BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-15
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
Got my report and realize there was unauthorized inqury for Comenity cap XXXX  Bank reach out to Comenity Bank and they sent me a letter saying it will be removed in 60 days but the XXXX credit bureau has not done it or either Comenity cap fron has not sent it to them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had XXXX mortgage loans with chase bank. Some time ago I experienced hardships paying those mortgages so I went about filing for a modification on those XXXX loans. I was approved for a modification through a chase program for the XXXX loans. Turns out in the interim of chase modifying my mortgage they sold off the smaller loan, so the modification was in jest only for the XXXX loan ( which it lowered the total amount, not by much but some ). I did n't find out that chase had sold off the smaller loan until the company contacted me, and this new company ( considering it 's my XXXX mortgage ) is not willing to do any modifications and I do n't qualify for the harp program. My question is if I started off modifying both loans with Chase why is it that they decided to sell off the smaller loan, I was under the assumption that the modification program was to help " regular people with hardships ''. I believe that Chase had no intention of modifying the XXXX loan from the very beginning. Now I am dealing with the same payment on the XXXX loan as I had from the very beginning ( I took out the loans in XXXX ) If Chase is not going to be held responsible for dealing with my XXXX mortgage what options do I have with dealing with this other company?? The XXXX mortgage company name is XXXX XXXX XXXX and is definitely not user friendly!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Within 4 weeks, I have been contacted by the fraud departments for XXXX different credit cards. Chase Amazon Rewards, XXXX, and Chase Freedom have all said someone applied for credit cards in my name. I was contact by phone for the first XXXX and received notices in the mail for all XXXX. I said I had n't applied for any credit cards other than Symphony which is affiliated with a bed I purchased from XXXX XXXX on XXXX XXXX. This one is legit. The others are not. Chase Amazon and XXXX sent me the credit cards, and I cancelled them immediately. 2 days later, a bank statement from XXXX XXXX XXXX arrived in the mail. I have a valid XXXX XXXX card with them, but I did not open checking and savings accounts. The statement showed no activity on them. I closed these immediately too. 
All XXXX banks verified the applicant had my correct name, address and birthdate, but they gave different social security numbers and phone numbers. I went to XXXX and obtained a XXXX report on myself and enrolled in their credit alert program. My report shows recent inquiries from these banks. My name and address is correct on all. XXXX has an old XXXX area code phone number from 10 years ago, but it was mine. XXXX has a XXXX area code phone number which I have never had. I called XXXX and someone answered. Reverse white pages shows this to be a XXXX XXXX number in XXXX, California. I do n't know who it is, but it would be worth someone investigating. 
I 've never had an identity attack like this before. What do I do next?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In 2018 I was stationed at XXXX XXXX TX in a XXXX XXXX. This meant I was in the desert for long period of time with out communications because of the equipment being tested. Anyway my ex wife at the time stop paying my bills without my knowledge. As soon as I found out I started paying all my bills with all the late fees. By the time I paid XXXX they had charged off my vehicle. I called them several times to rectify the issue and they said my account was current ant the would report it to the credit agencies monthly. Now I being paying an extra XXXX dollars a month so I can pay off my car sooner, but due to XXXX refusing to change my report and report accurately to the credit agency Im getting a negative rating from the credit agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In 2018 I was stationed at XXXX XXXX TX in a XXXX XXXX. This meant I was in the desert for long period of time with out communications because of the equipment being tested. Anyway my ex wife at the time stop paying my bills without my knowledge. As soon as I found out I started paying all my bills with all the late fees. By the time I paid XXXX they had charged off my vehicle. I called them several times to rectify the issue and they said my account was current ant the would report it to the credit agencies monthly. Now I being paying an extra XXXX dollars a month so I can pay off my car sooner, but due to XXXX refusing to change my report and report accurately to the credit agency Im getting a negative rating from the credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
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: Their investigation did not fix an error on your report

Complaint:
I spoke with XXXX concerning a credit dispute. They did a wonderful job of filing my dispute ( s ) and gettting them removed from my account. However i checked my credit file and as of XX/XX/XXXX, by credit score took a nose dive from XXXX to under 530. My score dropped by 121 points. I couldnt understand why my credit score would drop by 121 points after negative items were deleted. 
Again, positive items were NOT removed but negative items, which means my score should have went up substantially. When I talked to the Customer Service Rep at XXXX they told me that my score possibly dropped because of the " activity on my account '', in particular, I was told that when XXXX went in to remove the unlawful inquiries and did the " dark web '' monitoring, that all this monitoring may have resulted in my score dropping my 121 points??? 

The rep then asked me if I wanted to continue credit monitoring and I cancelled. I told them I dont understand how my account being monitored for suspcious activity would result in my credit score dropping? 

Could you please investigate why my score dropped my more than 121 points with NO positive accounts being deleted and only negative accounts. 

Again, I can I see if positive accounts were deleted however they were not, it was ONLY negative accounts, which means my score should have went up and not down.. 

Lastly, I was told my the rep that there computers/alogirithm is responsible for info and he doesnt understand why my score dropped as well. 

