BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-14
Company: FIRST MERCHANTS CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I reached out to first merchant banks customer service to close my account, I was told I have to go to a branch to close it. The nearest branch is 1.5 hours drive from me. 

I called the branch trying to close my account, was told I will need to mail the branch a notarized letter as well as a copy of my ID to close my account, which means Ill need to risk COVID to get a notarized letter. 

Today I learnt online that other people closed their accounts by calling their branches without issue. I do not believe this is fair. 

In addition, my account had a {$15.00} fee because I couldnt close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sold my XXXX dollar truck because I wanted to get a cheaper commuter. So I asked XXXX XXXX XXXX XXXX for a loan and they are the ones who made as aware of this delinquency. I had no knowledge of any medical bills owed. I pulled my credit report and called I C Systems. I spoke with XXXX XXXX. She let me know the amount owed was {$2300.00}. However I knew that our insurance covered his service. So I called XXXX. I spoke with XXXX, she referred me to my old employer and stated it was my old employers responsibility to pay. While that didnt seem right I called HR at my old employer and she confirmed that it was XXXX I should be talking to. So I called back. I got a lady named XXXX on the other line. She said the amount showed {$2600.00}, and it was paid. She said we had a {$40.00} co-pay that we paid at date of service on XX/XX/XXXX. She said the doctors office must have sent this to collection in error. So I called XXXX XXXX XXXX XXXX and they transferred me to billing where I spoke with XXXX. She said she had no idea why this went to collections. I then called XXXX  back and they referred me to their subdivision XXXX XXXX XXXX I spoke to XXXX. She said they paid this on XX/XX/XXXX and gave me a check number. She said she had an EOB and would fax it over to the collections agency to show it was paid. I am not responsible for this debt. I have never had a late payment, or delinquency in my entire 17 years of having credit.

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 2020-11-14
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In applying to refinance I learned that my current mortgage is not reported on my credit report - unable to refinance since I do not have a current loan. 

I contacted Shellpoint Mortgage Servicing on XX/XX/XXXX2020 and spoke with a XXXX who took a report of the issue. 

Shellpoint was contacted on XXXX to follow up and they informed me that the issue was " fixed '' on XX/XX/XXXX The loan still was not reflected on my credit file, so on XX/XX/XXXX I spoke with XXXX XXXX at Shellpoint. She informed me that the issue was reviewed but it would take time for a full resolution and that it should be resolved in two weeks. 

XX/XX/XXXX I spoke with XXXX XXXX of Shellpoint who escalated the matter to a supervisor. Both XXXX XXXX and the supervisor opened up tickets with the " credit manager '' and I was told it should be resolved in 72-hours. 

XXXX the loan was still not reported, contacted Shellpoint and asked XXXX XXXX to connect me with the " Credit Manager '' there is no such person and the call was referred to a supervisor, XXXX. XXXX advised me to send the complaint in writing. The complaint was sent via US Mail, Certified Mail and eMail ( received by Shellpoint on XXXX ). 

Several transactions are being held up by this companys incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: STATE FARM BANK, FSB
State: IL
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:
XXXX St Farm Bank XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX fraudulent XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX mortgage shopping and I dont have an account with them. I do not recognize this XXXX   unauthorized Factual data-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX Premium credit bureaus XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting a new collection to my credit that I never received information on. This is in violation of my 30 day right to dispute as I never got any notice and only saw the collection once I had my credit pulled.

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 2020-01-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Every time I return an item on my Amazon Prime Store Card by synchrony Bank, I am issued a gift card for the return, instead of a credit to my balance. this is done intentionally, because I am being charged such an extremely high interest rate. 
I want all returns to be credit directly to my store account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: WHEELS FINANCIAL GROUP, LLC.
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 obtained a title loan from XXXX  for XXXX for 36 months. i paid it off in 12 months over XXXX  on fees interest charges.. my credit report shows 4 missed payments due to bounced checks from an east west bank account that does not belong to me. 
my loan should show paid in full and in good standing. the credit bureaus have been advised, ftc and also a police report to show un authorized charges from a checking account that is not mine. XXXX is reporting unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
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 was paid

