BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-06
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i submitteted a complaint but they told me that it was an inquiry instead of a complaint. i now want to submit a complaint. the ten loan servicers i have had over the last 15 years have refused to give me credit for the money i have paid over that time period.I need proof of what iowe. the dates the money was posted to my account. plus i need proof of my payments that was APPLIED to my account because XXXX dollars was posted but never applied. also XXXX was paid through bankruptcy from XX/XX/XXXX to XXXX XX/XX/XXXX i sent them XXXX to cover the rest of the XXXX i owed in arrears. that wasnt applied. i already sent them my proof. Now i want them to send me proof of what i owe because my account history i got from them says i owe XXXX but they say i owe them XXXXCan i please have proof of the XXXX they say i owe? The original loan was for XXXX ... how could this be. I already submitted my proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy filing that was dismissed and should have been removed from my credit. Bankruptcy was file in 2014. 

Also loan modification on current mortgage but late payments that were required to even be considered for a modification are still showing on mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: OH
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/2019 I 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 I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: AES/PHEAA
State: NV
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:
On XX/XX/XXXX, I received a letter from fedloan instructing me to complete my annual Public Student Loan Forgiveness income re certification. I submitted that information via fax on XX/XX/XXXX. Thereafter, I received an email from Fedloan stating that my recertification period expired because I had not responded with 90 days. That was inaccurate I re-submitted my annual certification information directly to the Department of Education on XX/XX/XXXX. DoE emailed me on XX/XX/XXXX stating, Your Servicer Is Processing Your Application. 
On XX/XX/XXXX, I sent a message to Fedloan through the its web based, online messaging system inquiring about the discrepancy. At XXXXXXXX XXXX  on XX/XX/XXXX, I received an email in response stating, " our current Income-Driven Repayment ( IDR ) schedule has been extended by six months. Your application is currently on hold because your current Revised Pay As You Earn ( REPAYE ) repayment plan does not expire until XX/XX/XXXX. Once the 12th bill on your current schedule is generated, we will begin to process your recertification request. '' I called Fedloan 's 1-800-dead-end number today, XX/XX/XXXX. I was told that the XXXX, XX/XX/XXXX email was NOT from FEdloan and is a scam. I was further told to expect an email with more information on XX/XX/XXXX. My Fedloan.com account currently provides this information, We received your IDR request on XX/XX/XXXX. We will review your request and send a follow up email by XX/XX/XXXX. This email will detail next steps and any additional actions needed This information seems un-credible and inaccurate. 
A new representative ( " XXXX '' ) told me I would restart payments on XX/XX/XXXX because the recently announced covid forbearance extension is not official-official. XXXX specifically disclaimed any forthcoming XX/XX/XXXX email. 
Ugh! So typical of Fedloan. Little help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: AR
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 was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX {$7200.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  XXXX {$3200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXXXXXX {$6900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
SunTrust will not close my account! They keep making excuses that I have to deposit money or that they have to wait for items to clear. I have tried several times asking them to freeze the account, calling over the phone, coming into a branch in person. Even when Im standing here in person with enough cash in hand to bring the balance to XXXX, they refuse to close the account claiming that they cant and asking me to come back tomorrow.

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 2019-08-23
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: OH
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 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 I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid 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:
Chase is my bank and I have a credit card with them ending in XXXX. In XXXX of Last year someone used my card fraudulently to order clothing online from XXXX. I have a XXXX and was in the hospital at the time and when we received packages we didn't order, XXXX allowed us to use labels in the packages to send them back for free, which we did. They acknowledged the return via email and said they issued a refund but then they never ever did. We have tried to work with Chase since they are our bank and XXXX won't reply but Chase refuses to help. We have opened these disputes as disputes and as fraud and the close the case every time without even contacting us. I have asked them on multiple occasions not to call since I am very sick but they continue to do that. 
This is ruining my credit. I have stopped paying on the card. 
I have read over the fine print of my credit agreement and by law they have to support legitimate disputes and fraud cases .I have proved with documentation that these are legitimate cases and returned. XXXX refuses to reply with the tracking numbers, however, they did reply with confirmation of the returns which is enough to credit my account but Chase refuses and now the charges are getting older and older and nobody is doing anything. 

I feel some of this is discrimination against the XXXX since I am fully XXXX and can not call in most days or answer the phones and they take advantage of that. I have saved all correspondence with them and proof and all the times they have ignored my pleas. I need help. 

Please help me. 

charges are all for XXXX.com XX/XX/17 {$190.00} {$140.00} {$82.00} {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: AZ
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:
This company XXXX XXXX XXXX is reporting that I open an account with XXXX and owe them {$1300.00} dollars. They stated that I open the account on XX/XX/2018. I have a existing account with XXXX and I am in good standing. I ask them to produce some documents with my name or signature on it showing that this is fraud and belong to someone else.

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 2020-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
In XX/XX/XXXX I was in a car accident that was my fault. I was XXXX years old and had no financial help. I used a XXXX XXXX credit card to pay to fix the other persons card which made the total {$4100.00}. This maxed out my limit and then I proceeded to make minimum payments. XXXX XXXX then closed my card in XXXX of XXXX. Multiple collection agencies passed it around and it recently ( XXXX ) landed at a new collection agency. The current agency is Porfolio Recovery Associates. They are falsely reporting that my card closed in XXXX when it closed in XXXX. Due to this card being closed for just under 7 years I would like to have it removed from my credit. I am now 6going on 7 years older and would like to progress in life and I can not do that with this delinquency from when I was younger and immature at the hands of a recovery agency I have never heard of nor has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2009, I was notified of a default judgment against me by XXXX XXXX XXXX. I then went to court and filed paperwork based on the fact that ( 1 ) this is not me, and ( 2 ) I was never notified of any debt from XXXX XXXX. 

For many years thereafter, I would get a letter from a collection agency stating that I owe this and need to pay. I would then respond that this case was dismissed and I do not owe anything and I am not the correct person. They would not contact me again. However, they would sell this supposed debt to another agency under false pretense that I did owe the debt. Then I would have to do this again and again each time. 

I received another letter last XXXX from Resurgent Capital Services located in XXXX, SC. I responded that I do not owe this debt because I am not the same person, and this case was dismissed entirely. They did not reply. 

Then early this month, I received another letter from Resurgent Capital Services trying to collect this debt. However, this RCS is located in XXXX, MI. And they attached a copy of the default judgment that has no effect given the default was set aside and the case was dismissed. The purposely left out the fact that this case was dismissed and tried to trick me into thinking there was a judgment against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: Checkr, Inc
State: CA
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: Information is incorrect

Complaint:
The company is reporting this Aliases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which are incorrect my Legal and only name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: JPMORGAN CHASE & CO.
State: NY
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: Problem with personal statement of dispute

Complaint:
I was late on the final payment of an auto loan, and now my account shows a delinquency. This impacts my credit score as I look to refinance my mortgage. Other than this, my wife and I have a pristine credit history. This is not a financial issue as my wife and I have more than sufficient assets.

I had a XXXX XXXX XXXX  5 year loan financed through JPM auto. I thought that my last payment was for XX/XX/XXXX, as I had received letters indicating such ( which are now long gone ). Some confusion between XXXX XXXX XXXX and JPM Auto. My mistake, apparently. I own this error, but extenuating circumstances As of XX/XX/XXXX, we left XXXX due to Covid and have since been at our weekend house. At the end of XXXX, my wife picked up the mail in the City. This is how I learned that I still owed another payment. I made that payment as of XX/XX/XXXX and JPM released the lien on XX/XX/XXXX. Therefore, loan was paid in full. 

I can send all documents if there is anything that can be done. 

The problem is that JPM reported this 30 + day late payment to the credit agencies. Therefore, dropping the credit score for me and my wife by over 50 points. This is relevant as we are looking to refinance a mortgage, and our credit score impacts the rate. 

As you might understand, a Pandemic is a pretty good reason to make such a purely accidental payment error. I spoke to JPM. They refuse to send a letter explaining ing such to the credit agencies. 

I spoke to XXXX. They said that JPM could send a letter explaining the situation and noting that the account is paid in full and that Covid was the primary issue for this error. 

JPM says that they have reported the incident per legal requirements and their obligation ends there. This error will now follow me around for 7 years. 

Is there anything that can be done? Seems rather unfair. 

Account Number : XXXX VIN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
American Express XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX SSN XXXX To American Express XXXX AMEX XXXX -- -- -- We started this process on XX/XX/XXXX with your attorney that is still listed as the point of contact for this lien. On XX/XX/XXXX we were told by your attorney to contact you directly at XXXX. We did and were told by your representative to fax in the authorization and also to mail it in to XXXX XXXX XXXX, XXXX XXXX TX XXXX. -- -- -- -- - On XX/XX/XXXX we followed up to make sure you received the fax. We were told you do not accept faxes and have no idea where that fax number goes. We were also told the mailing address we sent the authorization to was only for payment processing and in fact they had nothing to do with authorizations. We were then given a completely different mailing address -- - All of this was after XXXX minutes of getting the run around from each representative - being hung up on, put on hold, transferred to multiple different people ( most with issues of comprehension and information retention ) -- -- -- -- AMEX IS PURPOSELY BLOCKING EVERY ATTEMPT TO GET AN AUTHORIZATION TO THEM FOR THIS LIEN RELEASE. XXXX YOU ARE ALSO BLOCKING THE IRS FROM GETTING A SUBSTANTIAL AMOUNT OF MONEY OWED TO THEM THROUGH THE SALE OF THIS PROPERTY ****** This is unacceptable and must stop immediately. Attached are copies of our authorization and the lien on the property. 

-- -- -- -- -- - I expect this authorization to be uploaded to the clients account immediately and without further delay. I also expect a response to the request for settlement without further delay. -- -- -- -- - -- -WE WILL BE NOTIFYING THE IRS THAT AMEX IS BLOCKING ALL ATTEMPTS TO GET MONIES OWED TO THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
An unauthorized ACH debit transaction of XXXX was made from my savings account at chase bank on XX/XX/2019 and an ACH debit transaction of XXXX was attempted on XX/XX/2019 but failed due to insufficient funds. This is because my entire savings account had been wiped out. I had possession of my bank card at all times. 

I am currently outside the United States and did not notice this fraudulent charge on my saving account until XX/XX/2019. I also never received an email or warning on someone making such a large unauthorized transaction. I immediately called chase bank to report the fraudulent charge but I was told that they were unable to do anything and would need to " mail '' me a form that would need to be filed with their claims department before any type of investigation could be made. I tried to explain that I was out of the country and would required the form to be emailed instead but I was told that-that was not possible. I have since called chase bank on a daily basis and are still waiting to receive the form via mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a boat almost a year ago. My due date is on the XXXX, and I have made my payments every month - no exception. My last payment was made on the XX/XX/XXXX and should have satisfied the XX/XX/XXXX payment. Unfortunately, and unbeknownst to me, the billing cycle closed on that day and it was counted in the previous cycle and therefore did not satisfy the XX/XX/XXXX payment. When an associate called to advise that my payment was " late, I was taken by surprise. We had this situation in XX/XX/XXXX of last year because I made a payment on the XXXX. They advised to make payments after the XXXX. They stated that the closing date varies, but that I would be fine if I made the payment after the XXXX. This is what I have done!!! Now we have talked to three associates and they are refusing to correct the posting to the following day so that it will satisfy the XX/XX/XXXX payment. They have given no explanation as to why they wouldnt do it just that they have done it once and ABSOLUTELY will not do it again. Moving the posting date of that payment doesnt negatively impact anyone except for me Synchrony collects interest on the balance of the loan for one extra day at a higher balance. This unwillingness to repost this payment is unfair and deceptive. They know that the payment I made was intended to satisfy the XX/XX/XXXX payment, as they received the XX/XX/XXXX payment on XX/XX/XXXX.

When I asked to speak with a manager, they advised that it would take 3-5 business days to speak with a manager! I MAKE A PAYMENT EVERY MONTH - they should not be attempting to collect the XX/XX/XXXX payment when the payment they received onXX/XX/XXXX was to satisfy the XX/XX/XXXXpayment. They did not correctly inform me of the closing date, and this is their error and miscommunication. Their error could result in negative credit reporting ... this is not fair!! I have made a payment every 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 2021-10-04
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation