BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-16
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan the beginning of 2016. I have never one time missed a payment and I pay more than whats due every month. Loan Care is reporting me 30 days late recurring for over a year and I have never missed a payment. I have spoken with them hundreds of times and nobody there can even tell me why they are showing me late. They transfer me around to other people who do n't know what they are talking about and nobody there will actually fix the problem or help me. I have proof of all my payments and I do not miss any on any accounts. This is seriously affecting me and they will not help me. How can I be late since the start of the loan when I have made the payments monthly. They are charging me fees every month for being late but yet they ca n't tell me where I went late.
I have the proof of my payments that I have provided them monthly and not one time have they ever proved to me why they are reporting late. Yet I sit here paying late fees for a year and a half all the while getting 30 day lates every month.
They need to be regulated, how can they even do this?? I need help and I need it fixed.
I 'd like to know how these companies get away with this and apparently can do whatever they want and I have no recourse?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Unable to contact Experian representatives to correct or inquire about credit report and personal information.

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 2021-06-23
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CAINE & WEINER ( XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, XXXX XXXX, sent a letter on XX/XX/2022 regarding inaccurate on my credit report to this day over 60 days later. I have not received any feedback from you. I feel like I am being taken advantage of and being ignored regarding my disputes. Under Section 611 ( a ), it is purely stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days already and so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
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: Reporting company used your report improperly

Complaint:
I did not authorize or applied for credit with this company. So a hard inquiry is on my credit report. Disputed with Transunion with no results or removal. Also contacted XXXX XXXXXXXX XXXX, and they claimed they didn't have any knowledge and would not fix it. I am requesting removal of this company from my credit report for fraudulent activities. 

Thank You very much for your help with this matter. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, 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 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
As per the Fair Credit Reporting Act, I requested the documents on file they used to verify a bankruptcy listed on my report. I also requested the name and number of the person who verified the information as well. They ignored my request and just sent a blanket statement that they or a third party serviced was able to verify it, but did not provide any proof of such actions.

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 2017-08-16
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Navy Federal Credit Union foreclosed on my second mortgage XXXX 2014, prior to my XXXX XXXX with the XXXX even after I submitted to them a letter by the XXXX XXXXXXXX of the XXXX center explaining why I was not being paid ( a flood in the payroll building ). I was told by Navy Federal 's representative that my loan was " written off '' and I would receive a XXXX that I could not make any payments on the loan. However, yesterday I tried to apply for a pre-approval of a mortgage learning that my loan was not forgiven but rather being listed as negative debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
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:
I PURCHASED XXXX XXXX IN XX/XX/XXXX AND THE CREDIT LISTING REPORTS 1 ( 30 ) DAY LATE PAYMENT ON CREDIT REPORT IN XX/XX/XXXX. HOWEVER, XXXX LISTS LATE PAYMENT AS XX/XX/XXXX ... .I HAVE SIGNED DOCUMENTATION TO SUPPORT PURCHASE OF VEHICLE XX/XX/XXXX( ATTACHMENT ) ; I ALSO WAS ON AUTO PAYMENT FROM IMMEDIATE PURCHASE. I NEED LATE PAYMENT ( S ) REMOVED AS IT IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have filed numerous complaints with all available agencies. I have requested to have my Bank of America/Unemployment account investigated. Bank records do not match merchant records with no explanation to the account holder. When complaints are answered I am told I did not tell Bank of America in the time allowed and due to them being strictly governed by Bank of America Visa that they do not have to investigate regardless if the accounting done by the bank for fraudulent charges or the merchant can be reconciled. After three years I have learned one of the many persons that have been able to bill to my Bank of America Visa card. I will attach the information below but I would like to be protected like I should of been in 2013 when Bank of America flagged the account for fraud two days after this began and released it with no notification to the account holder. If the account would of been locked as normal businesses and financial institutions state they do, I would of been alerted. Why was this allowed and why was I not notified or have I ever been sent actual bank statements.
Attached 1 accounts listed as administrators on my XXXX device!
2 Screen shot of the person that has fb account XXXX ( address bar ) 3 screen shot showing that it is his account number which makes it linked to my bank because he is in possession of a prior phone number. I do not know this person whatsoever!

