BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

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 2017-02-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received my credit report and Sallie Mae is reporting my student loan in XX/XX/2010 late and reported me as 90 days past due. Now, there are NO other months reporting my account late. Just XX/XX/2010. How can I be 90 days late, if they are not showing any other months being late. I called and talked to Sallie Mae several times and they keeping telling me, that the information is correct and there is nothing they can do. 
How can I be 90 days past due, when there are NO other months showing me late? 
My credit has been ruined because of this. 
Please help me solve this problem, and get my credit restored. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: BMW Financial Services NA, LLC
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: Their investigation did not fix an error on your report

Complaint:
XXXX deleted the error with XXXX but XXXX and XXXX still has it on the report. Been fighting this from early as XX/XX/XXXX and latest XX/XX/XXXX. Would like for this inaccuracies to be deleted from XXXX and XXXX. 

Also with bmw financial service. The motorcycle accident was paid out fully by XXXX Don't knw why this on my consumer report and account been closed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of America 's website is misleading. I paid my bill for both credit cards and it goes to one credit card. 

On one screen it says that I have an " Overdue payment '' on one credit card. On a second screen it says I have no payment due. In the bill pay tab it says I owe an entirely different amount. 

When I called the person tells me that a lot of people are complaining about the site. 

In the meantime they are charging all kinds of late fees and added interest. 

I have been having trouble with their website and every time they make an update its worse.

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 2022-03-11
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I completed a modification packet to my mortgage company, Roundpoint Mortgage Servicing Corp. They sent me the completed modification documents in the mail. They said I had to contact them verbally to agree to it before XX/XX/2022, which I did. The first payment is supposed to be on XX/XX/XXXX in the amount of {$600.00}. Now they are trying to breech the contract, and not honor the modification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
On XX/XX/2019, I wired from my JP Morgan Chase account {$110000.00} to my wife 's account in XXXX to XXXX. 

The XXXX exchange rate that day was : XXXX US Dollar to XXXX XXXX XXXX. 

XXXX paid their own rate at XXXX XXXX to XXXX XXXX Dollar The difference that I received was a difference of {$13000.00} US Dollars, or {$240000.00} XXXX XXXX. 

I made the transfer using my mobile app, which I had used to transfer money to that same account in a previous wire transfer with no such penalty. Had I known that I was facing a HUGE discrepancy in total payout, I would NOT have made this transfer. JP Morgan Chase failed to alert me that I was in danger of losing a great amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On Thursday, XX/XX/XXXX, I went to a cafe at XXXX XXXX XXXX in XXXX XXXX, CA. I needed cash to buy food, so I used the ATM located inside the cafe. I put my card in, did the transaction, and for the machine to dispense the money, I needed to take the card out, but because my nails were too long, I couldn't get the card out, so I asked the manager, but by the time he came over to help the machine timed out and no money was dispensed. I stood there and did the transaction again with the manager 's help, and it then said insufficient funds. I called the number on the ATM, they said it was the bank holding the funds ; they had nothing to do with the money ; their just providing the ATM service. I then called Chime, and the first three representatives weren't helpful, which upset me. I was not without money, no way to pay for the food I ordered and no way to put gas in my car to get home which left me stranded ; all of this left me embarrassed and humiliated. The fourth representative I spoke with told me to send in the receipts, which I did, and she filed a dispute. I did what she asked and called back Monday, XX/XX/XXXX, to find out no dispute was filed, which again XXXX me off. The representative saw the receipts, read the notes, and filed the dispute for me. I received an email the next day that said : We take disputes like yours very seriously, and we'll be in touch as soon as possible with an update on your case. I completely understand the inconvenience you are experiencing. We are working to resolve your case as quickly as possible. Based on the nature of your claim, we will complete the investigation no later than XX/XX/22. We will notify you by email as soon as the investigation is completed. I was livid, XX/XX/22 is 3 months. I have never experienced this, this is unheard of, beyond ridiculous, and unacceptable. A simple mistake of not taking my card out ; I work hard for my money, we are in the middle of inflation, and they're stealing from people. I need my cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: LendingPoint Holdings LLC
State: VA
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 received alert from XXXX XXXX of an inquiry from XXXX, XXXX and XXXX XXXX  dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from XXXX and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. 

Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA 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 2022-07-21
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was originally with Mr Cooper. I've since refinanced and my load has been sold back to the company known as Mr Cooper. My current LTV ratio is below 80 % and my appraised amount to loan value supports this. Current market conditions have also made the value of my home substantially higher than the appraised value. On XX/XX/2022 I attempted to call Mr Cooper to get the PMI removed and their phone system gave me no options to do this nor did it give me any options to speak with a representative about this. I had to state I had payment issues to get a live person. Once connected, I asked the agent for their direct number to which she stated there was none and then transferred me. I did get to speak with an agent regarding PMI. She stated that my LTV ratio was below 80 % and I've not missed payments in the last 24 months but I would need another appraisal to get the PMI removed. I asked why and she stated that it was required from the lender. I asked why the other one wasn't good enough and she said because this was different than getting the mortgage refinanced. I sent an email the same day to their general email box asking for PMI to be removed and I received an automated email response. Their tactics of making it difficult to get ahold of a rep to remove PMI and the requirement to get another appraisal beyond the refinanced value is unfair to the homeowner especially when that homeowner has no choice but to use that lender when the mortgage gets sold between companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this Charge Off on this XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-06-20
Company: Couch Conville & Blitt LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I didn't see an option for the issue I'm having so I am describing the issue in this statement. I was notified by collection agency Couch, Conville, and Blitt of my private student loans that they are now attempting to collect a debt on. I received validation of the debt upon my request. Along with my information, the collection agency sent a list of 29 other individuals ' names, ssn, interest amounts on loans, and principal amounts on loans. I believe that this is very dangerous and I feel that if they have sent me other peoples ' personal and confidential information, that they have also sent my information out to other individuals. I feel this is very dangerous and illegal. I am looking for a resolve of the matter because I feel my information may fall into the wrong hands of someone and I'm sure if these individuals listed on the paperwork sent to me knew of this, they would be very concerned also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Common Wealth Financial, XXXX, {$1500.00} According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Collection Bureau of the Hudson Valley, 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: Information belongs to someone else

Complaint:
Collection company call me asking about another person try to collect all my info then report the account to the bureau knowing they have the wrong info I ask for proof Id social never provided. They have the wrong info and they are trying to make me paid for a account that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian XXXX and XXXX, Possibly all XXXX are reporting Public Record from XXXX and XXXX year XXXX from 2011 While my credit report shows no public record. 
However despite report reflects no public report. 
See attached copies of other sections on Experian website that reflects I do have derogatory public date report. 

Therefore on the same report. There are examples below of contradictory reporting from online Website reporting. 

What is regulatory guidelines for inaccurate contradictory reporting? I hope CFPB can help me untangle these problems so i can regain my goid credit held prior to divorce.

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 2022-07-21
Company: SYNCHRONY FINANCIAL
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal credit 's online portal would not let me make a payment. When you go to make a payment, it generates a list of banks. I have 3 checking accounts with different banks I could have used. However, none of them are options to make a payment to them on their website. This includes XXXX, the largest bank in the world. They seem to purposely preventing the ability to make a payment on debt owed because I bank with XXXX, which again, is the largest bank in the entire world and as such it could be suggested that it has a correlating popularity. 

In attempting a resolution, I'm left in a 23 minute IVR trying to get to their customer service who can not fix the situation. Hours were spent jsut trying to make a payment to them as they keep harassing me for via voicemails. 

It's 2022. I'm tired. I '' m busy. And you made me spend several hours being harassed by your voicemails, unable to make a payment with your portal, and having to try to get a hold of your customer service. So 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 monetary relief
Consumer complaint received 2018-10-31
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2022-11-16
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX Experian XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXXXXXX. I believe it was reported in error. 
XXXX XXXX XXXXXXXX Balanced Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2018-10-31
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: NJ
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:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S.Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate

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 2022-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I went on a website to fill out an application for {$50.00} and that was all the application stated. When I was charged almost XXXX I advised the company and was told to reach out to my bank as that was not the correct amount well I disputed this transaction twice and my bank is denying it. They are saying this merchant is stating this charge is valid where I showed my bank emails stating from this company that this charge was only suppose to be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: NC
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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