BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XX/XX/XXXX my wife and I had to file bankruptcy. At that time my mortgage company ( XXXX ) and my Lawyer advised us to re-mortgage our home. The mortgage was explained as a 30 mortgage with paying the bulk of the interest up front as interest only for the 1st 7 years then switching to a principal/interest loan for the last 23 years to pay off our house, because the bank was taking a larger risk with refinancing to us with the bankruptcy. We figured no big deal due to the fact interest has to be paid regardless and we'd be paying most up front. Fast forward to present time, My mortgage has since been sold to Fay Servicing. I've paid the 7 years interest only but now they are still taking almost {$1000.00} for interest and only {$60.00} for Principal. I called to find out whats going on and was told that its an interest only loan and whatever isn't paid off in 30 years I'll owe that money still. I've been paying a bi-weekly until XX/XX/XXXX and my mortgage has come down {$22000.00} in almost 13 years of paying on it and {$19000.00} out of that {$22000.00} came from my extra payment a year. So in 13 years of paying my mortgage only only {$2500.00} went towards the principal. I still owe {$220000.00} and id need to pay {$1000.00} towards principal and {$0.00} towards interest to pay off my house in time. So basically my Lawyer and mortgage company took advantage of my wife and I at our lowest point where we were depending on him ( Lawyer ) to protect and advise us on what to do. Now our mortgage has been sold and lawyer has passed away, So I reached out to the Attorney Generals office and was advised to call you guys and file a complaint due to the fact that this type of mortgage is partially responsible for the housing market crash of XX/XX/XXXX and is almost illegal now. Thank you for your time and anything you can do to help will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My sister keeps getting Notifications on her credit report with my name on it which is XXXX XXXX.Shes getting notifications with my name on it in my past telephone numbers and anything that is in my name is affecting her Social Security card and her credit report my sister and I are twins and we are One Social Security number off from each other so whatever I do is affecting her credit And she is blaming me for fraud.

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 2019-08-13
Company: Experian Information Solutions Inc.
State: IA
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:
The following collection account is a fraudulent account and is not my account : XXXX XXXX XXXX, {$970.00}. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and XXXX   from the above Debt Collection Company. Thiss so unwarranted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: LEXISNEXIS
State: AL
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:
Lexis Nexis engaged in abusive FCRA tactics by refusing to remove a inaccurate account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
My discover card statement was automatically deducted from XXXX checking, in the amount of {$380.00}. I downloaded the statement and when i calculated the numbers i came to a different amount of {$350.00}. 
these are the amounts from statement. 
XXXX {$37.00} XXXX XXXX {$10.00} XXXX gas XXXX XXXX XXXX this is a credit to acct. I returned merchandise. 
XXXX {$8.00} XXXX gas XXXX {$290.00} XXXX tires XXXX {$380.00} direct pay full balance. 
If you want I can e-mail the.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The CHASE CREDIT CARD company is driving me crazy. My CHASE account was closed by the CHASE CREDIT CARD company On XX/XX/XXXX on purpose. The reason is : On XX/XX/2020, I paid the full balance for my account with my XXXX  debit card, and I got the confirmation email from CHASE. But CHASE CREDIT CARD company CANCELLED my payment without any message. 

The consequence is that the CHASE CREDIT CARD company put the interest charges on my account.in XXXX XXXX, XXXX, for ever, even if I paid the statement balance in full. I can never pay them off. 

The original message from CHASE CREDIT CARD company is as follows : I will be happy to assist you with the interest charges on your account. XXXX, your email has reached the highest level of escalation. even though you paid your XX/XX/2020 statement balance in full, your XX/XX/2020 statement balance was not paid in full by the due date and interest charges continued to accrue on your revolving balance between the date your statement was issued and the date you paid the statement balance in full. This interest charge, often referred to as residual interest or trailing interest, is reflected on your XX/XX/2020 billing statement in the amount of {$24.00}. Interest accumulates daily but is not charged to your account balance until the end of the billing cycle. If you carry a revolving balance, you may notice residual interest charges on a newly generated statement after having paid your prior statement balance or Interest Saving Balance in full. These charges accrued between the date your prior statement was issued and the date it was paid. I regret to inform you that we are unable to reverse the interest charges of {$24.00}. We appreciate your business and thank you for being a Chase customer. Thank you, Chase Email Servicing XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: MN
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 am a victim of identity theft. The following accounts and credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report are all fraudulent and do not belong to me : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX. I been receiving phone calls at my home and employer of profane and vulgar language, abuse, legal action, job loss, jail, prison, threats of violence and death from the above creditors debt collection representatives. The above creditors are in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: The J. G. Wentworth Company
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
jG Wentworth are constantly contacting me trying to sell me services. I've told them over and over to add me to the do not call list and to that I am not interested, but they continue to harass me through phone, email, and mail. They constantly change/disguise their phone number. This has been going on for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I contacted pennymac today XXXX and asked to uave PMI removed from my FHA mortgage since it had been over 2 years and my LTV is below 80 %. They stated that i had to have PMI for the entire life of the loan. 