Complaint:
Charged off account w XXXX  XXXX was PAID IN FULL back in 2019! 
Why are you still trying to collect on a paid debt??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I paid off my loan for my house in XXXX and still have not been able to register the deed because it is held in the name of the XXXX XXXX XXXX XXXX owned by XXXX XXXX XXXX. The loan was a note as contract for deed and the deed was bundled into a trust.The Deed is STILL locked in by XXXX XXXX XXXX XXXX formerly owned by XXXX XXXX XXXX, XXXX. When JP Chase assumed the assets from XXXX XXXX XXXX  in XXXX, they did not register the trust transfer with all the counties that recorded the trust as the deed owners for hundreds of homes, especially mine. While the CFPB did help me get the resultant deed in XXXX, I am unable to register it with the county because they said I do not have providence showing how the deed got transferred from XXXX XXXX XXXX   to JP Chase bank and then ultimately to XXXX XXXX. I need JP Chase to attest that they acquired the trust, XXXX XXXX XXXX XXXX, and that they sold that trust to XXXX XXXX. Without this transaction being properly recorded at the registrars office, I can not register the deed for my home. I presume that since it has been more than 30 years since I bought my home, that nearly all the homes held in this specific trust recorded in many counties across the country, have deeds being held hostage by the now defunct XXXX XXXX XXXX  as trustee owner. Additionally, the Bank never properly recorded the mortgage servicing information with XXXX County as they had agreed to do in XXXX. The last time the CFPB helped me, my request was to find the deed because no one knew who the current trustee of XXXX XXXX XXXX XXXX was BUT NOW I need help getting the JP Chase to properly record the trust transfers. At the very minimum, JP Chase could write a legal document stating when they acquired the XXXX XXXX XXXX XXXX and when they sold it to XXXX XXXX. This is what the XXXX County title examiner said I need to get the deed put into my name finally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted certified letters to Trans Union, XXXX and XXXX   regarding XXXX XXXX XXXX/XXXX for {$2300.00}, XXXX XXXX XXXX for {$3000.00} this account is older than 7 years old from the first day of default, I've even sent them paperwork from XXXX the company that is handling the loans, the letter verified that my first date of delinquency was XX/XX/XXXX and they still refused to removed they accounts from credit bureaus. According XXXX XXXX letter to me that I submitted to each bureau " the federal law requires defaulted student loans be reported to the national consumer reporting agencies for seven years from the date of delinquency ''. Based on that information the account should be removed, yet they continue to send me verified/updated letters.

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 2018-05-03
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
I had a student loan with Navient with the original balance in XX/XX/XXXX showing as XXXX. I received a letter that same date from XXXX, XXXX, and XXXX stating that they would be drafting {$60.00} from my account to begin repayment on this debt and were assuming the debt from Navient. From XX/XX/XXXX till XXXX of XXXX I consistently paid to the aforementioned debtor in an effort to satisfy this debt. I later found out that this payment was not being credited towards the loan from Navient and Navient stated they showed no record of having sent this loan to an outside party. During this time, I received several late payment reporting on my credit report which significantly impacted my ratings. Additionally, my credit report currently shows a past due charged off balance of {$3700.00} and the account is closed and has reopened with a new account balance of {$9200.00}. I would request that the late payment history be removed from any existing opened and closed reported accounts associated with Navient and that the account be updated to reflect a current payment status with no past due/charge off balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Transfinancial Companies, Inc
State: LA
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:
Transfinancial Companies placed an account on my credit reports in the amount of {$330.00} and after several attempts to get validation of the account the company has failed to provide said information. I would like the account removed promptly from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX. 
{$610.00} Balance updated XX/XX/2021 This account does not belong to me

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 2021-05-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
USAA FED SVG BK- XXXX XXXX  Closed account XX/XX/2020 I did not receive any notices by law for the car by USSAA FED SVG BK XXXX XXXX bank no notice to retain the car. 
My husband and I was going threw a divorce when he took the car change all information and insurance. I was a victim of XXXX XXXX. My husband lost his rank in the XXXX and discharge him on base. I could not find the car or knew where he was or the cars. 

