BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On  XXXX   XXXX     2017  I had a balance with    XXXX   XXXX   o n my  XXXX  store card charge account of {$560.00}. I logged into my online portal to bring up my account and paid off the balance. You are given  three  options for paying off your balance : Pay of balance, pay amount due, and other amount. If you select " Pay off balance '' or "  Other Amount ' ' then it will NOT allow you to type in a greater amount than what is currently shown on the account.     I made a payment of {$560.00}. A month later I received a bill for {$10.00}. Ok I get it, residual interest. On top of that they also charged me a {$2.00} minimum interest charge.     I have tried calling them in the past. I realize this is minor but when you call them you are greeted with a phone tree that after you tell it your account information just pulls up your statement and reads the entire thing to you fo r fifteen  minutes before it will let you speak to a cus tomer service representative. Once you talk to a CSR t hey will give you the SAME amount due. That is assuming you can understand what they are saying because of course their call center is outsourced to  XXXX . They do not know the residual interest amount either!     My problem is there is no way to avoid the residual interest charge. They wont let me overpay the amount online or over the phone.

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 2021-06-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. XXXX  is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was making regular payments until XX/XX/2020, until I was positive with XXXX. 
I lost my job due this, and also my father died due to the XXXX, I am now recovering from it. 
I can no longer make the full payments and the interests in late payments have increased a lot. I have tried to get them to help me but they do not, my credit has gone to the floor due to the reports from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Experian Information Solutions Inc.
State: TX
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:
My complaint is about the wrong accounts found on my credit report. These fraudulent and illegal accounts do not belong on my credit report. I have contacted the Bureau directly and tried to solve this matter with them but theyre continuous neglect can no longer be tolerated. This is a serious error, and it needs to be investigated and deleted. I will attach a photocopy of my Drivers License and Social for identification purposes only! The accounts that I need removed are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX I appreciate you removing these ILLEGAL accounts. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: JPMORGAN CHASE & CO.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This case was closed negligently by Chase. I AM BEING CHARGED FOR SOMETHING THAT I DID NOT AUTHORIZE THROUGH A THIRD PARTY! I have a receipt from the merchant who was authorized to charge my card. JP Morgan Chase is allowing a third party to draw my account into the negative and when I filed a complaint with CFPB, I received a letter of threat to close the account. On XX/XX/2021, my Chase checking account was charged {$290.00} by a third party, XXXX, for XXXX XXXX XXXXXXXX XXXX. I paid {$190.00} ; receipt provided. My account has now been in the negative since XXXX, my money has been illegally ( per the FTC rules for disputes ) to a third party! Chase advised me that the case is closed, and they will not reopen it. I would like to see the " proof '' that Chase is referring to. I spoke with XXXX XX/XX/2021, in the Chase executive office who did the routine callback and never returned a call. If XXXX had the " authority '' to use my debit card, then why did XXXXXXXX XXXX swipe it for another amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX  took over my mortgage loan  XXXX / XXXX /  XXXX   and increased my payment without any explanation. My taxes has not increased nor has my mortgage insurance I contacted loan care on    XXXX   XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX  an d  XXXX  I spoke to several people from customer service representatives (  XXXX  #  XXXX , supervisor  XXXX  #  XXXX ,  XXXX  #  XXXX ,  XXXX  #  XXXX ,  XXXX  #  XXXX  and  XXXX   XXXX   XXXX   XXXX  and no one could tel l me why our mortgage increased from {$1900.00} to {$2000.00}. They stated our pervious loan server (   XXXX   XXXX   ) sent them.  which we never received anything for chase stating a mortgage increase. We submit  XXXX  our monthly documents on our payments since our home loan was first open. Each company when they take over your mortgage is supposed to do their our escrow analysis. I called as soon as I got a new letter from them stating a different amount then their initial welcome letter and from what I had been paying. I was told by  XXXX  that she 's not sure why the amount changed but she will order an escrow analysis from their company (  XXXX  ) and this was on  XXXX / XXXX /  XXXX  . I called  XXXX / XXXX /  XXXX   and spoke with  XXXX  #  XXXX  and was told that she did n't see anything in the system about an escrow analysis or anything about anyone checking to see why my mortgage was increased and she stated that she would order an escrow analysis. This is very stressful. I called serval time and even got hung up on by  XXXX  #  XXXX  and supervisor  XXXX  #  XXXX  and just today  XXXX / XXXX /  XXXX   I tried to call 3 times and just keep getting voicemail. I know that there should be  3 options before they add any amount to my mortgage account. Which are pay the amoun t in full, make partial payment or spread out over 12 months. None of these options was offered.

