BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify  these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sent a wire from my checking account with Citibank to XXXX XXXX. It did not reach my account so they had me recall the wire. They said they successfully recalled the wire but did not know how to get the money back to me because my checking account was closed. They researched it and said they would mail it. They never mailed it. I called back and they said they cant mail checks. 
They told me to go to a local branch. There is not a Citibank in my town so I called one in XXXX and talked to a manager named XXXX and he said he would take care of it on XX/XX/2021. 
Nothing was done and I received no callbacks from anyone and I called the bank again and he will not return my call for some reason. I messaged the bank and the clerk told me to call the wire department which had told me they cant handle it but I called them again and they just put me on hold three times and never answered. The wire was for {$1500.00}. Tracking number XXXX City reference number XXXX XXXX On my account that was closed the account number ends with XXXX and my debit card ends with 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 monetary relief
Consumer complaint received 2017-11-01
Company: SN SERVICING CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I originated my loan last XXXX XXXX, XXXX from XXXX XXXX XXXX with 6 % interest rate at the time of the purchase of my homestead. Due to my difficulties I refinanced with XXXX XXXX XXXX XXXX ( merger of XXXX ) refinanced my loan home yet through long they claimed that the worth of my house was lower than what I owed. My motive of why I would like to refinance is to lower my monthly mortgage. XXXX had signed me note refinance with 7.370 % rate. 
XXXX XXXX XXXX XXXX, always misrepresenting their Company when they clearly stated that they were merger with XXXX and they confused me always to whom or who was holding my notes and to whom I have to communicate regarding for my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available at law by recouping the government Loan Modification benefits and incentives for homeowners like us and their mortgage servicing doesnt want to accept my request for Loan Modification. 
XXXX XXXX, XXXX, I had undergone medical operation. My health circumstances had affected our finances yet I continue to pay my monthly mortgage & dues of {$2000.00} to XXXX XXXX XXXX XXXX faithfully. I am denying allegation of XXXX XXXX XXXX XXXX  that I failed to remit payments as of XXXX, XXXX and after XXXX XXXX, XXXX which evidence of history payment from XXXX XXXX XXXX XXXX that I can enclose in the future. I had requested for the XXXXederal Governments Home Affordable Modification Program, that made available for home owners. I had already communicated and sent requirements to XXXX XXXX XXXX XXXX yet they did not consider my loan that was originated the Deed Of Trust on XXXX XXXX, XXXX and not after XXXX XXXX. XXXX XXXX XXXX XXXX have not dealt to me in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
HJR 192 XXXX THERE IS NO MONEY Company repossessed car despite giving promissory note and tax paperwork on XXXX, spoke to GMAC rep on XXXX who agreed to await for USPS certified mail yet repossessed that same night. I want my car back, loan only 41 days old. My signature paid for loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Navient Solutions, LLC.
State: TX
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:
I became aware of the Public Service Loan Forgiveness ( PSLF ) program around XXXX. At that time, I contacted my loan servicer, XXXX XXXX ( then to become Navient ) and asked the service representative if I could be placed on the right type of payment plan to qualify for PSLF. I was assured that yes, I was on the right type of payment plan. 

Through the following years, I had various phone interactions with XXXXXXXX XXXX/Navient customer service representatives. Each time I asked if I was on the right type of payment plan, and each time, these different representatives assured me that, yes, I was. Around XX/XX/XXXX, I submitted my first Employment Certification form. I have been working for a XXXX XXXX XXXX since XX/XX/XXXX. Upon review, it was determined that my work qualified for the PSLF program, and my loans were transferred from Navient to XXXX XXXX. Upon additional review, XXXX informed me that of all the payments I had made over the years, only 13 payments were considered qualified for PSLF. 

Apparently, I had been under the false assumption, due to false information, that my payments should have been qualified starting around XXXX. This means that while I thought I was on the right plan, I ultimately was not, and about 3 or 4 years worth of potential payments toward PSLF were essentially lost to me. 

