BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-09
Company: SYNCHRONY FINANCIAL
State: FL
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:
I created an account with Synchrony Financial services through XXXX retailer. I purchased a furniture in XX/XX/2018 and given equal payment promo for 24 months. I called the customer service of Synchrony and was told to pay only the minimum payment due so that by the end of promotional period i would have paid the entire balance with no interest. After that i made 2 other purchases with XXXX through Synchrony card. I was not told anything about the promo. I completely relied on the bank 's credibility and even setup automatic payment. Today i noticed i have been charged interest rate from XXXX of this year with out any kind of notification. When i called the customer service and told about the situation, they did not care about it and not ready to help. 
Why was i told to pay only the minimum payment due and given false promises that i would be paying off my balances by the end of promotional period. Now i feel like i have fallen victim for the bait and switch.

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 2019-07-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have learned that LVNV has listed two erroneous accounts on my credit reports. The amount for each tradeline is almost identical to the penny. These are not my accounts. They weren't my accounts. They also show as OPEN collection accounts in violation of the Fair Debt Collection Practices Act and the California Rosenthal Act. I've disputed them directly with LVNV who has refused to validate either account. I have disputed with the major CRA 's, but LVNV has " verified '' the information with the CRA but fails to delete tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Self Lender Inc
State: CA
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:
Re : XXXX XXXX XXXX Self Lender Account XXXX Dispute I wrote and called to them to request a letter of deletion for my records for this account. I have checked my credit reports for all 3 bureaus and see that the derogatory information from XXXX ( XXXX XXXX XXXX  is partner for Self Lender ) for the above referenced account is still on my XXXX Credit Report. I started this self lender account to help my credit and due to an accounting error in the 1st month, every month Ive had this account opened they reported it as 30 days late. I need this entire account removed from my XXXX credit profile completely and immediately. 
Please forward the letter of deletion to me at my fax number XXXX and also mail me a hard copy. I am in the middle of a very important real estate transaction and this information is causing significant delays. 
I spoke to someone at XXXX about this issue some months ago and the information was removed from XXXX and XXXX  but not from XXXX 
XXXX XXXX XXXX failed to properly setup the automatic withdrawal to pay the monthly amount from the beginning of the process as I requested and setup.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: CA
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 XXXX or XXXX XXXX continuously fails to report the updated balance for my account to the credit bureaus. I had to file a dispute with the credit bureaus in XX/XX/2021 because XXXX XXXX or XXXX XXXX failed to report my updated balance that showed on my statement. The same problem reoccurred in XX/XX/2021 and XXXX XXXX or XXXX XXXX didnt report my balance as shown on my statement. This has caused me to be denied for credit. Ive contacted XXXX XXXX or XXXX XXXX and they told me theres nothing they can do to fix the issue. I spoke with XXXX at XXXX XXXX or XXXX XXXX on XX/XX/XXXX at XXXX XXXX Pacific standard time in reference to the issue and he provided no resolution. This is a violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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:
I sent my dispute letters into all ( 3 ) credit bureau on XX/XX/XXXX disputing accounts and inquiries on my credit report. The bureaus told me they would have their investigation completed in 30 days. They only have 2 days left to complete their investigation and I haven't heard anything from either of the companies. I will attach my dispute letters to my compliant claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Property Address : Complaint Against : Cardinal Financial I would like to file a formal complaint against Cardinal Financial to have my escrow removed. On two separate occasions, my escrow account has been mishandled. In XXXX of XXXX, I made serval attempts ( in writing ) to request that my taxes be paid to the appropriate agencies. I was told that my taxes were paid and that the balance reflected was correct. An improper escrow analysis was completed in XXXX of XXXX and an overage was sent to me in the amount of over {$4500.00}. I questioned this statement various times and was told that the taxes for XXXX were collected during my refinance closing to set up my escrow in XXXX of XXXX and that a proper escrow had been set up and that this amount was indeed an overage due to me. 

I recently checked my escrow account to find that a large escrow amount in XXXX of XXXX in the amount of {$4500.00} was removed from my account leaving me a significant shortage for the upcoming XXXX tax bill. I was told that this was an error made on the part of the servicer and that the funds had never been removed from my escrow account for the XXXX tax year. I am now at 20 % LTV in the home loan and am requesting the immediate removal of my PMI and immediate removal of my escrow account. As a consumer, any escrow servicer that is handling an escrow account should provide accurate information in an escrow analysis to a borrower. Failure to do so can create a significant hardship for the borrower. I am seeking assistance as Cardinal Financial has sold my loan to a servicer who is acting in negligence in handling my escrow account. 

