BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-29
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At some point in our relationship with NewRez, our mortgage company, they decided to switch our status in escrow from " lender responsibility '' to " owner responsibilty '' and have declined to pay our city property tax. They are holding over $ XXXX in escrow for our $ XXXX property tax bill. 

On XX/XX/XXXX, I received a bill from the city claiming that the money was due by XXXX XXXX. I immediately called NewRez and was told to send the bill to them. I did and heard nothing. On XX/XX/XXXX, I repeated the process with another notice to authorize them to pay the bill. Again, I was told it would take a matter of days. 2 days ago, I called them again and was told it may take up to 30 days to resolve the matter and that the fees, penalties, and interest that may be attached to a late payment would also be my responsibility. 

At no point did we ever agree to have our status switched from lender to owner 's responsibility. They are clearly withholding this money in escrow for exactly that purpose. I have been proactive, calling them the day I was made aware that the bill had not been paid. I am worried about a lien being placed against the house and wonder if I need to have a lawyer on hand

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My complaint doesn't fit any options you listed other than it was an attempt to collect a debt. It happened this way : I had a XXXX managed by Synchrony Bank. This matter just resurfaced over an attempt on my part to get a JC Penny credit card. I got an answer from Synchrony Bk saying my credit was not approved due to an unsatisfactory issue with the bank. So I wrote Synchrony and asked for the specific reason for the denial. An answer came back telling me I had an account with them that ended in a charge off. 1yr ago after being robbed, and having my bank acc't compromised, I called Synchrony to set up a time when the remaining balance of {$280.00} would be paid. The agent who assisted me told me he was transferring my call to someone who would handle my payment.The next agent asked me what caused my account to become delinquent? I told her, then she asked if I could pay {$93.00} that would close my acc't would I do it? I said yes, then she proceeded to set up payment arrangements with a caution, all payments must be paid by the due dates or the deal would be cancelled and I would again owe {$280.00}. There was never a time when anyone told me this was a charge off that would negatively affect my credit. Had I known that I would have paid the balance due. 
My point is Synchrony Bk while attempting to help clients like me, is actually doing great harm by not telling customers up front what a Right Off is and how it will affect their credit going forward. I feel the bank should be sued for not being truthful. I tried to go back to the notes I had at the time online but my account has been removed from their site. I will research for my personal notes for dates, and other info in case it's needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm disputing these fraudulent inquires please remove them because I did not authorize any of the following. 

1 ) XXXX XXXX  XXXX XXXX XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) ( XXXX ) 3 ) XXXX  XXXX XXXX  XXXX  ( XXXX ) 4 ) XXXX ( XXXX ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXXXXXXXXXX  ( XXXX ) 7 ) XXXX XXXX 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 2021-02-20
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase offered a 0 % balance transfer option. However, they have continued to charge interest on various portions of the balance, without fully disclosing their practices. Their procedures for applying payments and credits to the various balances clearly evidence bad faith, and constitute unjust enrichment. 

Example 1 : Charges for disputed transactions are applied to a full interest rate transaction. There is no way for the consumer to remove the accruing interest until the account is paid in full. Even when the disputed transaction is refunded ( within the grace period ), or, when thousands of dollars over the minimum payment are made on the account.

Example 2 : Charges for an " annual fee '' are applied to the account and to a full interest rate transaction. There is no way for the consumer to remove the accruing interest rate until the account is paid in full. Even when 1 ) The promotion offer that promises 0 % interest is over 1 year in length, which constitutes false advertising for a 0 % rate when the annual fee then accrues interest over the 0 % offer period, 2 ) The annual fee is waived by the company, 3 ) when thousands of dollars over the minimum payment are made on the account.

Example 3 : Portions of charges are applied to a " cash advance '' interest rate when no such transaction took place. There is no way for the consumer to remove the accruing interest until the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: NV
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 had an charge off account with XXXX XXXX XXXX, I paid that account in full and as a courtesy they agreed to delete the tradeline from my credit report. XXXX, XXXX deleted the account from my credit report but Equifax still reporting the account even though XXXX XXXX XXXX  ask them to deleted from my credit report. Please remove this account from my credit report, here is the letter XXXX XXXX XXXX   gave me asking you guys to stop reporting that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I cancled all of my Wells fargo credit cards because they hounded me day and night about purchases.I went to my branch to do this and told the rep I wanted to pay off every card and cancel them all to avoid anymore calls or payments and I did or at least I thought I did, but XXXX kept sending me on line bills that I ignored, and they droped my score from XXXX to XXXX or so because of XXXX $ or so.My credit cards in fact all of my bills are on auto pay so they are never late and for XXXX to do this after over 20 years of being a customer I think is a kick in the face, so if they don't set this right, I'll be moving my direct deposits to another bank! 

Thank you XXXX 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 monetary relief
Consumer complaint received 2019-06-26
Company: EQUIFAX, 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:
The credit bureaus involved have NOT actually verified the information but instead have instead used the XXXX-XXXX system to verify and have refused to remove fraudulent and erroneous information. See attached letters. Please read in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: BCA Financial Services, 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:
On XX/XX/2021, BCA Financials added derogatory marks on my credit reports per XXXX XXXX and XXXX Upon further research, this account was transferred/sold and I'm no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contact or signature for this accused debt at all, a bill without a signature does not validate the debt and anybody can send a bill and say it mines. According to the FCRA, BCA Financials has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: AR
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:
DECIDED TO MAKE A BIG MOVE IN BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SO I WAS NOT WORRIED ABOUT THAT BEINGTHE FIRSTSTEP. OUTOF SURPRISE A BIG LIST OF ACCOUNTS IB HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT.

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 2021-10-18
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Total account was {$1300.00} XXXX XXXX XXXX XXXX credit collection settled with me for {$960.00} Now I'm seeing a balance on my credit report for {$410.00} that account is settled and it needs to be close at a XXXX balance I've reached out to the company in numerous of time How's change

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 2020-04-29
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
OnXX/XX/2020 I received several alerts about a new account being added to my credit. I immediately go to check my credit, and I see a new collections account from a company called Franklin Collection Sv, XXXX XXXX XXXX XXXX XXXX, MS XXXX, in the amount of {$1000.00}. There's no original debtor listed from what I can see. These are the issues I have. 
1. I am a resident of the state of Florida. Florida law requires any debt collector to be licensed in the state in order to legally collect on a debt. I checked with the Florida Department of Financial Services and the Secretary of state, Franklin Collection Sv is not registered in the state of Florida. So their right to collect any debt here is non-existent. 

2. I have never heard of, nor received any documentation from Franklin Collection Sv informing of a debt, nor allowing me the opportunity to dispute said debt. They have recklessly attached a collections to my credit, without even having the decency of contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: AR
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:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: OH
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 regard to the inaccurate and unknown things on my credit report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after I sent this letter. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately. Thank you. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This issue is an existing problem which Equifax, and XXXX  wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation solve the problem. They said they have verified it but did not give details on how their investigation went..Just remove the accounts asap DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: AZ
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:
XX/XX/XXXX - News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} million to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
You've visited this page 3 times. Last visit : XX/XX/XXXX FTC Charges Auto Dealerships in Arizona and New Mexico with Falsifying Consumers Information on Financing Documents SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/XXXX TAGS : Automobiles Bureau of Consumer Protection Consumer Protection Advertising and Marketing The Federal Trade Commission has charged a group of four auto dealers operating in Arizona and New Mexico, near the border of the XXXX XXXX, with a range of illegal activities, including falsifying consumers income and down payment information on vehicle financing applications and misrepresenting important financial terms in vehicle advertisements. 

This is the FTCs first action alleging income falsification by auto dealers. The complaint also names the dealerships owner and manager, XXXX XXXX, as a defendant, and owner and president, XXXX XXXX, as a relief defendant. 

Buying a car is one of the biggest purchases consumers make. When consumers tell an auto dealer how much they make and how much they can pay upfront, the dealer cant turn those facts into fiction, said XXXX XXXX, Director of the FTCs Bureau of Consumer Protection. The FTC expects auto dealers to be honest with consumers from the first advertisement to the final purchase. 
n its complaint, the FTC alleges that XXXX failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/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 2021-10-18
Company: SLM CORPORATION
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I received an email that Sallie Mae responded to my CFPB complaint however my complaint was closed due to Sallie Mae not being able to offer any type of help. As stated in their response a manger attempted to call me on XX/XX/2021 regarding my issue of lowering my payments, the manager left a voicemail with no extension number for me to get back in contact with her, I called customer service literally 3 or 5 minutes after she called me and they too were no able to get in contact with the manager who called me whos name is XXXX. Sallie Mae advised me that due to XXXX not leaving a call back number/extension they would get another manager or supervisor to call me, I have yet received another call, I have called several times after this and still have been told another manager or supervisor will call me but again no one has. With Sallie Mae knowing my financial situation and them still stating I have no repayment options to lower my payments is ridiculous, how do they expect me to pay almost {$500.00} a month will other bills and having to provide for myself and survive. I really had high hopes that XXXX wouldve resolved this correctly but since they did not I am filing another complaint and will be looking into legal representation since again my issue is not resolved nor has a manager or supervisor tried to get in contact with me since XX/XX/XXXX, all calls are recorded so they can clearly listen to when I called back in 5 minutes after I missed a call from a manager who didnt leave a call back number/extension, Sallie Mae can also listen to the recorded conversations where I have been told numerous times a manager or supervisor will call me and has not, I will continue to seek help about this situation which is why I will be getting legal representation involved if my problem is not resolved

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, 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:
US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX XXXX XXXX DEPT XXXX XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX DEPTEDXXXX XXXX accounts do not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I have a student loan but they are not the one.. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.

Company response to consumer: Closed with explanation