In an effort to research the problem and hopefully correct any potential mistakes, I then contacted Navient. Navient confirmed I had only 13 qualifying payments. I asked them how on earth was that possible, as I expected accurate information from their customer representatives. After much discussion, Navient ultimately accepted no responsibility nor offered any avenue for recourse. I asked Navient for a hardcopy of all of my payment history to be mailed to me so that I could review it myself. They agreed. It 's now a good 8-9 months later, and I never received this information. I wish I had documented these interactions in a more meticulous manner, but I 've had dozens and dozens over the years of normal business with this servicer. This is further complicated by the shift from XXXX XXXX to Navient. Quite frankly, it is impossible to even investigate what information might have been lost in that transition. 

I feel like it 's unacceptable to expect regular every-day customers to have the file-keeping, documentation, and advocacy skills of a trial lawyer. I also feel it 's a reasonable expectation that Navient customer service representatives be properly trained, provide accurate information to their customers, and spend sufficient time with customers to understand all the options. The consequences of that failure are somehow placed solely on the shoulders of the customer. Now that my direct loans are being handled by XXXX XXXX, I 'm genuinely curious what options for recourse even exist from XXXXXXXX XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX - XX/XX/XXXX This is over XXXX $ of fraud done on my account {$25000.00} TO BE EXACT Multiple merchants on throughout these transactions Saturday XX/XX/XXXX at XXXX was the last time I used my card from XXXX, I lost access to my chime account after that transaction up until now, my identity was stolen, and after I made my last transaction I NEVER MADE ANY OF THESE TRANSACTIONS FROM XXXX XXXX XX/XX/XXXX NOR DID I AUTHORIZE ANYTHING. I have made numerous attempts to contact chime over the time period and every time I get someone on the line they transfer and Im on a never ending hold EVERY TIME. My account continues to be compromised and they will not do anything about it please help me. Ive also filed a number of police reports. I spoke to someone on the phone when I originally tried to start the claim process and told them I DID NOT HAVE MY CARD & when they sent the dispute form I was rushing to get it done I accidentally crossed out I had my card but immediately sent them an email when I realized what Id done. I did not make not a single one of these transactions shown

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: GOLDMAN SACHS BANK USA
State: GA
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:
XX/XX/XXXX Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/XXXX for my Apple Card account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my XXXX that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. 

Thank you for your consideration. 

Have a blessed day!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Commercial Recovery Systems
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Commercial Recovery Systems , Inc. 
Contacted me XX/XX/17 from a blocked number stating they had a process server needing to serve me. Directed me to call the the plaintiff directly of the civil compliant. 

Refereed me to XXXX with court case # XXXX XXXX who said the case was being brought up against me by XXXX XXXX, and proceeded to give me more information. 

They are misrepresenting the legal status of a debt, with impersonating attorneys, attorneys staff, or judicial employees, in violation of FDCPA.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
I am writing this to complain about Bank of America credit. My account was reported as fraudulent for the amount of {XXXX} because XXXX XXXX  charged my credit card without my consent after I had canceled the service with them and then I called Bank of America and told them, but they had already reported the balance ad delinquent to the credit bureaus. I was not aware that there was a balance on the credit card and for that reason I did not pay it since I had canceled the service. the amount was later refunded by XXXX XXXX  because it was a mistake from their part and I spoke with a Bank of America representative and he promised to remove it from my credit report but they never did. attached please find a letter that was sent to me by the bank of America representative. Please find attached a copy of a letter they sent me and the bank statement.

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 2019-08-07
Company: EQUIFAX, INC.
State: GA
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 two types of discrepancies in my credit file that has led me to believe that I have been a victim of fraud or my information is being crossed with someone else. First of all, there are two bankruptcies appearing on my report and I have never filed bankruptcy. Secondly, there are some accounts that do not belong to me and they are derogatory. I have tried to resolve this issue with the credit bureaus but it has not worked. I have attempted to pull the bankruptcy file from the courthouse for review but have not been able to retrieve any documents. I have also obtain on two separate occasions police reports to prove my case. The case numbers of those reports are listed within the fraud affidavit that I included in my disputes. So far, nothing seems to be working for me when it comes to clearing these errors off my report. I would like to have these items, which I will attach, deleted off my credit report in accordance with FCRA act 605b.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We had a family vacation planned for the month of XXXX and XXXX was not working at the time so I filed for financial assistance for the month of XXXX. I filled out the forms and emailed it to Carrington on XX/XX/XXXX and again on XX/XX/XXXX asking for an update. Never heard back so I called them hoping to get an update on XX/XX/XXXX. I got passed around and never got any answers other than being told it was pending. I called back again on the XXXX but the hold time was too long and I was at work so I ended up hanging up. ( The XXXX and XXXX I called from my work phone line so I will not be able to get phone records ). I called back on XX/XX/XXXX and was told I was denied financial assistance on XX/XX/XXXX because they did n't have all the info they needed. I made the payment the same day. The call on the XXXX was from my cell phone so I can get phone records if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: OneMain Finance Corporation
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: Their investigation did not fix an error on your report

