BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I mailed a certified letter to Equifax on XX/XX/XXXX via XXXX, FL Post office @ XXXX XXXX, certified number XXXX, which per the USPS website was confirmed received at Equifax on XX/XX/XXXX @ XXXX XXXX. As of todays date, I have yet receive results of the investigation and it is well over 30 days. I have done my due diligence by mailing the document and the postal service has done theirs by delivering it. Equifax has violated the Fair Credit Reporting Act, in which they have failed to respond to my written request within 30 days, FCRA Section 611 Part ( A ) ( 1 ). I have attached a copy of the certified letter, certified mail receipt, along with confirmation that the letter was delivered. I called in to Equifax today and spoke with one of their representatives in XXXX named XXXX who advised she/he ( couldnt tell if it was a male of female voice ) didnt see any letters from me within the timeframe I advised of. I told XXXX that this was sent certified mail. I called back and spoke with a U.S. rep didnt get her name, who advised me that the letter I sent was illegible. I asked how a letter could be illegible if it was type written, printed and sent in via certified mail. She was at a loss for words once the question was posed. I advised that these accounts all needed to be deleted as they have failed to send a response back to my request within 30 days. She said the only thing she could do was to put the items under dispute, I told her, unsatisfactory. <P/>I also spoke with XXXX in the Consumer Affairs Department on XX/XX/XXXX, who wasnt able to offer any options other than placing the items under dispute now, which I advised was unsatisfactory as they have already violated the law. <P/>I am demanding complete deletion of the accounts listed on this letter as they have failed to respond within the 30 day timeframe they are allowed under the Fair Credit Reporting Act. I am not asking them to put these items under dispute at this moment, as they have failed to do what they were supposed to do and items have to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: JPMORGAN CHASE & CO.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I mainly used my Chase credit card for shopping and dining, but on XX/XX/XXXX and XX/XX/XXXX, I noticed two fraud transactions. One is under Professional services with an amount of {$310.00} and the other is under Education with an amount of {$110.00}. I immediately reported to Chase that they are fraudulent charges as my identity could be hacked. I also immediately changed all my passwords. Chase initially reimbursed my money and replace my card with a new number, but on XX/XX/XXXX it secretly reposted these two charges on my new card without calling me. I had to call Chase to get someone to tell me why it happened. Someone from fraud prevention team (? ) told me these two transactions are valid because it matches my information. Seriously? The identify theft of course got those information through illegal activities. Anyway I told Chase I disagree with the decision then they promised to look into the issue and contact me to get more information. Then two days later, I got a message in the Chase App ( Again no call, no formal letter ) that they insist the transactions are valid and threatened me to pay the amount otherwise I will break cardmember agreement. What a joke. I will never do my business with Chase again after this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Completed an income base repayment for loan through Navient and I was paying {$70.00} for a year and it jumped to XXXX per month. I can not pay that amount. That is about 50 % of what I make per month and I have other expenses. I have tried numerous times to lower my monthly payments but I was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX charged me a fee to set up and have what they sold to be bi-weekly payments made to my lender. They were to take out 1/2 the mortgage amount every other week on dates I specified, and pay my lender twice per month. This was part of their " Interest Minimizer ''  program. I found that 1-they only made one payment per month -- whatever was the amount due and 2-they paid by paper check, which my lender did not accept. This caused the lender to continuously report that I was behind on the mortgage. I cancelled my " membership '' with XXXX XXXX when I found this out. I have since found that there is a lawsuit against this company, and hundreds of other consumer complaints. Links to the articles are here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am still receiving letters in the mail and phone calls from this company inviting me back. Meanwhile, my credit report is a mess and I can not get a loan for a car. Mortgage company is PennyMac.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax, and historically and well-known Credit Reporting Agency, should have used better precautions to secure personal information for my credit. This incident can possibly have a life time effect on me as a consumer. Now, I am not sure who has my information are what they have or what they could release. I surely do n't want to see something released on the news that could be related to anything regarding my credit. Having a truly free credit report for one year does n't fix this problem. And I am open to negotiations as to how we can best fix this quickly.. for example, how do you plan to compensate me for such a totally irresponsible Act?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: AR
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 fair credit reporting act XXXX  account XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States that i have rights to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2018, I upgraded my XXXX XXXX retail store card ending in XXXX to their Mastercard ending in XXXX. When the upgrade occurred the balance on the old card of {$760.00} was transferred to the Mastercard. 

Unfortunately, when the old account ending in XXXX was closed an update was not sent to the three major credit bureaus in XX/XX/XXXX showing the account closed with a XXXX balance. 

The last reported date for the old account is XX/XX/2018 with the following history : Balance : {$760.00} Date of Last Payment : XX/XX/18 Amount Past Due : {$0.00} Min Monthly Payment : {$27.00} At this point in time, the current information documented at the Credit Reporting Agencies is incorrect and should be updated.

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 2022-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXX filed a lawsuit in Arkansas against me. Even though the case was in court and they were represented by an attorney, they continued to have an offshore call center attempt to collect the debt. 

After they dismissed the lawsuit, they continued to report the debt to the credit bureaus. 

Despite knowing that I dispute the charges, and without having any information about said charges, they continue to assert the debt is valid and continue to refuse to investigate dispute I placed with the three credit bureaus. 

XXXX XXXX XXXX is quite aware that the charges are not valid, that I did not authorize most of them, and that I am owed a refund on the account for amounts I overpaid Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
MY STUDENT LOANS IS WITH GREAT LAKES. IN THE YEAR XX/XX/XXXX, I MOVED FROM XXXX TO MISSOURI. I NOTIFY GREAT LAKES OF THE ADDRESS CHANGE AND I ALSO REQUEST DEFERRMENTS ( FINANCIAL HARDSHIP ). THEY SAID OVER THE PHONE, NO PROBLEM THEY WILL PUT THE ACCOUNT IN DEFERR. NOW THEY ARE SAYING THAT THEY HAVE NO KNOWLEDGE OF THE PHONE CALLS NOR THE DOCUMENTS THAT I HAD TO FAX. THEY HAVE MULTIPLE LATEPAYMENTS SHOWING 90,120,150 DAYS LATE. TOTALLING THE ENTIRE YEAR OF XX/XX/XXXX. UNDER THE FAIR CREDIT BILLING ACT, THEY MUST PROVIDE ME RIGHTS WHEN A CHANGE OF ADDRESS OCCUR. UNDER THE FCRA I HAVE THE RIGHT TO DISPUTE ANYTHING ON MY CREDIT REPORT FOR ACCURACY. SO I DISPUTED WITH THE CREDIT BUREAUS AND THEY SAID THE INFORMATION WAS ACCURATED, SO I DECIDED TO CALL THEM DIRECTLY AND THE LADY REFUSED TO FILE THE DISPUTE WHICH IS A VIOLATION OF THE FCRA. I TOLD HER IT WAS A VIOLATION, SO SHE SAID HOLD ON AND SHE CAME BACK ON THE PHONE AND SAID HAVE YOU MOVE, I SAID YES, SO SHE SAID ITS NOT OUR PROBLEM, AND TO LEARN HOW TO BE MORE RESPONSIBLE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX Bank of America reported my account to XXXX without giving me a chance to pay the fee {$49.00}. I called several times to resolve this issue and they kept transferring me to different departments. They listed my account as suspected fraud activity. I deposited checks to the account but the checks were returned because I didnt have enough money in the other account.

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 2022-06-12
Company: Grain Technology, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022, GRAIN TECHNOLOGY INC added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA GRAIN TECHNOLOGY INC has violated my rights as a consumer and I am requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: NY
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:
Despite providing specific information to the credit reporting agency as to the dispute, the credit bureau did not require the reporting company to verify that information. Rather, the allow the collection agencies to " verify '' a debt by simply looking at the account information and seeing the name on the account. When specific information is provided, the credit reporting agency has a duty to make sure that it actually " investigates '' that dispute, not just the name on the account.

In this case, I disputed the charges, not the account. However, the credit reporting agency only required XXXX XXXX XXXX to verify the name on the account. This does not meet the requirements of the Fair Credit Reporting Act

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 2017-06-27
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Closed on our home XXXX XXXX, XXXX. Purchased a 12 month home owners insurance policy. We were contacted in XXXX XXXX to purchase a new policy. My insurance agent provided Amerihome Mortgage with the new policy information. We received a letter today from home owners insurance. It stated " The insurance policy is being declined for the following reason : Non-Payment Insufficient premium received by the due date I checked with XXXX XXXX. The loan number and contact information they have for the mortgage provider are all correct. We also received a letter from Amerihome. They have provided us with a policy that cost 350 % more than the policy we found.

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 2023-06-27
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ive explained this to the company numerous times, the loan was in my fathers name he passed away from XXXX there has to be some sort of law in place for this, this I aint supposed to be on my report anyway its older then 2 years, XXXX related death period Im not paying this loan no way no how anyway so!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this 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 719XXXX has me at a score around 590. 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 n 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 ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2017-10-17
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently had major XXXX and was unable to work I requested a mortgage modification with Regions Bank XXXX2017. They did modify my mortgage and sent me the three trial payments. But the modification agreement reflected my property deed to be in another person name as well as myself. My property is only titled in my name only. I requested the mortgage company to correct the documents. Instead they have set a property foreclosure for sale date. Notice of foreclosure was mailed to XXXX XXXX XXXX XXXX XXXX, TN XXXX. 
I do n't live at that address and I never have.

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 2022-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IM COMPLAIN ON CAPITAL ONE BANK CREDIT CARD. THE DEBT COLLECTION TOLD ME ONCE I PAID WAS DEBT THEY WILL REMOVED IT FROM MY CREDIT REPORT. I RECENT LOOK AT MY CREDIT REPORT AND I SEE IT THEY ARE STILL REPORT. I NEED THIS ACCOUNT REMOVE OFF MY CREDIT REPORT. IT MESS UP MY LIFE. I TRYING TO PURCHASE ME A HOME CANT DO IT BECAUSE ALL THIS INACCURACY INFORMATION ON MY REPORT. THIS HAPPEN XXXX OF XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX threatened to file charges on my for fraudulent check writing and stated I would get 3yrs in jail if I didnt settle immediately for {$350.00}. Yet the never sent any Identifying info so debt can be verified. They only contacted by email no phone contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My dispute was never with the charges on the bill. My dispute was with the validation of the charges being sold to the company convergent and their right to collect. I have a {$0.00} balance with convergent and this account is listed as A XXXX write off account with XXXX. What I asked for was the proper documentation and bill of sale of this debt to convergent and their right to collect and also the write off documentation. I have received neither. No proof that the company legitimately sold this debt and no proof that convergent has a legal right to collect. I also do not owe convergent and have a {$0.00} balance letter from them stating that this account is in fact fully paid off which is why I wanted the removal of the account from my credit report and late payments removed. I did not ask for any payment arrangements because I am not in need of any, also I did n't ask for any changes to the account. I asked for the requested documents and it to be removed from me credit report in the certain requested documents were not provided. I believe all you sent me was the bill. I also asked for my signed contractual agreement with XXXX. I was not sent that either. I want to be sent MY ORIGINAL signed agreement tying me with XXXX along with the bill of sale for the account from XXXX to convergent. If this account was n't sold properly then it would also be illegal collection on both parties and an improper write off. 

It is within my rights under the XXXX to request the said documents from above and also an obligation to provide that documentation if requestion. Final bills do not substitute as a bill of sale when requesting validation and/or verification. 

If I do not receive these documents, nor have this removed from my credit report Proper litigation will follow for not following the corporate write off procedures in place, along with billing me for an account without the proper contractual agreement and documented. 

Thank You 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