BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
fifth third bank has not paid property taxes on my property in six months.I have contacted them a number of times to no avail .Everytime we get a letter from the tax accessor they raise our escrow amount because of shortages in the amount in our escrow account .we have received letters saying we are late on our mortgage payment even though we have automatic monthly mortgage deductions from our bank account.I have called to try to get this problem fixed.we called and nobody has a clue about what is going on with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: NE
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2020-02-04
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 disputed MULTIPLE accounts with this company and they have continued to send me letters back saying my information is " accurate ''. This is untrue because i have compared all of my credit reports and the inforamtion is simply misleading ALL accross the board. Can you help me? Below are  the accounts in error : XXXX XXXX : they are reporting an incorrect/misleading high credit amount of {$16000.00} & {$11000.00}. The date of last activity is misleading as well. 

XXXX  : was placed on my credit report without any knowledge. From my understanding i am supposed to be informed or notified when something is Inserted or Reinserted on my credit report. Neither action was taken on this company 's behalf. 

Please help me fix this. these accounts are reporting in error and causing me a great deal of pain. Its keeping me from homeownership. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I started the Loan Mitigation process in XXXX, after a bout of XXXX that put me behind on all my bills. I was assigned a point of contact, who reached out to me in XXXX. I provided all documents through their online site and then again directly to the contact since it kept stating that it hadn't been received. All my documents were uploaded, and marked complete. Since that time, I've tried to contact my contact but emails come back as blocked ; calls are not being returned. I have also submitted emails to the Shellpoint mtg and NewRez mtg contact emails with botmails stating someone will be with me within 5-7 days. My point of contact is XXXX Then yesterday some person came to my house and left an envelope with my son stating that I needed to contact them since my payments were behind and that it had been reported to the credit bureau. 

I have done everything but am being blocked out and then told I need to take steps to address this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion and XXXX  are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, XXXX  is reporting the account as XXXX XXXX/XXXX  XXXX, TRANSUNION is reporting the account as XXXX XXXX  XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 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 2017-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is reporting a loan that I paid off as being delinquent. I paid the loan off in full in 2016. It is still reporting negatively on my credit. I called XXXX XXXX and confirmed that I did not have any outstanding loan balances with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have student loans managed by Navient. I had difficulties repaying my loans, on XXXX I spoke to a representative-XXXX  XXXX and was enrolled in the Rate Reduction Program for 6 months. I was told only one account ending in XXXX would not be enrolled in the program and I would have to make separate payments to this account. I continued to receive phone calls after the first payment of {$420.00} was made on XXXX. I was also told by XXXX XXXX on XXXX, that the while in the Rate Reduction Program, my account could be reported to the Credit Reporting Agency ; however after my 3rd payment I should call and have it removed. I continued to receive phone calls from " Sallie Mae '' on my caller id regarding my loan. I called on XXXX, regarding ongoing calls from Navient. When I called I explained I was enrolled in the Rate Reduction Program and questioned why I was being called. I was then told that the amounts given was not correct and a different arrangement had to be made. The new arrangement was {$360.00} monthly and account ending in XXXX would be paid separately each month. On XXXX-I received an alert from the Credit Reporting Agency indicating that my the was 30 days past due. I contacted Navient and was told that I needed to send a letter to their Credit Bureau office. Approximately a week later, the negative item was removed from my credit reports before I sent in the dispute to Navient. Then on XXXX, I received an alert indicating that Navient reported my account 90 days past due. I immediately contacted Navient and was transferred to the " Federal Loan Department ''. I spoke to a representative in the " Federal Loan Dept '' ( Representative XXXX ). I was told the account reported was my Federal loan and not the private loans. I was told that when I made the arrangement for the Rate Reduction Program, it was only for the private loans and they " can not see '' the federal loans ; although all my loans are managed my Navient. I was never told that the federal loan was being managed separately from the private loan. In the past when I enrolled in an income based repayment plan all loans were included in the plan. I had several phone conversations with Navient and at no time was I made aware that they could not " see '' my federal loan. When I explained to the representative that this was not explained to me ; he was dismissive and indicated that it would be very difficult for me to have this negative item removed from my credit report. This is an ongoing situation with Navient where conflicting information is given to customers by their representatives. This situation is stressful, time consuming and I feel hopeless. I took the necessary measures to responsibly take care of my account only to be provided conflicting and misleading information. I appreciate your attention and assistance in this matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
Ive tried again contact with XXXX  Trans Union and XXXX Ive submitted documentation along with the police reports and complaints still no response at the 30 days I need this immediately resolved I have a family Im trying to take care of them trying to get my credit out of the hole this is hurting my future Please remove the inaccurate information That can not be verified that I apply for Here is the list as follows as result in identity theft DeptedXXXX Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX Account type Installment Not mine never applied for student loan Us Dept Ed Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX These are inquiries that are fraudulent I never used I never applied I would like these investigated and removed I waited 30 days already still no response Inquiries Name Type XXXX XXXX XXXX XXXX  Individual XX/XX/XXXX XXXX-XXXX Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual 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 explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 purchased a vehicle that I had previously leased from an automaker ( XXXX  ). I had attained financing thru my credit union and negotiated the purchase of the vehicle but because of ineptitude at the dealership a financing account was established with XXXX also. As I did not try to start an account with XXXX I informed them and did not pay on that account. They did not close or deleted the account and so it went into default. I contacted XXXX and notified them of this fact and they corrected the situation ; closing and deleting the account. I notified the credit reporting agencies of this error asking that they delete the incorrect account information. TransUnion never deleted the error and then went on to claim that the disputed information was in fact verified as accurate when I submitted a dispute to them. The other credit reporting agencies were able to delete the incorrect data but not TransUnion as it seems.

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 2023-05-03
Company: Experian Information Solutions Inc.
State: RI
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 checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX Bankruptcy XXXXXXXX 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 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 2020-09-10
Company: WELLS FARGO & COMPANY
State: VA
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:
Ive been disputing this wells fargo account with XXXX  for about a year now starting with date XX/XX/19 item was removed and deleted and placed back on my credit and the account number is XXXX amount showing before deletion was {$140.00} police report was sent also with report number XXXX for identity theft dispute report number XXXX wells fargo refuses to send me information on why this continues to be reported and has not responded to my request for 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 2018-05-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This is a complaint for being deceived and unfairly treated by not receiving a promotion that was promised and inaccurately and unfairly having a negative report on my credit report UDAAP and FCRA : 1 ) I obtained a XXXX Chase card ending in XXXX in XX/XX/2017 during a promotion in which people who sign up are given a XXXX companion pass. I had just moved to XXXX XXXX and was in the process of moving from one short term residence to another. Because I had not yet settled in a location I used my old XXXX address for applying for the card. After confirming with both Chase and XXXX that I would receive the companion pass if I signed up, I obtained the card expecting the pass. 

After a month I called to confirm I would be getting it and was assured I would be. After 3 months I called again and was told that I would not be receiving it because my address on file was not updated to my XXXX   address. 

I obtained and used this card under the impression that I would get the companion pass but never received it. 

I was also unfairly treated because other people who signed up have received this pass but I have not. I would like to receive the pass. 

2 ) After being told that I would not be receiving the pass, I paid my balance and cancelled my account. 2 months later I noticed that I was charged a late fee and called to investigate. I was told that I had received a charge after closing the account and that the account was opened. The person I spoke with assured me he would remove the late fee ( which he did ) and that this would not be reported to the credit bureaus. However after further discussion with another representative, I realized that this was not the case. 

-- I would like to ensure that any negative report made on my credit be corrected and to receive the companion pass that I was promised for signing up for the card. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: PNC Bank N.A.
State: KY
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:
PNC Bank [ CreditorName : PNC BANK Account # : XXXX ] reports 3 different dates under date of last activity even after their verification, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: JPMORGAN CHASE & CO.
State: TX
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 rewards from credit card

Complaint:
JP MORGAN CHASE CREDIT CARD REWARDS COMPLAINT On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was in the process of redeeming my XXXX reward points on the Chase Sapphire Preferred credit card when the online system kept on returning an error message each time I was ready to execute the final checkout step. My points are worth {$5200.00} if redeemed for air travel. The error message on the screen informs customer to call the customer service number on the back of the chase credit card. 

However, once the customer service picks the phone, they transfer customer to the travel agents. The travel agent then prefers to complete my booking manually and gets the same error message from their side. The travel agents then transfer me back to customer serviceand the run around recycles. The courteous travel agent decided to transfer me to a supervisor at that point. 

I decided to file complaint after three rounds of the same results when the initial supervisor ( XXXX ) concluded the problem was not with the Chase Rewards systembut was with the vendor ( XXXX XXXX ) and therefore it was best for me ( the CUSTOMER ) to call the VENDOR directly to book my trip. I was at loss of words and after much thought requested to be transferred to the CEOs team charged with handling complaints but was instead transferred to another supervisor ( XXXX ) who understood my problem but could only give me a fax number to the CEO team. 

In my opinion, Chase Rewards online system has a glitch that they need to fix before it becomes a big thing. Also, one may begin to wonder if they Chase IS deliberately trying to fleece customers of accumulated points ... ironically, I don't believe Chase has liquidity problems. 

Thank you, MEMBER-CHASE SAPPHIRE PREFERRED CREDIT CARD

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My wife and I obtained a {$30000.00} HELOC from XXXX XXXX on or about XX/XX/XXXX. On or about XX/XX/XXXX, XXXX XXXX sold the loan to XXXX XXXX. ( see letter from XXXX XXXX, attached. ) Contemporaneously, XXXX XXXX transferred the servicing rights to Rushmore Loan Management. ( see letter from Rushmore Loan Management, attached ). 

On or about XX/XX/XXXX, my wife and I applied to refinance the HELOC with XXXX XXXX ( now Truist ). As part of the underwriting process, XXXX had a third-party vendor run a title search on our property. The title search revealed that on or about XX/XX/XXXX, XXXX XXXX recorded a lien against our property in the amount of {>= $1,000,000}. ( see attached email from XXXX, with title excerpt. ) The only secured loan that we have ever obtained from XXXX XXXX is the {$30000.00} HELOC ( though we have an unsecured credit card with them as well ). XXXX XXXX has never sought or obtained a judgment against my wife or me of any sort, let alone for $ XXXX. XXXX XXXX has no basis for encumbering our property with a $ XXXX lien. 

XXXX understandably refuses to complete the refinancing process until the $ XXXX lien is removed. I have sent written requests to XXXX XXXX, XXXX XXXX, and Rushmore requesting that they remove the lien. I have not heard back from any of them, and to my knowledge my property is still encumbered with a $ XXXX lien. 

I would like to resolve this matter expeditiously and out of court, so I am once again asking that the lien be removed from my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One called me regarding a request I put in about rewards miles and called me by the wrong name, likely had a different customer 's info up on the screen at the time. It took over 2 weeks to have their executive resolution team contact me to  address. Since then, capital one continues to promise call backs and fails to do then. 4 times I was promised a call back in 24-48 hours and the call back never came. Agents and even managers hang up the phone in customer 's face. Company has  TERRIBLE service across the board.

Company response to consumer: Closed with non-monetary relief