BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-09
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
All of this started XX/XX/XXXX when I decided to check my credit scores via XXXX XXXX. I discovered that my XXXX score had dropped 30 points!! I panicked and immediately called XXXX and had my account frozen, thinking I could have been a victim of some kind of fraud. Because of this, I ended up freezing all of my accounts with the credit bureaus. I was able to figure out that JCPenney had decided to close my store card, without any communication, four years after opening the account. I never had a store card before and I did n't even know this was something that could have happened. Since then I 've called both parties multiple times, launched countless investigations, and even wrote letters to JCPenney directly. Still to this day my XXXX credit report states that my account was opened XX/XX/XXXX and closed XX/XX/XXXX. In reality my account was again, closed without any communication, XX/XX/XXXX! JC Penney has launched investigations and claim that there 's nothing more  that they can do. That XXXX is just reporting the information inaccurately. And XXXX claims that they just report the information that they are given. XXXX is now reporting the correct information and I 've even told XXXX this. Still have gotten nowhere two years later. I never would have imagined they would have been so difficult to get somebody to do the right thing. Not only as what is being reported a lie!!! But the time being reported does n't even make sense as far as " closed due to inactivity '' or any other reason for that matter. I have no faith in the credit bureaus and I will never shop at JCPenney ever again. Please help.

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 2019-07-03
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage contract provides for termination of PMI at such time as the loan balance decreases to 80 % of the original value. I started last fall trying to have the PMI cancelled. They told me I the loan didn't qualify for cancellation of PMI since the balance hadn't reached 80 %. I finally contacting Shellpoint again in XX/XX/1019 to request the PMI cancellation. I received a letter dated XX/XX/2019 stating that as of the date of the letter, the loan balance had fallen to 77.14 % .of the original balance. So they scheduled an appraisal which was finally completed some three weeks ago and the appraisal stated the property had substantially increased in value. So All necessary things on my part have been long completed yet they keep telling my the PMI cancellation is " pending '', whatever that means. I am frustrated beyond tolerable. The customer serviced people have lied to me. When I call they say " we just got this request '' which they have had for months. They won't let you talk to a supervison, saying they don't have supervisors on demand. I ask about the status and they say they can notify " loan servicing '' but they can't call them while I am on the phone. I have emailed loan servicing and the only response is a letter via regular mail days later. This company is the most incompetent, unresponsive and unmotivated collection of pitiful people I have even run across in my life. This company is basically stealing about {$95.00} a month from me. Despite months of trying to get the PMI cancelled, and I clearly qualify to have it cancelled, I still have no idea when of if it will happen. I am contacting the Georgia Dept. of  Consumer Affairs as soon as I finish this report. I will recommend that this company be banned from doing business in Georgia. I am also pursuing legal action as this company owes me the PMI charges they have been making to my account due to their failure to act in a responsible and timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I would like to add my contact telephone number to my credit file : My telephone number is 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 explanation
Consumer complaint received 2017-11-14
Company: Bread Financial Holdings, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received a call from an unknown number and was informed that I would be served with legal papers on XXXX between the hours of XXXX XXXX and XXXX XXXX. Gave me a number that I could call if I needed to reschedule. Received a text message from my sister with a voicemail attached. The same person that called me called her and left her the same message telling her that the message was intended for me but left my sister a message saying that I would be served with legal papers on XXXX. I have never heard of a process server calling someone and tell them that they are going to serve them legal documents and I do not feel that my personal information and situation should be relayed to my family and friends. This is a private matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16
Company: Experian Information Solutions Inc.
State: TX
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:
A company did a hard inquiry on my credit report on XX/XX/2017 which I have no recollection of. I reached out to the company with a certified letter over 60 days ago stating that the hard inquiry needed to be removed. I have recently checked my credit report and the hard inquiry remains.

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 2019-10-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THIS WILL SETTLE MY DISPUTES THAT MY ACCOUNT STATUS IS BEING INACCURATELY REPORTED AS CLOSED OR DEROGATORY BY XXXX XXXX XXXX, XXXX XXXX   AND XXXX XXXX. THE ACCOUNT STATUS OF THESE THREE TRADE LINES ARE SOLD THE PAYMENT STATUS IS SOLD. HERE ARE THE LETTERS THEY SENT TELLING ME THAT THEY SOLD THE ACCOUNT. YOU HAVE THE PROVE TO UPDATE MY ACCOUNT STATUS AS SOLD. TO WAIT 30 DAYS FOR YOU TO INVESTIGATE WILL BE WRONG YOU HAVE THE PROOF THAT CAME FROM THE THREE CREDITORS THIS LETTER ALSO PROVES THAT THERE IS NO COLLECTION ON MY PAYMENT STATUS AS THEY CLAIM ON THE LAST THREE DISPUTES SINCE THEY ARE SOLD THERE IS NO BALANCE AND NO PASS DUE TO BE REPORTING.

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 2019-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is stuff coming up that is over 7yrs old That I have no n.v idea what it is for or who it is should be taken off my cc score history

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/11 I received a letter in my account saying my account was closed by chase bank. 

Ive contacted the bank as to why my accounts was closed and explain to them that I have done nothing wrong. 

I paid all of my credit cards on time The only thing I did was use a 0 APR promotion that they were offering on my card. 

I asked the bank to re-review the closure of my bank, and they still decided to close my account without reasonable merits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: EQUIFAX, INC.
State: NY
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 going through my Equifax credit history and noticed that on XX/XX/2018 a hard inquiry was posted on my account. I have never applied for any line of credit with the company and have never done any kind of business with them. It shows " XXXX '' as the name of the institution and " XXXX XXXX XXXX XXXX '' next to the description. After researching I found out that XXXX stands for XXXX of XXXX XXXX. The credit reporting website said to contact the creditor ( XXXX ) to dispute the inquiry. I contacted XXXX and they said that they could not help, that I had to contact Equifax directly for them to remove it from my account. I then contacted Equifax and told them what XXXX told me and they said that they are only a reporting agency and that the process must be initiated by XXXX. XXXX still does not help and I am stuck with a hard inquiry I did not initiate and 4 hours of my time wasted. None of then want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: EQUIFAX, INC.
State: AL
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:
Equifax representative took it upon themselves to add a included in bankruptcy status on my student loans. That were NOT discharged in bankruptcy but rather paid by XXXX XXXX XXXX and Im still currently making payments on them today. I did not dispute these accounts neither did the creditor report them as being included in bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: RoundPoint Mortgage Servicing LLC
State: CO
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:
We refinanced our home with One company and they sold the loan to RoundPoint in less than 30 days with out our knowledge. RoundPoint called us and said they were out new mortgage company but never properly officially notified us. We were under the impression their calls were scam or fraud. They reported us late payment after 30 days to all credit bureaus. It was a big misunderstanding. RoundPoint has refused to remove late payments from our credit reports

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 2019-10-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
ON XX/XX/2019 ACCOUNT XXXX FROM XXXX SHOWING CHARGE OFF AMOUNT OF {$1500.00} WAS REMOVED FROM ALL THREE BUREAUS AND NOW AS OF XX/XX/2019 IT HAS REAPPEARED AGAIN ON BOTH EXPERIAN AND XXXX XXXX, THESE NEEDS TO BE DELETED SINCE THIS AFFECTING MY 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 2019-05-15
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 is missing that should be on the report

Complaint:
I would like to add my contact telephone number to my credit file : My telephone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been waiting since XX/XX/XXXX for Fed Loan to correct my PLSF payments. I should have 39 qualifying payments from XX/XX/XXXX through XX/XX/XXXX, yet Fed Loan is discounting 6 eligible payments from XX/XX/XXXX through XX/XX/XXXX. <P/>Initially Fed Loan stated that I was inadvertently in a paid ahead status that I never requested. Then in XX/XX/XXXX, Fed Loan incorrectly indicated that my payments were in forbearance. This is not accurate and I substantiated this fact to the Department of Education in XX/XX/XXXX. Additionally, as proof I have the verified Employment Certification forms that cover this period. <P/>Even though I have enrolled in the IBR plan and submitted the necessary documentation, Fed Loan Servicing is unable to bill me accurately and has changed the minimum required amount several times during the last three payment years, without informing me. From XX/XX/XXXX until XX/XX/XXXX, the statements indicated that the amount due was {$0.00}, yet I made payments. From XX/XX/XXXX until XX/XX/XXXX, the amount due ranged from $ 62.00- {$64.00} per month and I was penalized in XX/XX/XXXX and XX/XX/XXXX for paying the exact amount due! <P/>Fed Loan representatives told me that I had not satisfied the minimum amounts that Fed Loan asked for and that I had to make additional payments. When I followed these instructions, I was penalized again for being in a paid ahead status. <P/>I should not be penalized when Fed Loan Servicing fails to inform me of changes in my required payments and provides conflicting information in writing and every time I call for assistance. I had no choice but to use my best judgment and pay more than the statements indicated, yet Fed Loan Servicing still will not process these as eligible PLSF payments. <P/>FedLoan refuses to directly respond to my query but instead has referred me to their Ombudsman Office or Borrower Experience Advocate. These individuals tell me that they are still waiting for a decision from FedLoan. <P/>I believe that Fed Loan is mismanaging my PLSF payments and deceptively trying to cover up their accounting and administrative errors at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX  are reporting incorrectly a charge-off in the amount of {$470.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full and should be reporting a {$0.00} balance. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: OUT TECH, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a wireless service with XXXX, but after a week, they realized that I 'm not qualified for the service, so they asked me to return the phone and they exempt me from any obligation so I did, however, they never make sure that my service is cancelled due to their bridge of contract, I returned the phone in the legal time, but they never noted, they admitted, they made a mistake, by the time I discussed the matter with XXXX, they already sent collection to an agency, they say they can not contact the collection agency on my behalf, however, they gave me an official letter to supply the agency that I owe {$0.00}, but still they put me under collection, which is not fair, when I called the collection agency, they declined to talk to me, they say my problem with XXXX not them.why I have to be under collection and I have proof to prove it with a letter from XXXX please help me take this bad credit from my credit, i feel this is abuse, and tempting to collect something not due the total amount is they say {$530.00} for the phone which I had returned and this my proof thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received a call from an unknown number and was informed that I would be served with legal papers on XX/XX/XXXX between the hours of XXXX XXXX and XXXX XXXX. Gave me a number that I could call if I needed to reschedule. Received a text message from my sister with a voicemail attached. The same person that called me called her and left her the same message telling her that the message was intended for me but left my sister a message saying that I would be served with legal papers on XX/XX/XXXX. I have never heard of a process server calling someone and tell them that they are going to serve them legal documents and I do not feel that my personal information and situation should be relayed to my family and friends. This is a private matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a victim of identity theft and I never entered a consumer transaction with XXXX XXXX XXXX nor have I ever even heard of Credence Resource Management. After consulting with my legal team, I have been instructed to reach out to Credence via the CFPB and registered agent. I have mailed the registered agent via certified mail asking for certain information to validate the debt. I have the right to full material disclosure as the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, my car was broken into at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, AZ XXXX. My passenger car window was shattered. My wallet, gym bag, and lunch tote were all stolen and multiple charges were attempted on all my debit and credit cards, including my old unemployment card. When the electronic fraud alerts populated, I selected that they were fraud charges on all of them so I dont understand how this charge went through. One charge went through on my chase sapphire credit card for {$1100.00}. I have spoken with chase multiple times about this. The first call they reassured me the charge would be removed and no documentation was necessary. The charge was then added back on my card towards the end of XXXX. I called and they said the charge was valid and I am responsible for it because a PIN number was used - there is no PIN number for this credit card so thats invalid. I proceeded with providing screenshots of the drivers license renewal, screenshots of all the fraud alerts I was notified of, and a police report, and they deemed the charge valid still. No one is contacting me directly about it and they are avoiding helping me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This company ( XXXX XXXX ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1300.00} with Equifax credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
<P/><P/><P/>
Please see the letter provided by XXXX XXXX in XXXX 2017 for the removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
BMW claims I did not submit my deffered payment application on time which is not true. The application process is extremely difficult and confusing to the average user my contact with them were multiple and we'll documented I am seeking a fair review of my original application and would appreciate your assistance on this very matter. My contacts with BMW include but are not limited to the following. 

XX/XX/XXXX- XXXX approx at noon XX/XX/XXXX XXXX `` '' XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I spoke with an employee they were unable to assist me I was calling to inform them that their portal was not functioning correctly and I require immediate assistance no fault of my own I was unable to successfully submit the required paperwork through the portal on the BMW app due to the state of their portal functionality.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Bread Financial Holdings, Inc.
State: TX
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 credit inquires listed on my credit report that I did not authorize. After seeing these I reached out to bot companies to have this resolved and removed. I sent both companies certified letters over sixty days ago, yet the inquires still remain.

Company response to consumer: Closed with explanation