BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: FORD MOTOR CREDIT CO.
State: CA
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:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: High Point Asset Inc
State: KY
Product: Payday loan
Issue: Can't contact lender

Complaint:
Third party company states I still owe for pay day loan from 2011, when loan was paid. High point asset is calling my cell phone and work phone which I have said is not acceptable because I work at a hospital and it effects patient care. I have requested validation of so called debt numberous times by mail only but have n't got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: NY
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 called Experian after I purchased a credit report from Experian on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Accounts : XXXX XXXX, XXXX XXXX XXXXon my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts are inadvertently resulting in me being extorted.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Greetings, my name is XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.

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 2016-10-31
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Jefferson Capital Systems is reporting a debt that was paid directly to the creditor which was XXXX XXXX. After speaking with Jefferson Capital Systems they did see that the account was paid directly to XXXX XXXX and still reported the collection to the credit bureaus. The account was paid in in full on XXXX/XXXX/2016 to XXXX XXXX and Jefferson XXXX XXXX reported it as a bad debt as of XXXX/XXXX/16. After calling XXXX XXXX they tell me that they cant discuss the account because it was sold to Jefferson XXXX XXXX but XXXX took the payment even though it was sold to Jefferson.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card
Issue: Other

Complaint:
Bank of America XXXX XXXX credit card - I have not used this card in years. Annual fee was reported as bad credit to credit reporting agency. My credit score of over XXXX with nothing late is now XXXX. I found out when I went to apply for a mortgage. We were in the middle of selling XXXX home and purchasing another. I phoned Bank of America customer service and they were unwilling to help. When I saw the XXXX XXXX mail the XXXX time I did open it. It was already to late. I told XXXX the manager at Bank of America, " I have n't used this card in years why would you still send this out and charge me? '' Her respond was, " you knew what it was when you signed up. " If a person does not use a card in 3, 4, or 5, years why should a credit card company be able to bill you and then ruin your credit because of a fee? 
Can someone help me with this problem?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: SUNRISE CREDIT SERVICES, INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection recently appeared on my credit report. It is a collection agency called Sunrise Credit Services. It is for an amount that was owed to XXXX XXXX XXXX by my father, who passed away last year. It appears it was for his cell phone. Somehow The account became associated with my social security number after he passed. I have been an XXXX XXXX XXXX customer in the past, but this was not my account. I have never seen a bill, letter, etc. I had no knowledge of this collection until it appeared on my credit report when I applied for a mortgage recently. It is a problem and I have requested repeatedly that Sunrise remove this, but they will not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: AK
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:
Ive disputed XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) several times, It was removed from a previous dispute back around XX/XX/2022. I was not notified of any new documents or anything for them to add it back to my credit report per credit reporting guidelines. Yet Equifax will not remove it and follow credit reporting guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP im extremely frustrated.

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 2022-06-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I recently received a copy of my credit report from May 2022 and have found that my rights have been violated in accordance with the Fair Credit Reporting Act.

15 U.S.Code 1681 Section 602 A. states that I have the right to privacy. Furthermore, 15 U.S.Code 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX for {$88.00} XXXX. XXXX XXXX XXXX XXXXXXXX for {$100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unnamed medical account XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights.. 


15 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 consume reporting agency can not furnish a account without mt written instructions.

