BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Home was originally purchased in XX/XX/XXXX, loan financed for $ XXXX, with Navy Federal Credit Union. I am a XXXX Veteran, however I have never utilized my VA mortgage benefits. I was injured on the job as a XXXX XXXX, which has affected my finances tremendously. I have requested assistance from Navy Federal with lowering my monthly payment, due to unstable income, when family medical leave is taken due to my ongoing medical condition. However, the modification rules have does not allow for my mortgage to be reduced, which I do not understand. I have received 2 modifications, last one in XXXX, yet I have never been offered a lower interest rate, reduction of the principal ( despite my home value dropping drastically in XXXX ), forgiveness of late fees or arrearages. Last modification my loan was extended from 30 to 40 years, yet payments about the same. The rules seem to require a surplus for the modification to be granted, yet a surplus means disqualification for a lower monthly payment. As a veteran and a XXXX XXXX I have served my country all my life, and now I need help, yet the rules prevent Navy Federal Credit Union from lower my monthly payment, while allowing them to foreclose on my only home and auction it off or short sell it to someone else when I have made years of monthly payments. I have to submit years of tax documents to qualify for the modification, yet my determination is based on 1 months, check stubs, and if I do not have a surplus the modification is denied, if I have a surplus, I am offered a payment plan hundreds of dollars hired than my original mortgage I am currently behind on. At no point have I been offered a mortgage reduction of any kind, therefore no help for me. I provided a hardship letter and a letter from my physicians, explaining my medical situation, however the rules prevents the Navy Federal Credit Union loss mitigation specialist from providing me an option that would lower my monthly mortgage and allow me to remain in my home of 11 years. Late payments on my credit report, and lack of rental history affects my ability to move, so it seems I will be added to the homeless veteran list. These rules and practices are unfair and bias at best, who investigates to determine if profits are being made from the programs supposedly created by the government to assist those of us who are requesting assistance. What qualifications are required to receive a reduction in interest rate, reduction of principal or forgiveness of late fees or arrears, because I want to keep my home. However I was told I only qualify for a payment plan I know I can't afford, so I asked about the Deed in Lieu, rather than foreclosure, only to determine I will not be allowed to utilize my VA home benefits for 2 years once the deed is signed over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. 

Debt reported : Bank of America - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.

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 2018-04-12
Company: Eastpoint Recovery Group, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Contacted by a representative XXXX XXXX claiming to represent XXXX XXXX XXXX The representative then called a XXXX  relative to state I am having an issue with a bank to try and contact me that way. The representative has already been informed I am handling any and all debt through my credit repair service -XXXX XXXX  and not sure who they are representing as I am taking the proper steps to resolve any issues.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I notified Chase XXXX that we would be traveling and gave them the dates. They cut my card off half way through my vacation due to a randomized account review ; it was unrelated to my traveling expenses. I thought it was very neglectful of the company toward their consumer to not take into consideration that I had contacted them about being on vacation. Each person I have talked to gives me the same answer : it will take 10 days to review it. Meanwhile, weve exhausted our primary fund that we were using and now our backup is on hold. Chase has left their consumer out to dry. XXXX never own another Chase account again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My parents have been receiving harassing phone calls from a person who identifies themselves as a XXXX XXXX in XXXX County who claims if I do not contact him he will arrive at my house to serve me papers so I go to court over a debt issue. When I contact the number he left, it is for a company that is going by the name of Alternative Dispute Resolution. I called and spoke with a lady named XXXX who stated she needed my case file and she would have to contact a lawyer. She placed me on hold and then came back on and stated, " I spoke with our attorney and I have the hard copy in from of me. Is your birth date ...? '' I stated that I could not confirm that as I do not give out my personal information over the phone to someone I do not know. She stated that I didn't need to be childish about it. I stated that I was not being childish and that I didn't understand why she needed my birthdate. She stated, " Good luck in court '' and hung up

Company response to consumer: Untimely response
Consumer complaint received 2021-08-19
Company: TRUIST FINANCIAL CORPORATION
State: WV
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:
My monthly payment is due on the XXXX every month, I spoke with a representative and they stated the only +30 day late payment they saw was XX/XX/XXXX which I agreed with. I have noticed multiple 30+ day late postings that Sheffield has reported to all three credit agencies including recently, XX/XX/XXXX which was in fact not over 30 days late. I have made an effort even with being affected by COVID-19 pandemic to pay my side-by-side financed through Sheffield Financial before being late every month. The customer service representative said I could dispute the negative late payments, which I did with XXXX  and it did not change anything. This is severely affecting my credit and ability to obtain a mortgage loan. Sincerely, XXXX 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 2020-09-01
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Bank Amazon has not returned the initial fees used to open a credit builder account in which the balance was paid in full.

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 2018-06-07
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage just changed from Interest only to Principal and Interest.I called the company and told them that XXXX will be hard for me to pay.The payment is not due till the XX/XX/XXXX of the month.

Ever since I called them and asked them for a loan modification they call me every other day asking when I will pay.I told them I will pay by the XX/XX/XXXX.This never happened before.I will pay by the XX/XX/XXXX why do they have to call me so often and harass me.This is bullying by the mortgage company I spoke to XXXX agent XXXX totay XX/XX/XXXX, she harassed me today

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 2018-02-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have 13 late payments on my car loan with Nissan Motor Acceptance. I was having financial hardship with repaying my loan and fell behind on payments at one point. I have reached out to the company with a goodwill letter in hopes that they would honor it and remove but was unsuccessful and they weren't willing to change the status. i am current and have been for the last 12 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of fraud this account from XXXX XXXX is not mine

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 2021-04-30
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA, XXXX I just got off the phone with Equifax. I spoke with May, and she told me that they received my identity theft report. Meanwhile they had removed one inquiry, but the other still remains on my credit report. It is to my knowledge that pursuant to the FCRA 15 USC 1681c-2, the consumer report agencies have 4 business days to block ALL of the fraudulent information that I, the consumer, says is fraudulent. They told me that their company policy is 30 days. Last I checked the consumer reporting agencies MUST abide by FEDERAL law, and their policies must reflect the laws that were set forth to regulate them. I am asking Equifax to remove this fraudulent inquiry below. I am also asking the Consumer Financial Protection Bureau to keep record of this violation, and to also note that Equifax asked me to send them a selfie in order to verify who I am. Their representatives also lie and tell you that their systems are updated when you tell them what they are calling for. How do I know? Because when I called back and asked the next representative if there was a system update throughout the company they told me no, and this happened on more than one occasion. This is unacceptable especially for a company that ASSUMED the role of not only holding my alleged personal information, but also furnishing information on my consumer report that can cause a substantial amount of harm to me as a consumer if reported inaccurately which in this case it is. So I am asking both Equifax and the CFPB to protect my rights as a consumer, under the FCRA. Please see attached the identity theft report along with my license for identification, along with the letter that was originally sent. 

XXXX XXXX Inquiry Date : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report XXXX XXXX Police # XXXX ) a copy is attached. 
Please remove this account from my credit file. 
Thank you.

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 2020-06-27
Company: EOS Holdings, Inc.
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: Information belongs to someone else

Complaint:
After reviewing my credit file I noticed that EOS is reporting a paid medical bill however I have found out that this utility bill is a result of identity theft. I have enclosed my FTC Identity Theft Report, police report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It's been 2 months and this is still being reported as an open unpaid account. This is ridiculous! Please completely remove this off of my credit report from all three of the major credit reporting bureaus : XXXX, XXXX and XXXX. If not my next step is to get a lawyer involved that understands this area of the law to resolve this issue on my behalf. At this point it's not about the money. I already paid you in full, you've been paid. Now it's about your business practices. Please completely remove this off of my credit report from all three of the major credit reporting bureaus : XXXX, XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hi... My name is XXXX XXXX my XXXX XXXX XXXX have an account with synchrony Bank care credit .... because of fraud at my bank and report late payment I never had .... This lender look at my credit which is normal and see me and my father has dropped in score because of the XXXX XXXX crazy stuff they did .... It caused Synchrony dropp mine and my father credit limit from XXXX to XXXX dollars which that is damaging... And to me unfair .... I had XXXX on XXXX... I though the whole purpose of have a card is to have it for emergencies .... we haven't abused a d never late... .The cares act is ineffective when they can cut a limit for me not being in default or problems with them... I was told that they was sorry for accidently making my pay.ent late .... but at the time I or my father knew our limit was cut till at the end of call she mention I believe XXXX balance of XXXX I used XXXX for glasses .... I do t understand how u give a bank everything u have and in a time of need... they cut you for no reason .... they knew about the fraud .... The XXXX is handling it I guess but I but a report to ftc ... and DOJ Civil rights division and I did one with you guys with respect of regulation and authority .... I sent a warning to CRA .... and they failed to send it to the creditors ..... This is ridiculous... ridiculous .... I need help went from good credit till bankruptcy in matter of 6 months with good payment history ... .besides the fraud... but that. An take time... .I know I ca. Never get ahead because of idtheft ... .if it ain't t a stranger it's your family or friends ... .. Syncrony Bank should take a moral issue and stand for what's right... That putting me my wife kids and father who is XXXX yr old vet that's had open credit limit that ain't been touched .... It makes no since .... Synchrony Bank take a Ethical and Moral stand ... .. We pay and we victims and still pay .... but XXXX no late payment and we quailify XXXX coming out of my account .... I paid you XXXX that when on dog passed away no included the other ..... Remember Synchrony ..... I and my father was with yall si ce XXXX XXXX not a late payment nor default .....

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 2020-06-27
Company: EQUIFAX, 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:
SOMEONE STOLE MY IDENTITY AND USE MY SOCIAL SECURITY NUMBER AND SUMMITED SEVERAL FRAUDULENT APPLICATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS.  On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Experian Information Solutions 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:
All of my loans are consolidated, and are under one account number. In addition, this item was not previously listed on my credit report, information was given to a Credit Repair Agency and after reviewing my report after given out to the information to the agency, a review of my account, now show this item. Please remove this item, I do not want to lose a contract that I have on some property. Thank you in advance for any consideration that can be given this 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 2021-05-09
Company: TRANSUNION INTERMEDIATE 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 RECENTLY PULLED MY CREDIT REPORT FROM TRANSUNION AND I NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE. I CONTACTED TRANSUNION VIA TELEPHONE AND THE COMPANIES LISTED TO INFORM THEM THAT I DID NOT AUTHORIZE THESE INQUIRIES AND ACCOUNTS AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. THEY DID NOT TRY TO HELP ME. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE INQUIRIES ARE A RESULT OF IDENTITY THEFT. 

I HAVE ALSO SENT A LETTER TO TRANSUNION ON XX/XX/XXXX REGARDING THE UNAUTHORIZED INQUIRIES. I HAVE NOT RECEIVED A RESPONSE YET. I HAVE ALSO MADE MULTIPLE CALLS TO THEM BUT THEY CLAIM THEY HAVE NOT RECEIVED ANY OF MY LETTERS. 


HERE ARE THE UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 explanation
Consumer complaint received 2019-03-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Multiple complaints filed here, not sure why I even bother. Company basically just says sorry and lies about how theyre fixing it. Usaa is continuing to ruin my credit even though theyve taken unauthorized funds from my account and refuse to fully address the issue. This is criminal and it needs to be addressed and they need to fix the unfair credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX  XXXX XXXX has been in violation of the FCRA, FDCPA and the UCC over a course of years. If they do not get their facts corrected I will litigate.

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