BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2022-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My ex boyfriend stole my debit card and took out {$200.00} that I didnt have.my account only had {$20.00} and he was somehow able to take out {$200.00} I immediately called the bank to file a dispute and filed a police report. They denied my claim when they shouldnt be able to let anyone take out money they dont have in their bank account, I want to close my account with them and get those {$200.00} back. I didnt not authorize my ex to use my card to get money out. I already filed a restraining order against him and I dont have money to pay back the {$200.00} that I didnt take. Please help.

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 2019-01-29
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Sold home mortgaged by Mr. Cooper on XX/XX/18. 
Payoff amount of {$230000.00} was wired to Mr. Cooper on XX/XX/18 Mr. Cooper is now saying that they are short money because of insufficient funds in escrow because of a payment made for property taxes. 
Escrow funds were available and we should have funds refunded to us around {$800.00}.

My wife and I have spoken to 4 different people, including a manager and an escalation agent and have gotten no where with their investigations. They do not return calls or emails.

The house is no longer under our ownership and this issue is affecting our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
The bank JP Morgan on the recording on the phone number on the back of the credit that was given to me from JP Morgan stated that I owed XXXX on my account on XX/XX/2018 I sent XXXX XX/XX/2018 XXXX XXXX XXXX  JPMORGAN CHASE PAYMENT $ XXXX- copied from my personel Bank XXXX . I have asked JP Morgan about the funds and they don't know anything about it, then I asked why do I have a credit- JP Morgan said they don't know why, so I have requested my XXXX  back and they have given me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Applied for income based renewal within the time frame giving them at least 2 weeks to process it before it returned to the whole amount. I have it in automatic payments and this last payment they took the entire amount of {$670.00}. This caused an overdraft of my account and they will not return the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Portfolio recovery Associates ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2019-01-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I went online to access my checking account. I noticed that my balance was extremely low. I then saw that on XX/XX/XXXX two fraudulent checks had been cashed -- one for {$9300.00} and the other {$8900.00}. A substantial amount of money. I immediately contacted my bank, froze the account, and requested an investigation. I then went to a branch, told the very sympathetic and helpful employee my tale, and opened a new checking account. I was told that in most cases the investigation takes 14 business days.

It is now XX/XX/XXXX. I have filled out an affidavit which did not arrive at my home until XX/XX/XXXX or XXXX. It was dated XX/XX/XXXX. I had it notarized and mailed it. I was told claims received it on XX/XX/XXXX -- over two months after my initial call to the bank. Needless to say, I'm frustrated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-10
Company: AMA Advisors, LLC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, Homebridege Financial Services , Inc. ( HFS ), claimed to pay my home insurance renewal fee to XXXX XXXX XXXX ( XXXX ) .The fee was {$830.00} and HFS claims to have paid the full amount of {$830.00} on XX/XX/2021. XXXX claims they received a payment from HFS of {$590.00} on XX/XX/2021. XXXX claims that there is a policy balance of {$230.00} and that I must pay for it since HFS did not. I have contacted both HFS and XXXX on several occasions to sort things out. Their accounts remain the same : HFS claims they paid {$830.00} ( the full amount ) to XXXX while XXXX claims that HFS only paid XXXX {$590.00} and that I owe the {$230.00} balance. Both companies have paperwork that backs up their respective claims.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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 status incorrect