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 2017-01-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have made XXXX prior complaints against Chase regarding my mortgage situation. However, since my last filing of complaint it has come to my attention that Chase is moving to foreclose on me, even though I am in an active trial payment plan agreement with them. As I stated in a prior complaint, I contested the way that Chase calculated my payment plan, however, I 've been making payments on the trial payment plan anyway, and they have been accepting my payments and cashing my checks. However, this past weekend I received a solicitation mailer that suggested that there is a foreclosure scheduled on my property for XX/XX/2017 and I confirmed this online with XXXX XXXX County Public Trustee office. I also contacted the executive office of Chase, and the representative confirmed that my Trial Payment Plan is in good standing, and also confirmed the foreclosure scheduled for XX/XX/2017 which the representative acknowledged that they can not do, and he would send a message to XXXX XXXX to return my call. However, multiple messages to speak with XXXX XXXX ( Sr. Legal Specialist ) have been sent and she has never returned my call, stating that she will only speak with an Attorney and even though I am representing myself in all matters, she still wo n't speak with anyone but an attorney. Therefore, I 'm unable to speak with Chase about anything on my loan, and up to this point although the CFPB has forwarded my complaints to them, they to communicate with me, my authorized representatives, and even a member of Congress. Is this what happens when someone does n't agree with Chase, they lose their home?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX Balance : {$2000.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Collection XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$150.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION Collection : XXXX Balance : {$2000.00} Inquiries : XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
On XXXX XXXX, I received a letter in reference to my Chase Slate Credit Card stating that they are rising my Purchase APR and Balance Transfer APR from 7.49 % to 12.49 %. I have had this credit card for 18 years, never late, never over credit limit and my credit score has always been above XXXX. In the 18 years in having this credit card they have changed to card from fixed rate to variable rate. This is second change they are trying to make my card in the last 6 months. First they tried to reduce my available credit from XXXX down to XXXX. They say the changes are to reflex the rates for new credit card accounts. They have no answer to why I'am being penalize. I have 18years credit history with them. I have XXXX other credit card accounts 25 years and never I have the rates gone up. Being a person of XXXX I'am tried of banks doing what the want all the time. You sign an agreement when the deal is no more good for them they change the terms to suit themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
After reading the summary of the suit against Navient I just wanted to add my issue with releasing my parents as co-signers from my loans. As stated in the complaint the policy states that you must make a number of on time payments. I have been on autodraft for over a year ( an incentive to reduce my interest rate ) so I have met this requirement but when I called they told me I had to have made 1 year 's worth of on time PRINCIPLE payments and since I had been on the interest only repayment plan I did n't qualify. I could n't find this online anywhere but understood and accepted the explanation. I have since been trying to remember to pay a separate $ XXXX/mth to my loans in order to meet the requirement but I have missed this more than once in the last 4 months. I was planning on just calling again XX/XX/XXXX which is 1 year from when I 'd called and trying again. I do n't know if my situation is evidence of any wrongdoing but I wanted to share since it differed just a little from what the complaint summary outlined. 

Thank you for fighting for us. Graduating XX/XX/XXXX during the recession was not easy and while I 've worked hard to stay on top of everything it 's harder than ever for my generation to deal with these mountains of debt and still be expected to have lives to the standards of our parents or better. We were raised believing we could do anything or be anything and that hard work and education pays off, but the world is different and all our fundamental beliefs are wrong. My boyfriend is XXXX younger than me, did n't graduate from college and still was able to get a job and progress to buy a house at the age of XXXX. Now he 's XXXX with a home and an expensive car and no student loan debt and has made more than me since we met XX/XX/XXXX. I am XXXX with a degree and while I am able to manage my car loan and student loans I ca n't imagine being able to buy a house or even pay rent ( which is pretty cheap in XXXX compared to the country averages ) and we are n't married and neither of us has any children. I ca n't imagine being in my parent 's situation at this age, they had XXXX kids and a home and my dad has a degree but my mom does n't and how they managed just blows my mind and I 'm so grateful to them for being great examples. I am lucky that my student loan debt has at most been between $ XXXX-XXXX/mth and I am within 2 mths of paying off my Federal Sub loans but I will still be paying Navient for the next 10 years unless something magical happens. My situation is so much easier than most, but I also know how student loan debt can paralyze you and how 9 years after graduating it still is n't paying off for me. 

Thank you for all you 're doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a loan with a company by the name of XXXX XXXX. The Loan that I had is no longer on my credit report the co-signer that I had on the loan, made a claim that it is on his credit report. The account is no longer showing up on my report, and I did indeed have a loan at XXXX. I borrowed from the loan company three times. These are the following dates. 

XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX- Opened XX/XX/XXXX Closed 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 2020-12-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I opened an account with Care Credit ( Synchrony Bank ) to get credit to pay for a XXXX. I charged {$6000.00} to the card in XXXX, and was on a payment plan over 6 months to pay off ( {$1000.00} payments per month ). However, 2 instances of fraud have occurred on the card : 1 ) Someone else made 2 purchases at XXXX, {$200.00} and {$240.00}. 
2 ) Someone else made 2 payments to the account, {$3600.00} and {$1400.00}. 

I called Synchrony twice, once to report the the fraud at XXXX, and a second time to inform them I did not make the payments to the account. Both times they said they would remove the transactions, which, rather than removing, they instead just added a debit or credit to cancel the fraudulent transaction out. This did work for the XXXX purchases. But for the payments, they debited the account TWICE, so instead of canceling out the {$3600.00} and {$1400.00}, the account now had an additional {$5000.00} balance on it, which is now accruing interest month over month. So now, my account not only has an extra {$5000.00} charged to it, but I'm now getting charged interest for charges I did not make. 

I called Synchrony again to request resolution, and they told me it would get fixed. They did credit the first two interest charges, but because they did not accurately remove the additional {$5000.00} charges, it's still accruing interest ( {$82.00} and {$460.00} ). It's now been 6 months and it's still not fixed. I should only have {$1000.00} left to pay off, and yet my balance is {$5500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief