BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: JPMORGAN CHASE & CO.
State: TX
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting Act : Account # XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXXXXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-04-05
Company: Ygrene Energy Fund Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Business Name : XXXX XXXX XXXX XXXX XXXX. 
Address : XXXX, CA XXXX Phone : ( XXXX ) XXXX I paid off my Ygrene loan early in XX/XX/XXXX and was promised XXXX refunds ; a reimbursement for the pre-payment penalty ( which I did receive ) and a reimbursement for the interest paid through XXXX which I did not receive. The interest for my loan in XXXX alone was more than {$2000.00}. I have received only the run around from Ygrene for the last 6 months about this interest reimbursement. I also filed a complaint with the California office of the XXXX  ( Complaint ID:XXXX  ) Phone : ( XXXX ) XXXX, on XX/XX/XXXX but Ygrene after XXXX nonsense response, never complied with them either I spoke multiple times with Ygrene representative XXXX XXXX . ( her e-mail is XXXX ) explaining that Ygrene required according to their " payoff quote '' of XX/XX/XXXX ( which I have, and can forward to you ) to pay interest on a loan through XX/XX/XXXX even though they received a 100 % payoff in XXXX. She confirmed that she had that document including it with her last e-mail to me ( which I have and can forward to you ). Consequently I proved to her that Ygrene owes me a refund of the interest for XXXX, XXXX and XXXX. She promised to forward this complaint to yet another Ygrene representative and after that I have heard nothing back from her or anyone else. Please note that this complaint is now approaching 6 months!!. It defies both logic and fairness that anyone pay interest AFTER a loan is completely paid off but that is Ygrene 's position. By the way, I also paid off my auto and home in XXXX and they also ESTIMATED the excess interest on their loan payouts and after the loan was closed, I received a refund on the excess interest paid ) Please help me recover this interest and teach Ygrene that they can not behave this way with consumers!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XXXX XXXX I inquired through Discover Student Loans secure messaging center whether Discover would be offering any lower interest rates or special accommodations due to the COVID 19 pandemic? 
I did receive a email response but was not able to call the customer service department until XX/XX/2020. ( The delay in my response was in direct correlation to caring for an ill family member, whose health failed and resulted in her death. ) When i asked if I could enroll in the offer of zero percent for the next 2 months I was told the offer expired! Also Discover did not offer this accommodation, you could only get the information if you reached out to them, offering no transparency. Even if you could afford to pay something on the loan during the offer, it was not permitted ; therefore there was no way to take advantage of the zero percent offer by making any payment. Discover offered to defer payments but interest would keep accruing at the same rate of the current loans. 
It seems Discover is doing nothing to support the student or the parent as a co-signer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX i called Sychrony bank/XXXX because i was unable to access my account. They advised that i had called in claiming the account was open via fraud and i didnt open my account. They closed my account. However i never called and every time i call in they only ask for my name and then claim its verified. The company said because it wasnt fraud because the person called in with all of my account info. they refuse to investigate to as its not their issue and i cant listen to the call to confirm its who it is. This is the 2nd time that someone was able to make fraudulent claims/charges on this account in less than 3 months. They wont let me speak to a manager. I have been given zero documentation on this.

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 2021-08-23
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: Investigation took more than 30 days

Complaint:
I purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX, Ga ) in XXXX. In XXXX I was informed to come in for a recall, they replaced the part on my car my car in XXXX. Since this time, I have been having constant issues with my engine burning oil irregular and causing my engine to stutter. Within this past year of XXXX XXXX, my car has been serviced over 6 occasions. I am part of XXXX XXXX XXXX against XXXX and their defective motors. The engine settlement claim denied my initial XXXX in claims of maintenance because of the issue not being one of their supported issues. 

Since XX/XX/XXXX, XXXX XXXX has had my car in their service shop without providing a solution to fixing my car. XXXX XXXX XXXX XXXX has serviced my XXXX XXXX XXXX for the same matter and keeps saying they cant figure out why my engine keeps stalling out on me. Ive been told by many mechanics that this is due to my faulty engine from XXXX ( A National issue ). Mechanics from XXXX XXXX  ( XXXX  XXXX XXXX XXXX, GA ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ( XXXX XXXX XXXX, GA ) just to name a few shops within this past year alone. ( Georgia ) Ive been told by the Service Technician and Mechanics to let my engine die out and then Come back to XXXX with a claim for my engine locking up. Thats not fair to me as a customer.I need help disputing all charges for late payments since XXXX when these multiple charges for the same engine problem has affected my credit rating paying for car payments and multiple service visits at the same time. Along with rental car charges and inconvenience.

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 2019-02-02
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 an amount of {$610.00} owed was reported to XXXX   from XXXX XXXX XXXX. The creditor is with Commonwealth Financial Systems. I am unaware of this charge or amount owed. It is an unknown provider and unknown service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor 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 non-monetary relief
Consumer complaint received 2022-04-05
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Convergent Outsourcing is attempting to collect a debt that I do not believe is my account. I've been a XXXX customer since XXXX, so I have no idea why they think I wasn't paying XXXX in 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 2022-10-04
Company: Clear Recovery, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a default notice from Clear Recovery claiming that I owe {$390.00} to the creditor XXXX XXXX. I have no idea what this about. I googled XXXX XXXX and that name is not exist

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a mortgage account with Roundpoint Mortgage services out of XXXX, NC. I had fallen behind on my mortgage payments up until about XXXX XXXX, 2016. At that time I paid my account up to date including all past due payments and late charges. However, the company still reported my account 90 days past due even though it was paid before the end of the month, the amount was about {$4500.00}. I have tried multiple times by contacting their customer service line to have the problem corrected. The customer service escalated the issue to another department, which I do not know the specific name of, which I was never actually allowed to speak directly with. I also disputed the issue through the credit bureaus. With the disputes I submitted copies of the mortgage statement that should the amount paid and the date. It also showed that no outstanding balance was due. I finally filed a complaint with the better business bureau. I received a call from the company and was told they would look into it and take care of it. After receiving the results they still refused to correct the information, stating that the reported XXXX late, not XXXX. All of these attempts have still not corrected this issue, which I have been attempting to fix for approximately 9 months.

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 2017-10-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am having issues with Equifax. They are not reinvestigating information that needs to be deleted due to age. Their online system does not allow me to dispute, their telephone system does not allow me to dispute and they never respond to mail disputes. This is ridiculous. I have been trying since XX/XX/XXXX to get 2 items removed that are past the 7 year reporting period. Equifax needs to be put out of business because they obviously can not accurately report items. 

I need the following 2 accounts deleted due to being reported past the statutory reporting period. 

XXXX XXXX XXXX # XXXX this is over 7 years old. The Date of First Delinquency is listed as XX/XX/XXXX but it really was XX/XX/XXXX. This should be DELETED due to age. 

XXXX XXXX XXXX XXXX # XXXX this is over 7 years old. The Date of First Delinquency is listed as 01/2011 but it really was XX/XX/XXXX. This should be DELETED due to age. 

My most recent confirmation # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Experian Information Solutions Inc.
State: MN
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 is showing as a late payment. These payments were deferred at the time and should have never shown as late in the history in XXXX and 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 2023-04-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are incorrect Late Payments listed on my Credit Report, below is the company information. 

XXXX XXXX XXXX XXXX : XX/XX/2018 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, 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:
I have XXXX hard inquiries, most I dont even know about. I called and Transunion didnt help me, so Im looking to you. Its really affecting my credit. I still have inquiries from XXXX which doesnt make any sense, please help. 
Hard inquiries : 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 2017-10-06
Company: ACCESS GROUP INC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX and XXXX of XXXX The Access Group states I defaulted on loans and turned loans over to XXXX XXXX for collection. These loans have been consolidated numerous times and I believe I am already paying on these loans and are not in default on my payments. I reached out to the Access Group for proof that these loans have not been consolidated into my current payments, they refuse to provide any proof or documentation that these loans have not been consolidated. Since I was turned over to collections I have had a negative impact on my XXXX XXXX and have been denied new loans applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX, I lost my self-employed company and was unemployed for over a year, My wife and I started a Loan Modification with XXXX in XX/XX/XXXX. In summer of XX/XX/XXXX XXXX held a one day negotiating with several lenders present. Bank of America was our lender and sat down with XXXX to deliver a Fifteen year, fixed rate at 2.00 percent. We signed loan docs and our payments XXXX were based on fixed rate of 2 percent taxes and ins added. We were told the loan was approved and the payments would begin within 30 days. We were sent loan doc 's on XX/XX/XXXX but ( Loan Modification Agreement ) did not read the docs due to all of our personal issues and did not realize a reputable bank would scam a innocent home buyer. We have now found that we never were issued a fixed rate. In fact a ARM and a Balloon payment in the end of this loan. We now this is an illegal act and XXXX was not aware of the fraud and abuse by Bank Of America. The loan is currently with XXXX XXXX who denies all possible liability. I was given CFPB information directly by 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 2018-03-25
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been dealing with XXXX XXXX/Navient for years and consistently receive the " run around '' regarding my payment plan. I have not missed a payment, but am constantly misinformed and receive multiple versions with every phone call. I will attach multiple images will explain the communication process with Navient. I am holding 5 letters, all dated within a week of each other, stating that I owe anywhere from {$0.00} to over {$400.00} ; one is even from a collection agency. This is a common situation with them. I am at a loss as to how to fight them and am confident I'm being charge late fees that do not apply, etc. Thank you for your time and I appreciate any help you may be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 my bill for XXXX dollars did not go through when it was auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage or other credit card because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: TX
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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date inaccurate, the last active date is inaccurate, the account says open but others say closed. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states i have rights to privacy.

15 U.S.C 1681 section 604 it also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-04-13
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I would like to submit another complaint regarding my taxes. After Flagstar acknowledged that they were wrong in paying my taxes, which are deferred due to XXXX, they sent me a demand letter via XXXX. In this demand letter they stated I have 30 days from the date of this letter to pay {$35000.00} in back taxes. This is ridiculous! How do they expect someone, who is XXXX to come up with this type of money? I have attached all correspondence for your review.

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