BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2019-11-16
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of 2019, I went to a Gap store and I purchased a couple of items for a baby shower. The bill was about {$30.00}. The cashier offered me a credit card. Since I was buying numerous items from Gap, I agreed and signed up for it. Initially, I didn't even realize that the bills was put on the new credit card, and not on the one that I handed to the cashier. A week or so later, I left to XXXX for extended vacation where I saw my family and my in-laws. We came back in XXXX. By that time, I have received Gap bills with late fee payment for a couple of months. The bill eventually went from about {$30.00} to over {$180.00}. 

I contacted Gap, and asked them to give ma a discount as this was my first payment, I was out of the country, and I really wanted to use the card. They said that all the fees are lawful, and therefore I need to pay it. I spoke with managers after managers, and they told me the same thing. Yesterday, I was contacted again by them, and when I tried to explain the situation, I got the same attitude. Again, I agree to pay some penalty but {$150.00} for three months of late payment is outrageous. The penalty is five times the actual bill.

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 2021-02-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
JPMorgan CHASE charges {$1.00} that CHASE calls '' convenience fee '' for paying my XXXX bill by phone. A rep from JPMorgan CHASE said they do not charge any fee. Why am I getting charged an additional {$1.00} to pay my bill over the phone with a debit/Visa card? 

Please advise as it was taken out of my account as a separate charge. In addition to my current monthly bill. 


.Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: Stellantis Financial Services US Corp.
State: NC
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 first contacted First Investors on XX/XX/22 and provided the following message : We are contacting you regarding the above mentioned loan and an error that occurred with our XXXX loan payment. The payment was returned in error by our bank, XXXX, and therefore caused our payment to be reported as 30 days late to the credit reporting agencies. We've obtained an official letter from our bank acknowledging this error. Please see the attached. We are requesting that based upon this acknowledgement, that you retract the notification to the credit reporting agencies that our payment was 30 days late. 

I received the following message back from First Investors on XX/XX/22 : Subject : XXXX : Regarding Loan XXXX Dear XXXX and XXXX XXXX : Thank you for contacting us about your account. At First Investors, it is our objective to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) when we furnish information about a consumer to a consumer reporting agency. Therefore, our commitment is to research all actual disputes submitted to us to ensure that we are reporting accurate information to the consumer reporting agencies. 



After receiving your dispute, we have reviewed your account information to verify the accuracy of the information on your credit file. As a result of our investigation, we submitted an update to the consumer reporting agencies to which we report to update your account as current with no delinquencies. Please allow up to 3 business days to view the updated information on your credit file. Please see attached response letter for your records. 



If you have any questions regarding this issue, please contact us at XXXX. 



Thank you, Credit Bureau Update XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Celebrating 33 Years in Business My credit report was updated after the letter was provided, however, the credit companies went back to reporting the late XXXX payment. I've submitted disputes, but First Investigators continues to inform the credit companies that the XXXX payment was late.

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 2020-11-16
Company: WELLS FARGO & COMPANY
State: NY
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:
Wells Fargo Dealer Services is improperly and impermissibly reporting an account to the XXXX, XXXX  and XXXX  consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

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 2021-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital One Bank ( 360 Savings ) refuses to provide some customers their 1099-INT digitally through their portal due to technical issues on their end. They are unable to solve the issue or provide an ETA for 1099-INTs to be available digitally.

Customer service confirmed this issue is not browser or device specific but due to customers with multiple products at Capitol One ( e.g a bank account and a credit card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
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:
Somehow Equifax seems to have verified some information, That XXXX  deleted. XXXX  deleted all the items in question, they all get their information from the same source, how does that happen? XXXX  deletes the information, but, Equifax somehow verifies it.?? 

XXXX XXXX XXXX # XXXX Their is a pdf attachment with this complaint that Equifax is in violation of the FCRA, XXXX Deleted the same item that I challenged at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Back in XXXX there was several checks deposited into my account that was not mines nor that I didn't deposited and I was charged a nice fee. Then back in XXXX the same thing happen again both times I had to pay the bank back and open a new account

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 2021-02-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
To CFPB, we previously contacted you regarding Trans Union and their reporting inaccuracies specifically old addresses Case # XXXX XXXX XXXX. Trans Union did not show in their updated credit report to me that the addresses had been deleted only that the current address was showing, even in their own reports they state that " If we were able to make changes we have done so '' it further states in their correspondence an explanation such as definitions like " Updated, verified, Deleted, so as we have stated, Trans Union did not show those deletions as required by federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: MO
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:
X/XX/2017 X/XX/2017 I 've contacted all 3 credit agencies in regards to validating the U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Court mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, Equifax and XXXX Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: HYUNDAI CAPITAL AMERICA
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed by Kia finance without formal written notice as required by WV state law. I was informed by phone and was told that if I paid {$510.00} it would be placed on hold and that it was acceptable to make payments every two weeks, in accordance with my pay schedule, until I was caught up. I was informed on the day it was repossessed that the hold was only for seven days. So the first representative fraudulently misinformed me. Also as I tried to work out an arrangement with them at the time of repossession the representative on the phone disconnected the call.

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 2021-01-21
Company: Mr. Cooper Group Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I am a certified residential appraiser and have been appraising for the last 11 years successfully. Six months ago I received an email from my high volumn/long time client/lender saying I was being blacklisted by the Mr. Cooper, formerly Nationstar Mortgage Holdings Inc., and my client could not use my appraisal service anymore since Mr. Cooper would not purchase loans based on appraisals prepared by me. The reason for being blacklisted was unknown. I've being trying to reach out to Mr. Cooper company, also with the help with my lender/client, for answer but we were ignored and stonewalled by Mr. Cooper company. I'm being blacklisted without explanation and no pre-notification. Until this day, I still don't know why I'm being blacklisted or even have an opportunity to respond to or rebut any alleged discrepancies. 

