed. XXXX of the XXXX standard purchases, however, which are all interest-bearing balances, remain and should have been completely paid off with the payment I made on XX/XX/2022.

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 2022-01-13
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions 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:
One all 3 credit reporting agencies are reporting different information for my current school loans. All three 3 reporting agencies are reporting different names for my XXXX loans, XXXX is reporting it as XXXX, XXXX is reporting it as XXXX University, and Experian is reporting it as XXXX, this is all inaccurate! the loan for {$11000.00} some show XXXX XXXX monthly payment, some shows deferred, this is also inaccurate reporting for all 3 reporting agencies, for these 3 loans they all have the same account number so how is 2 of them in good stand but the third is in two reporting agencies it states collection and the other charged-off, again inaccurate reporting! this doesnt even make sense Ive never received bills but even so I am a full time XXXX student they all should be in deferred status anyway and according to the government students are in repayment status yet! Again how are loans for XXXX and XXXX in good standing but the loan for XXXX in collections? Its the same account for all 3 loans and a deferment doesnt belong in collections! I want this immediately corrected, this is ruining my credit and cause me distress as I am trying to learn to save lives I have enough stress with school! Also the highest balances are reporting lower than the balances this is also reporting inaccurately, do they even check this information before just putting it on people credit reports? Many unlawful violations are on my credit report pertaining to these loans and according to 15 USC 1681a Deinitions of Rules of Construction ( 2 ) Exclusions transactions meaning payments are a form of transactions whetted o time or late should not be reporting on the consumer report anyways so these 3 credit bureaus are breaking consumer law!

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 2022-04-19
Company: Exeter Finance Corp.
State: NC
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 filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX Comenity Bank XXXX Acct @ XXXX Called my Spouse. Number was not used to sign up for account. They disclosed they were calling for a debt with amount owed. From XXXX XXXX for Comenity Bank. They did this on two occasions after I called and notified them of the third party disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Whom it my Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I am now enacting my consumer and Civil Rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 
The following derogatory account accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be remove immediately. Do so TODAY, even right NOW! The obvious infractions are as follow : Alleging Creditor and Account as is reported on my credit report : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account- XXXX Comment : inaccurate, DATE OPEN, on my TransUnion and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines

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