BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-27
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
NUMEROUS TIMES I HAVE REQUESTED EQUIFAX TO REMOVE THE FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT. I HAVE CONTACTED THE CREDITORS DIRECTLY THEY HAVE INFORMED EQUIFAX TO REMOVE THE HARD INQUIRIES FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: BMW Financial Services NA, LLC
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 information incorrect

Complaint:
I am contacting the CFPB because it is my last attempt of trying to correct the inaccuracies reported by BMW Financial Services XXXX XXXX XXXX XXXX Ohio XXXX for account XXXX XXXX XXXX XXXX. I have called to speak to two managers XXXX and XXXX trying to escalate this issue to be resolved because it is not only hindering my life but causing a snowball of other problems all due to the negligence of the staffing at BMW. It has been reported two late payments to my credit profile when in fact I have not been. It has been confirmed by multiple employees that the fact BMW is reporting a late XXXX payment when my due date was XX/XX/XXXX, payment received XX/XX/XXXX ( six days later ) ; I should not be counted for a late payment when the payment is incapable of being labeled late until 30 days past the payment date of XX/XX/XXXX ( which would be XX/XX/XXXX ). I have called and complained several times of the need for call monitoring and coaching of staff who informed me that my automatic payments were active when later informed they were not causing me to log in the BMW customer portal to manually submit one time payments. I have over a XXXX credit score, never experienced a late payment in my life which shows this is not a regular trend of actions but in fact is the opposite of my character and habits. I feel that the employee that informed me that my automatic payments were active should be held accountable and that the incorrect late payments reported should be removed immediately. I have personally sent in two packers to BMW Financial Services including a formal dispute which is attached with the details of the incident, copy of my XXXX credit report which noticeably shows my XX/XX/2021 payments as on time and a in depth 50 page packet of my credit report to show that I have never been late with any lender in my life. I am begging for help to fix this issue because it is inhibiting me from closing on my home with my family because it has drastically dropped by credit score and reflected negative payment pattern that is not true. I demand that the XX/XX/2021 and XX/XX/2021 late payments be immediately deleted for account XXXXXXXX XXXX XXXXXXXX XXXX and also the recorded phone conversation with BMW financial services employee be pulled to show that I was given incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
RE : JPMorgan CHASE Loan # XXXX Case # XXXX FHA Case # XXXX XXXX XXXX, my 3rd Party User, received a call from XXXX XXXX, Relationship Manager,  Mortgage Assistance Reapplication Review Team, on XX/XX/XXXX @ XXXX. He missed the call he called back ( XXXX ) gets transferred to Mrs. XXXX XXXX She asks him if there have been any changes since ( XX/XX/XXXX ) circumstances. XXXX doesnt have that file or documents pertaining to that request for short sale to answer if there have been any changes that reflect the current request for short sale. 

What I dont understand is why is CHASE deflecting back to their ( XX/XX/XXXX ) decision not addressing my request to answer the SERVICING AND LOSS MITIGATION, FHAs Pre-Foreclosure Sale ( PSC ) Handbook 4000.1, Sections III.A.2.l.ii. ( B ) ( 1 ) ; III.A.2.l. ( 2 ) ( a ) ( iii ) and III.A.2.l. ( 3 ), the ( minimum 31 days delinquency ) period and marketability of condemned property. My property is not condemned. 

Mrs. XXXX stated to XXXX that he needed to address and wait on XXXX XXXX return call on any FHA Guideline issues : XXXX XXXX, XXXX, Executive Office Research Specialist, Case # XXXX, this is the same response XXXX got from,  XXXX XXXX , Escalations Case Manager on XX/XX/XXXX, to which my loan per Mrs. XXXX is not under Reapplication Review. 

XXXX asked for her Supervisor she stated XXXX " XXXX XXXX XXXX, was the Supervisor. Ive gone from Case Manager to Relationship Manager to Supervisor, Mortgage Assistance Reapplication Review Team. A listing agreement has been submitted to XXXX XXXX. Will anyone address CHASEs apparent violations? 

UNDER PENALTY OF PERJURY, we have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief is true, correct and complete. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX XXXX, Homeowners-Borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 fraud and wrong information on my credit report and I let the credit bureaus know but the information hasnt been fixed

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 2018-03-10
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I was denied a loan and received a copy of my credit report. I realized I was a victim of identity theft so I contacted the police department. I disputed the information with the credit bureaus but they refuse to remove the items even though I have received letters from the creditors stating it was a mistake and will be removed.

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 2017-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX 2017 three fraudulent withdrawals were made from my account. A total of {$7000.00} was withdrawn from my checking account. I immediately contacted Bank of America to inform them that the transactions were fraudulent and submit a fraud claim. My claim has been denied despite the fact I have supplied evidence proving that the could not have been made by me and are therefore fraudulent. I am happy to supply this evidence to you if it would be helpful. My understanding of Reg E is that my liability as the victim of fraud is capped at {$50.00}. Bank of America continue to refund my money despite my repeated efforts to resolve the 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 explanation
Consumer complaint received 2019-02-15
Company: Navient Solutions, LLC.
State: TX
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:
XX/XX/XXXX I graduated from from XXXX XXXX College in XXXX, XXXX not knowing their accreditation was in jeopardy and the school overcharged my loans for payment. I then was contacted by a lawyer because other students was suing XXXX XXXX for being overcharged, accreditation issues, and everyone was having problems with gaining employment when they promised to give students assistance with job counselor for employment but never gained employment! Then the school got closed down immediately after I graduated. I was supposed to receive loan forgiveness because the school got closed down and they got sued from XXXX Attorney General. Navient denied me forgiveness & demanded I payed even though I still was in hardship due to employment. I ended up in default and my credit was destroyed and eventually I got garnishment when I did start working. The situation caused me to be lose my house and car! I was then XXXX with my XXXX kids! Im just now getting out of default and school loan amount went from XXXX to XXXX. I've been trying contact XXXX  Attorney General about the lawsuit because this situation ruined my life and hopes and dreams. The Attorney supposedly sued on behalf of students that from this school and won the lawsuit. Since the lawsuit back in XXXX I have relocated to live with my mother in XXXX with my kids! I've been trying to get help with my situation because the school got closed and was sued!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX 2017 I initiated a security freeze with Equifax as a result of their security breach. I never received the 10-digit PIN required to temporarily lift that freeze. The automated method to do that ( phone or website ) requires the PIN. The hours customer service is available ( M-F XXXX-XXXX CST ) are limited given these are normal working hours and I can not afford to wait on the phone for very long due to my job. 

This agency has violated my protection when I had no say in whether they obtained my financial information or not. Given the significant issues with how they handled this breach, I believe they should be forced to provide more consumer friendly availability to customer service to rectify issues related to their breach. 

I dont expect anything unfortunately given our current state of government under our so-called President, but would appreciate if something were done to hold Equifax accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for two refinances with XXXX XXXX, and I decided I would go with another lender due to the slow response so I withdrew the loans. I had given my credit card so an appraisal could be ordered BUT when the XXXX called I told him I was not going through with the transaction so he cancelled the order and I also notified XXXX. The Processor called me over 3 weeks ago and confirmed she would confirm when they were going to credit back my credit card since the appraisal was never performed and I have never heard back and I also have left two messages for the XXXX to please contact me back on when I will be getting my appraisal fee refunded and have not heard back. I have two other loans with XXXX from previous refinances but now no one will get back with me on crediting back an appraisal fee of {$720.00} on these ( again never was done, XXXX was told when he called to schedule I was withdrawing the loans so he cancelled the order )

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 2021-04-08
Company: Aargon Agency, Inc.
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:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2020-12-13
Company: Convergent Resources, Inc.
State: NV
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:
XX/XX/2018 Covergent Outsourcing reported I owed a debt. I hired the credit people to challenge and dispute this debt.

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 2019-02-15
Company: The Satterwhite Law Firm PC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I XXXX my job during the global financial XXXX  between XX/XX/XXXX-XX/XX/XXXX and as a result could not keep up with my bills. I was summoned to court in XX/XX/XXXX for credit card bill which accumulated interest, penalties and other fees totaling {$10000.00}. Nine ( 9 ) years later after the fact I received a couple of threatening letters letter from the plaintiff XXXX XXXX, XXXX. The Shatterwhite, Law Firm, P.C / XXXX XXXX, XXXX As Assignee of XXXX at my work place threatening to sue me of my property and more court action against me if I do not pay the debt. The case was again brought to court on XX/XX/XXXX and after the hearing the judge issue a verdict in my favor that the case is closed and no discovery is allowed. Please see the attached verdict. 
Two ( 2 ) years later after the verdict I have again received a letter on XX/XX/XXXX from the plaintiff XXXX XXXX, XXXX. The Shatterwhite, Law Firm, P.C / XXXX XXXX, XXXX As Assignee of XXXX harassing me to sue me in court if I do not pay the debt incurred in XX/XX/XXXX even though the case is closed and no discovery is allowed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Unauthorized inquiry by XXXX XXXX through TransUnion on XX/XX/2019. Lowered my credit score. I want this item removed from my credit report and a higher credit score.

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 2017-12-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Per instruction, My husband and I opened two joint accounts in Citi Bank on XX/XX/XXXX and XX/XX/XXXX, and totally deposited more than $ 350K into Citi to qualify its advertised promotion program " XX/XX/XXXX Lunar New Year Promotion '' for Tier 4 ( $ 300K+ ) reward. According to its term, the reward will be available for customer to pick up at their branch by XX/XX/XXXX. But it never came. I contacted XXXX XXXX, Citigold Relationship Manager several times ( Please see attached file for email correspondences ), his first response to me on XX/XX/XXXX was : " We still waiting for more shipment. But I will put in request to see when they are coming '' Then on XX/XX/XXXX was " So sorry XXXX XXXX, we been having problem with our promo department. I will call once it come in '' Then on XX/XX/XXXX, He called me and told me that the Citi promo dept does n't think I am qualified for this reward, because one account primary hold is under my husband name. This is totally not acceptable, as such a rule has never been disclosed or clarified in their promotion advertisement. Even their account manager XXXX XXXX, who handled our accounts does n't know such a rule or he is not trained properly to be aware of such rule.

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 2021-04-08
Company: Commonwealth Financial Systems, Inc.
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:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received 2 phone calls from a man Calling himself XXXX XXXX saying I owed for a Chase Credit card from 2001. I never had a Chase credit card. He even called my brother! He then starts rattling of very VAGUE threats of lawsuits and taking my business license??? I DON'T HAVE A BUSINESS LICENSE ... He is freezing my bank accounts etc.. Unless he's the Federal Gov't ... I dont think anyone can freeze your bank account over a supposed outstanding balance ... lol .... This guy is just harassing people to see who will pay him. He claims to be a paralegal.. but doesn't use 1 legal term that makes any sense .... what a scammer Please stop this scammer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Today XX/XX/XXXX I received a message about an " Important Business Matter '' from the XXXX XXXX XXXX. Because i was at work at the time and headed to a meeting me intention was to contact them after my meeting was over. before i could, XXXX XXXX ( XXXX ) sent me an email to my job asking me to contact him about an important business matter and that he contacted my payroll department and they were nice enough to provide my company email address. He also quotes a XXXX in payroll gave him the information to contact me. I replied to his email asking him to not contact me at my place of employment and that i would contact him after i was out of meetings of that he could contact me via my personal email or via my home address since i was unaware of what this was pertaining to and have never received information regarding this " business matter '' previous to his call. He then replied to my email 2 times after stating that he could not contact me via my personal email to discuss this and that he would be contacting my payroll department again to have assistance with this information regarding me. He then sent an additional email apologizing for contacting yet again. to which i replied i would be forwarding this information to my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I scheduled a payment in advance with XXXX Credit card ( Synchrony Bank ) for it to process on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, my bank notified me of this payment and rejected it due to non-sufficient funds. XXXX deposited the payment early. I have been making payments to XXXX for a few years and the payments never hit my bank account on the same day within a few hours of submitting a payment to process. There is also a disclaimer on their website that indicates when a payment is made, it takes XXXX for processing. My bank statements also shows that scenario as well. The purpose of this complaint is make everyone aware that XXXX will submit and process a payment in advance and not on the date that you ask them to process the payment and to never set up a post dated check because they process it in advance.

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