BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX of XXXX, I refinanced my home mortgage with Chase ; I had a 30 years fixed and changed to a 15 years fixed. 
It got approved and I scheduled automatic payments twice a month, on the XXXX and XXXX of each month. I discussed this with the mortgage specialists XXXX XXXX and XXXX XXXX. 
After a couple of months of payments, I noticed in the mortgage statement that I owed more than what I should. Please note that the statements do not disclose what the different items are about. It's only received by email, and with a final amount to pay. 
I asked them what was that number about since it was way more than what I should be paying and received an explanation in writing that didn't properly explained the problem. ( see email XXXX ) After 2 years, and always paying under automatic payments, I looked for another mortgage broker looking to purchase a new house, and she makes me notice of a debt that I've been accumulating with Chase. 
I called the bank to understand what was it about, and no one could properly explain me the reasons, it escalated until a supervisor noticed that I've been charged with late payments since the first month, since my second scheduled payment was on the XXXX and not the XXXX, which was the deadline to avoid interest charges for late fees. 
I complained about this, since I've never received a notice of late payments, neither a clear disclosure in the statements. It's outrageous. 
The supervisor initially agreed with me and removed the late fees for only 2 months and told me that will escalate this issue for further authorization. It was denied and now, after 2 years, I owe the bank {$3700.00} in late fee charges. 
It's not acceptable under any concept. I'm being charged with a 5 % late fee each month since the beginning of the loan for the whole monthly payment. 
I hope you can help me with this. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several accounts on my credit file that are not mine and are a result of identity theft these accounts are ... XXXX bank XXXX and other accts when reviewing my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and addresses that I have been used fraudulently that need to be removed here are the addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and name aliases that need to be removed here are the aliases XXXX XXXX XXXX, And XXXX XXXX XXXX these accounts addresses and names need to be permanently removed I have sent in copies of a police report # XXXX XXXX XXXX XXXX badge number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EdFinancial Services
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX XX/XX/2022, I called Edfinancial customer service to request a refund for the amount I paid since the payment pause began. I was told there would be a 150-business-day waiting period for my refund to be processed. This is unacceptable, especially when other loan servicers are not subjecting their clients to such delays. 

On XXXX XX/XX/2022, I called again to check on the status of my refund. I was now told that no timeline could be provided for my refund. This is also unacceptable. I asked to be sent a confirmation email to verify that my request was submitted and was told that it would take at least 12 business days to receive an email. Edfinancial is not providing timely customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX accounts that show up on my Equifax credit report. The account numbers are XXXX and XXXX. These accounts are not mine and need to be removed immediately. The 7 year FCRA statute of limitations ahs apssed for these XXXX accounts and they need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: NY
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. XXXX XXXX Date Opened : XX/XX/2018 Balance : {$160000.00}