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 2021-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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: Was not notified of investigation status or results

Complaint:
I received a letter from my original mortgage lender Bank of America ( BoA ) dated XX/XX/2021 which indicated that they were transferring my loan to Nation Star d/b/a XXXX XXXX. This letter stated that the change in servicer would not affect my credit score but it indeed has. This change has caused a XXXX plus points drop in my credit score across all three credit reporting bureaus. On XX/XX/2021, I contacted BoA and XXXX XXXX to file a dispute and the reps told me that the change in servicer should not affect my credit score. XXXX XXXX rep stated that I would receive a result of their investigation within 7 days - I have not received anything from them other than my issue requires further investigation. I also filed disputes with each credit reporting bureau. XXXX and XXXX notified me that the results of my disputes were complete but when I log in to see the results there is nothing there, to show that anything was done. I am desperately seeking help to resolve this matter and I have never paid my mortgage late and now this change has caused such a drastic decrease in my credit score. Please help!

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 2017-04-24
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: Report provided to employer without your written authorization

Complaint:
XXXX   I am NOT   XXXX   customer.     I am not   XXXX   customer and I do n't remember I ever registered with  XXXX , IF I did I do n't think I will share with   XXXX   with my personal information like " STUDENT LOAN THINGS with  XXXX        XXXX   provided my personal financial information a widely with third parties without my permission.     I contacted   XXXX   this morning  XXXX   XXXX   XXXX  to dispute all my credit history from his page. " When I Contacted  XXXX  and requested a dispute my credit report,  XXXX  asked me security question " like how much student loan do you have, and who is the loan provider?     The   XXXX   NOT my student loan lender, this not   XXXX    business, and aga in I do n't remember I did share my student loan information with   XXXX  , again I dont want to share my student loan information with   XXXX   so I refused to answer   XXXX   XXXX   security QUESTION which related to with my personal financial informations. And  XXXX  said " if you do not provide how much student loan do you have and than we will NOT dispute your credit report. '' TRANSUNION  I a m NOT TransUnion customer.     The company did provide my credit information to the third parties without my authorized signature/ without asking me. I request TRANSUNIION to dispute my credit history from the TRANSUNION website.      XXXX    I am  XXXX  customer.
I am request  XXXX  to dismiss my OLD credit history from his webpage. Especially olds one NO good for my future   business.      XXXX  provided my credit history to third party without notifying me which have been impacted my business pretty deeply.     SO I request   XXXX   to contact me first before provide my credit history to THIRD parties

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 2020-04-22
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1 ) Concord Financial is showing 3 late payments. I NEVER had any account with them. 

2 ) Numerous credit agencies and their inquiries are showing up on my credit report. I never authorized these inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-04-24
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My mother purchased a car back in  XXXX  for a   XXXX   XXXX  . Her interest rate is 9.94 % for 75 months with payments at  XXXX . She made her payments and in  XXXX  she made a lump sum payment of {$18000.00} dollars and you would think that would have lowered her monthly payments, but no,  XXXX  says that they have to be told to apply the payment so that they could lower the payment. We tried to get them to lower the payment and they say she has to pay {$2000.00} in order for them to do that. The term of her loan is ending and she still owes {$8000.00}. Talking with their customer service department, they have been charging her a daily charge of  XXXX  that is not stated in her contract. I have copies of the contract and her payment history that is attached. Customer Service Reps/Managers have not returned my calls/messages.

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 2017-04-24
Company: CITIBANK, N.A.
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:
My ex fianc had a Macy 's credit card he opened in  XXXX  before I met him . Macy 's has   an  XXXX  an d Macy 's sto re account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called  Macy 's and they s tated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  Macy 's and al l  XXXX  credit bureaus to have this removed since  XXXX .  Macy 's refu ses to remove it, even with a police report submitted to them . Macy 's also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that Macy 's does not investigate this issue, instead they send a generic response back indicating  the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!

