BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX/XXXX/2015 an online dispute was initiated by me with Equifax, concerning a collection reporting by XXXX XXXX XXXX an amount of {$6700.00}. The investigation was completed by Equifax on XXXX/XXXX/2015. Only 2 days. This led me to believe that a proper investigation into the facts were not done by a human, and the results of this item remaining on my report were all computer generated. I filed a XXXX dispute via telephone on XXXX/XXXX/2015. I asked the agent if any documents were sent by XXXX XXXX XXXX to counter my arguments and documentation from the XXXX dispute. Her response was " NO ''. The agent also assured me that the collection agency will definitely be required to send documentation the next time. This XXXX investigation was completed on XXXX/XXXX/15, only 1 day. They claimed that the debt was verified, and remained on my credit file. I called Equifax again and requested the documents that were sent by the credit collection agency to disprove my information. The agent, ( who would not give me her last name, or the location of the office she was working out of ) informed me that I was not allowed to know what the collector sent to disprove my information. I then requested to speak to a Supervisor. I was connected to XXXX XXXX from the Equifax office in XXXX GA. XXXX XXXX XXXX told me that I was not allowed to know the information that was sent by Resident XXXX XXXX that supposedly countered my arguments for the incorrect reporting. He also said that his agents are trained not to supply a consumer with their last name or office location. I found this highly disturbing due to the fact that these employees had access to all of my personal information right at their fingertips. I also informed him that no documentation was sent by the collection agency to refute my claims during the XXXX investigation, and therefore the this negative information should have been removed. XXXX XXXX continuously insisted that the debt was verified and reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a modification and after making three initial payments on time, the bank refused to accept additional payments without providing a reason. I seeked the advice of a legal counsel and after numerous attempts in saving my home, i have now been adviced that the modification was once again denied. I feel i have no recourse unless this agency assists me. I am desperately trying to save my home and dont know what else to do. Each time i tried negotiating with the bank, they have offered me no options other than foreclosure. I would appreciate your asssistance with this matter. I thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
On XX/XX/XXXX I opened claim with my bank about unauthorized endorsement or alteration to the check. I wrote a check on XX/XX/XXXX to XXXXXXXX XXXX XXXX XXXX  for the amount of {$1900.00}, end of the XXXX the check was cashed out to different payee and different amount ( {$9900.00} ) End of XXXX I travel out of the country with my kids and I returned middle of the XXXX. My billing cycle was about XX/XX/XXXX. I did not see this transaction until I came back home, I got notice from XXXX XXXX. that my bill is unpaid. I contacted my bank twice a week or so, everybody was telling me that can't say anything, I will get my money back soon. On XX/XX/XXXX, I called again and one of agent I spoke to (. hard to remember their names ) told me that my case is closed and I will not get my money back, this lady was very unpleasant, I asked her what can I do more, she said " you have no more options ''. I said thank you and disconnected phone call. I called again in few hours to ask for the reason of denying my claim, I and my husband spoke to another lady - she told us that we did not fit in the time frame - she told us that we supposed to reported it to the bank in 65 days from billing cycle, so I counted and told her that we fit, she was speechless for 30 seconds and disconnected the call and never call me back, so I called again ( this time I recorded all conversation ) I spoke to somebody who wasn't sure about how many days I had to reported the scam but he said something about 30-35 days, I asked for superviser, on the beginning he did not want to connect me to, but after couple time we asked for manager he transfer us. We spoke with manager / vice manager, he wasn't sure too what is the time frame for reporting this, I found that each bank can but doesn't have to do anything. If I wanted to open account I was told that bank has insurance and I do not have to worry about my money. Now bank deposited check that was visibly altered. I reported everything to XXXX, I spoke to Detective who said that check should never be deposited. Bank has no responsibility for depositing/ cashing " bad check ", but seeing alterations on big check bank should contact me or just block transactions. Now I lost a lot of money, and people in banks don't do anything. Bank even didn't want to tell me where my check was deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Colony Brands, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Company-XXXX XXXX  PAID FULL AMOUNT DUE {$47.00} ON XXXX XXXX. 
rECEIVED STATEMENT IN XXXX WITH PAYMENT SHOWING. XXXX  BALANCE. 
XXXX STATEMTN RECEIVED WITH {$4700.00} BILLED PAST DUE PLUS 20.00 LATE CHARGE.cALLED BILLING, ADVISED BILL WAS ALREADY PAID, tHEY VERIFIED XXXX BALANCE DISREGARD BILL.XXXX RECEIVED ANOTHER BILL, nOW ADDITIONAL LAE FEES. cALLED AGAIN AFTER SENDING WRITTEN BANK STATMENT SHOWING PAYMENT, AND iNTERNET COPY OF BILL WIWTH XXXX BALANCE. cALLED AGAIN EXPLAINING SENT LETTER TO ADDRESS OF BILLING STATING FORMENTIONED ACTIONS. wAS TOLD i HAD MULTIPLE ACCOUNTS WHICH WERE NOW AT 4. i ONLY HAD ONE. wAS TOLD BY XXXX A BILLING REPRESENTATIVE SHE WOULD INVESTIGATE AND SEND ME A LETTER FOR THE PURCHASES. i NEVER RECEIVED A REPLY. jUST ANOTHER BILL IN XXXX FOR MORE LATE FEES AND SENDING TO COLLECTIONS IF NOT PAID. i CAN NOT DO ANYMORE THAN THE CORRESPONDENCE i HAVE ALREADY SENT TWICE WITH NO REPLY EXCEPT ANOTHER BILL. i WANT TO FORMALLY FILE A COMPLAINT AGAINST XXXX XXXX FOR THEIR ERRORS. tHEY WILL NOT RESOLVE THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: LA
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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Synovus Bank
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The website has been having errors for several weeks. I have not been able to log in to check my balance and now to make a payment. Now a message comes up stating, due to the status of my account, I must call in. This was happening before my payment would have been considered late. I called on XX/XX/XXXX, and the automated system said due to my account status, I could not make a payment. I tried to reach a representative. Due to it being XXXX XXXX XXXX XXXX, no one was available. Now, I have tried called again for the last two days and the phone disconnects as soon as I request to speak with a representative. No matter how I try, the call always disconnects. There is no email address to try contacting them that way. I also sent an email through the XXXX  website with no response and I made a complaint there as well. I am trying to find out what is wrong with my account and to make a payment. I have faithfully made timely payments on my account since I first opened it, and my account was in good standing. This is infuriating, upsetting, and a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There are two companys being furnished onto my consumer report with my written instructions. I do not have contracts with neither one of them. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality, ( XXXX XXXX XXXX ) XXXX XXXX nor ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 applied for a credit card with XXXX XXXX on XXXX XXXX and was denied because Trans Union reported that I was a delinquent consumer from XXXX credit card. I was in dispute of {$320.00} with XXXX and it was paid off by XXXX XXXX XXXX sending me a check. XXXX reported to trans Union I was in arrears for several months, When in fact I was is dispute with XXXX. 

