BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: NC
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:
My credit report is inaccurate I have an updated list of missing items on my credit report. 
I need all my my credit reports to reflect the same info I need all inquiries 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 explanation
Consumer complaint received 2018-12-04
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or About XX/XX/2018 A unidentified party accessed my XXXX  XXXX Credit Card Account. They began charging and purchasing overseas products. This was XXXX weekend followed by XXXX XXXX  and XXXX XXXX. 
These individuals added two Chase customer accounts to my XXXX   XXXX Secured Payment Page which means they gained access to my my XXXX  XXXX online account and they added Two ( 2 ) Chase Bank Accounts to my XXXX  XXXX Payment page. 
Over the weekend to which I was busy with the Holiday they some how drained and over drafted funds from my Chase Account. 
I have the ending numbers from the Chase accounts used to steal from me including the emails from XXXX XXXX demonstrating these account were linked to XXXX XXXX. 
Chase bank has refused to take these account numbers from me to investigate who these customers are. I have been damaged and have received some account adjustment but other transactions I did not make are still being investigated. 
Chase Fraud Department was supposed to send me documents to sign that I did not authorize these payments and I did not make any of these purchases. 
I am now told that I will not be receiving these documents and they will not take the Chase Account Information that was placed on my XXXX XXXX Account Page to investigate who owns these accounts at chase and to see how this cyber theft occurred. 
I maintain that Chase bank is aware of who did this and is purposely deferring any resolve for me to avoid liability. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
my mortgage servicer did not pay my taxes and escrow money for a year and now I got to pay it with my mortgage payment in which I am struggling to pay this because of the double amount I have to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My bank statement for the monthly mortgage payment includes a {$10.00} fee. The fee is described as " overdue payments, fees, and charges. I called the bank several times to ask why I am being charged that amount every month but they do not give me an explanation and do not delete the fee. My mortgage payment is done via automatic transfers from my bank so the payments are never late. Every time I called for clarification I get transfer from one employee to another but with no result or explanation of what that {$10.00} fee is for. 

I would appreciate any assistance you can provide me on this matter. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: I.C. System, Inc.
State: MA
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:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-04-29
Company: SYNCHRONY FINANCIAL
State: PA
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:
Synchrony Bank is the issuer of my Sam 's Club credit card and they will not settle a dispute with a merchant. The merchant set-up two appointments for massage but failed to appear at either appointment. I requested a refund of {$150.00} for 3 pre-paid massages, and she has stated in emails that she will, and did refund my {$150.00} ; however, the credit has yet to appear on my account on the computer website for Synchrony bank.

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 2020-07-23
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:
These are not my accounts. 3rd request..

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 2020-08-31
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This complaint is for SYNCHRONY BANK XXXX AND MORE CREDIT CARD. 
I had a contract for 0 % interest for 12months with a {$800.00} credit card limit. The purchase was for {$800.00} of credit. My minimum payment was {$29.00} a month i overpaid my minimum payment each month and after 6 months later my balance was {$500.00} they cut my limit to XXXX on the closing date of the billing cycle without warning. We are on a 12 month contract. 

Them cutting my limit from $ XXXX {$520.00} mid contract breaches the contract. I had 12 months to pay it off it hasn't been 12 months. This drastically decreased my credit score. I want to sue for that reason. My account has nothing to do with their financial COVID-19 issues. I feel the reason for the decrease was not due to my credit card report or history because my credit score has been increasing it's due to their personal COVID-19 issues which is bias.

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 2020-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX Unauthorized charges : ATM XX/XX/2020. XXXX, AZ for XXXX XX/XX/2020. XXXX, Az for XXXX XX/XX/2020. XXXX, Az for. XXXX I reported my card missing to them. 

Funds credited : XX/XX/2020. XXXX XX/XX/2020. XXXX XX/XX/2020. XXXX XX/XX/2020. XXXX XX/XX/2020 fee charge of XXXX XX/XX/2020 fee charge of XXXX I call bank several times to fix it. After several times they would hang up on me. Last call lady said you have to pay us back for the lost. It does not matter how it happened. I ask lady is this what u do make people that work hard pay back money that is there money. She said u lost your card. I said yes, I reported it. I ask them when they credited the funds back if I were okay. Fraud division said no worries u are okay. They l did not tell me the truth. This is wrong. Im upside down with my bill now because of this. Its not far. I stopped by little school pension from going in. She told me they were going to take my money from me. Can u please help me. 

Bank of America

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 2021-11-03
Company: EQUIFAX, INC.
State: GA
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 items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I co-signed my sister for a Santander auto loan but it was a bad loan and Santander got sued by the feds for giving bad loans so in the deal they made with the feds they need to remove that from my credit and my sisters credit however that has not happened The car is a XXXX XXXX XXXX and thats year the deal were made as well ... 

And it got repoed in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Despite three written requests to TransUnion that they are reporting inaccurte information, the two unverified accounts, ( XXXX XXXX and XXXX XXXXXXXX XXXX  ) remain on my credit report in violation of Federal Law. My last dispute to TransUnion was sent on XX/XX/XXXX. TransUnion sent me back the results to their investigation on XX/XX/XXXX stating in writing that they verified the accounts are being reported correctly? I also advised TransUnion that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified or reporting 100 % accurately. TransUnion is reporting a XXXX XXXX account as a {$300.00} FHA loan with a chapter XXXX bankruptcy status. This account dose not belong to me. TransUnion is also a XXXX XXXXXXXX XXXX account with a Chapter XXXX bankruptcy status.

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 2018-03-30
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted and got no results. I mailed them a letter and asked to show proof of this account. They could not show proof I asked them to remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX I filed chapter XXXX bankruptcy. Included in the bankruptcy was a company called XXXX XXXXXXXX XXXX XXXX who was servicing as a collection agency for XXXX XXXX. I have call the collection agency to ask them to update the status of the account and it seemed that they removed it. They were sent notice but as they thought my chapter XXXX was discharged they reported the account to my credit report as unpaid. I do know that doing that is against the law. I can not get resolution from this company and their practices are illegal they are affecting my current job with this information as I informed my employer they were included in my bankruptcy. Here is a example of how they are reporting to my equifax. 

Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXXXXXX XXXX XXXX Date AssignedXX/XX/XXXX Original Amount Owed {$610.00} Amount {$610.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Financial Last Payment Date Date of First Delinquency XX/XX/XXXX here is the proof of my chapter XXXX that was filed : Bankruptcies Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score. 

Reference Number : XXXX XXXX Bankruptcy proceeding is initiated by the debtor 's own petition to be declared bankrupt and have benefit of the law. 

Date Filed XX/XX/XXXX Verified Date Liability Exempt Amount Type Individual Filer Subject Court XXXX XXXX XXXX XXXX XXXX Amount I really need this company to follow the law and correctly remove this status from all of my credit reporting agencies. It is affecting my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Having spent many hours of my time in frustration attempting to enact credit reporting freezes with the three reporting companies, I am compelled to share just a small measure of my experiences. 
An attempt to create an account with XXXX  online ended when I failed to answer one question correctly. I did not know the exact amount of my monthly auto loan payment. I was instructed to call their XXXX number to speak with an agency representative. My first attempt to contact them failed. During my second attempt after a 30 minute wait on hold, I answered all the Customer Service Representatives questions correctly and was told to email or fax all of the following : - Full name - Address - Social Security # - Photocopy of Drivers License - Photocopy of utility bill showing my name - Phone number - Email address Quite frankly, since they had allowed most of this information to be stolen already, I was reluctant to share even more information with them ( and esp. via unsecured means ). At this point, I do not know whether a reporting freeze has been placed, or even if I have created an account with them. 
Next, I attempted the same process with TransUnion. Long story short, I was told that the cost of placing a freeze was {$19.00} and needed to be subscribed to their credit monitoring service and when I cancelled the subscriptionsomething I never wanted and was enrolled in without my knowledgethat the credit reporting with them would be unlocked, in this case after 30 days. After speaking at length with a Customer Service Representative, I felt that Id gotten nowhere. Wisconsin state law requires that a fee of not more than {$10.00} should be charged to lock or unlock. 
Today, I attempted to create an account and place a freeze with XXXX. The process appeared to be proceeding smoothly until the very end when the website was verifying my identity and apparently locked up. At this moment Im not sure the freeze was placed or if I even have a login with them. 
I urge you in the strongest terms to INVESTIGATE, REGULATE AND OTHERWISE HOLD ACCOUNTABLE the credit reporting industry. Further, to prosecute and punish to the fullest extent of the law, any individuals involved in wrong doing in this fiasco. The potential damage from this mess realistically can or will have life-long consequences. Please do your part to help mitigate the damage.

