BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The information is incorrect I had never filed for bankruptcy. 

FCRA Section 623 CUSHMAN, v. TRANSUNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C No 95-cv-01743 ). 

Defamation, willful injury Extent of damages incurred by the wronged party, as deemed by the courts. 

This following information reporting on the 3 CREDIT BUREAUS do not belong to me : Account name : XXXX, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$1200.00}. 

This information reporting on EQUIFAX does not belong to me : Account name : UNKNOWN, alleged account No : XXXX**** allegedly opened on XX/XX/XXXX with an alleged balance of {$140.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I contacted this bank who took over for JC Penney. I had my credit card balance placed into a collections company to pay off since I did not trust the bank to make anymore errors for purchases they charge which were not mine. I paid this off and am now questioning purchases and demand reimbursementd for those purchases I did not buy.. 
I have spoken to several people including a woman who works for the Office of the President and she just asked me to call others who were absolutely no assistance to me. I also contacted the 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 2019-05-28
Company: EQUIFAX, INC.
State: TN
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 submitted a police report of fraud/identity theft and valid information showing that the XXXX XXXX account and several other accounts that Equifax is reporting is incorrect but they continue to drag their feet and send the same results each time. " Company verified account accurate '', is the response I gotten. I asked for an explanation/documentation but I was told several times its on the way. Guess what? I never received it. I would like these accounts removed immediately because for one it is taken over 6 months for an investigation and I haven't gotten the compliance that I should from Equifax according to the fair credit laws. They are the only bureau reporting this incorrect information at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE 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:
inaccuret information not mine or no knowledge of please remove the items cra and hippa violation sent the po report from 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 2019-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: AES/PHEAA
State: NJ
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 an account with FedLoans. I went into repayment of my loans in XXXX. I am in the PSLF ( public service loan forgiveness ) program. I need to make 120 payments while working for a non-for profit organization full time. I have worked for a non-for profit continuously since XXXX. 

There was a forbearance placed on my account accidentally roughly around XXXX. For approximately 13 months, I was making payments, under an income based repayment plan, on time, while working full time, that were never counted because of this 'inappropriate ' forbearance. 

I realized there was an issue when my total counted payments were not consistent with how long ive been making payments. An inquiry was opened on my account in XXXX of XXXX per my request. The forebearance was removed from my account but the qualifying payments were never recalculated. This case number has been open for over 17 months. They are also supposedly trying to see if my payments with previous government based loan servicers also count. 

I would like my recalculation to be performed as soon as possible, so my family and I can anticipate when I will have loan forgiveness after entering this program. I have chosen my profession, my place of work, and many other decisions have been made based on an anticipated loan forgiveness date. 

Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: SUNRISE CREDIT SERVICES, INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This Company Sunrise Credit Services Inc, put that I owe {$170.00} on my credit-these are the dates this Company put this on my credit. XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX how many times are this going to put this information on my credit which is in-correct- I called them and told them this bill of {$170.00} was paid about 5 months ago it's XXXX   wireless bill I have good credit with them, I'm also going to report them as well to the XXXX for putting in correct information on my credit. I expect them to take this off my credit or I will get a lawyer to handle 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 2018-08-18
Company: LoanCare, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home on XX/XX/2018. We had enough money to put down 20 % and avoid PMI. The closing process required two site visits by an appraiser, the last of which was completed on XX/XX/2018. During the mortgage application process, the value of our home decreased by {$2000.00}. Our lender told us that if we still put down 20 %, our closing costs would increase by {$900.00} from the original quote we received. We were told that instead, we should put down 19.5 %, save on closing costs and pay one month of PMI. After one mortgage payment we were told we would reach the 80 % LTV required to cancel our PMI.

We made our first mortgage payment timely on XX/XX/XXXX and attained an LTV of 80 %. On XX/XX/XXXX, I called LoanCare to request cancellation of our PMI. I was told that I would have to pay PMI for 2 years before requesting cancellation. I researched the Homeowner 's Protection Act of 1998 and confirmed that we met the requirements to cancel PMI. So, I emailed Loancare to provide an official written request to cancel my PMI on XX/XX/XXXX. I received an automated reply that assured me a customer service representative would respond within 5 business days. On the seventh business day, I had not heard anything, so I called LoanCare. I spoke to someone in customer service who told me that my request had not been completed yet, but someone would be in touch within 3 business days. I called back on XX/XX/XXXX and I was told that someone would respond to me by XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Loancare stating that I met the LTV but I needed to pay {$100.00} for a BPO before my PMI could be cancelled. I called Loancare on XX/XX/XXXX to ask if they would accept my appraisal, which is much more in depth than a BPO and was completed less than three months ago. They told me no. I asked why I would be required to pay for a BPO when I had a valid appraisal and they told me it was not their requirement, but my mortgage holder, XXXX. They told me to call XXXX, so I did. On XX/XX/XXXX, I spoke to a XXXX   representative and told him my challenges. He told me the policy was not XXXX XXXX, but it was instead Loancare 's policy.

I have tried to understand the policy related to cancelling my PMI. I have been patient and I feel like I'm not getting anywhere.

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 2021-09-20
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My collection was taken off my consumer report and them was put back on my credit report which is illegal under the rights with Consumer Law. I never gave them consent to put that on my consumer report I also wrote them an affidavit along with an invoice for the damages they have caused me by this action of them putting that collection on my consumer report, and they have not responded back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this complaint against the following credit reporting companies. XXXX XXXX, Experian, and Equifax. There are several accounts and credit inquiries reporting on all three credit reports that do not belong to me. This issue has been addressed on several occasions. I am requesting that these accounts be removed immediately or I will take further action against the credit reporting companies. The accounts and credit inquiries listed below are to be removed upon retrieval of this complaint. 

TransUnion Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Open Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1300.00} Terms : 1 Month High Balance : {$1300.00} Limit : Past Due : {$1300.00} Payment Status : Seriously past due date XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$290.00} Terms : 1 Month High Balance : Limit : Past Due : {$290.00} Payment Status : Seriously past due date Comments : Account in dispute-reported by subscriber XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5600.00} Terms : 42 Months High Balance : Limit : Past Due : {$5600.00} Payment Status : Repossession XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$180.00} Terms : 6 Months High Balance : Limit : Past Due : {$250.00} Payment Status : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5900.00} Terms : 29 Months High Balance : {$10000.00} Limit : Past Due : {$5900.00} Payment Status : Charge-off Comments : Account in dispute-reported by subscriber These accounts were not opened by me and are fraudulent. These accounts need to be removed immediately. 

Fraudulent Credit Inquiries : XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX Auto Reseller XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX  Finance, personal XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Banks and S & Ls 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 2019-10-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I noted my credit score took a steep drop. 
According to FICO service there is a issue with Sears. 

My account was opened in XX/XX/XXXX. 
According to Sears my last payment was made on XX/XX/XXXX in the amount of {$630.00}. My Account then had a zero balance. On XX/XX/XXXX the acct was closed per Sears rep because of inactivity. Well the Sears store near me in XXXX XXXX closed. 

Upon contacting Sears via telephone at XXXX, confirmed with Sears that my account was closed in good standing and have XXXX account balance. I opened my Sears account in the year XXXX, a and was in good standing and used the card for everything in my house and paid it off. 

IT IS NOW REPORTED ON MY CREDIT REPORT THAT SEARS account showing that I was delinquent. states that it shows a zero balance, YET it always shows a delinquent account of XXXX The representative from XXXX told me that others have been having issues with Sears.

Sears is going to send me a letter stating that my account was in good standing and was closed due to inactivity. 

PLEASE CORRECT 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 2019-10-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my savings account on XX/XX/2019 in branch in XXXX. The new account bonus for the savings account was for {$200.00} if you deposit $ XXXX  in new money into the account and keep the money for 90 days. At the time of opening, the agent said I can deposit {$100.00} as the minimum opening account balance and then move in $ XXXX. I have met all the terms, and now its been 5 months and I still have not gotten the {$200.00} bonus.

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 2018-08-18
Company: AES/PHEAA
State: AZ
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:
XXXX XXXX XXXX charges extremely high interest rates, and when you pay, they dont even update your payments on your credit report. The customer service is very rude and they do not care about what we as customers are going through. Everything is about the money, and they do not keep us updated about our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a modification on XX/XX/2018. On XX/XX/XXXX I was turned down saying I had no income for a loan modification. This was incorrect. I provided full income. They also said I had almost XXXX in expense. This was not true my expense is /was XXXX .All of this was put in properly with documentation. I am an older woman afraid of losing my home.

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 2018-03-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a modification from XXXX who sold the loan to Select Portfolio Servicing Inc. on XX/XX/XXXX with last effective on XX/XX/XXXX rate 3.62 % payment amount {$1300.00} of however the services has which term payment amount to {$1400.00} effective XX/XX/XXXX wi4h a letter threating foreclosure on a debt that has been and discharge by bankruptcy and will not permanently modify the loan and continue to have the loan in an negative amortization attached as condition and after discharge it has not been modified prior to select portfolio services the loan and will not provide proof of modification contract, term and condition has changed with out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited two checks in my account both for the same amount of {$2300.00} but two different days. One on XX/XX/2019 and another on XX/XX/2019. I received these checks selling college textbooks to an online site that buys them called XXXX. When i deposited the first check it was XX/XX/2019 and it was put on hold for a while and was released to me today XX/XX/2019 but when i went into the branch i spoke with a lady named XXXX i think at the branch in XXXX XXXX in XXXX XXXX. She helped me and was very rude and prejudice. I guess she believes it was XXXX because i have two checks from the same company for the same amount so when i went in to withdraw she contacted the fraud department and put another hold on the funds that were already made available for me earlier today XX/XX/2019. I dont understand why she would do that is there anything you can do to help me? Ive been waiting weeks now for these funds to be available to me and now shes put another hold on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase sent me letter after 5 years of dealings that my account will be closed I feel I'm being racially profile by Chase card service due too my name color and ethnicity

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi! It's Saturday, and I'm trying to remove my credit freeze through XXXX XXXX online system and keep getting linked to different Equifax websites, none of which actually enable me remove my freeze. I find it very frustrating that an educated consumer can not easily navigate the website to remove a freeze. I was able to easily do so with XXXX  and XXXX, but have spent about twenty minutes through Equifax 's website to remove it and am unable to do so. My only options are to wait until XXXX XXXX on Monday morning to try and talk to a customer representative, which I find unacceptable as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I had put in a dispute claim because I was XXXX  and had wrote netspend for the XXXX in S.C. telling them it's not me spend my money. They sent me out an letter so that got me permission to call them and order a new card to the jail. When I got out put in the dispute claim and they gone tell me they don't see an error. Money being spent XXXX XXXX and all over XXXX and I'm XXXX  the whole time.

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 2019-10-09
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: Information belongs to someone else

Complaint:
Hello I'm reaching back out to you guys because there are still items on my credit that is not mine and on top of that its two more items since then that is not mine. XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Can someone please help me with getting this off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion reduced my credit rating by 74 point on XX/XX/17. I pulled my credit report with transunion and found there was no apparent reason for my credit score to be reduced by 74 points. When I called Transunion they had no explanation but did say that the score they had was different that the one I received through XXXX XXXX, XXXX XXXX and XXXX XXXX. They tried to sell me my credit report again but refused to tell me what the different score they had was. I explained to them that I had a recent copy of my Transunion credit report and could find no negative information that should affect my score by 74 point. and that if they had any negative information that would have caused the 74 point drop in my Transunion score that They needed to make me aware of it so that I had the opportunity to contest the information. They are refusing to be transparent in their reasoning for reducing my credit score by 74 points in one day, nor will they provide me with the " different '' score they claim to have, They are also refusing my the opportunity to challenge any inaccurate information on my report that may have contributed to the sudden significant drop in my credit rating.

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