Thank you for your prompt attention. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: CITIBANK, N.A.
State: CO
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 having problems with Home Depot or THD/CBNA removing late payments from my credit report. I had always an amazing payment history with them and always made all my payments on time with them. Now I am trying to buy a house and it is affecting my credit score. The late payments for dates XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016. I always had a high balance but decided to close down the account completely and pay of the high balance. I would really appreciate if Home Depot would remove those late payments from my credit report. Thank you

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 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In XXXX, I requested and was granted forbearance on my mortgage loan with XXXX XXXX. Over the next several months, I received statements indicating that I was enrolled in the forbearance plan. Additionally, I received multiple e-mails informing me about the forbearance plan.

After a recent credit report was pulled, it was discovered that the company reported my mortgage as delinquent for 60 or more days. That is inaccurate as I was enrolled in the forbearance plan. Disclosures state that there would be no foreclosure or negative impact to credit reporting agencies during period of forbearance.

This is not the case and the loan company is unable to be reached via telephone to discuss this matter. It is simply a 1-800 number that is voice automated to answer a series of generic Q & A.

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 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
TO WHOM IT MAY CONCERN ( CFPB ) I AM SUBMITTING COMPLAINT AS CONSUMER, I HAVE 3 NEGATIVE ITEMS REPORTING TO ALL 3 CREDIT BUREAUS BLEMISH ON MY CREDIT REPORTS. THERE ARE ( 3 ) DIFFERENT YEARS XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX THEY WERE ALL DISMISSED THEY WAS ALL DISMISSED BY US BANKRUPTCY COURT, I AM SUBMITTING THIS INFORMATION ON GOOD FAITH AS A CONSUMER TO HAVE 3 NEGATIVE ITEMS REMOVE OFF ALL 3 CREDIT REPORTS,

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 2021-10-19
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mystery 30 day late. I've always paid on time. They just keep saying their records say it was late. They offered to mail me a copy of the payment history, nothing about validity of same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was approved for a mortgage through Quicken Loans in XXXX, MI in XX/XX/XXXX. We are 2 weeks from closing the loan and was told loan was denied XX/XX/XXXX. This would also be fraud because how can it be denied without reason and only 2 weeks from closing? We did submit everything to them, so they can't use that excuse and did have the funds to close. XXXX XXXX did not give reason nor want to deal with it. We also were quoted 2 different closing costs for us to choose from {$2800.00} or {$5600.00} 2 weeks prior. If we chose the {$2800.00} our interest rate would be 3.75 APR. The closing cost were very over priced. We paid their appraiser in the sum of {$500.00} up front and should have been refunded due to the loan not going through. The company pushes loans through without care and will backlash at you if you question their integrity. Also there is a United States Vs Quicken Loans in XXXX for court docs on the XXXX website. These people are very fraudulent and make their money on hidden fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I cant add my pnc account to anything. XXXX  my investing app I use and I can't add it to any of my other bank cards like XXXX XXXX, XXXX, XXXX XXXX  account. You waste your time putting all your info in and by the time your at the end it says that pnc won't connect it or something. It's been going on for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
fcra violations : Resident type Single family XXXX XXXX XXXX XXXX # A XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family please correct dr to DRIVE that is how you spell it isn't it?! 

must be ACCURATE INFOMATION FCRA law quit deleting accounts I did not request!!!!!!!!! 


not mine : also : XXXX XXXX XXXX XXXX Cellular ( XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has confirmed that they send one batch of updated accounts to the bureaus. They said that this is sent to all bureaus at once. This is usually done on the last day of the month. For the past three months, XXXX  and XXXX  have updated my XXXX accounts within a week, but Experian can take 14-20 days. I contacted Experian about this last month and the rep told me that he would have someone update my info. Three of my accounts that still had outdated info ( my student loan and my XXXX credit card and auto loan ) were magically updated the next business day if I recall correctly. 

This month, I encountered the same issues with Experian not updating my info, while the other two bureaus updated the info within a week of receiving it from XXXX. I called Experian today and they claimed that they never received the info from XXXX. I promptly called XXXX, who claimed that they sent it. XXXX has always been honest when they had delays reporting to bureaus, so I have no reason to not believe them now. I know other people who are having the same delayed reporting with Experian and they claim that even Experian 's own employees have acknowledged the issue. However, the reps that I spoke to today blamed this delay on XXXX. They wanted me to file a dispute to let XXXX know that the info was incorrect -- -even though XXXX claims that they already sent it. That's not resolving the real issue, which is Experian not updating the info once they receive it.