Now my credit rating has dropped to XXXX and I can't get credit because XXXX reported my disputed incorrectly to Trans Union. Matter of fact it was reported as non payment not even a dispute. 

I called XXXX and was refused help on XX/XX/2022. I was hung up on 3 times. 

So now I am filing this complaint.

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 2016-12-02
Company: JPMORGAN CHASE & CO.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
After being a loyal customer to chase bank for 15 years several accounts credit cards etc never a missed payment never a fraud claim until now. Got fraud on my debit card in a hotel in XXXX where i stayed in XXXX and fraud was done in XXXX. Chase sides with hotel that produced forged documents from the fraud. I have proof i was working in XXXX the days in question and XXXX dollar chase bank is gon na side with XXXX hotel rather than 15 year loyal customer for mere XXXX dollars a month before XXXX the hard working middle class man

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have asked Chase bank to remove me from their mailing list 3x over the past 2 years ; yet they continue to send me promotional letters to open up new cards, checking and saving accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX, I requested a modification because my debt load was too high and I knew I would be unable to make my payment shortly ; especially with it being a 2 year ARM with the XXXX year ending. My lender told me to allow a car to be repossessed and they could possibly assist with lowering the payment $ XXXXmonth. But when the decision was final, they declined to do anything to assist. Months later, I was laid off. They approved a 4 month forbearance and stated that I would still be due for the XXXX payments once the forbearance ended on XXXX/XXXX/XXXX. In XXXX XXXX, I received a call from SECU confirming that I would be making XX/XX/XXXX in XXXX. I told the rep XXXX XXXX that I would, even if I had to borrow the 3 months. However, on XXXX/XXXX/XXXX, I received a letter which said that in addition to the 3 months, I also need to come up with the 4 months they agreed to forbear immediately.

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 2022-09-15
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: Old information reappears or never goes away

Complaint:
The US Dept of Education is reporting false information on all XXXX credit bureaus - they put on Equifax that i had a XXXX loan that the alleged account was opened on XXXX XXXX, XXXX, then on XXXX and XXXX they claim the account was opened on XX/XX/XXXX. I told all 3 credit bureaus that this is IMPOSSIBLE. I went to college in XXXX to XXXX and left college after that - that is when this alleged XXXX loan would be from. therefore, the first date of delinquence would be in XXXX and thus, this is way to old to be on my account. 
The Equifax false reporting i already have a lawsuit filed in the US District Court XXXX XXXX XXXX Case No. XXXX. 
On XXXX and XXXX- the false reporting did not happen until after i already filed the lawsuit against Equifax/US Dept of Ed XXXX I showed both XXXX and XXXX that case and also the fact that the US Dept of Ed is simply making up dates as they choose as i did not get any loans in XXXX, XXXX and the fact it is much different dates between the 3 credit bureaus should show any normal person with 1/2 a brain that something is not right but they have not done any real investigation into the accuracy of the reporting in violation of the FCRA XXXX 
I am also aware of the lawsuit filed by the CFPB against XXXX and their transgressions and i also am aware this is not the 1st time these credit bureaus have been sued for similar situations. 
This is absurd that i am going to have to file another lawsuit vs. the US Dept of EXXXX and also name XXXX and XXXX in the 2nd lawsuit. 
FYI- I also showed XXXX that back in XXXX the US Dept of Ed attempted the false reporting on this alleged debt and back then it was removed from XXXX but yet now all 3 are reporting this false information on an account that is too old to be on my credit. I am filing this complaint so that you notify all 3 credit bureaus as well as the Dept of Education of these transgressions and they all need to remove this false reporting from my 3 credit bureaus or there will be a 2nd lawsuit filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Recon Trust sent documents that raised more questions what is the actual foreclosure date XXXX XXXX or XXXX XXXX Why was there XXXX Trustee Deeds Upon Sale Recorded The purchaser in XXXX XXXX received a Quit Claim Deed - signed by Notary XXXX XXXX XXXX - document unable to be verified by county recorders notary division - XXXX XXXX XXXX - Certified No Record Found XXXX XXXX XXXX is the same person whom posted Certificate of Posting XXXX ( received by XXXX XXXX in XXXX XXXX my first time seeing notice ) XXXX XXXX XXXX is also the Quit Claim Deed notary to Investor in XXXX XXXX - Certified No Record found appears to be fraud and Void

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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: Problem with personal statement of dispute

Complaint:
I appreciate the response to my inquiry. However, I disagree with multiple components of the response. I was never, at any point, contacted by Toyota to address any concerns for potentially late payments and/or credit markers. Each and every time I requested a deferment. Your records will show that I did request a deferment for other months, correct? Then please ask yourselves why would I have failed to do so for other months when I knew this would prevent a credit marker? I feel as though this reporting is unjust. I have dealt with Toyota on multiple occasions and the most recent accounts ( one was just under my wifes name ) never once had a negative payment. However, there were times when we neared one and never once received a call of any sort from Toyota. I also never received correspondence via mail but if I did, it would have been too late. These late payments are adversely affecting my credit score but I no longer have documentation to support otherwise given that it was 5 years ago. Instead, Im forced to rely on what I feel is faulty reporting and an attempt to cover the tracks of Toyota by insinuating that attempts were made to help me. I am very familiar with the process, as evident in deferments that were granted for other months but were documented properly, so why would I not have done that for other months? I also always paid and my account was closed in good standing. I had other payments that were recently corrected via Toyota on this account ( XXXX payments not yet due for removal ) so I know that mistakes were made previously leading me to believe that these are in fact inaccuracies. I request a reconsideration. If call logs can not be produced, then essentially it is my word vs theirs and given that theyve already shown to make mistakes, I will assume that I am correct. I didnt always have the most stellar payment history, but I KNOW I made these payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 

1.XXXX  XXXX Account XXXX XXXX 2XXXX XXXX Account # XXXX 3.XXXX  Account # XXXX 4.XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I hold a secured Amazon store card and was declined t make a request for a credit limit increase. Not simply declined by letter and underwriting, but declined by the phone associate who appears to be violating ECOA.

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 2017-05-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This car loan has been on my credit report over  7 t o 10 years and should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have now submitted and been subsequently denied teacher loan forgiveness about 6 times now for reasons that continue to baffle me. They will list things are not there that clearly are, or that something isn't correct, that plainly is. I will call, they will tell me that it looks correct, and they will resubmit. Then I get another denial, for the same reason or another one. I will make any changes they wish, then get another denial for a previous reason. This latest denial I received on XX/XX/20 listed most all information in section 5 was missing. I doubled checked what I sent in, and section 5 is completely filled out. I don't even think they are looking! These loan forgiveness applications have a 99 % failure rate ... .99 %!!! They are not doing their jobs and cheating people out of programs they clearly qualify for and were counting on! Please help.

Company response to consumer: Closed with explanation