Because of this drop in score, my recent XXXX Loan Application  may be in jeopardy, along with other XXXX  interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE BEEN CONTACTED ONCE AGAIN BY : CENTRAL PORTFOLIO CONTROL XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX, MN XXXX WITH A LETTER DATED XX/XX/19. I HAVE FILLED A FORMAL COMPLAINT AGAINST THEM IN WHICH THEY HAD AGGREED TO A CEASE AND DECIST HOWEVER STILL RECEIVED A LETTER WITH INACCURATE INFORMATION ATTEMPTING TO COLLECT ON A FALSE CLAIM. AS I HAVE STATED NUMEROUS AMOUNTS OF TIMES I DO NOT OWE ANYTHING TO XXXX XXXX XXXX XXXX IN FACT THEY OWE ME FOR HAVING ME PAY FOR MY XXXX XXXX  AND XXXX  XXXX, AND COMPLETELY ROBBING US OF OUR OVERAL SCHOOL XXXX EXPERIENCE. THE LETTER SENT STSTES AN AMOUNT XXXX OF WHICH I DO NOT OWE SINCE I WAS PAYING COMPLETELY OUT OF POCKET TO AN AGENCY WHICH RECEIVED PAYMENTS FROM THE SCHOOL I HAVE ALREADY SENT THEM A LETTER FROM THIS AGENCY XXXX IN WHICH THEY STATE NO MONEY OS OWED AND ACCOUNT HAS BEEN CLOSED. ATTACHED IS THE LETTER FROM A : CURRENT CREDITOR '' XXXX XXXX XXXX XXXX. I DO NOT OWE ANYTHING AND THE PAPERS WHICH THEY SENT SIMPLY DOES NOT STATE WHAT THEY CLAI I OWE IN THIS FALSE ILLEGAL SCAMCLAIM THEY HAVE FABRICATED. FIRST THEY SENT INFO WITH A YEAR I DID NOT GO TO SCHOOL THERE NOW THEY SEND THIS WITH IINFO PERTAINING TO PAYMENT SCHEDULE ETC. IF I HAD NOT PAID XXXX WOULD NOT STSTE ACCOUNT CLOSED NO MONEY OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
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: Their investigation did not fix an error on your report

Complaint:
Previous fico score ( averaged ) XXXXpts My mortgage was refinanced ( freedom mortgage ) in XXXX. I was advised by XXXX XXXX to not make XXXX payment, as it would be refunded anyhow. The loan properly disbursed on XX/XX/2020. 
XXXX XXXX computer system erroniously attached a 30 day late to my credit report. This caused a 149 pt drop on Equifax from XXXX to XXXX. On XXXX a 153 pt drop from XXXX to XXXX, and 82 pt drop from XXXX to XXXX on XXXX. All of those drops in scores were excessive to say the least. Fraudulent is more appropriate. I have a clean payment history going 184 months prior, had less than {$1200.00} total revolving debt. 
I filed a dispute with all 3 agencies and XXXX filed a dispute on my behalf as well. This latest report, the agencies raised my score ( eqifax 54 pts, XXXX 116 and XXXX 51 pts. ) This is unacceptable given my payment history, debt and responsible financial decisions. 
I would like a full investigation as to how one single late payment would drop my scores so far down and how a correction of that late payment to paid on time would not result in restoring my credit to where it was previously. I believe the new scores are reflective of a new debt incurred while the scores were erroniously low, and the same debt incurred at an XXXX score would not result in such a steep drop. 
I do require a confermation of this complaint by email phone or text XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Thrive National Corporation
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX I just got a letter in the mail today stating Are you going to pay this obligation? 

" We have been trying to communicate with you concerning your past-due balance. So far the communication appears to be going only one way. If you continue to ignore us we will assume that it is not your intention to pay this debt. And we will take further activity against you. 

Waiting does not benefit either of us. Contact us immediately to arrange repayment of your debt. 

Okay first of all I never even heard of XXXX XXXX XXXX XXXX first time I've heard anything of them and if they dont leave me alone I'll take " further activity '' against them. And I have called national fitness center to settle my debt and they said they'd get back to me and they never did. I will not be harassed.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-14
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card
Issue: Other

Complaint:
1. There has been a Chase Bank error in the XXXX Credit Report of this Complainant - consisting of a failure to comply with the 7-year maximum Federal Law to timely remove a defaulted ( " charge-off '' ) credit card debt error in this complainant 's personal XXXX credit report for the credit card debt filed by Chase Bank - listed as the Chase account beginning with # XXXX. More specifically, the error is in the 7-year removal date - where XXXX has not deleted this negative from this complainant 's XXXX report after the end date of the 84th month - the date of XX/XX/XXXX in this case ( in contradiction with the facts this complainant provided in his phone call to them on XX/XX/XXXX and via Faxed documents on the same date, creating XXXX Dispute file # XXXX ). The incorrect end-timing Chase provided to Equifax is " XXXX '' - three months tardy. 

2. The specific documentation of this 1st late fee date ( of XXXX/XXXX/XXXX ) is attached to this complaint. All of the documentation for correcting this complaint error is described in a multi-page letter filed with this 3rd CFPB complaint. Also provided with that letter are a number of documents, including ( a ) the recent Complainant 's XXXX credit report page that includes this error, ( b ) copies of an XXXX Invalid Dispute reply that fails to correct their error, i.e., a reply that ignores the documentation this complainant provided that irrefutably supports this complainant 's corrections, and ( c ) copies of the creditor 's contemporaneous monthly statement postings of the 1st late fees that proves this complainant 's correction this error - using the books of the company that incurred these charges - this complainant 's employer. The attached letter also explains how these credit card debts are all company debts and that none are personal ( non-business ) charges made by this complainant. 


3. This complainant 's lost income damages are also detailed in the attached letter. In summary, these damages are {$420.00} per week-day plus, as this complainant is a victim of fraud and as such, this complainant 's state law specifies treble damages ( of {$420.00} X XXXX ) or {$1.00} per week-day. The damages resulting from the 7-year end date credit report errors began on XXXX/XXXX/XXXX in the case of this 6th CFPB complaint involving the Chase Bank credit card ending in # XXXX ( major negative ) still in this complainant 's XXXX report for approximately 3 months after that date - if not timely removed after the 7-year end date. The lost income damages are due to prospective employers of this complainant not willing to hire him, or any job applicant for a financial or security position of trust if any major negatives appear in their credit reports. As of XXXX/XXXX/XXXX, the accumulated treble damages are {$43000.00} for six weeks and four days of damages, if the CFPB chooses to assess damages in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 explanation
Consumer complaint received 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 explanation
Consumer complaint received 2016-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I monitor my credit XXXX score each month when I pay my XXXX Card balance. This month the score went down XXXX points and it stated that it due to information in my Trans Union Credit report. I ordered my free annual report from Trans Union and on it there was no negative information that should impact my score. I called the Trans Union number given on the report to see if they could explain, but had no success. Although my all my accounts are marked as current and no negative information was reported, they could not assure me that the factor that is negatively impacting my credit would be corrected. I tried to file a report online to dispute this situation but could not because my problem did not fit into a dispute category.

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 2023-03-16
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
After AMEX sent several offers, I decided to have their XXXX Credit Card ; it was approved with a credit limit of {$14000.00}. After a bit of time, it was reduced to {$700.00}, and I still haven't received any notice or explanation by MAIL, as requested several times. 

In the meantime, I received an electronic letter in a replay to the complaint I opened here saying : " The average of your payments in relation to the balance on your American Express ( s ) is too low. '' I do not understand this answer and need an extra explanation sent BY MAIL. I am unsure how to spend more, so pay more if Amex puts such a low limit for a client with several accounts, two businesses, high spending, a high credit score, and stellar history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following information pertains to case # XXXX : At the beginning of XX/XX/XXXX, I received an Intercept Funds Notice letting me know that {$460.00} dollars were withheld from my state taxes refund for XXXX. The agency listed was the XXXX Superior Court. 

I contacted the XXXX Superior Court and talked to Ms. XXXX XXXX on multiple occasions. She told me that I owed money for a traffic violation which allegedly took place in XXXX XXXX. I explained to her that I've never even been in that area. I was asked to submit a copy of my driver 's license and my social security card. I sent them the requested documents, and they acknowledged I was not the person they were looking for. 

In XX/XX/XXXX, I was told by Ms. XXXX that I'd be getting a refund of the money withheld. However, that never happened. I contacted her again sometime in XX/XX/XXXX to find out the status of my refund, but she explained to me that my money was being held by a collection agency named EOS CCA. She gave me the phone number to call them, which I did. However, every time I called them, they told me I had to talk to Mr. XXXX ( I don't have his last name, sorry ). 

I called Mr. XXXX on XX/XX/XXXX, and then multiple times after that during a period of almost 4 weeks. Every time I called him, he never answered the phone. So, I left him a message every time I called him, but he never called me back. The last time I called him, I told him I would sue the collection company that he works for. I said that so that he would at least try calling me back, but that never happened. 

I've spent months trying to get back the money that was withheld from me illegally, but I've gotten nowhere. In the middle of a pandemic, such as the one we are going through right now, every penny counts. Please, help me get my money back. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My monthly payment with Sallie Mae is {$1100.00} with an interest rate of 9.625 %, down from 10.75 %. My interest rate used to be 4 %. Sallie Mae refuses to lower the monthly payment even though I clearly can not pay this much because I'm behind 2 months. Sallie Mae is requiring me to ruin my credit score before they will consider helping me. I was told I have to be at least 3 months late to be considered for a reduced interest rate. I am going to be homeless within the next few months because of Sallie Mae 's predatory loan tactics. I live in the richest country in the world yet I can't afford to eat because I am a slave to student loans. On top of that, my family members are receiving several calls per day from Sallie Mae. I want them to stop harassing my family. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: NAVY FEDERAL CREDIT UNION
State: WA
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:
navy fe deral allowed my account to be compromised TWICE!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: American First Finance, Inc.
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation