BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: ALLY FINANCIAL INC.
State: DC
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:
The credit report agency has allowed companys to violate the fair credit act by reporting erroneous and non consistent data for over 3 years violating my rights as a consumer. 
I have fought with the bureaus and the company to explain the account balance wasnt showing correct amounts and skipped several months with me paying but the balance never decreased. The attached shows from XX/XX/2019 to XX/XX/XXXX only a slight decrease as if I wasnt paying. However i have bank statemnts from that timw period that i was paying consiatenly. Also when I wrote to them explaining and providing proof of Covid documentation explaining why I was late in a separate incident they still claim I was late but never changed any of that information. Later when I brought to their attention my balance was still incorrect they only changed the information to benefit them and never removed any late payments only trying to cover up the balance mistakes. However affecting my credit score tremndoulsy by having erroneous data reported differently to all credit bureaus for years and excuseable medical documentation ignored. All extra payments to them was never paid to my principal and never documented correctly. They have violated my rights as a consumer. Sharing erroneous information to creditors.

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 2023-08-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IN
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:
I was in the process of applying for a loan when I was told a mortgage company had a lien on my home. I had taken over my grandfather 's mortgage when he passed away in XXXX and paid the balance of the mortgage off at the end of the year of XXXX. The company I paid the balance of the mortgage off to was community loan servicing. I was unaware that community loan servicing had bought the previous company by the named Bayview loan servicing. Bayview is the one with a lien on the house in my grandfather 's name. I am the one who inherited my grandfather 's belongings along with his debt. I also hold power of attorney for him. I had contacted my estate attorney who helped with closing accounts and to get things transferred to my name. When my bank made me aware of the lien with Bayview. We both had a hard time getting ahold of someone due to my account being closed with the company community loan servicing. I was finally able to reach someone by emailing community loan servicing through their payoff request email I had used prior. I was then reached by a woman whose name I do not remember, and she gave me an email to send the document to, but first tried to tell me it was property tax issue without listening to my issue. I was offended but sent the tax warrant on XX/XX/XXXX of XXXX. It was told to me that it would take 30 days to get a response. I also have tried to reach out to the company numerous times with no response to the status. I only have a certain window of time to process the loan I am need of and they pull a hard credit check for this loan. I do not feel I would be able to have the same interest rate as I do now if I do not get help from the mortgage company. I have paid of the remaining balance and the Bayview account number is the same as the community loan service account number. The amount that the tax warrant shows is of XXXX dollars and dated in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: FC HoldCo LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received reports from XXXX and XXXX that Flagship is reporting a debt on my consumer report, I have asked for validation of this debt numerous times that is reporting inaccurate, Flagship is reporting inaccurate and illegal chargeoff of my consumer report. i have sent off letter to Flagship on XX/XX/2021 via certified mail U.S. Postal XXXX, the letter asked them according to my consumer rights to enclose all information that this vehicle was repoed in compliance withing the laws of Texas, they are reporting inaccurate information to the Bureaus of inconsistent this is violation of the FCRA. They are in violation and I will seek my lawyer if this is not rectified in the ordiance for them to remove this. It has been pass 15days, they have received the letter in their office on XX/XX/2021.

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account ( XXXX XXXX XXXX Acct # XXXX ) was properly investigated but how is that possible when the open date is inaccurate and the last date active is not accurate. This is grounds for removal. They also violated my rights under 15 US C1681 Section 602 A states I have the right to privacy. 
15 US C 1681 Section 604 A Section 2 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 non-monetary relief
Consumer complaint received 2023-10-14
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SYNCB/AMAZON PLCC XXXX XXXX I received an alert from XXXX XXXX about an hard inquiry on my Credit Report. I went to view the inquiry and it showed up as SYNCB/AMAZON PLCC XXXX XXXX, I have no knowledge of this account. For the past several months I have been paying off all debts in efforts to increase my credit score. I disputed with XXXX XX/XX/2023 and that same day my dispute was closed saying information was accurate and will remain on report. The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 CR SYNCB/AMAZON PLCC XXXX I then called SYNCB/AMAZON and they have XXXX record of an account or this information on my Credit Report. And suggested that XXXX provide me with information on how they did their investigation. 

This is not my inquiry and I need help in getting it 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 2022-11-01
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Experian Information Solutions Inc.
State: WA
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 contacted both Experian, and XXXX multiple times since paying off an XXXX XXXX XX/XX/XXXX. I provided documentation from XXXX to Experian on XX/XX/XXXX showing the account was paid in full XX/XX/XXXX. Experian contacted XXXX XX/XX/XXXX, despite my documentation, who incorrectly reported that the balance was correct, when it was already paid and closed, reflecting it paid and closed in both confirmations sent to me, and in my XXXX account management. I re-disputed the account, providing the documents again. Experian re-closed the dispute XX/XX/XXXX, claiming again that they " confirmed with the XXXX lender that the information is correct. ". I again reported it as closed/XXXX  balance, providing the documents a 3rd time. I contacted XXXX on XX/XX/XXXX, requesting they update the information immediately. They sent a confirmation of receipt of my written request stating they would respond in 24 hours. They did not respond. I have submitted a 4th dispute with document with Experian. This is getting ridiculous. When a consumer provides proof, how can they unilaterally ignore it and go with a dishonest report from a company? This account is closed and XXXX balance. Furthermore, another account by XXXX is reporting XXXX paid off when 3 payments have been made. These companies are adversely reporting incorrect information and the credit bureau is not fixing their error when the have been provided proof 4 times. How are they doing this? I want my information corrected, and ignoring a dispute with documented evidence is unconscionable. They also refused to remove 2 inquiries that were not mine or authorized by me, addresses I have never resided at nor used, incorrect names that I have never used, and they refuse to correct the information. I can not believe that companies like Experian, who have control over consumers lives, have no accountability to the consumer. I think this is something that needs to be addressed. When a consumer provides proof that information is incorrect, it should be corrected.

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 2023-12-11
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received my XX/XX/XXXX  statement with a balance of {$8100.00}, and payment due date of XX/XX/2023. I made a payment of {$8200.00} on XX/XX/2023. The {$8200.00} was to pay off the statement balance, but also an additional {$120.00} in charges/purchases acquired after the XXXX statement and before my due date. Part of the {$120.00} was an annual charge by the card for {$99.00} on XX/XX/2023. When I received my XX/XX/2023 statement, I was charged {$59.00} in interest for a balance transfer and {$100.00} in interest for purchases ... even though the card balance was at XXXX and the payment was made on time. The balance transfer was not the type that had to be paid in full or the entire interest amount for the term was charged. The rate changed from 0 % to 28.24 % after the promotion expired. My complaint is the representative at Chase ( XXXX XXXX XXXX ) stated that even though I paid the card off in full and on time, I was charged interest for the days of the statement closing XX/XX/2023 to the payment due date of XX/XX/2023. I am not sure how you can continue to charge interest on a card, but provide a due date. If you charged interest the month before, and you state you have until a certain date to make a payment, how can they continue to charge interest when that is the timeframe they allowed to make a payment? Again, I not only paid the statement balance, but also paid the balance acquired after the statement cut off of XX/XX/2023. She further stated that I have to make two full payments in a row before the accrual of interest will stop. She stated for the balance transfer amount on my card of {$59.00}, I would be charged interest ( which this is the amount charged for interest for XX/XX/2023 statement ) ... so now I am paying interest on interest, even when the card balance was brought down to XXXX. With the CFPB trying to crack down on junk fees or unfair/deceptive charges by credit card companies, I would think this falls in line since they give you a date to make a payment but still continue to charge interest. Also, they are now charging interest on interest when a card balance was brought to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I file multiple complaint to Bank of America To removed my email From their system I file a complaint on XX/XX/2021 I was told my email was removed And I would not be getting any more email from Bank of America Because I was harassed by 3 employee XXXX and XXXX and XXXX who Harassed me Multiple times and was told to removed my email On XX/XX/2021 I received an e-mail from Bank of America I would like to know where I can press charges Against Bank of America For continued to used my Email to harass 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 non-monetary relief
Consumer complaint received 2021-12-10
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XXXX XX/XX/2021, I applied for a loan with Nationstar Mortgage /Mr. Cooper ( XXXX XXXX ) led me to believe that after pulling my credit that I was qualified for this loan, and the next step and or process would be simple, he would get the loan to underwriting, I would get an appraisal. The loan should close in about 30 days, and I attached correspondence to support this statement. At no time during this process did anyone from Mr. Cooper indicate that I would need to meet additional guidelines and or requirements under the VA. 
As a result of this loan request and application has affected my credit score and worthiness. I am sure Nationstar Mortgage XXXXMr. Cooper has an ethics policy. My ask is simply that those employees who are involved with this loan and loan application be held accountable in accordance with the procedure. From my past experiences, when employees start making unethical decisions, its because they feel leadership would or has allowed it. 
I say this because I lost my first home to XXXX XXXX XXXX. If you review the case, you will find similarities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Betterment LLC
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I rolled over my IRA from Betterment account number XXXX, and I sent it to XXXX. Betterment charged me {$75.00} to do that, and they did not disclose this brand new policy of charging as of XXXX nor did they tell me about the charge when I initiated the rollover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ok, prior to Covid-19 I was current on my mortgage and then due to Covid-19 payments ceased due to not being able to work. Because of the executive order to stay home I had not made a payment for 18 months. I applied for a forbearance plan to provide temporary relief from making my mortgage payments. I was granted the forbearance and my mortgage was paused. 

As soon as the restriction was eased up, and work resumed I was willing to undertake the responsibility to make payments as my correspondence indicated. This is still my firm commitment. 

I am not asking for them to reduce my monthly payment just want them to resume my monthly payments as usual and or offer me a " streamline modification ''. I also, offered them {$20000.00} upfront to work with me. However, the only offer I was given in return was either a Deed in Lieu or a Short Sale. I was Denied the Proprietary Modification. I then filed a complaint with the Attorney General 's Office, and this brings me to file with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
U.S Department of Education has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Loans from XX/XX/2012 XXXX XXXX XXXX is the College attended XXXX XXXX, XXXX U.S Department of Education/XXXX XXXX has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Same loans from XX/XX/2012 XXXX XXXX XXXX is the College attended. XXXX XXXX, Mo

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 2020-01-24
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX, my identity was compromised. It started with my personal email being hacked. My personal XXXX XXXX XXXX account was compromised, my XXXX XXXX card, my XXXX XXXX card, my XXXX XXXX card, my XXXX  credit card, all of my store credit cards. There was a {$10000.00} XXXX  credit line opened in my name. I was able to get all of the above resolved without a problem. My credit was pulled to try to get preapproved for a mortgage about a month ago, on my credit report is a XXXX account that I have not used since XX/XX/XXXX. This account now has open from XX/XX/XXXX, as well as another XXXX credit line for {$2500.00} from XX/XX/XXXX. XXXX will not speak with me because all of the account information is now different. They transfer me to their fraud department and then I get hung up on, because I can not verify the new information. The address has been changed, the phone number has been changed. I've opened disputes with XXXX  and XXXX, but have not received any response. I can not reach a live person with Experian to file a dispute for both of the accounts from XXXX and XXXX  that are not valid.

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 2023-10-11
Company: Credit Karma, LLC
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
They falsely gave me a list of options that I would most likely be approved for. The website they sent me kept referring me to third party references who took my information down in a breach that I keep spam calls, messages, emails for. They hoodwinked to me because I spoke with a representative to make sure this wouldn't be a hard pull either. They lied. The lenders did not even do the type of loans I was looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The account XXXX XXXX is reporting on my credit a balance of XXXX which is my ex spouses car loan not mine. I never agreed to be a co-signer on the account and Im asking the account to be removed off my account because I didnt authorize this on my credit and its negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The account XXXX XXXX is reporting on my credit a balance of XXXX which is my ex spouses car loan not mine. I never agreed to be a co-signer on the account and Im asking the account to be removed off my account because I didnt authorize this on my credit and its negatively affecting my 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 non-monetary relief
Consumer complaint received 2021-12-10
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The account Kia motors is reporting on my credit a balance of XXXX which is my ex spouses car loan not mine. I never agreed to be a co-signer on the account and Im asking the account to be removed off my account because I didnt authorize this on my credit and its negatively affecting my 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