BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, my loan is financed through FlagStar bank. I have been trying to wrap up my forbearance and start making payments again since XX/XX/XXXX, and have been unable to do so due to multiple bank errors, and delayed processing on part of the bank. I would like to file a complaint and have this escalated somehow so that I can just resume making payments and bring my account current as soon as possible. I have detailed records of my interactions with the bank that I would be glad to provide. 
I have attached my hardship letter provided in XX/XX/XXXX that summarizes the interaction up to that point. I have made a large ( {$4800.00}, XX/XX/XXXX ) payment at the banks demand in order to continue to process my deferral, and continued to contact the bank weekly to wrap this up since then, and feel like I am getting nowhere. For example, I am supposed to have a single point of contact ( SPOC ) with knowledge of my account, but ended up talking to someone new today with no knowledge of my account ( same as nearly every time they call me ) who said she would escalate the issue and call me back ( which is what they usually say ). Thanks for your 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 2018-12-24
Company: JPMORGAN CHASE & CO.
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:
There are several wrong addresses that are being reported as mine on my credit profile and also there are multiple XXXX XXXX  and chase hard inquirys I have not done back to back and lastly there is a {$300.00} medical expense that was reported and that is not my bill. I was not in Florida at the time of the opening date of the file. Also that one medical report and credit card checks brought my score down 101pts in just a few days. I am very upset and need this fixed immediately. There is fraudulent activity going on and also false very negative affective reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: AMERICAN EXPRESS COMPANY
State: OR
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:
I opened an american express blue business plus credit card in XXXXXXXX XXXX XXXX In XXXXXXXX XXXX XXXX the minimum statement balance due was returned from my business checking account auto-draft for insufficient funds. I paid the minimum payment due manually using a different checking account before the statement due date. 
Due to the returned insufficient funds payment, Amex cancelled my introductory 0 % XXXX and began charging me interest on balances at 26 % XXXX, even though I had paid all minimum payments due on schedule, before the due date. 
on XX/XX/XXXX I called amex to dispute the interest charged, and was told someone would get back to me after an account review. 
No one got back to me, and my most recent statement includes additional interest charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Maximus Education, LLC dba Aidvantage
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to repay an amount of {$10000.00} to AidVantage but they kept reversing my payment. 

The first time was XXXX and they could not find my bank information. 
I " updated '' my information and submitted a second payment on XXXX but apparently I used the wrong wire transfer account number on my side. 
The Third time XXXX I payed with a different wire account and felt like it would not work so I had to call my bank and have a three way conversation with a customer representative on the other line. AidVantage confirmed they received payment and the bank also agreed the payment of {$10000.00} was processed. I check my bank account and the money was taken almost within seconds. 

I recently checked my Aidvantage account and I have an amount of {$4600.00} with interest now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Hello My name Is XXXX XXXX XXXX XXXX, I have spoken with XXXX, and Experian representatives In regards to my personal Info being Incorrect as well as sending multiple letters to fix my name, address and to delete formerly known names off of my consumer reports. But in essence nothing was done in those regards. In 15 U.S. Code 1681 ( b ) - Accuracy of report It states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX XXXX Formerly known as XXXX XXXX XXXX Social security number or XXXX XXXX XXXX Date of Birth XX/XX/1990 Experian Name XXXX XXXX XXXX XXXX Formerly known as XXXX XXXX XXXX Formerly known as XXXX XXXX Social security number or XXXX XXXX  XXXX Date of Birth XX/XX/1990

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 2020-01-02
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:
It's not my accounts, I never applied for it. I didn't sign any contracts with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Approximately {$2000.00} was fraudulently used on my Capital One Platinum credit card between the months of XXXX and XX/XX/2023. I disputed these charges as soon as I discovered them in XXXX and Capital One stated there wasnt sufficient evidence to overturn their decision. Im XXXX  and live off my retirement checks. I cant continue to pay for something I didnt purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Sunlight Financial LLC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After applying for a bridging loan with Sunlight Financial for Eerie Home roofing, making a debit payment for it, and unfreezing my credit for XXXX and XXXX with which we secured a LOC, attempts were made to take funds from my XXXX XXXX  checking and two savings accounts. I spotted it and contacted the bank which froze all original accounts and denied the attempts. I opened new checking and XXXX savings accounts. with XXXX. I contacted XXXX XXXX regarding a closed account since the withdrawal/payment attempts were noted as XXXX XXXX online. They reported no activity from the CO savings account or use of my SS number and removed the XXXX XXXX  connection I had used to deposit savings. 
I contacted XXXX XXXX whose salesman had taken personal info and originated unfreezing of my XXXX and XXXX credit. They denied involvement of any pervious such incidents with their contracts. 
On the day I was flying to XXXX, my XXXX  XXXX XXXX XXXX XXXX  had a swiped charge at XXXX. I contacted XXXX they permanently credited the amount, froze the old account, and are sending me a new credit card. 
I have created new User names and passwords on my various on-line payment accounts. 
I believe I have been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
hello good morning, I am presenting a new report against XXXX XXXX cards for their constant increase in interest month by month

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: PENTAGON FEDERAL CREDIT UNION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account payment history and date of first delinquency are incorrect. This account is too old and obsolete and should not be reported to my consumer reports. They are reporting inaccurate information to my consumer reports and are causing me damage.

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 2023-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 submitted a dispute on XX/XX/2020 via certified mail to Transunion for multiple Violations and Inaccurate info on my credit report along with a Picture of My recent utility bill, drivers license, and my social security card expecting for them to do an investigation. 
They received my dispute on XX/XX/2020 and then sent me a reply claiming that my proof of address was not acceptable. Yet they sent their reply to my current address and received my which shows that my address is on their file. They are choosing to use stall tactics so that they don't have to address the numerous RE-AGING Violations on my account { Credit report }. This is the second time I have received their reply to my current address claiming that my proof of Address is unacceptable! The first was in XXXX when i sent them a letter trying to fix my personal info which they have listed inaccurately as well. 
Please help me to be able to get a proper investigation according to the FCRA laws that I've read online. Thank You and 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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 have sent several dispute to them to delete this inaccurate account from my credit report for violations 15 US 1681 ( a ) Also this account was charged off on XX/XX/XXXX still showing late payments since then also last payment is incorrect reporting. I want this account removed and no longer reported

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 2023-09-06
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
my information was disposed in a data breach, i have unauthorized and unverified inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: Meyer & Njus, P.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Attorney XXXX XXXX XXXX XXXX debt collector for XXXX XXXX is on violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt collection Practice act ( FDCPA ) also Michigan laws of the ( FCRA ) and ( FDCPA ) and consumer protection laws has taken action and suing for a debt they did not verify in time with a valid original ( wet ink ) contract that is written documentation. The XXXX letter is a 609 letter under the ( FCRA ) which requires that the credit agencies investigate and validate all accounts including the alleged owed account from XXXX XXXX from a XXXX ending in XXXX for an amount of {$1000.00}. Attached is the letters sent in for verification to the Credit Bureaus. The debt collector had 30 days from around XX/XX/XXXX and XX/XX/XXXX ( 2019 ) to verify the debt through the dispute process of the ( FCRA ) form all three credit bureaus that are XXXX, XXXX, and XXXX. Instead of verifying they took legal action and decided to sue with insufficient evidence and still reporting this unverified debt which is way past the 30 days which must be removed from all three credit reports and to cease any collection attempts. The collector is committing defamation of character and attempting to collect this expired debt and other applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my XXXX credit report. I will sue them if they continue to collect debt that is not mine.

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 2023-09-05
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my personal information was used without my permission to open fraudulent bank accounts and bank inquiries. I have contacted the consumer financial protection bureau, police department, and consumer banking reporting agencies Early Warning system, XXXX XXXX, and XXXX XXXX to notify them of the unauthorized activity that needs to removed per federal law FCRA XXXX. 