I dont belive this is true. 

Please advise my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Navient Solutions, LLC.
State: FL
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:
I requested to have my 21 federal student loans consolidated into one account. Navient is the new servicer and has not provided a correct accounting of the total amount due. I made a payment to the previous servicer that Navient charged me for as well as another fee that was not explained, I assume it is a processing charge. Finally there is a credit amount that does not equate to anything and has no explanation. I have requested on multiple times and even provided them with the account details provided to me by the previous servicer. However, Navient seems unable to explain these figures to me. How can they be a financial services company and provide no explanation of the financial accounting of their products?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
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:
I have erroneous reporting by XXXX XXXX XXXX  on my credit profile. I was deceptively informed by the customer service representative that I could make lump payment for my current bill and the following month. I was not told that that was not possible that two month have to be scheduled differently. I paid {$100.00} in XX/XX/2019 thinking that I have made payments for two months and also paid {$85.00} in XXXX. It was when I was talking to a customer representative yesterday about report of late payment that I was told that the information that I could make lump payment for two months erroneous. 
Please, XXXX XXXX XXXX need to remove these two late payment from my credit file.

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 2019-08-13
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
In XX/XX/XXXX, American Express contacted my employer. I asked them not to contact me at work and to please contact my lawyer going forward. They never contacted my lawyer. On XX/XX/XXXX, I just received another call at work from American Express. Once again, I have asked them not to contact me at work and to contact my lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: SYNCHRONY FINANCIAL
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2019 and XXXX. XXXX, 2019, SYNCB/PAYPAL, on XXXX XXXX, 2019, SYNCB/AMAZON add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a dispute for fraudelent accounts. Please delete them. It has been way over 50 days now.

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 2018-06-28
Company: Alorica Inc.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX are relentless, they call my phone up to 12 times a day, and they have NEVER left a voicemail, so I dont know why they keep calling me. The only reason I even know its them is because I have to Google what number is calling me 10-12 times every single day. And then they call me today and threaten me with a fraud and a lawsuit that I literally have no idea what they're talking about. They are harassing me, and that's against the 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 2018-03-05
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: Account status incorrect

Complaint:
On XX/XX/2015 I call TransUnion to inform them that I was seeing inquiries countless amounts of inquires showing up on the my credit report. I was aware that they did have an inquire issue and that my file was possibly affected by this. None the less they did not notify me at all about this situation and when I called for clarity the Customer Service Rep was of no help. I just wanted the inquires all off 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 explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: GA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 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 non-monetary relief
Consumer complaint received 2023-06-29
Company: Experian Information Solutions 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:
Around XX/XX/XXXX I sent out a letter to Experian over several inquiries that were either fraudulent or incorrect to date Experian has removed some inquiries but have failed to remove all inquiries listed in dispute without informing me why some would be removed and not others. Experian has failed to let me know what Data furnishers they have contacted and what companies they reached out to to validate these inquiries. I have a fraud alert on my credit file so these inquiries should have never been placed on my credit file because I never verified my identity with any body that would result in a hard pull on my report. Companies include : XXXX XXXX XXXX - XXXX, XXXX XXXX/XXXX  - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX has not yet removed any of the fraudulent/inaccurate items or responded to my dispute as of yet. Disputed inquiries for XXXX include : 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 has not responded or deleted several disputed fraudulent/inaccurate inquiries as well. XXXX inquiries include : XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX  - XXXX, XXXX XXXX - XXXX, XXXX - XXXX.

Company 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 2022-12-09
Company: EQUIFAX, INC.
State: CA
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 US DEPARTMENT OF EDU ( Original Creditor : 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: NY
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:
I n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX # XXXX AND XXXX # XXXX THEY HAVE 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2019-08-13
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I received an email from a XXXX notifying me that there was a derogatory mark on my credit report. It says that I owe {$1200.00} to a company named LVNV Funding which I have never heard of. I was not notified of this prior to the derogatory mark nor was I given any information about this company. I wasnt given a chance to dispute either.

Company response to consumer: Closed with explanation