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 2017-09-08
Company: EQUIFAX, INC.
State: VT
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:
As many millions of others learned today XXXX XXXX/XXXX/XXXX XXXX, my personal credit information and all of the sensitive things that go with it were hacked. This exposes me to the potential for identity theft, as that information is now essentially public to those who would wish to use it maliciously. While I understand Equifax was not directly responsible for the release of this information, they failed to protect it adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSWORLD SYSTEMS INC
State: DE
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've been disputing an account with XXXX XXXXXXXX XXXX, TRANSWORLD SYSTEMS INC Account # : XXXX, which is a paid medical account that has been disputed. There is a law that prohibits such reporting called XXXX, and I believe the CFPB is the proper arbiter of such cases. XXXX has repeatedly violated my consumer rights granted under XXXX, and you should make them pay for their infraction!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am attaching a letter from XXXX XXXX XXXX ( XXXX ). The same information was sent to Transunion, XXXX and XXXX in XX/XX/XXXX and XX/XX/XXXX by XXXX advising each to delete an open record they were reporting against me for XXXX. I also wrote each bureau in XXXX XXXX XXXX, XX/XX/XXXX and again on XX/XX/XXXX requesting that they follow through with XXXX 's request and delete the record. None either replied or deleted the record. This libel is affecting my credit score and contributed to a higher rate of interest on a loan I recently received. I am applying for another loan so this record is affecting it too. It is my opinion that the credit bureau 's are scams set up to discredit select classes of individuals. Further, these bureaus assert that it can take months to correct their records. This is unjustified, and I do not have months to finalize my current loan application. In this age of technology all such delay is utter nonsense and unacceptable especially given that loan considerations are impacted 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 2017-08-16
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I had 3 Refunds post to my Chase Credit Card, these credits posted on XX/XX/XXXX. Each refund was priced in Euros and then converted to USD. The exchange rate I received was XXXX XXXX 's website states the Foreign Currency Transaction rate for purchases on XXXX with a 1 % bank transaction fee is XXXX, on XXXX that rate was XXXX ( see bottom of page ). With no foreign transaction fee, the rate on XXXX is XXXX. The rate I was given by Chase Bank, who has stated they have nothing to do with Foreign Currency Rates, is approximately 93 % of the XXXX Transactional rate, that means either Visa or Chase is charging a 7 % foreign currency transaction fee on refunds to credit cards. No where does Chase or XXXX list that they charge a 6-8 %  foreign transaction fee on refunds. XX/XX/XXXX XXXX This transaction posted on XX/XX/XXXX Additional merchant and transaction information Rate XXXX Return {$8.00} Currencies fluctuate every day. The rate shown is effective for transactions submitted to XXXX on XX/XX/XXXX, with a bank foreign transaction fee of 1.0 %. XXXX Euro = XXXX United States Dollar The " currency calculator '' below gives you an indication of the cost of purchases you make when traveling internationally. Euro to United States Dollar XX/XX/XXXX XXXX EUR = XXXX USD 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 2022-07-09
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
An old debt that has been delinquent for the last XXXX years illegally and illegitimately reappear on my credit report as a current, deferred and being paid as agreed. I have not communicated or made agreement to make this account current or pay it. It may have been acquired by a debt buyer or collection agency that then reports the debt even though it's more than seven years old. This is past the statute of limitations, meaning its too old to remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was approved for Aspire Credit card with a XXXX credit limit. They have already charged me XXXX activation fee and yearly fee. I was able to use it twice. Since then have called them 3x bc purchases are being denied. They say a hold was put on card. But there is no reason for a hold.They have not cleared hold. I informed them there has been no fraud. It seems they are a con to prey on low credit score XXXX people like me. They are supposedly through the XXXX XXXX XXXX Called them on XX/XX/XXXX, XX/XX/XXXX 2x, and XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Back in XXXX of XXXX the bank had a program that decreases your interest rate so you can pay down your balance on your credit card so I signed on not knowing later the bank will close your card without you knowing so when I found out XXXX XXXX of XXXX that they had closed the credit card In XXXX of XXXX due to a bank evaluation of account in which I dont know they did that after having the credit card for 3yrs and 11 months without a explanation. I was paying the amount that was so plus a little extra and now the credit card is close they still charging me late fees and interest on a close account and taken from my checking account in which I had ask them not too. How can they charge late fees and interest on a closed account that not a fair deal for a Consumer I need help do to that this banking institution is taking advantage of me. Its still showing on my online bank it a open account which is a not correct

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan provider is currently Navient. I have been paying my student loans for approximately 5-6 years now and have never missed a payment with them nor any other creditors. In addition to that, my interest rate w/ Navient is 5.75 % on both my subsidized and unsubsidized student loans ( fixed rate ). With that being said, I noticed when going through my payment history that they are applying my payments very inconsistently when it comes to interest and principal. For example, my due date is the XXXX of each month, on XX/XX/XXXX I made a payment before my due date in the amount of {$380.00}. {$170.00} was applied to principal while {$210.00} was applied to interest. On XX/XX/XXXX I made another payment of {$380.00} ( before my due date ) and {$130.00} was applied to principal while {$240.00} went to interest. That's a {$32.00} difference applied to principal. How is there such a substantial difference from month to month when my rate is fixed? It's bad enough that I began making payments towards my student loan in XX/XX/XXXX and none of my payments went towards principal until XX/XX/XXXX. I have attached my full payment history below which has been exported directly from the Navient website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My lender ( Chase bank ) does not refund money, which is deducted wrongfully from escrow account. 

I paid my property tax by myself, {$7500.00}, on XX/XX/2011. 
( refer to XXXX ) Then, my lender ( Chase bank ) also deducted {$7500.00} on XX/XX/2011 for the same property tax payment from my escrow account. 
( refer to XXXX XXXX ( ... XXXX ) - chase.com_activity.pdf ) So, I asked the county about the duplicate payment but the county replied that it never received the payment from the lender. 
( refer to XXXX - XXXX the tax was paid twice ( parcel XXXX ) I have contacted the lender multiple times for the incident and requested refund for the missing check/payment because the county did not received it. However, the lender kept opening cases whenever I called and made me wait weeks after weeks. I escalated the issue and requested a talk with a supervisor but he/she did not call back. The money has not been refunded yet after XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Corona put us both out of work we lost income due to corona have since started working again for less money. Forebearance has saved us but now were really far behind predatory lender kept telling us not to make payments theyll re modify the loan and add the difference to the end of the loan now they saying otherwise.Theyre adding late payments to my credit profile and adding late fees to the loan which has now gown up {$29000.00} in balance since the forebeance and coroan has started please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion I have called Transunion numerous times about unauthorized inquiries on my report due to identity theft. Every time I call they tell me they are unable to assist however will not tell me why. Then proceed to send me to the department that can help me but I only get an option to leave a voicemail and never receive a call back. 

Because of this I am unable to efficiently dispute over the phone and my Mail disputes have gone unnoticed taking away my rights.

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