BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-12
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
In XXXX 2015 and XXXX 2015, I attempted to refinance my loan through the HARP program with my existing lender Nationstar ( under their Green Light XXXX ). When I called, I specifically stated that I was just coming out of a bankruptcy and wanted to know if that would hinder my chances. I 've had my loan for 8 years and never paid late. I was told no. I also asked if the LTV on my home would stop me from qualifying for a HARP refinance. Again, I was told no. My problem is the way my application was handled. Initially, it seemed like my refinance was going to happen. The closing coordinator said everything was going smoothly, and all I needed was employment verification. My impression was that after this was submitted, my loan would not be long in funding, but then I was told that their underwriting did not like me as a prospect. After that, I kept getting told different things. First I was told by the representative that the system did n't like my loan, and the people working my loan could n't get the system to accept it. Then it was that the underwriting department did n't like me as a loan prospect because of the bankruptcy even though I was told my credit and income were not the issue. Part of the problem was that my loan with Nationstar had n't been reaffirmed after bankruptcy and that I should try to find out if I could get it reaffirmed. I called Nationstar and was told there was no need to reaffirm my loan and that it was being reported to the bureaus. After I told XXXX XXXX that, he said it was a problem with the system and to try back XXXX XXXX. I called back XXXX XXXX and my application was flat out denied. Again, because their underwriting department had problems with my bankruptcy. What does n't make sense is that the reason for denial on their letter was " value or type of collateral is not sufficient, '' even though Nationstar 's website states that they have no underwater limits on HARP refinances. I need someone to get a truthful answer as to why I was denied when I seemed to meet the requirements initially. I still have a lot of my documentation and e-mails that I can provide. Thank you.

Company response to consumer: Closed
Consumer complaint received 2019-06-08
Company: Rent Recovery Solutions
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Credit Reporting Acct # XXXX ( Rent Recovery Solutions ) XXXX XXXX XXXX/XXXX DOB : XX/XX/XXXX SSN:XXXX Dear Sir or Maam After careful review and legal counsel of my credit report/reports and conferences with the U.S and State Attoney General Offices informing them that I have never conducted any transactions with ( Rent Recovery Solutions LLC or their subsidized affiliated companies ) pursuant to the Texas Finance Codes : Chapter 392 or others codes Texas Property Code or Texas Business Codes I assume they will and continue to violate these applicaional laws if not contested in a court of jurisdiction of my State conferring of Texas or under Federal Law I am having a legal problem with Owner XXXX XXXX President & , XXXX XXXX   XXXX to-wit whom are an alleged owner of a XXXX Georgia base Collection agency based out of XXXX XXXX XXXX XXXX , GA XXXX USA primary residents and business mailing/address is purportly XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, GA XXXX. My complaint to the OAG is that this company purports to have obtained some form of leasing contracts with us the consumer of a consumer debt for charges un-validated or unauthorized by contract laws of the State of Texas thur the credit bureaus under Federal Law and refuse to present evidence of any debt in direct violation of the The Fair Credit Reporting Act ( FCRA ), 609 & 611/ 15 U.S.C. 1681 & 1982 and in addition is in violation as being a non-registered collection agency in the State of Texas Finance Code 392.101-305 this company has presented unauthorized misrepresented credit reporting material to the bureaus and needs to be audit and prevented from conducting unapplicatable law at a State & Federal Level we will also pursue this matter with the FTC. Further after extensive search this company is not authorize under law to conduct collection activities under the Texas Finance Code 392.101-306

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: GA
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:
This is a confirmation that I am disputing several fraud inquiries on my Equifax report. I tried to get a solution in the past. I sent Equifax a letter requesting to get those inquiries removed because they are killing my credit score, however I was ignored. 

All I am asking is a fair solution to this big issue : get the inquiries removed from my report. 

I have attached a document. Please send it to Equifax. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been enrolled in the PSLF program. As of XX/XX/2020, I made 120 qualifying payments. I have written confirmation from Fed Loan Serving indicating that ( see attached letter ). I submitted my application for loan forgiveness on XX/XX/2020. I was told it would take up to 90 days to process my application. The 90 days has already passed. When I emailed to inquire about the status, they now tell me it will take AT LEAST 90 days. Once Fed Loan Servicing completes their part, they send my paperwork to Federal Student Aid for additional review. This review will take up to 180 days to be completed. 

I am not sure I understand the delay. If I already have written confirmation that I have made 120 qualifying payments what could possibly take 270 days? Meanwhile, my credit report continues to show a $ XXXX  monthly obligation which is affecting my overall credit worthiness. 

It is frustrating that I have satisfied the requirements of PSLF and yet seem to be getting the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/XXXX some one hacked my account at chase and used it to make a payment to XXXX XXXX credit card in the amount of XXXX. When i called chase about this, they said it's past 60 days and that i needed to check my statements often and that i need to call XXXX XXXX. When i called XXXX XXXX, they said nothing to do with them, call Chase. So i have been on the phone with chase bank fraud team, managers, i don't even know how many people already since Friday XX/XX/XXXX and nothing has been done, i thing this is a bit crazy that my bank, who i have been using for XXXX know how many years, with 7 accounts, will not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2018-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 am a victim of Identity Theft and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of which is a charge made on my Capital One Spark Card on XX/XX/2017. I have fulfilled all the obligations of an Identity Theft Affidavit and to have this transaction erased through FCRA 605B. So I am requesting that the fraudulent charge be erased from my so I can have an accurate balance. So I explained to a representative at Capital One that all they could do was dispute the transactions. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. I have no proof to offer to support a dispute, and thus my assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. This is why I filed the ID theft affidavit in the first place this time. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. Cap One is refusing to block the transaction because of a " time issue '' but there is NO time limit on Identity Theft I have sent in an ID theft affidavit so thus this charge MUST BE DELETED if the law is followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: CITIBANK, N.A.
State: NJ
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:
XXXX XXXX Phone XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX. They are reporting a Citibank N.A. debt that was originated in XX/XX/XXXX from my XXXX husband that I never knew anything about. I never signed for this loan and I knew nothing about it. They are harassing me to make a payment but Citibank sent me a letter stating they dismissed the debt and I filled a dispute through XXXX and provided them with a letter from Citi stating that the loan was fraud and asking them to remove it from my credit but XXXX has refused to move it. On XX/XX/XXXX Citibank sent me a notice of account closure of this fraudulent account partial account number XXXX but XXXX XXXX still trying to collect on it. on XX/XX/XXXX I called XXXX XXXX, but they are still insisting I pay them.

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 2019-02-21
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I checked my account as I made two recent large  payments, one of which was canceled upon my request as it was made from the wrong bank account. I had decided to also check my account history for the life of all loans. I noticed " loan sale '' in the list of transactions and I called to inquire about it. The representative suggested I sort the history " by loan '' and I will see that a loan sale is the transfer from one service provider to another and it will not impact my balance. Sorting " by loan '' did show the additional column of " balance '' which helped me understand that my balance had not been impacted by this loan sale transaction. 

Upon further review, I noticed that on 9 different signature student loans, my entire payment being made ( one lump sum payment made and spread across all loans ), 100 % of the payment was going towards interest only from XX/XX/XXXX to XX/XX/XXXX. 

For 6 years, ( a total of 68 payments ) my payments were only being applied to interest. Over that period of time, I paid {$17000.00} in interest only while my principal balance was not impacted. I checked my wife 's account with Sallie Mae/Navient as well as my own Stafford loan I also had through this company and these loans were not treated the same way. 

My Stafford loan payment application was roughly 85 % principal and 15 % interest for the life of the loan. My wife 's loan which is the same loan type as the 9 aforementioned loans of mine, had a payment application of roughly 50 % principal and 50 % interest and had increased to roughly 75 % principal and 25 % interest later on in the life of the loan. 

I was never educated on my loan payment application percentages and I never gave permission for interest only payments for the period of XX/XX/XXXX to XX/XX/XXXX. I never made any changes on or after XX/XX/XXXX to payment application percentages. The company made these changes on their own accord without my knowledge. 

This has caused me to overpay a large amount of interest. With my principal balance not changing for 6 years, the interest on XX/XX/XXXX and after XX/XX/XXXX was based on a much larger principal than it would have otherwise been, had the payments been properly applied to both the principal and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, 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:
I have contacted Equifax numerous times over the course of the last several months. I have filed numerous disputes via online and over the phone with representatives that XXXX inquiries recorded on XXXX XXXX, XXXX, one by XXXX XXXX and the other by XXXX were not authorized by me. I also advised the XXXX XXXX XXXX  inquiry dated XXXX XXXX, XXXX was also not authorized. Equifax has refused to delete the erroneous inquiries and as a result, I have suffered undue financial adverse distress resulting in higher interest rates and was denied credit opportunity when I otherwise would have been approved. This is impacting me and my family in a negative way, it is unfair and I am demanding Equifax delete the inquires immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear XXXX, XXXX, Transunion, and XXXX  Thank you for sending me your internal records of the debt ( XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards me and trying to deny me credit in the future?. 
I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY LEASE FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, 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 2023-05-25
Company: Experian Information Solutions 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 got account that are inaccurate and need to be removed from my report asap!

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 2021-04-01
Company: HYUNDAI CAPITAL AMERICA
State: MD
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:
There is incorrect information on my reports with XXXX and XXXX pertaining to status dates of four accounts that were included in a Bankruptcy last year, XX/XX/2020. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XX/XX/2020.. when I filed for Chapter 13 bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate XXXX XXXX accounts, and XXXX XXXX finance, and XXXX XXXX XXXX XXXX. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter 13, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is 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 2021-10-05
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
This is regards to GM Financial Account XXXX XXXX. In a prior complaint, GM Financial stated that a payment was made late in the amount of {$540.00} on XX/XX/XXXX, despite our turning in the XXXX XXXX XXXX XXXX on XX/XX/XXXX ( see attached letter from GM Financial ). We have no financial record of every making any payment to GM Financial in the amount of {$540.00} in or around XX/XX/XXXX, from any of our accounts. This payment was not made by XXXX XXXX or XXXX XXXX XXXX. We did receive a payout relating to this vehicle on XX/XX/XXXX, in the amount of {$XXXX} ( check image attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: JPMORGAN CHASE & CO.
State: FL
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:
Chase has refused to provide me any details about any debt other than to say something for principal and something for fees. 
I still have not received anything about what the money is owed for. 
I was advised in person on XX/XX/XXXX that my account was being closed, I was told by the branch manager via Deputy XXXX of the XXXX XXXX office that I needed to remove any remaining funds in my account at that time or it would not be available to me the next day and that Chase would send a check with the remaining funds in the future. At the direction of the branch manager I removed my remaining funds closing my account. Then Chase left my account open without my knowledge or consent. Now they want to charge me money for something after the account was closed. I requested to be accommodated under the XXXX and for large print. Chase refused to send anything in large print until XX/XX/XXXX in which the debt is not clear at all nor what the debt is for, they only say I owe them money. I do not owe anything since I was told to remove my money on XX/XX/XXXX and that my account was closed. I was told to never return to Chase or I would be arrested. With Chase 's threat of arrest it was clear my account was closed and I was not to return because we did not have any business relationship. Now after the fact and several months later I get a letter that is not clear at all and is over 120 pages. The volume of the pages is overwhelming for my XXXX and is not clear at all what is owned for what. It appears to be an effort to distress me knowing I have XXXX.

Company response to consumer: Closed with explanation