Complaint:
I recently pulled my report and verify accounts that should not be reported as late payments since I always make sure that I am paying on time. I demand these accounts be updated and remove the Late Payment notice. Attached below are the accounts I am reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied online for a Chase Bank Amazon Prime Credit Card. I was mailed the credit card and activated it. EVERY SINGLE DAY, MY CARD IS FLAGGED FOR FRAUDULENT PURCHASE EVEN IF I AM ONLY MAKING A SMALL PURCHASE AT A LOCAL GROCERY STORE. THIS is causing a major inconvenience to my life. My card then I try to call and unlock it and Chase tells me that my phone number is not allowed to be sent a one time security password via text message. I have XXXX service and its a plan in my name with no call blocking features. Sometimes rarely instead of a text message they will ask me security questions based upon public information and my account will be unlocked but I will be able to use my card one time after it is unlocked and then it freezes again! I do not know where to turn, I need help this is causing a major problem to my life. I applied for that card to help me survive until I have other wages come in and I can not do anything. I can not buy food, pay car expenses, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XXXX XXXX XXXX I contacted Synchrony Bank in regards to my TJMaxx credit card replacement that I had requested back in XX/XX/XXXX due to a name and address change. Synchrony Bank received the verified documents that I had mailed to them in XXXX and mailed me a new card. However... I never received this card, and subsequently, my account was closed! I have had this account for 11 years and it was ALWAYS in perfect standing... NEVER late on a payment. 
And of course, NO ONE had an exclamation of WHY it had been closed. 
I called 3 times ... once the service rep said they were having technical issues and couldn't give me a reason why it had been closed, 2nd time I was put on hold for 15 minutes and my last call was dropped after being told by a recording that every rep was busy. 
This is so typical of today 's incompetent customer service reps ... No one has any decent and professional work ethics anymore. EVERYONE wants to work remotely so they don't have to be accountable. 
( Attached is the conversation from " Live Chat ''.

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 2021-11-16
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC bought out my bank about a month ago and I have not been able to on-line banking since then. I have call customer service and several times and even went into a branch. I have yet to get a person on the phone even after waiting over 30 min. and they could not help me at the branch. I need access to my money and they are making it extremely difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Lincoln Educational Services Corporation
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Lincoln Tech has made a poor attempt to work with us on a payment plan with my sons student loan that I was a co signer on. A late payment was reported to the credit agencies even though We never recieved any statement bill showing payment due and money owed. I attempted to call to enroll in a one time forgiveness repayment plan and they were not accommodating at all. I would like an investigation to help restore my once perfect credit back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: PA
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 no a knowledge of this account according to the FCRA This item must be removed

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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern. The following addresses need to be removed from my credit report I do not live at the following locations. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL. 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 non-monetary relief
Consumer complaint received 2021-08-20
Company: Flagstar Bank, N.A.
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My mortgage was sold by XXXX XXXX  to Flagstar Bank. The transfer date was XX/XX/2021. However Flagstar initiated collection activities on XX/XX/2021. Subsequently I paid my XXXX payment on XX/XX/2021 to Flagstar Bank. 

I was then contacted by XXXX XXXX  XXXX that my XXXX payment was late after payment had been tendered to Flagstar. 

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 2021-11-27
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In early 2020, when covid first started, my husband 's hours were being cut. I called our mortgage company at the time, XXXX XXXX, to see if we could make a smaller payment, just for that XXXX month. I was told no. They told me about the forbearance option that they had. I asked for XXXX month and was told I HAD to do it for XXXX months. So we decided to go a head with it, since were unsure of what would happen over the next couple of months. I asked right then, about the repayment options. I was given XXXX. Pay in full after XXXX months, pay in a XXXX months of installments once the XXXX  months was up, by adding it to our current payment or add it to the end of the loan. Before the forbearance ended, in the third month, I called XXXX and told them that we no longer needed help, we would start paying our normal payment. ( I was getting calls from an automated system, asking if we needed a longer forbearance ) I asked if we could put those XXXX  payments at the end of the loan, and then was told that ours did not qualify for that option. Of course. Even though I was told before, that it was an option. So, we decided on the XXXX month repayment, which we are currently paying with our normal mortage payment. I saw that on our monthly statements, it showed we owed quadruple of our house payment. I called and I was told that they were in process of correcting it, they just had so many people with forbearance, that it could take time. I called one or two more times after that and was assured that I had nothing to worry about. Our loan was then transferred over to Shellpoint. It probably happened around XXXX. We wanted to look into refinancing or selling our current home to buy another, but were told that the report shows us XXXX days behind on our mortgage payments. I have NEVER missed a payment. We've only ever done the XXXX  day forbearance, which they made us do, even though I only wanted one month of a lower payment or one month forbearance. I also emailed XXXX regarding this issue. Our statement with Shellpoint, also shows the same that XXXX was showing. It says on the most current statement, datedXXXX, that our payment amount due is {$4100.00}. Our normal monthly payment is {$1400.00}. It says we {$2600.00}, is our " unpaid amount ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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