My business suffers tremendously loss of income due to the action taken by Mr. Cooper, especially during the pandemic. I've been appraising for the last 11 years and my record is clean with no complaints from any clients or disciplinaries from appraisal state board. I'm requesting Mr. Cooper to reconsider and remove my name from the exclusionary list of appraisers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Ideal Collection Services, Inc.
State: FL
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:
I made contact with IDEAL COLLECTION SERVI XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX with CERTIFIED MAIL # XXXX XXXX XXXX XXXX on or about XXXX with the company in regards to the so called debt. I forwarded them information that was requested from them which provided identification. 
I also mailed them my copy of identity theft report showing that my information was stolen. I also sent them affidavit of fact which was notaries. I also requested that they mailed me any proof. I never receive any correspondent form them. I ' m trying to achieve the American Dream purchasing a house however, this collection account which is not my is hindering me form achieving that Dream.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please read attachment. Wells Fargo defraued my fiance and I out of $ XXXX, intentionally delayed our process, misled and misrepresented information about my loan, made gross accounting mistakes about the qualifications of the loan, gave us financial advise ( which we followed ) and later denied us for the very advise they gave us. They fire our Loan Officer who filed a complaint on our behalf against his own Company saying he's never seen a loan file handled so badly by a mortgage company as what happened to us. We were temporarily homeless/living out of XXXX because of the actions by Wells Fargo and they won't have the decency to compensate us for our financial losses. Even though they admitted fault. 

Please see attached letter from my attorney highlighting all the mistakes Wells Fargo made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
the XXXX XXXX XXXX website says that I have only made 7 qualified payments towards my 120 service loan forgiveness program, when in fact I've made 33. I have been sending my paper into Navient for 3 years. Every year I call to ensure receipt and was told that everything was set. Now I'm finding out that only half of my loans are " eligible '' and that I'd have to consolidate the ones that are not first. I was also told my Navient that the ones I have to consolidate to be eligible are the ones that were transferred to the XXXX XXXX XXXX an that I'd have to start of from XXXX  payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage with Freedom Mortgage. In XXXX of 2020 Freedom Mortgage refinanced my existing mortgage with them to a new rate. Upon completion of the refinancing process, Freedom Mortgage did not file the Deed of Trust with XXXX County. I am currently trying to complete a refinance of my current mortgage with another mortgage company. In the process of completing the Underwriting for my new loan, it was determined that there is no record of my current mortgage. I have reached out to Freedom numerous times to try to resolve the issue by having them file the Deed of Trust. My most recent interactions with them have been met with Supervisor and Rep level contacts hanging up on me, in one case as soon as I explain the issue. This delay and unwillingness of Freedom Mortgage to resolve this issue will likely result in my loss of the rate lock and thus cost me several XXXX dollars over the course of my mortgage. Further, Freedom has been holding escrow from my loan and show that they have paid property tax on the property, however, without a Deed of Trust on file I don't believe they are actually paying the taxes, since the County wouldn't collect on a property that isn't registered in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Im not sure if I made the correct selections here, but I couldnt find the right options for our situation. Around XXXX of XXXX, my wife opened up a XXXX card to work on our credit, adding me as an authorized user. The purchase was XXXX {$20.00}. We never received our XXXX card in the mail. The card & account were forgotten, as we moved out of state a few months later. The account is showing on my credit report, me as an authorized user with late payments from around XX/XX/XXXX to XX/XX/XXXX. The account, which was opened in XXXX, had no charges in XXXX or XXXX. The account is now closed. 
We have called the collection agency and XXXX in order to remove me as an authorized user from the account. No one seems to understand what we are asking for and they keep sending us back and forth between the two places. XXXX says they can not do anything because the account is closed and the collection agency says they only handle the collections part. I understand this for the collection agency, but I feel as though XXXX could hear out this issue better and remove me as an authorized user. 
As of today, my wife and I are trying to buy a home as rent is very high in our city. Financially, we would much better off owning a home and saving a few XXXX dollars a month, than sinking money into rent on a home we can not own. We need the account taken off of my credit report to raise the score enough to qualify for a home loan. Our lender suggested that we reach out to CFPB for any help we could get. 

Thank you in advance for any help you can give us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX, I requested Pennsylvania Higher Education Assistance Agency ( FedLoan ), to present the outcome of a pending manual review to determine if five of my payments toward my federal student loans qualify for the Public Service Loan Forgiveness program. These payments were made XX/XX/XXXX - XX/XX/XXXX. 

I have yet to receive any communications from FedLoan on the outcome of a manual review of the payments made in XXXX. It has been nearly 10 months since I have inquired about the results of this manual review with no response on the outcome or a timeline when it will be completed. These payments were also listed as " pending manual review '' for Public Service Loan Forgiveness for at least a year before I formally inquired to the status of this review. 

On XX/XX/XXXX, the latest communication from XXXX, Customer Service Associate for FedLoan Servicing, was : " Unfortunately, since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. We do not have an estimated time of when this review will be completed on your account. '' I do not find this response acceptable after nearly ten months of inquiries regarding loan payments made over a decade ago. I would like to know the result of this manual review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification from XXXX  and XXXX  stating that I owe a hospital bill in the amount of {$720.00}. I have not visited a hospital in the time frame or have any documents regarding this matter. I'm requesting to receive any documents containing to this bill as we'll as a signed hippa release form for this false claim.

Company response to consumer: Closed with explanation