XXXX consumer ID XXXX Early warning consumer ID XXXX 2 fraudulent bank accounts : XXXX XXXX opened XX/XX/XXXX account number XXXX XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX 20 fraudulent bank account inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter today from Bank of America stating that I applied for a XXXX XXXX XXXX card and a hard inquiry was made in my legal name, XXXX XXXX XXXX. I did not make this inquiry at all. I contacted the Bank and they started this process to have it closed down and also to remove the hard inquiry from my credit report. I additionally called experian and reported it to them as well. I began a 1 year alert program and they said that by filing out a police report or this site, I would be eligible for a 7 year alert program, which I would like, as this same thing happened to me a year ago.

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 2022-09-20
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX I accidentally initiated a debit card withdrawal in the amount of {$2700.00} on an old card on file with a Bank that was purchased twice and ultimately absorbed by XXXX XXXX  ) oddly enough they still let you use the old card, so the transaction went though. I put the transaction through haphazardly and when I reached out to XXXX XXXX  ( account since closed ) they said it's been rejected and will be returned to Coinbase. 

The transfer was initiated XXXX and has been rejected by XXXX XXXX  every single business day since. Coinbase blames the XXXX XXXX  and XXXX XXXX  has been unable to reopen the account or capture the transaction since it's from an old debit card. I've called several times and there's been instances where Coinbase was unable to find the transaction unless I provided the withdrawal number. I've called each business everyday and get the same resolve - Coinbase : Request sent to a specialist and check your emails. I've visited XXXX XXXX  twice and was informed there was nothing that could be done on there end including holding the funds and/or reopening the account. 

I've entered Coinbase tickets on XX/XX/XXXX and XX/XX/XXXX. 

This is all of my bill funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax had a data breach and I checked to see if my information was part of that breach. And the claim form I submitted shows that my information was affected. 

Also, part XXXX of the problem is, XXXX  also had a data breach back in XXXX of this year. And my personal information was also affected in this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a loan with XXXX XXXX XXXX, XXXX that was sent to MRS BPO for collection. When I became aware of the collection account I reached out to XXXX XXXX XXXX XXXXXXXX to settle the debt and have it stop reporting to my credit report. XXXX XXXX XXXX, XXXX agreed to a " pay-to-delete '' solution for the debt and instructed me to make the payment to MRS BPO. On XX/XX/, I made the payment to MRS BPO and it was posted to my account, I was given a receipt which was also sent to XXXX XXXX XXXX, XXXX. Over a month later the item remains and is reported to my credit report. I reached out to XXXX XXXX XXXX to inquire about why the item is still being reported and to confirm that they received payment confirmation. They did receive confirmation but the item is still reporting and hasn't been removed as previously agreed upon. MRS BPO has also contacted me requesting payment for the same account again even after it was settled on XX/XX/. MRS BPO is now attempting to collect on the same debt, but this time they're using a different account number. I contacted MRS BPO and they stated that the debt came from XXXX XXXX XXXX, XXXX and they can not do anything about it until it is paid. I contacted XXXX XXXX XXXX XXXXXXXX and notified them of what MRS BPO said but they denied sending them the debt and confirmed that the only debt that they did send to MRS BPO has been settled.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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 non-monetary relief
Consumer complaint received 2022-01-24
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicing was just transferred to Selene XXXX, website www.selenefinance.com, I have been trying to make my XXXX payment but their website does not accept payments, their phone system doesn't let me make payments and no one at Selene answers the phone. Selene has a very bad reputation, I am a XXXX XXXX XXXX  and am very worried about losing my home to the company. I need to make my XXXX payment asap and am unable to reach anyone at Selene. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX contacted XX/XX/XXXX XXXX times in a row and XX/XX/XXXX XXXX as welll in a row on behalf oh kohl Debt was for XXXX. I explained multiple times I was XXXX and dont have means to pay they were abusive and harassed me about getting the money and paying it and wont stop calling until I paid it

Company response to consumer: Closed with explanation