BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: SYNCHRONY FINANCIAL
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 belongs to someone else

Complaint:
I have tried to dispute the account with Synchrony BankXXXX XXXX on my credit report I learned about this account after pulling my credit reports. The credit card was open in XX/XX/XXXX. The amount owed is {$1800.00}. I called the creditor to inform them that I am disputing this account due to identity theft. I sent all the documents needed to prove my case. I was told this account had payments made. I did not make any payments on this account. I can also provide proof that I did not make or send payments for this credit card. I then reached out to my monitoring service to see if they could help and they also sent a dispute for me and called the creditor to see if they received documents and was told to fax power of attorney again I spoke to XXXX in the fraud investigation team on XX/XX/XXXX and states that they did a social media search and the email associated with my account popped up my information, I advised I do not have a XXXX card once again and the email address that I provided does not match their records for the social media search that they claim they completed. I called the creditor after speaking with my monitoring service to see what the outcome and was told they did have all of my documents including the power of attorney. While I was disputing the credit card from and while they were investigating. I received an alert stating I owed a balance and the balance was increasing. I called them to inform them this account was in dispute and why are they still reporting while being disputed and this is illegal. Also called my Attorney in Fact and advised to fax the fraud affidavit back to the organization to fax number XXXX. XXXX in the fraud investigations team was not helpful other than withholding information and then I call my Attorney in Fact to fax over the information and the claim would be open again allow 72 hours and then he asked if I had spoken to the police and i advised not since the initial police report was filed as the account was opened online using my name address SSN and phone numbers and a fraudulent email address.

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 2019-09-04
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Chase Bank is refusing to take responsibility for late payments that were reported on my credit report as a result of their phone agent setting up payments incorrectly during a request for enrollment in a hardship program. I had 3 different accounts set up under the hardship program, 2 of which were set up correctly and reported correctly. However, the third account was set up with automatic transfers on a date that would cause a rolling 30 day late payment to report on my credit report. I called in to set this up around XX/XX/XXXX, only 11 days after the payment due date. Chase has claimed I was already 30 days past due which is incorrect. They keep lying to me on the phone despite my having evidence of the date I called in and the dates the payments were set up. They refuse to take responsibility by setting up the dates incorrectly and not informing me that the date they did choose would put me in a late pay status. The payment amounts were set up to cover more than the statement minimum payment, and I completed the hardship program payments as directed but still have derogatory marks on my credit. This is hugely frustrating and unfair to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never recieved any documents verifying any form of ongoing contract or financial obligation to the company. I have disputed this information with XXXX and the company has provided false information to XXXX  stating I have an existing obligation to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have a promotional balance of 0 % on my account. Before making additional purchases I called, on or around XXXX XXXX, to verify how additional purchases and subsequent payments would be applied ; wanting to maintain my 0 % and avoiding additional purchases to be subject to interest charges. I was informed that any amount paid above the minimum due would reduce the balance subject to interest charges first. At the time my due date was XXXX and the minimum due was {$58.00}. With this information I proceeded to make make purchases totaling {$5400.00}. 

On XXXX I made a payment of {$1900.00} and on XXXX a payment of {$3600.00}. These two payments total {$5500.00} clearly more than the minimum plus purchases. When I received my statement on XXXX my balance related to the 0 % promotional rate have been reduced and I had a balance of {$1400.00} that was subject to interest charges. I called customer service to get and explanation and I was told that this is how it works and they could do nothing about it. I explained that I had called to verify before making the purchases and was told any amount paid above the minimum due would reduce the balance subject to interest charges first. They said sorry but that was wrong and they could do nothing about it. I tried to get an explanation on how the payments were applied give only a portion of my purchases were subject to charges and I was told that is the average for the period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: John C. Heath, Attorney at Law, PLLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I signed up for Lexington Law on XX/XX/XXXX to help repair my credit. On XX/XX/XXXX, I was informed by a friend of mine of a lawsuit between the CFPB and Lexington Law ( https : //www.consumerfinance.gov/about-us/newsroom/bureau-files-suit-against-lexington-law-pgx-holdings-and-related-entities/ ) and elected to go with a smaller company who gives you a lot more  individualized attention. 

After being informed of my 5 day right of rescission, I contacted Lexington Law via online chat to cancel my payments ( all I had paid so far was around {$15.00} for a credit report ). They were quite rude at the beginning ( transcript attached ), but after pressing, they said it had been canceled and I was sent a confirmation of cancelation. The email never came through, I pressed them multiple times and they kept saying it was sent but it never arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Nelnet, Inc.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
As of today I have received endless emails regarding my student loans and repayment even though there is a moratorium on Student Loans until the end of XXXX. Today 's email stated I was past due and the company has placed my student loans back on my credit report impacting how many accounts I have. They have failed to send documents I needed through the mail to show my name change and proceed with reducing my monthly payment and when I did call I got told I had to complete paperwork with the federal government. They refuse to help or work with me directly. The debt with them does not reflect when I pull up my federal loans and this ongoing harassment is not going to be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with the same company ( Freedom Mortgage ) on XX/XX/2020. I tried to file for an insurance claim on XX/XX/2020 when a hurricane came through here. Insurance told me that I had no home insurance. I contacted the company numerous times, but before I did I purchased a new policy on the spot. I got a letter from Freedom Mortgage about a month in a half stating that I didn't have any and they were going to purchase one. I advised them what had actually happened and they were going to look into it I never heard anything. In XXXX I get a call from XXXX XXXX, Sr. Loan Advisor about another refinance and I agree, the process was ongoing thru XXXX 2020 until the last working day and someone called me and told me at the last minute that they weren't going to be able to refi and I had to make a payment for XXXX, mind you the Pandemic and economic strain we are going through so I was late with XXXX, which they in turn reported me to the credit bureau and are sticking me with a bunch of charges and threatening to raise my monthly mortgage. I have called numerous time and spoke to Supervisors an nobody cares and refuse to help me. Last supervisor was XXXX # XXXX from Escorow. I spoke to another agent previous to that XXXX # XXXX, another XXXX # XXXX and other Supervisors I can't find there names now.

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 2023-08-14
Company: Mercedes Benz Financial Services
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-07-25
Company: EQUIFAX, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I contacted Equifax several times about issues pertaining to my credit report and my right my first attempt in XXXX then a complaint here in XXXX now again because they have yet to send me the documents I requested verification of debt how they verified the debt once mines and contracts bearing my signature. 
The following accounts raised concerns and I addressed them multiple times. 
It's been the past 30 days and I would like these accounts deleted from my credit report. 
* XXXX XXXX XXXX XXXX * XXXX XXXX * XXXX XXXX * XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We need to have a mortgage discharge filed with the Massachusetts XXXX XXXX County Registry of Deeds for an unused HELOC. 

We opened a home equity line of credit with Citizens Bank XXXX XXXX XXXX for XXXX on XX/XX/2000. The equity loan was never used. We have contacted several local branches and a corporate contact given to us by one of the branches. The contact was XXXX at ( XXXX ) XXXX XXXX, a case number of XXXX was assigned. The results were that no one we contacted from Citizens could find a record of the HELOC. 

If the HELOC was closed/removed for inactivity it should have been discharged at that point, how do we get the mortgage discharge filed? 

If the HELOC is still active, how do we get it closed and the mortgage discharge filed. 

The mortgage transaction was filed by XXXX for Citizens Bank with the XXXX XXXX County Registry of Deeds on XX/XX/2000. The document filed with the registry of deeds show the XXXX tracking number and customer reference number on the bottom of the last page. The original document was returned to : Citizens Bank Document Control Office Citizens Bank Document Control XXXX XXXX XXXX XXXX, RI XXXX A copy of the Registry of Deeds document and a list of all of the Registry of Deeds transactions are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-11-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent money ( {$1600.00} ) with XXXX from Wells Fargo Online account on XX/XX/2019. 
Money was sent via email address to a person known to me and to an email address that I have used to communicate with her. The money was not received. I filed multiple claims with Wells Fargo Bank. I was on a conference call with WFB and the person I sent money to. WFB knows the person did not receive the money. 

Wells Fargo notified me that the transfer was processed and there is nothing more they can do.

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 2019-05-31
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had my townhouse financed through XXXX XXXX for about 9 years. XX/XX/2019 I was notified that my loan was sold to Flagstar Bank. My loan is PITI with  payments of {$430.00} per month. On XX/XX/2019 I sent my first payment to Flagstar, XX/XX/2019 sent my second payment, XX/XX/2019 sent my third payment. On XX/XX/2019 I was notified by Flagstar that I was behind on my loan and was told that I needed to pay $   XXXX XX/XX/XXXX. I have never missed a payment! I called Flagstar ( I was on the phone with them fo 4 hours ) to se what the problem was. I was told that when Flagstar bought my loan that they also bought insurance for me at a price of {$1900.00}, and that my new payment is {$820.00} per month! I informed Flagstar that I already have insurance on my townhome with XXXX. I have been insured with XXXX  the whole time that I have owned my home. I was then transferred to Flagstar 's insurance division ( had a three way call ). Told them that I already had insurance and had XXXX Fax my policy over to them ( it is good thru XX/XX/2019 ). The person that I had talked to in the insurance division with Flagstar said I see on you paperwork that you do have insurance, and it looks like you should get a refund. Then I was told that I needed to make a payment of {$820.00} to get my loan up to date! I have never missed a payment!!! I never gave Flagstar permission to purchase insurance for me. I already had insurance. Flagstar is now charging me late fees and are about to hurt my credit. I am afraid if this doesn't get straightened out soon I may lose my home. I am on XXXX and can not afford all of this.

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 2023-08-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items. Please do so, to comply with FCRA section 611 which requires all reporting to be XXXX XXXX accurate. 

XXXX XXXX XXXX2022 XXXX XXXX XX/XX/XXXX2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am filing this CFPB complaint against the Professional Bureau of Collections of Maryland because they reported to my credit reports an account without contacting me first upon receipt of the account. I showed a missed phone call on XXXX, XX/XX/2021, and then I received a letter on XXXX, XX/XX/2021. Upon receiving the letter, I called and paid the {$73.00} that day. 
They should have contacted me first to give me a chance to pay prior to putting it on my credit bureau report. The original party, XXXX XXXX XXXX XXXX did not report this to the CRAs, but upon receiving this they PBC of Maryland did. Per the FCRA, they should have notified me of the change of ownership prior to reporting to the CRAs under their name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested a refund from MyFedLoan for my student loan payments I had made during the pandemic. They processed my refund and said I was eligible for a refund of over {$11000.00}. I called to follow up since I had not received my refund, and MyFedLoan told me that my loans had been transferred to XXXX who would be processing my refund. I called XXXX who said they have no record of me in their system but the transfer should be complete by XX/XX/XXXX and to keep trying to register for an account on their website. It is now XX/XX/XXXX and I am still unable to register for an account on XXXX 's website and they are unable to find a record of my account. MyFedLoan 's website indicates that all transfers have been complete, however my record is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following inquiries are inaccurate and need to be removed as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple dates. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX multiple dates XXXX XXXX XXXX  multiple dates XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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