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 2017-04-24
Company: Prince Parker & Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On   XXXX   XXXX   XXXX     at approximately  XXXX   XXXX  time I received a voice mail from (  XXXX  )  XXXX  the caller identified himself as   XXXX    with  ext  XXXX . I called the number  (   Prince parker and associate 's in g. ) I was transfer to the collector  XXXX  the collector informed me that I had a bill from  XXXX   XXXX   XXXX  in the amount of  XXXX  USD he ask me how did I want to pay the bill. I told him that i needed to log in to my account with  XXXX   XXXX   XXXX  because i tough i paid my bill I 'm currently an  XXXX   XXXX   XXXX  customer and did not remember getting that bill, I check my account and yes I did have a balance in the amount for a recent closed account. The collector was persistent that pay the bill over the phone he advised me that my account was turned over to them on   XXXX   XXXX   XXXX    , I informed him that I did not feel comfortable paying over the phone since i did n't receive a statement from them, He insisted that he had all my information and confirmed my new mailing address and told me he had my Social security number and recited the last four of my social security number  I  asked him how come they never sent me a collection letter with my debt information and he claimed they sent multiple letters to collect. I then asked him how it was possible since they received my account 3 days ago, i told him i did not have a problem paying as long as I get a statement, I informed him that by law they had to give me a written notice a statement but he refuse and told me he was not going to argue with me and that he could not help me and he cut the conversation. I have no problem with paying my bill in was an oversight on my part, my responsibility is to pay that bill but i feel that your company is violating my rights under The Fair Debt Collection Practices Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have a Credit Union that is our Mortg. Co. so we thought. They have a service company Called Dovenmuehle in XXXX IL. that we have called. Since XXXX we have been trying to work with these two company on XXXXabout we received foreclose notice that our home will be foreclosed on XXXX, We were 1 month late XX/XX/2020 after speaking to many people at the XXXX XXXX XXXX and Dovenmuehle without any luck and not getting help with our mortg. has a forebearance would not work for us because my Husband is out of work for the year. He is a XXXX and all schools are closed up. We called got people like XXXX XXXX, XXXX XXXX XXXX never returning our calls, finally we spoke to a so called VP but he list 's himself has a c.s. rep. and he said you have forebearance in we never signed anything with the companies listed above. After much thinking how this service motg. company works and seeing the hundreds of complains about them and having the order to foreclose XXXX we choose NOT to go with the forebearance. We took all of our savings and then some and paid our XX/XX/2020 payment of XXXX we had to mail it in cause the XXXX web site would not take the payment. They finally received it today ( XXXX ) We only have to make XXXX and my son is helping us with that. Because of the lack of work, Covid-19 Crisis and having to pay our XXXX property taxes XXXX we are in a horrible money crunch. If this company would have attached the 3 months on the back of the loan we would be able to get food for our family. Has it stands this companies have given us Money Hardship in these Crisis times when everyone can not leave their homes, no work no money and stuff goods are expensive. We want this company to honor our payment without late fees and send us a letter stating our credit is ok. Also we want them to send that the foreclosed notice was in error that is what XXXX XXXX informed us on the phone I can not and will not trust these companies anymore and it is sad they would not work with us. We live in XXXX Ca. our XXXX. XXXX stated no foreclose action yet we got one. I want this taken care of asap, and a letter stating we are current with the payment since that call we made and we made several we have not heard from either the XXXX Co XXXX XXXX or Dovenmuehle Company. Discussed with all of these issues. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX account for {$360.00} is being flagged on my XXXX and Equifax credit reports since XXXX. The collection company is XXXX XXXX XXXX ( XXXX ). Since that time I have disputed the charges with XXXX and the credit bureas. The entries still remain to this day. 
In XXXX I renewed my efforts to remove this invalid account. Below I have documented my correspondences with these companies as of XXXX, XXXX. 

XX/XX/XXXX Mailed Dispute Affidavits to XXXX and Equifax asking for investigation and removal. 

XX/XX/XXXX Reply from Equifax indicating their investigation found that the account was mine and valid. No proof or evidence given. 

XX/XX/XXXX Received notice from XXXX that the account was mine and valid. No proof or valid documentation included. 

XX/XX/XXXX Received reply from XXXX indicating their investigation proved the item was mine and valid. No documentation provided. 

XX/XX/XXXX XXXX XXXX XXXX to both Equifax and XXXX regarding their investigation results. 

XX/XX/XXXX Mailed Dispute Affidavit to XXXX XXXX XXXX. 

XX/XX/XXXX Reply from XXXX that did not provide the information I required or that has any valid information regarding my responsibility for the item in question. 

Please note that XXXX did remove this account after their investigation. How can Equifax and XXXX be doing an investigation and saying it is valid without information even I can not get from the collection agency? From what I understand the are not obeying the Law as per the FCRA.

Company response to consumer: Closed with explanation