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 2021-02-22
Company: EQUIFAX, 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The typical bait and switch was applied during my mortgage process. Started the process XX/XX/XXXX with a 60 day close XX/XX/XXXX. During this whole time i was due to bring $ 7,000-8,000 to closing. Then on XX/XX/XXXX ( 2 weeks before closing ) I am told that i am going to have to bring nearly {$20000.00} to closing. The mortgage company offered some credits but i am still due to bring $ 16,000-17,000 to closing. Due to timing and needing to close I am trapped to accept this and move forward so that I do not become homeless shopping for a new mortgage company. This is the typical bait and switch at the last minute that has haunted the mortgage companies and Quicken has since applied this to me. They claimed that I no longer qualified for the program because i made too much money but it is the same figure that was given to them from the start.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX began calling my husband demanding payment of {$6500.00} on a supposed unpaid account. We never opened an account with this XXXX  company and I told the gentlemen he was mistaken. We also immediately pulled a credit report and found no such collection on any of the reports. They have been calling my husband every week. We feel this is either a scam or they are seriously mistaken.

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 2018-03-04
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I purchased a dish washer from XXXX in XXXX and applied for a credit card to pay for it. The dishwasher took over a month to arrive and be installed. I received my first bill for the credit card before the dishwasher arrived. The first payment on the {$800.00} bill was due XX/XX/2018. I made a payment of {$200.00} In XXXX I came down with the XXXX. I have a XXXX XXXX so treatment was difficult. I missed the date for my second XXXX payment which was XXXX XXXX. On about XX/XX/XXXX I received my first phone call from XXXX XXXX regarding the XXXX card and they have continued ever since. I was hospitalized for four days with the XXXX  and was hospitalized again this weekend XX/XX/XXXX to the XXXX. This afternoon ( XX/XX/18 ) as soon as I got home from the hospital I had 12 phone calls on my answering system and a taped phone call came at XXXX pm from Synchrony requesting payment on the credit card.

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 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX withdrawal made from my account at Capital One to XXXX XXXX XXXX. According to XXXX XXXX XXXX this was rejected and returned to Capital One.Captial One claim no knowledge of this and are unable to give information on this. They are also extremely difficult to contact. Copy of letter from XXXX attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
New accounts are on my credit report that dont belong to me. My soc # was compromised 3 times last year and data was breached 2 times this year! I am not the responsible party. They are taking my identity using it in other states, opening fraudulent accounts enough is enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have   XXXX   loans through Navient totaling {$33000.00}. My first issue is that one loan is {$13000.00} which seems correct given what was disbursed to the school but the other is {$20000.00} which is no where near what was disbursed to the school. When I asked the company why the loan was so much more expensive they said because it had accumulated interest. My next question was why had it accumulated interest when not only had they just come due that month but the other one had not accumulated any and they could not explain and ended up putting me on an endless hold. My second issue is that my monthly payments total almost {$500.00} and I work an hourly   XXXX   XXXX   so when I called and asked about an income driven repayment plan they offered forbear offered forbearance as and option and I told them no I wanted to establish an income driven plan and they took a financial statement from me and my cosigner and i have heard nothing back from them at all. I have called asking and they say it is still being processed. It has been has been over a month now and they are not contacting me at all not even to badger me about the payment that is about to be 30 days late ( but is not yet, will be as of   XXXX   XXXX  ,2017 ). They did however call my cosigner 5 times last night (   XXXX   XXXX  , 2017 ) and told her that the financial statement she gave was not received because the call dropped. I sat with her when they took that statement and not only that but why wait a month to say " Oh the call dropped we do n't have it. '' Instead of calling me to ask where my cosigners statement was they just let me miss a payment that I have literally no way to afford. I feel like I have been cheated in order for this company to receive a late fee from me.

Company response to consumer: Closed with explanation