BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/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 2017-08-11
Company: AES/PHEAA
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My income-based repayment plan was up for it 's annual renewal in XXXX and I submitted an application to continue the repayment plan to both of my federal student loan holders at the time, FedLoan Servicing and XXXX. Shortly thereafter, I received notice that the loans held by XXXX were being transferred to FedLoan Servicing to consolidate servicing of my loans. The loans showed up on FedLoan Servicing 's end in XXXX, I believe. To my knowledge, my request to continue income-based repayment was never processed by either company. I have contacted FedLoan Servicing multiple times regarding this matter. On XXXX XXXX, I received an email from a " XXXX '' at FedLoan Servicing, telling me that they were waiting to process my request until a {$5.00} payment was made on my account, although they had never communicated this to me officially. I made the {$5.00} payment online that same evening. I did not receive anything showing they had processed the repayment plan renewal, so I emailed them again on XXXX XXXX to check on the status of my request. On XXXX XXXX, they responded that I needed to allow 7-10 business days to process the request, and that 10 business days was XXXX XXXX. The request has still not been processed, or at least I have had no communication from the company stating that it has been and they appear to be billing me under standard repayment. My bill was due in the amount of {$280.00} for two of my loans on X/X/2017. I did not pay them and told them that I would be contacting you about the issue, and that I would not pay it until they processed my request. I have not heard back from them. I have two questions at this point. Can the CFPB require them to process my request for income-base repayment? And secondly, is there any way that I can have all of my federal student loans transferred over to my prior servicer, XXXX? They were much easier to deal with than FedLoan Servicing, and I never had any trouble with them. If possible, I want to change all of my loans over to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my house XXXX XXXX, 2007 from  Washington Mutual BankXXXX XXXX and I was foreclosed on BY JPMORGAN CHASE BANK. I defaulted on my payment. JPMCB modified my loan a couple of times, but due to a string of major injuries, I defaulted on them also. I again summited doc to prevent my home from going into foreclosure, but after 5 -7 submittals, I was denied. The following day I received a letter of default without any notice. I researched on the procedures on foreclosure and have strong evidence JPMorgan illegally ( Fraud ) foreclosed on me. First, they did not contact me 30 days prior to starting starting the foreclose process. 2. They didnt file and record assignments properly. 3. Washington Mutual Bank is holder of the Title, Not JPMorgan Chase Bank. Chase has no right to foreclose my house. In addition, there is a settlement agreement in place. I Requested documents from JPMCB for my account log for the loan. It clearly shows {$440000.00} was credited to my loan account three days after I signed my promissory note. Basically, funded my loan. I researched and know enough how the banking and court system works. To protect myself, I filed a UCC Financing Statement with the county recorder of XXXX CALIFORNIA and with Secretary of the State of CALIFORNIA. The acting trustee ignored the lien and still went ahead sold my house in a trustee sale. The trustee knowingly sold my property with a clouded title. Now the person that bought my property way below market value then turned around and put it up for sale XXXX when I did all the work with my energy. But now he cant sale the property, I hold the deed of trust. Now my family split up because we cant find a place to live that can accommodate all of us, a family of XXXX. I would like to resolve this quiet and easy without dragging it in to court. We have suffered enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: BARCLAYS BANK DELAWARE
State: CA
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:
On XX/XX/XXXX I was charged {$27.00} for a returned check fee on my closed credit card account. They explained that they had sent me blank checks and someone had tried to cash one. I explained that I had received no checks and I certainly didnt try to cash one.I called after receiving the statement and spoke with XXXX ID # XXXX. He said someone would call or email and they didnt. I called again XX/XX/XXXX. Spoke with XXXX. I sent a written response following the statement instructions. Called XXXX. They removed an Additional late charge of {$27.00}. Said the {$27.00} was being investigated. Now I received a statement saying I owe {$56.00}. This is for Barclays XXXX  XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, CA 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 2021-02-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've submitted paperwork TWICE to the mitigation department and have not gotten any response. I have applied for a loan modification over 30 days ago. 

When I call, they give you the runaround. The lender is supposed to be helping people with government backed mortgages and is not operating in good faith.

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 2018-02-13
Company: FIRST NATIONAL BANK OF OMAHA
State: OH
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 I purchased a letter writing service from XXXX. I received little communication from the company. On XX/XX/XXXX I requested a refund. On XX/XX/XXXX I received a response from XXXX the owner stating " sure, no problem ''. I have consistently tried to contact the company who has now taken down their main website stating that they are no longer receiving new customers. Over the months until XX/XX/XXXX I have requested my funds be returned to my credit card. At which point I finally told the company that I was going to contact my credit card company and dispute the charges. Now my credit card company is penalizing me for trying to work this out with the company by saying that the purchase was too long ago and I can not dispute it. This charge is for {$490.00}. I do not have that kind of money to just throw around! The company still hasn't responded and there is no one looking out for me here. I have saved most of the email correspondence between myself and the company which my credit card company never even asked to see.

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 2021-02-23
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
With Lowes Account numberXXXX XXXX XXXX XXXX, was arbitrarily closed as of lat XXXX or early XXXX of 2020. How do I know this i went to try and buy items for my grill. I had paid the card down at least {$800.00}. But Lowes or Synchrony saying I had to many revolving accounts closed my account. the {$330.00} was interest they had slapped on. and a Service rep has told me that it was just interest and they would 0 it out. later they said I owed between {$180.00} and {$200.00} because their supposed interest is just an estimated amount. I was locked out of my account tried to pay {$180.00} but was locked out and the rep said I could not pay over the phone why because the account was closed now as of XXXX they say I owe {$550.00} which is fraud interest fraud late fees and fraud statement. This card was closed by Synchony Lowes in XXXX of 2020. If they persist I will write to the credit bureus and contact an attorney for Damage to my credit by them. for fradulent billing and collections.

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 2021-02-06
Company: Atlanticus Services Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Aspire calls 3-4 times per day or until i answer the phone. This is harassment. I have XXXX XXXXXXXX  and this is making me have XXXX XXXX. I want compensation for harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-10-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I filed a CFPB complaint with XXXX XXXX, XXXX, Equifax and XXXX about false and inaccurate information. XXXX XXXX  is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 50 days to be EXACT, to make the correction and since they have not I am demanding that the tradeline XXXX XXXX  be removed from all of the consumer reporting agencies that they are reporting to. 

I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which XXXX XXXX is claiming that it is a loan, which is proof that the information is false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
State: MS
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 have been disputing this account since XXXX. It was changed to charge off/ paid for less than full amount However that is NOT ACCURATE! 
It also reports different Closed Dates on all 3 of my reports, one report has XXXX, one has XXXX, and one has XXXX. The payment history is also inaccurate! Ive been fighting this for 2 years! Theres 2 different creditors being reported, though it may be the SAME COMPANY, the reports show One In Nevada and one shows XXXX. They only UPDATE it each time .... 
nothing about this account is ACCURATE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Due to the Covid pandemic, PNC and other banks were offering a 90 day forbearance, with the possibility to extend up to 180 days. On XX/XX/XXXX, due to the fact I was not working, and collecting unemployment, I applied for the 3 month forbearance. The girl I spoke to on the phone told me to fill out the online application, which I did. They were supposed to send you a confirmation in the mail which I never received. I called to see what was going on with my application on XX/XX/XXXX, and spoke to XXXX XXXX, and he said he was reapplying for me, and going to route it to the people that will take care of it, and to call back to make sure. When I called back, I spoke to XXXX who told me it was still processing, and she will put in for 2 more months for me. That would be 5 months up until XXXX, and I told her that would be good because I may be going back to work in XXXX. It was very clear on that phone conversation that's when it was for. I got late bills, and when I called the line of credit department, they submitted a complaint. The woman in the complaint department said it was only for 1 month in XXXX that I was offered, which is not true. It's even online for 90 days, and I'm sure 90 days was the law. When I asked to listen to my phone conversations, she said I couldn't. Now I am 2 months late, with another payment due this month, and I still am out of work. I do not understand why they keep telling me it was for 1 month, when I applied for 3 in the very beginning. I was told that on the very first day I applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: GRANITE STATE MANAGEMENT & RESOURCES
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: Account information incorrect

Complaint:
XXXX continually lowers my XXXX score by mis rating and connecting a Gran9te State Management Account, Interest is accruing, but loan is not due payable for 6 months yet, I can not pay interest until payment is due ... this is incorrect, and they need to stop this baloney

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX, offers me for XXXX XXXX on XX/XX/21, tells me that I sent my bank data from USA, to make the payment, I proceed to send them my BANK OF AMERICA data, but it is not until the day XX/XX/21 that the person confirms that they had already made a deposit and that they had deposited more than the amount, {$6000.00} ( the amount to be canceled was {$2400.00} ), that I verified in the bank, I proceeded to verify in the bank and it was the money available ( in my checking account of BANK OF AMERICA ), not blocked, {$6000.00}, I inform him that there is correctly {$6000.00} as he informed me, he tells me that the difference will please return it to him and he gave me the account numbers in use of BANK OF AMERICA also to return them, I proceeded and returned the surplus, one for transfer {$2500.00} and another for XXXX {$1000.00}, on XX/XX/21 at around XXXX XXXX  the bank sent me an email telling me that I had a balance negative on the account, I log into my account and realize that the deposit is After being withheld, I call the bank and they tell me that a check was deposited and that I must wait until the next day for it to finish clarifying the status of the check. The next day the full deposit that had been made to me of {$6000.00} was reversed. I called the bank again, I explained the situation to them, so that they would please reverse the 2 transactions that I had made for {$3500.00}, they tell me that they will take the scam case and the transactions enter into dispute and that it can take from 10 to 90 business days. On XX/XX/21 I check the deposit through the BANK OF AMERICA online banking and I see that the deposited check is from the XXXX XXXX XXXX  of a company in XXXX called XXXX XXXX XXXX. I looked up their phone number on the internet and called them, asked for an email, and sent them copies of the deposit and the check. So far the company has not responded to me and neither has BANK OF AMERICA XX/XX/21, 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 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion reporting inquiries and closed accounts on my consumer report i did not consent

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 2022-07-10
Company: Avant Holding Company, Inc.
State: GA
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:
I was charged for a payment sent to an individual, XXXX in XXXX XXXX . I called to close my account and report the fraud. So far it looks like i will have to pay it unless something is done about it. Something fishy is going on. 

- {$97.00} XXXX XXXX CO

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: NC
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'VE BEEN IN CONTACT WITH THE EXTENDED SPECIAL SERVICES FRAUD DEPARTMENT WITH EXPERIAN AND SHOWED THEM PROOF WITH A POLICE REPORT, COURT DOCUMENTS, FTC REPORT AND XXXX  FROM THE PERSON WHO STOLE MY PERSONAL INFORMATION. EXPERIAN STILL WANT TAKE THIS LOAN OFF THAT IS FRAUD, BUT THEY REMOVED THE INQUIRE THAT OPENED THIS LOAN AS FRAUD AND BLOCKED IT AND REMOVED IT AND PUT A FRAUD ALERT ON MY CREDIT FILE. THE OTHER 2 CREDIT BUREAUS REMOVED THOSE ACCOUNTS AND BLOCKED IT. BUT NOTHING I SHOW EXPERIAN FRAUD DEPARTMENT IS NEVER OOD ENOUGH. IM XXXX AND RETIRED XXXX XXXX  IN NC FOR OVER 28 YEARS AND I'VE NEVER SEEN BANKS AND CREDIT BUREAUS ACT THE WAY THEY ACT. I WANT THIS ACCOUNT REMOVED ASAP PLEASE OR I'LL HAVE NOT CHOICE TO FILE PAPERS UNDER THE FAIR CREDIT ACT, BECAUSE I STILL HAVE NEVER RECEIVED ANYTHING CONCERNING THIS LOAN EXCEPT HEAR SAY FROM EXPERAIN AND XXXX XXXX. PLUS THE ACCOUNT WAS OPENED UNDER A FRAUD ADDRESS IN SOUTH CAROLINA AND EXPERIAN DID REMOVE THAT ADDRESS AS FRAUD BUT THAT WAS THE ONLY ACCOUNT ON MY EXPERIAN CREDIT FILE ATTACHED TO THAT FRAUD ADDRESS, SO WHY WOULD THEY REMOVE THE ACCOUNT. PLEASE REMOVE

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