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 2016-04-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I still do no understand how EQ keeps coming to the conclusion that these public records need to stay on my credit report for 7 years when XXXX and XXXX have deleted both of them! What laws and rules do they use that bring them to this conclusion? Their dispute results say that they " verified '' this information with the courts, but when I emailed the court in regards to CRA reporting, they do NOT handle any of this at the court level. So who are they " verifying '' this information with? You claimed that you verified this and told me to contact the furnisher. You claim that the court furnished and verified the information. I did as instructed and they informed me that they neither furnished the information nor verified the information. They are the only ones qualified to make a verification regarding this alleged public records and they did not verify. You are allowing slander on my credit report. Verification according to XXXX Law Dictionary is ... averment that the party pleading is ready to establish the truth of what he has set forth ... .the examination of a writing for purpose of ascertaining the truth ; or a certificate or affidavit that it is true. So this means verifying information is sworn testimony and must be first hand knowledge. A clerk of courts , county recorder or XXXX XXXX does n't have firsthand knowledge. If someone verifies but does n't have firsthand knowledge then its not verification, its hearsay and hearsay is inadmissible and the court says is incompetent. Reference FRCA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) The court and all entities such as the recorders office have not been given authorization by me, nor was there a court order to verify to furnish any information my credit report. What you are doing seems very illegal and shady. You should be trying to help a consumer who is working so hard to repair their credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX   XXXX   XXXX   XXXX   tr  ansferred the loan to  XXXX   XXXX  when it was in consolidation and in forbearance.  XXXX  then worked with me putting them in Forbearance until they transferred the loans to  XXXX  where the loans are in good standing and in deferred status while I am pursuing a  XXXX   XXXX   XXXX  . All   XXXX   bureaus as showing the original s  XXXX    XXXX   XXXX   XXXX   ac  c ount as Closed.  XXXX  is reporting the same accounts as Closed with different account numbers and with delinquent payments.  XXXX  shows yet again different numbers but they are in good standing.  XXXX ,  XXXX , and Experian are all doing the same. I have requested that these be investigated for years and the response is always the same. That the information is correct upon their investigation.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: AL
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 the consumer am not a third party but acting on behalf of myself submitted a request regarding some fraudulent inquiries that I do not recognize nor did I authorized. My personal information was exposed in a data breach and may have gotten into the hands of the wrong person. I have yet to receive any response to my dispute from any of these credit agencies and its been more than 45days. From what I read on the FTC website when I submitted my request for these fraudulent items it stated 4 business days so how does that turn to 45days?

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 2020-03-29
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discover financial services has infringed upon my right to privacy as a consumer, and they have violated the following laws under USC 1692 : 1. USC 1692b. ( 2 ) 2. 1692b. ( 5 ) 3. 1692c. ( 3 ) 4.1692d. ( 2 ) 5. 1692c. ( 1 ) Now before you allege that you're not a debt collector please be advised that you are. Pursuant to USC 1692a : ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Roost Lending, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I worked with a member of his team twice ( XXXX XXXX ) who reached out to me after failing the first try. XXXX was explained that if he wasnt definite about closing on a home that my wife and I were n't interested in moving forward and going through the hassle.After XXXX mentioned that the first time was a mistake and corrections were made, we agreed to give him a chance to correct the problem.After time wasted, money wasted on appraisel and 2 inspections and etc. We find it to be quite obvious that this guy is a rookie, unprofessional and will need additional training. After contacting XXXX to inform him of the horrible experience he insisted on defending his team member instead of handling the concern. We will be taking legal actions due to the circumstances. ROOST LENDING, INC. Miscalculating loan amount also had us at a high rate..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was A victim of identity theft somebody still my SS Number and open a bunch of accounts under my name. I went to Police station and they took a report I ask them to investigate but they did not find the criminal I send the report to credit bureau and XXXX and XXXX deleted the Wrong information but equifax did not. 
Can you help with Equifax thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are reporting false information on my credit report. A creditor improperly providing false information on a person 's credit report is a flagrant violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
TD Bank Keeps Selectively Deciding what transactions to pay, and what transactions to reject causing numerous fees to be incurred .... TD should have just rejected sale when presented to be paid resulting in a declined transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Second Round Limited Partnership, Austin, TX Branch
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX, XXXX, 2020 I contacted Second Round LP/Second Round Sub LLC requesting debt verification of {$360.00} they are claiming on my credit report. As attached, I requested specific verification with my signature to show my agreement between myself and Secound Round but instead they responded on XX/XX/2020 with bills. Bills are not verification and this was also stated in my request to them that, " Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless Second Round LP can provide proper validation as recognized in FCRA 15 U.S. Code 1692g '' I  requested that they delete all the information they reported unless they had proper validation which they failed to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 do not recall signing any release of medical records form for anyone to release my information. Health Insurance Portability and Accountability Act of 1996 protects me from having my information released or sold without Consent.

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 2017-12-26
Company: TENET HEALTHCARE CORPORATION
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I personally wrote a certified letter to XXXX XXXX XXXX, informing them that I have never signed a contract with them that would show that I owe the company any money. This company placed a collection 's debt of {$640.00} on my credit reports. I want this company off each of my credit reports. XXXX XXXX XXXX, has failed to supply proof that I ever had a contract with them. They have also failed to communicate with me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Monterey Financial Services LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the company XXXX. ago & was told that they can't find this debt in my name. Told XXXX  this & they still say its mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX   XXXX   XXXX   XXXX  transferred the loan to  XXXX   XXXX  when it was in consolidation and in forbearance.  XXXX  then worked with me putting them in Forbearance until they transferred the loans to  XXXX  where the loans are in good standing and in deferred status while I am pursuing a  XXXX   XXXX   XXXX  . All  XXXX  bureaus as showing the originals  XXXX   XXXX   XXXX   XXXX  account as Closed.  XXXX  is reporting the same accounts as Closed with different account numbers and with delinquent payments.  XXXX  shows yet again different numbers but they are in good standing.  XXXX , Transunion, and   XXXX    are all doing the same. I have requested that these be investigated for years and the response is always the same. That the information is correct upon their investigation.

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 2017-05-23
Company: Navient Solutions, LLC.
State: OR
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:
Hello, I have noticed that my len der, Navient, is not applyi ng extra payments I am making to my loan in a way that maximizing my repayment. I followed instructions on the cfpb website with regards to how I wanted my payments to be handled and emailed my instructions to the lender. They shared that they could not set up in advance how to handle extra payments, but rather that each time I paid an extra amount, I would need to wait for the payment to post and then email instruction s ( corresp ondence attached ). I als o called Navient  on  XXXX  to receive additional details that they told me another method would be to send them a check and then send instructions every time I mailed a check. I pay a bit extra every month so this is not a realistic or consumer-friendly policy.     Next, they have an error on their site, they say that you can not add more than the minimum about to you auto payment. It says " Your recurring Auto Pay amount ca n't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in  the navigation menu  and specifying an additional amount for any loan enrolled in Auto Pay. '' However, when I called the lender on  XXXX , they told me that I could pay more than the amount with the autopayment ( ACH ), but that they had to set it up over the phone and that it would " change the terms of my loan. '' When I pushed her on what she meant by change the terms, she said she just meant changing the payment schedule. I asked that she please send me all the details in writing and shared that they are sharing erroneous information on their web portal with their borrowers regarding payment methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: ME
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:
I recently had a company report a that my account was 30 days late in XXXX on my credit report. The account that is reporting this is XXXX. I was absolutely 100 % NOT 30 days late, and I have PROOF of this. I have NEVER been late or missed a single payment on this account and, in fact, not only was I NOT late in XXXX, but I also made TWO ADDITIONAL payments that I DID NOT HAVE TO MAKE in XXXX and paid FAR MORE than the minimum due for the month of XXXX because I am trying to pay the account off sooner rather than later as I am purchasing a new home. 

Now, here is my problem with EXPERIAN. I have been trying to file an online DISPUTE for this account for the past FIVE DAYS and I keep getting an error message saying, " Oops, we're sorry! We are currently unable to process your request '' whenever I try to file a dispute. I have NEVER had this issue with Experian before when trying to file disputes online. I have emailed Experian customer service XXXX XXXX in the past several days, but my emails are being IGNORED and NO ONE has replied to me. 

FIX YOUR ONLINE DISPUTE so I can FILE MY DISPUTE or I will take LEGAL ACTION against Experian. With this complaint, I have uploaded a screenshot of this error that I keep getting whenever I try to file a dispute. I have been getting this error for NEARLY AN ENTIRE WEEK. FIX IT. NOW.

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 2022-09-07
Company: T.S. Holdings
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: Information belongs to someone else

Complaint:
I have sent dispute letters to each bureau to have IQ Data Int ( original creditor : XXXX XXXX XXXX XXXX TX ) in the amount of {$13000.00} reporting to XXXX, XXXX and XXXX Removed immediately. The dates do not match up which is a violation. It has been more than 30 days and bureau has not responded with my results. I would like to have this collection removed immediately

Company response to consumer: Closed with explanation