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 2019-01-15
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind and filed Chapter XXXX. We closed the Chapter XXXX  and a few months later offered a modification. Sadly during the second month of our modification my husband was hospitalized and had to have XXXX. My name is not on his bank account and when the payment was returned I could do nothing. I contacted Mr. Cooper and they where no help. Than they sent our account to an collection agency and I even contacted the collection agency, but no response. Than we again reached out to Mr. Coopet and they have just given us the run around. The stop taking payments, stop paying the insurance on home and the flood insurance. Than they put our home up for sale in the paper and on XXXX  without telling us. The sale date was XX/XX/XXXX but was canceled reason not known. We spoke with a Mr. XXXX  at Mr. Cooper on XX/XX/XXXX and he was going to email us some papers, but never did. Than today XX/XX/XXXX he contacts us saying their is nothing that can be done. All these days he knew this but failed to mention it until today XX/XX/XXXX. This company won't take payments, but still running up our escrow account by paying the flood insurance even after the bill was sent to us. I think this company needs looking I to. They went from Nationstar to Mr. Cooper, but same old business dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I work for XXXX as an XXXX. I have been on income driven repayment for five years as I am XXXX   and have XXXX young children. The Pennsylvania Higher Education Assistance Agency denied my annual recertification and has not provided information as to why. No significant changes have occurred since last year and my wife signed as has been standard practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
TO WHOM IT MAY CONCERN ( CFPB ) I AM SUBMITTING COMPLAINT AS CONSUMER, I HAVE 3 NEGATIVE ITEMS REPORTING TO ALL 3 CREDIT  BUREAUS BLEMISH ON MY CREDIT REPORTS. THERE ARE ( 3 ) DIFFERENT YEARS XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX THEY WERE ALL DISMISSED THEY WAS ALL DISMISSED BY US BANKRUPTCY COURT, I AM SUBMITTING THIS INFORMATION ON GOOD FAITH AS A CONSUMER TO HAVE 3 NEGATIVE ITEMS REMOVE OFF ALL 3 CREDIT REPORTS,

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 2021-07-20
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was XXXX in Florida Department Of XXXX and did not authorize any transactions from this account.XX/XX/2021 = - {$50.00}, XXXX XXXX= - {$100.00}, - {$200.00}, - {$200.00}, - {$140.00}, - {$500.00}, - {$500.00}, XX/XX/XXXX, XXXX= - {$100.00}, XX/XX/2021 = - XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a Home Depot Credit Card in XX/XX/2021 with a {$1000.00} purchase. I received a bill in late XXXX or early XXXX of {$1100.00}. I paid the bill in full. I received notification of late pays shortly after paying that bill, but used the card for another purchase of about {$810.00} and paid that balance in full. I called the number on the back of the card in XXXX and a nice young man told me he could credit me {$40.00} for late fees and we found that my address was incorrect. We changed my address. I asked him since the address was wrong and i was not getting statements, could he help me remove the 30 and 60 day late from my credit report and he checked and told me he could not, but I could dispute it. He did not sound sure so I called 2 more times. Both times I spoke with young ladies who were more sure of them selves and much more abrasive. Both ladies assured me they could not change the reporting to the bureaus because they were regulated by the government and FCRA and they had to report and report accurately. I went ahead and made disputes and I was denied. After the denials I did my research and found 15 USC 1666b covers the consumer in cases where statements are not sent to consumers and late payments can not be assessed. I am now writing to Home Depot Credit Services in the hopes they will be as serious about the USC when it favors me as they are when it favors 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 2019-07-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was attending a yoga class when my car was broken into and personal items were taken from my vehicle including my purse and wallet. The person who broke into my car decided to use my debit card at a XXXX XXXX XXXX XXXX XXXX XXXX, charging over XXXX dollars. When the bank called me about the suspicious charges, I said that I did not make those charges, but I did say the card was in my possession because I did not know that my car had gotten broken into at the time. When I discovered that my car had gotten broke into, I immediately filed a police report and notified Chase. Chase gave me a temporary refund, but reversed the reimbursement, stating that in a letter the payments were authorized. When I called Chase to ask for my reimbursement, they said that there was nothing they can do about it. I have been a long time Chase customer and never had an issue with Chase, but I can not believe how unreasonable they were during this process. I could never spend that much money at a grocery store for just one transaction. I was hoping that they were able to work with me and get me my money back, but they have not contacted me since they said they would reopen the investigation on the fraudulent charges made on my card.

Company response to consumer: Closed with monetary relief