BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-03
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
After suffering job loss and illness during COVID-19 and being late on an account, I was offered by the creditor directly on XX/XX/XXXX to " get up to date '' for the amount of {$100.00}. For this payment, I was promised to be moved back to " paid as agreed '' and the creditor would update my credit report so I would receive no more late marks. Additionally, I would receive no more late fees applied to the account and be given an amount to fully pay off the account once the payment processed. When this offer was made, it was made by the creditor directly, not a third-party. 

I asked if I could just pay the account in full but was told that it was better to pay the minimal amount, have the late fees adjusted and then be supplied an updated pay-off amount either via mail or phone-call, most likely phone call within a week of the payment processing. I processed the payment immediately on XX/XX/XXXX via phone during that conversation. 

Through XXXX and into XXXX, I was not contacted, I continued to accrue late fees and was not marked " paying as agreed '' on my credit report. 

On XX/XX/XXXX I finally made contact with a customer service representative who said that the notes on my account were a mess and the situation was entirely mishandled but promised to make it right. I submitted a payment to him that day of {$350.00} to get everything up to date. However, late notices continued to be reported to the credit bureaus and the previous ones were never corrected. 

I think this situation was mostly about an agent getting a quick payment to make her draw by offering empty promises. 

The card is now paid off and closed and I have requested a full review of the account and corrections to my credit report several times, for which I have received no response in return except for a generic denial with no consideration of context. 

Upon my last request, the creditor did finally update my credit report simply with the notation : " customer disputed, disagrees ''. 

I'm attaching all correspondence to this complaint.

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 2022-07-29
Company: Genesis FS Card Services, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have XXXX credit cards from Genesis Financial Solutions ( XXXX XXXX XXXX credit cards ) that are charging me a 34 % Annual Fee ( both charge me {$99.00} per year annual fee on a {$300.00} limit ). According to your website ( XXXX ) the limit is 25 %. I've called the company a couple of times and they refuse to move on this. They also sent me mail with the gist of it being 'you signed the terms of service, so that's final '. I've argued that what they are doing is illegal, but no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: DISCOVER BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The lender obtained an invalid and unreliable " drive-by '' appraisal. I submitted my dispute in line with the request for appraisal reevaluation with information that was ignored and not included in the appraisal information, including but not limited to exterior improvements including windows and photovoltaic systems. The `` drive by '' inspection involved old photos taken from prior MLS online photos and no actual drive by inspection was completed. The Appraisal was disputed with accurate information of similar property types including recent sales of actual comparable properties within 60 days. Discover advised on a daily basis for more than 3 weeks that their service and processing centers were so bombarded with applications that processing and underwriting have been severely delayed. when the final appraisal dispute finally came back, I was advised that Discover 's own managers who specifically handle appraisal disputes had made the decision internally to reject relevant data. Additionally, in good faith, a separate and independent full appraisal was completed and they advised that that was not taken into consideration, even though the dispute was presented in compliance with the requirements of the Dodd Frank Act and Appraiser Independence Requirements. Discover, by means of its employees and training practices has proven itself not to be in compliance with the Dodd Frank Act and as a result, my application has caused my credit score to be affected as I agreed in good faith for them too pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was approached by a male while using the ATM at Chase Bank in XXXX. 

He scammed me into depositing a check for {$900.00} in my account with a fake check. 
I then took out {$500.00}, believing that money was his. 

I deposited a check into my account for a stranger. Thinking I was helping them make a deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
OCC # XXXX PUBLISHED XX/XX/2016 For the first time from complaints XXXX chase my servicer refer to the XXXX XXXX deal as a mortgage trust, XXXX XXXX XXXX. 

IN XXXX WHEN XXXX XXXX XXXX MORTGAGE WERE INVOLVED BY XXXX XXXX OF XXXX XXXX. 

DID YOU CONDUCT SOME SORT OF LOAN TRUST AT XXXX XXXX XXXX XXXX, MICHIGAN XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Cannon Finance, Inc.
State: AR
Product: Credit reporting 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 the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is not mine. I never owned this account. I'm not responsible for this account. This is wrong and offensive to me! This account belongs to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I bought my home and borrow {$400000.00} from XXXX XXXX XXXX, loan number XXXX. Closing date XX/XX/2022 After I sold my old house, I paid {$350000.00} in XXXX and also paid XX/XX/XXXX due monthly payment of {$3700.00}. That went to principal {$2900.00}, escrow {$640.00} and only {$180.00} to interest due to XXXX payment made in XXXX. 
XXXX XXXX XXXX then sold my loan to PennyMac and they did not send any payments I made to them to PennyMac. I tried calling both sides several times and no one wanted to do anything. Because of it, my XXXX payment to PennyMac had to bear the full interest of {$400000.00}. I called again and they add XXXX payment dated XX/XX/XXXX, so I still have to pay the interest of {$1500.00}, instead of {$180.00} I am stuck between 2 companies and it took me too much times, but as of now, I still lost more than {$2700.00} as a result of this transition. Attached are my XXXX monthly statement from XXXX told me I had {$47000.00} principal balance, while XXXX monthly statement from PennyMac told me I owe {$46000.00} AFTER I already made XXXX payment. 
My calculation I should owe PennyMac XXXX now, not {$46000.00} And my lost is {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was being charged maintenance fees when I was getting direct deposit when I went into the bank I requested those fees to be refunded I was told that I can only get one payment back when they charge me at least four months of monthly maintenance charges.

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 2023-08-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-29
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had placed a deposit on a XXXXXXXX hotel in the fall of XXXX The date of the reservation was XX/XX/XXXX. We canceled the flight on XX/XX/XXXX because of XXXX XXXX That {$550.00} deposit was not refundable because of the late cancellation. I had no trip insurance other than trip cancellation benefit that my chase credit card offered. I filed for refund of the {$550.00}. The name Insurance company is XXXX. I have submitted their data many times over the last four months. They keep asking for data Ive already submitted. It appears to me that XXXX  has no intention of paying this claim. My complaint is against XXXX  and against Chase for hiring such a bogus company. I think Chase is advertising a trip cancellation benefit Knowing that their client will never be reimbursed for a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had a XXXX XXXX Business account that I recently closed down. The entire account is closed and has been for several months. But every month XXXX still charges my account {$6.00} and every month I dispute it but then the next month Chase Bank lets XXXX take another {$6.00} for absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Because I have a consolidated spousal school loan with my ex-spouse, we are not able to refinance to a direct loan and therefore can not take advantage of the PSLF.

We have attempted to convert to a Direct Loan and were denied because Joint Consolidated Spousal loans do not qualify.

This causes additional hardship in that despite the President and Secretary of Education announcements for my FFEL this loan does not qualify for the waiver or for PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: GA
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 the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
GM Financial showing this on my credit report as a charge off - this is fraud I paid my dues and fees durring COVID also tried to purchase the vehicle - you rae promoting fraud they got my payments + I made a XXXX  downpayment to purchase the vehicle as stated During XXXX  they sold the car as profit and they report this or charge it off? NO they already made XXXX on a cheap XXXX vehicle Take that off my credit immediately as this prevents me from getting a job THis is discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I suffered an Equifax data breach. My information has been used fraudulently. I have reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605b and Title 15 USC 1681 c-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency and/or company CAN NOT furnish an account without my written consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have a car with USA auto servicing company and out of nowhere they shutdown and another company call Wes lake been calling saying that I havent paid my car note since XXXXXXXX XXXX which I did and west lake trying get money but want give me any information on whats going on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I suffered an XXXX data breach. My information has been used fraudulently. I have reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605b and Title 15 USC 1681 c-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency and/or company CAN NOT furnish an account without my written consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband was awarded 100 % VA XXXX in the state of Texas in which he is exempt 100 % from taxes. The county provided a letter stating that we are now exempt from property taxes as of XX/XX/2022. Our mortgage company, Fay Servicing, has stated they were not accepting the letter from the county and would only except a tax bill showing the amount owed for this year. The county has advised that the invoicing does not occur until the end of the year and provided an estimated taxes screen shot, however, Fay servicing is still not satisfied. We are currently having to pay an extra almost {$1000.00} a month in taxes that we legally do not owe and the county has provided a letter stating the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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