I don't understand why I never received any notices after writing the bank and getting the run around. Every time I call it was another person never no one person. Some one going to call back but never call to resolve none of the issues at hand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: CAVALRY INVESTMENTS, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has an account listed on my credit report that is not mine. I am not liable for this debt. I have no signed contract or any contract with this company. I am not responsible for this debt owed. I asked the company to validate the debt, they sent me a bill with an address on it that has never been my address and isnt associated with me in any way. I was not notified that this debt would be placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions 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 account is not mine and I have already provided information to the credit bureaus in regards to this account. I have provided as much information that I have and the creditor has been given ample time to investigate. The request for more information that was already given is a delay tactic and I demand this be removed from my report. This fraudulent account is keeping me from being able to buy a home and causing mental and emotional harm. There is no account information as I never had an account with this company. i am left no choice but to take legal action if this account is not removed from my report. A request for information that was already sent via certified mail is not verification or validation of debt. 

Previous complaint : I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX  XXXX  from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 1. XXXX  XXXX XXXX XXXX - balance is showing charged offed ; was {$8800.00}, account number not listed.

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 2018-06-26
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I applied for a Lowes Credit Card online via Synchrony Financial. On XX/XX/XXXX and XX/XX/XXXX I made several purchases. On XX/XX/XXXX I was apparently charged a Card Security Fee of {$24.00}. 

I noticed this card security fee on XX/XX/XXXX when I setup my online account. I immediately requested this be cancelled and refunded using their live chat system. They processed it but are asking me to wait 2 billing cycles for these changes to reflect. 

It is unfair that I have to pay up front for something that I did not sign-up for. It was my responsibility to get it corrected. And, it is still my responsibility to keep following up to ensure that everything is refunded to me. If I choose not to use the card, it may take up to 6mo for my money to be returned to me in a check. 

I am lucky that I noticed this immediately. A less savvy user could easily end up paying $ 100s of dollars to these crooks annually. This is definitely an overreach that needs to be investigated.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: KY
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 XXXXXXXX XXXX Account # XXXX and XXXX Account # 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 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 2019-03-27
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Regarding your previous feedbacks in CFPB, it verifies that : ( 1 ) NRA ( National Recover Agency ) reported on my history first, and then they tried to inform me.

( 2 ) The day of first delinquency is inaccurate or altered by NRA and reported to the credit reporting agencies. Anyway, the  current debt is not mine, because I have no unpaid statement bill on XX/XX/2018. 
-- - I paid/pay my valid bills within the legal period. My attorney advised me to stop paying any invalid request by any entity. Unless the bill is inaccurate, I am not owed. If you can validate the bill, I am willing to pay in return for your agreement to remove all information regarding this debt from the credit reporting agencies asap, despite the fact that I do not trust NRA based on ( 1 ) and ( 2 ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I co-signed a loan for a fellow student in XX/XX/XXXX.

He had several loans with co-signers before this loan.

By XX/XX/XXXX, I was notified I was responsible for his loan payment, after it was in default for several months. 
I have been paying this loan on and off, as instructed, but since XX/XX/XXXX I  have been paying it consistently through Navient. I have made requests to Navient to be released several times. They tell me only the borrower can release me. 
I located the original borrower, and went to his house this past year, he informed me he had applied for loan dismissal - since he claimed bankruptcy due to XXXX in XX/XX/XXXX. 
He also said, all the co-signers except me, were released from their obligation in that bankruptcy court decision. 
He reports he continued to fight for my release, but had no success. 
I am requesting a review of these events. 
The borrower has been helping me to exhaust all avenues to release me from this obligation. Can you please help me.?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
1 ). I have a duplicate account on my experian credit report that I have disputed more than three times just to get ( Outcome Updated ) as the result. Please help me get this inaccurate information removed from my credit report.

2 ). I have an aged 7 year old closed account that I disputed to have remove but experian will not remove the account. When I dispute this item the result come back as ( Outcome Remains ) Please help me get this aged closed account removed from my credit report.

3 ). I am sending over supporting documents to prove my case.

Thanks

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