BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: Receivables Performance Management, LLC
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past 8 month 's I have been fighting with a company called Receivables Performance Management LLC ( RPM ) in XXXX, WA regarding a debt that they claim I owe that I have disputed. At issue is a charge to XXXX for an account that was opened under my name, at a former address of mine that I do not live at and currently has an outstanding balance of {$370.00}. <P/>XX/XX/XXXX I received two phone calls from this company about an outstanding XXXX debt that I owed. I told them both times verbally over the phone that this debt did not belong to me and that I had never purchased XXXX and that I did not currently live at the address that was associated with the respective account. I did not immediately hear from them further and so I considered the matter settled. <P/>In XX/XX/XXXX while attending Military XXXX I received a letter from RPM again claiming that I owed a debt of {$370.00} to them as payment for the XXXX account they claimed I had. XX/XX/XXXX I sent a letter to RPM telling them that I disputed this debt, and had no responsibility for the debt they were attempting to claim. I informed them that if they had any substantiating records to support their claim to send them to me and if they had forwarded the debt to another party or reported it on my credit report that it must be shown to be disputed. I did not immediately hear from them further and so I considered the matter settled. <P/>Today ( XX/XX/XXXX ) I received a letter from RPM dated XX/XX/XXXX which included two statement dates and the billing periods associated with the debt they claim I owe. Besides the fact that I have never used any XXXX service, the address that is on the statement is an address that I have not lived at since XX/XX/XXXX. Furthermore, the two billing statements reflect Billing Periods of XX/XX/XXXX andXX/XX/XXXX. During XX/XX/XXXX I was still residing in XXXX XXXX XXXX XXXX  while XX/XX/XXXX XXXX XXXX in the XXXX XXXX and in XX/XX/XXXX I was ( and still am ) residing in XXXX while XXXX XXXX XXXX XXXX XXXX XXXX. I have not been to the address associated with the disputed account since XX/XX/XXXX. <P/>I have never used a service provided by XXXX. I 've never signed up for a trial use or created an account with them. I am concerned that someone has attempted to do so fraudulently under my name and as such RPM is seeking financial restitution from me. However, I am not responsible for this debt. And I 've communicated this to RPM not less than three times in verbal and written format. I am filing this complaint because of the failure of RPM to recognize that this debt does not belong to me and ceasing to harass me for money.

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 2017-12-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On the XX/XX/XXXX and XX/XX/XXXX i faxed documents proving my identity to Equifax.On both occasions they have denied receiving any fax although the fax had reported successful transmissions on numerous occasions.I have been trying for months now to retrieve my credit file in order for me to process my home loan.On one occasion the agent had said they had no information on my credit even though i have years of credit history that has been reported to them.I am at a loss now because my actions go nowhere.I have read other similar reports online and seems like Equifax 's practices are putting their clients at serious risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: SYNCHRONY FINANCIAL
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:
We discovered at the beginning of this year that I have been victim of fraud again. One of the banks issuing one of the accounts was Synchrony Bank XXXX XXXX XXXX, we informed them and they accepted that this was a fraudulent account and they removed it. Now a couple of months later, we discover that they have allowed to open a new account even dough my credit has been reported under identity theft, we have been working for months to repair it and even placed a freeze. Now they accepted another fraudulent application and they are claiming $ XXXX which just threw my credit back from mid 700 's to mid 500 's All of this months cleaning my credit and money spent, and now they killed me again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Received a notification from Chase that my rate was going up 5 % from 11.24 % to 16.24 % for no reason outside of increasing their profit margin. i have an 800+ credit score and pay off my balance monthly with all my credit cards. I 've had this card for over 20 years and never a late payment. After speaking with a supervisor, I was told I could either cancel the card or accept the terms. How are those choices for me? I accept a 50 % increase in my rate or lose my credit history which would negatively affect my credit score. I want my original terms just in case I need to carry a balance in the future. I felt like there was a XXXX to my head to make a choice that only benefits Chase. Absolutely horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Mnet Financial Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They call me late at night early in the morning weekends days and nights I have XXXX XXXX AND ANY STRESS CAN CAUSE ME MY LIFE. I dont owe this company anything and they are harassing me please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The CAPITAL ONE appears to be a charge-off account with a specific balance of {$680.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account 's payment history is being reported differently from each Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26
Company: Navient Solutions, LLC.
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:
I have a student loan with Navient. When I tried settleting the credit by calling their number directly shown on the website, it send me to a recover credit agency which tried to settle the account with me. I negotiated a payment plan which they advised that would bring my account current and stop the reporting on my credit. Yet, it has been 1 year, Navient still reporting my account past due and deliquent - I contacted them they advised that the account is shown settled but there is nothing they can do about the credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Experian Information Solutions 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:
According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for 13 years. Please remove them from all three credit reports. 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 non-monetary relief
Consumer complaint received 2021-04-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX of XXXX, I filed Bankruptcy chapter XXXX to avoid a foreclosure after 19 months of payments until XX/XX/XXXX. After that my loan got transferred from XXXX XXXX to Rushmore on XX/XX/XXXX, but Rushmore started treating my account as Bank Owned instead as an account under Bankruptcy Chapter XXXX and they served my tenants a letter stating I was no longer the owner of my property. Since then i have not been able to collect any rent payments from my tenants ( see attached exhibit A ). 
I got a letter from Rushmore on XX/XX/XXXX stating that the process to rescind the foreclosure has been completed and that the account is no longer in Real Estate Owned ( REO ) or eviction status. ( see attached exhibit B ) but it wasn't true Now on XX/XX/XXXX has been more than 1year and half and Rushmore still has not rescind the title back to me!! I have been continuing to make my plan payments thru bankruptcy until now. 

I am requesting to help me to resolve this matter, unfortunately due to this situation i have not been collecting rent since XX/XX/XXXX. My tenants have refused to pay me since tenants told me i am not the current owner! 

See attached current title with shows Trustee 's Deed Upon Sale only ( exhibit C ) Right now Rushmore offer me a loan modification with the following terms " AFTER ALL TRIAL PERIOD PAYMENTS ARE TIMELY MADE AND YOU HAVE SUBMITTED ALL THE REQUIRED DOCUMENTS ". This modification is telling me that i need to qualify and i don't think its fair. And also Rushmore wants me to start making payments on XX/XX/XXXX, and they want me to be in charge to do the eviction process which I don't know how many months it will take to vacate the property and due to COVID-19 we have to wait until XX/XX/XXXX. Without knowing if the tenants will move out by that time. 

I don't think it is fair for me when the lender made all this mistake. 

I am requesting to Consumer Financial Protection Bureau to stay involve in this problem until Rushmore Rescinds back the property. 

Please contact me at XXXX XXXX XXXX XXXX or by email at : XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Inaccurate date opened on multiple student loan accounts. Please have the company delete it immediately.

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 2020-09-16
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted in XXXX 2019 to pay {$220.00} on a {$300.00} credit limit because the card had been closed. 

I paid the amount and it was still sent to collection as a charge off in XX/XX/2019. 

I have contacted Synchorony Bank and the collection agency and it has not been updated

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 2017-12-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I am writing to you because I am very frustrated with Chase, this is my 2nd time applying for a Short Sale to avoid a foreclosure. On the 1st offer received 12 months ago, Chase decided to deny the offer because the Investor which is Chase did n't feel like working with that Buyer. 

On the 2nd Buyer that submitted the offer after 6 months under review they denied my short sale once again because the offer was too low. So Chase told me in order to dispute the Value I will have to pay for an appraisal out of pocket if I did n't want to loose my home. 

Since I had no Choice I paid for the appraisal to dispute the value, now that my dispute was valid. Almost 2 months later waiting patiently for Chase to give us the approval. Chase email us giving us another excuse stating that our Short Sale was denied because Chase ( investor of the loan ) feels that I do n't deserve a short sale!!!! 


I feel very frustrated and discriminated by Chase since this is not my 1st time trying to get a Short Sale approval. I have done everything right and its not fair for Chase to take advantage of me and my family. Please please help me end this nightmare. 




XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Armstrong and Associates, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Texas XXXX XX/XX/2022 Armstrong and Associates XXXX XXXX XXXX XXXX AL XXXX Reference XXXX Armstrong and Associatesis debt collector I am responding to your contact about collecting a debt. You contacted me by phone XXXX, email XXXX XXXX XXXXXXXX XXXX and identified the debt as XXXX XXXX XXXX XXXX with account number XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make I need to communicate with you to solve my case I need assistance in XXXX  please I do not I need to communicate with you to solve my case I need assistance in XXXX  please I do not understand what they charge me if I have medical insurance thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: SLM CORPORATION
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Around XX/XX/XXXX I spoke to a lady who worked for Sallie Mae ( XXXX ) about enrolling in a payment program and she had confirmed that all my loans were successfully enrolled. Months later I found out my biggest loan was not enrolled and they had reported my account delinquent to the credit union. This dropped my credit 70+ points over the span of two years because they told me that I had to pay XXXX to get the loan active. I reported them to this bureau and they worked with me to charge off the loan after they realized their mistake. They are holding my credit as a incentive to start paying my loan even though they were in the wrong and lowered my credit. Resulting in me not being able to rent a home. Fast forward to XX/XX/XXXX. I spoke to representavie XXXX who helped put me in a forbearance until XX/XX/XXXX. Confirmation # XXXX. Over a month later on XX/XX/XXXX, they are reporting to my credit that I 'm 45 days late for a payment even though my forbearance is until XX/XX/XXXX. They are calling me putting me non stop every day. Once I called them they have put me on hold for 45 mins now and have transferred me 8 times because the representatives do n't know what 's going on. I have spoken with the account manager XXXX ( XXXX ) who was very helpful and nice. I 'm just concerned about all the negative marks reported to my credit over the last 2 years that have caused me to not get approved for a home for my family in regard to Sallie Mae.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for 13 years. Please remove them from all three credit reports. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
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:
The Bureaus did not properly investigate my account with ALLY FINCL XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The date of the last activity is being reported on the year XXXX but thhe payment history is on XXXX. Also, No 120 days record was found prior to getting the account to be a charge-off. This company is re-aging my account. Moreover, the account has an exact balance which is totally wrong if the account is in fact to be a charge-off. The entire remarks for this account do not concur with each of the 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 explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: DC
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:
Defendant is reporting false information to plaintiffs consumer and or 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 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Defendant is reporting false information to plaintiffs consumer and or 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 2021-02-20
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have account with COINBASE for BITCOIN purchase and have invested about {$250000.00} and must have grown My account was working till XXXX XXXX and stopped working My 2 step Authenticator is not working I sent them multiple e mails and still COINBASE is not helping me to recover my account Will need recovery of my account Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Hi there, I was in mortgage deferral since the pandemic started from XX/XX/2020 to XX/XX/2020. I came out of deferral after receiving the letter from the Bank of America in XX/XX/2020 stating how much my payments will be after I come out from the deferral. It said that if I want to come out of the deferral I should start paying starting XX/XX/2020. So from XX/XX/2020 until today date I have been making mortgage payments every single month and never was late. I do have a copy of the bank letter stating how much and when I have to start paying also have copies of my bank statements showing payments being withdrawn from my BOA checking account. I have been calling every month to make the payments and they are all on time. The bank reported me being late for 30 days which never happened I have a pristine credit score and was never late on any payments on any of my loans or revolving accounts. Please assist me on resolving it, i did try to contact the bank but its like getting nowhere. I spent hours on the phone and it seems that nobody does the job. I can provide all the documents that you are requiring to resolve it copies of my bank statements and bank letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX  XXXX  listed twice. According to report I was given another credit card with company when Id defaulted on first. Makes no sense. I only had XXXX card and its past the XXXX  year mark. My report was also changed to XX/XX/XXXX when it originally said XX/XX/XXXX for deletion. Now both accounts have same deletion date which doesnt make sense either.

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