Complaint:
As of XXXX of 2020, my score went down for no reason. I was on a bankruptcy so that prevents me from open credit or anything so my credit score with XXXX  should of never been affected. All the other credit bureaus wasn't. I need that review because there is no need for me to raise anything because my score never dropped over 100 points for any reason. Please research.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: TN
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/2022 I sent in letters to the credit bureaus asking them for verification on the inaccurate accounts that they were reporting to my credit report. The law says that they have 30 days, and it is well over 30 days. I have yet to receive a response from them on this matter. I'm upset and I feel like I'm being taken advantage of. This is a case of misleading false reporting and if this isn't settled, I will file for litigation. Please help me with this matter.

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 2017-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I currently have a Chase checking account that has been overdrawn/non-sufficient funds since XXXX XXXX of this year. I have been going through a financial hardship since XXXX XXXX. I have been trying to come up with way to bring my account current but I continue to get late fees and overdraft fees added to my balance has been very hard to pay. My currently balance due is {$580.00} but {$480.00} is combined with monthly service fees and insufficient funds fees as well. I only recall my account being overdrawn by {$160.00}. I received a notice in the mail on XXXX XXXX. Stating I have an overdrawn {$500.00} which I was not even aware because prior to I did not receive any notices from Chase. Since then I have been charged two more fees of {$34.00} which brigs my total as stated earlier to {$580.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-02
Company: EQUIFAX, INC.
State: MI
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 sent in letters to XXXX Equifax, and also XXXX XXXX I have also called I have also upload my photo Id and social security card to have proper things taking off my credit report. I am not sure why they even keep letting people run my credit with out verifying that it is me. This is why I have a fraud alert on my report. I just so happen to pull my report and this is crazy how they have let just about everyone pull my credit. I recently order my credit report and noticed that there are more then a few inquires that I do n't recognize nor did I authorize. Such as : ( 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 These are the inquiries that are unauthorized and unrecognizable. I have called over and over again and for some reason they keep telling me that there is nothing that they can do. If this is true then why would I even have a fraud alert on my report. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX order The following credit inquiries are related to none of the aforementioned permissible. Please remove these credit inquiries immediately.I would also like and updated report when this problem is corrected. Thank you so very much in advance XXXX XXXX I would also like my correct name and address and right social security number updated along with my phone number. I am attaching copies of all the correct items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Went to go purchase a house with my wife and and when we went to apply for credit I found out that I had alot of stuff on my credit report that didn't belong.

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 2019-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I had a line of Credit Account with Bank of America in Texas with XXXX balance and no mortgage on the house. 
With a line of credit, Bank of America mandates flood insurance. I was not aware my flood insurance policy lapsed, so Bank of America bought a flood insurance for me for {$3300.00}. Once aware that my flood insurance policy lapsed, I contacted my insurance carrier who sold me the flood insurance at market rate for a total of {$620.00} on XX/XX/2019 and effective XX/XX/2019. Once I informed Bank of America that I bought a flood insurance policy they charged me {$840.00} for approximately three months of coverage. 
I believe it is lone sharking rates to charge {$3300.00} for a market policy that is {$620.00}. The prorated three month was hundreds more than the entire year market policy charge. 
I am blessed to not need the line of credit ( which I have already cancelled ) but I would like other Texans to be aware of the inflated rates Bank of America charges because THEY CAN. 
Hopefully, Bank regulars will get involved to limit this lone sharking practice.

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