BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: PNC Bank N.A.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: AES/PHEAA
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been under a {$0.00} IDR repayment plan on my student loans serviced by FedLoan for 3 years. FedLoan has inconsistently reported my repayment history under these payment plans, which has had a negative impact on my credit scores. 

Some months Fedloan will report my {$0.00} payment as on time, while in other months the {$0.00} payment goes unreported entirely. 

FedLoan reports all three loans as active every month, so the total number of reported active months continues to accrue. However, when the bureaus divide the number of monthly payments Fedloan reportes as on time by the total number of months reported under the loans ( which includes months where Fedloan reports no payment information ) the resulting on time payment calculation is misleadingly low.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My hazard insurance renews this month, and I decided to change carriers. I advised Suntrust Mortgage ahead of time of my decision, had my new carrier provide all of the required information to Suntrust, and advised Suntrust NOT to pay my old carrier. Suntrust ignored my request and paid my old carrier anyway. Now I 've got a policy I do n't want, a new carrier who has n't been paid, and Suntrust refuses to help me. I want the premium they disbursed to the wrong carrier refunded to my escrow, the correct carrier paid, and some sort of compensation paid to me for all of the time I have had to spend trying to unravel this mess they 've created.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results

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 2022-04-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I paid two old credit card accounts I had with XXXX XXXX XXXX XXXX. I filed a dispute with experian and provided proof of payment and that the account should show a XXXX balance. They have refused to update my report and correct the information. They claim that since XXXX said the account wasnt paid that they wont fix it. So know I am facing a higher interest rate on a loan and may not be even able to qualify for the loan due to their incompetence. I just want my credit report to be accurate which should not be to much to ask.

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 2015-12-03
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On more than one occasion I have requested for the Dispute department to contact me. They have yet to do so after hours on the phone with them and promising phone calls. They are reporting inaccurate information to my current Ally Auto account causing derogatory marks on my credit file with XXXX, XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07
Company: EQUIFAX, INC.
State: NV
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:
There is a major issue with information on my credit report. My name is XXXX XXXX not XXXX XXXX which is a name that constantly keep showing up on my credit reports. I sent in a copy of my utility bill and my social security card showing my correct address which is XXXX XXXX XXXX, XXXX XXXX, Nv XXXX. Been here for quite sometime. I called the credit card companies and all those accounts are XXXX XXXX not XXXX XXXX with a address that do not belong to me that was opened online some time ago. I have disputed and this is my last attempt to remove this accounts for they belong to someone else. The XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX, XXXX   cXXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Im assuming these accounts are connected to a bankruptcy that showed up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/XXXX, a check XXXX ( check advance ) for {$920.00} was processed against my account that I never received, signed or approved. My account is set up for automatic payments, but my account had a XXXX  balance for many months. I noticed this charge in XX/XX/XXXX, and immediately called them to report on XX/XX/XXXX. The claim number is XXXX. They closed my card and sent me a new immediately and advised me that they would take care of this. I made several calls to ask about this investigation, asked to speak to a supervisor ; was told a supervisor would call me back and that the fraud department would take care of it. Being a long standing customer since XXXX, I never doubted the bank would not protect me. After hearing nothing from Citi, I called back in early XXXX and was told that my claim was closed. I never received any written correspondence about my claim from Citi, which I believe under a bank regulation they are required to do. 

If Citi bank reviews their call-in records they will see the numerous calls I made. In addition, I requested a copy of the fraudulent check and was told that they could not provide. I do not understand why, if there is fraud on my account the bank should prove to me the signature on the check, because it is not mine. 

On XX/XX/XXXX, I called them again and was told my claim was closed and they stated they opened a new case. I asked for a new claim number and the representative advised they could not give me one and someone would call me back in 10 days, I received no phone, and no correspondence. 

This bank needs to be investigated for unfair, deceptive practices because they are unwilling to assist me in this fraudulent cash advance check that was transferred to someone I do not know or is affiliated with. In addition, I believe the bank is waiting for the the 90 days to be up, so can tell me they can not assist and have no recourse. If they are doing this to me they must be doing the same to many customers. It is up to the bank to protect me, I immediately reported this crime, have not used my account in months. 

The bank is required by law to investigate and remove any fraudulent charges from my account. I requested Citi Bank to stop any sending checks before any of this occurred. 

I have continued to make my auto-payments because I do not want to ruin my credit, but this automatic payment is not an acceptance of this fraudulent check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: GOLDMAN SACHS BANK USA
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Stayed overnight XX/XX/2021. 1 night in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. XXXX. 

I was charged 4 nights @ {$180.00} each and refunded only 1 night. I contacted the Hotel, which said they would look into the issue and process the refunds. 

I then contacted Goldman Sachs, regarding the unauthorized charges. They immediately marked 2 of the transactions for review. I contacted them further after two weeks time, I was informed that processing of the transactions in review could take up to 90 DAYS. 

Several transactions have since occurred, but my usable balance does not accurately reflect on my XXXX XXXX causing confusion, and hinders my ability to adequately determine the exact payment, and refund status that occurred for the overnight stay of the XXXX. My monthly transactions shows 6 travel related expenses for a single overnight stay including ; {$9.00} for refundable cancelation at the time of booking. 
{$180.00} XX/XX/2021 the above charges are the only valid transactions. 

{$180.00} XX/XX/2021 Transaction in review {$180.00} XX/XX/2021 Transaction in review {$130.00} XX/XX/2021 Card number used {$1.00} XX/XX/2021 Card number used My complaint is that transactions are immediately posted when it comes to charges to my account. HOWEVER, transfer of money, refunds and disputes ( often with charges ) take several days to several months to complete. 

In a world where technology can transmit at the speed of light ( proven with every charge or payment, transfers, refunds and disputes are impossible to resolve in any reasonable time. 

I've sent my complaints to my Representatives, and complained directly to the companies involved. 

I view this as an unacceptable practice, and have lobbied to have better response to issues, when Banks and Credit Card companies need to refund at the same speed and efficiency as they post sales, and collect interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: NV
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Professional Finance Company, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Professional Finance Company is the 4th collection agency attempting to collect this debt. Please find attached documents showing that the 3 previous collection agencies had my credit files showing that my files were deleted. The debt was never verified.

I am a little concerned because two of the companies have similar names, Professional Finance and XXXX XXXX XXXX XXXX.

See attached documents showing that they all had been deleted. 

.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29
Company: Healthcare Receivables Group, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Workmans comp claim paid and original company and I have provided supporting information to confirm information incorrect. Collection agency persists in verifying information to credit bureau. They have said for 6 months that they have tried to resolve but evidence shows they are verifying information to XXXX. 

I just received dispute results that confirms they are verifying this information despite knowing it is incorrect. 

XXXX is also verifying information they know to be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have had an FHA loan with SunTrust mortgage since 2009 when I purchased my condo for {$200000.00} with the help of a mortgage broker who has since left SunTrust. At the time, the condo appraised for {$220000.00} but because I had just started working, I still had to pay mortgage insurance since we did not have the cash for a XXXX % down payment. More recently, because of lower interest rates and multiple spam emails from the current broker, XXXX XXXX, I decided to apply for a refinance. Initially XXXX was very helpful, and although I did not qualify for the lowest advertised interest rates since I no longer lived in the condo, she said that I would still be able to lower my mortgage payments with the refinance. We decided to proceed with the application. The appraisal came back at {$190000.00}, which was partly based on a comparable rental that had a lower price listed on the appraisal then on the Internet as well as a comparable sale in a multiunit building with many previous sales, none of which were on the original appraisal. XXXX said that because of the lower appraisal I would need to pay mortgage insurance since I no longer had enough equity in the property. I asked to appeal the appraisal but also offered to pay down enough of the mortgage to Own more than XXXX % of the lowered appraisal. The following day XXXX responded that the condo association did not meet required XXXX % annual reserve allocation requirement on the budget, despite the fact that the HOA allocates XXXX % of the budget to reserves and has cash reserves that are greater than XXXX % of the annual budget. I asked for a refund of the appraisal fee since I felt that the reserve allocation issue should have been discovered prior to going ahead with a {$500.00} appraisal. I did not receive any response from SunTrust. I suspect that they are only interested in collecting the appraisal fee and were looking for any excuse not to proceed with the actual refinancing since they are already collecting a higher interest rate, as well as mortgage insurance.

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 2016-05-19
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In XXXX 2015, my annual Income Based Repayment ( IBR ) recertification application was submitted/received by Fedloan Servicing, with a due date of XXXX 2015. Despite submitting my application, 2 weeks prior to the due date I began receiving emails stating that my application had not been received. After receiving each email, I called Fedloan ( on XXXX occasions ), to inquire about the status of my application and about the purpose of the email notifications. Each call, I was advised that my application was in fact " complete '' but just had n't been updated in the system. However, the day after the deadline, I was notified that my application was missing my husband 's signature and therefore was considered incomplete. I faxed my husband 's signature page that same day but, since at that point it was a day passed the due date, my interest was capitalized and {$11000.00} was consequently tagged onto my student loan balance. 

I submitted a written appeal, accepting my oversight, but also explaining that, prior to the due date, I was advised by XXXX representatives that my application was complete. Therefore, I had been misinformed at a point when there was still ample time for me to correct the error. I also explained that my husband had recently been XXXX and, around the time of submitting my application, we were informed that his XXXX was not working and therefore his life expectancy was less XXXX. I had forgotten to do many things during that time ( including obtaining my husband 's signature on my IBR application ), distracted by the possibility of losing my husband and the father of my XXXX small children. With my appeal, I submitted copies of my husband 's medical records, to verify his XXXX, and to justify my oversight. Apparently, that was not enough - it was not even enough to warrant a written response from Fedloan ; I ended following up several weeks later and was advised by a manager/representative over the phone that, " I 'm sorry about your husband but we are unable to reverse any of the {$11000.00} interest since your husband 's signature was not submitted before the due date. '' The manager attempted to console me by saying " it does n't matter, because you qualify for loan forgiveness, so you will not end up paying the entire balance anyway. '' For the record, I have XXXX more years XXXX before my loans can be forgiven. 

Sadly, I do n't think it was a coincidence that, despite the number of times I called to check my application status, I was not advised until XXXX day after the due that my application was missing my husband 's signature and therefore considered past due. And, considering the circumstances ( i.e. my XXXX ), this seems complete careless and insensitive on the part of Fedloan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
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 is missing that should be on the report

Complaint:
I have been in constant communication with Experian regarding the errors and inaccuracies on my consumer credit report. Experian needs to provide documentary evidence for all investigations completed on my investigative consumer report, consumer credit report and consumer credit file. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX XXXX CA with the correct spelling of my name. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX XXXX CA with the correct spelling of my name. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX XXXX CA with a 'T ' added to the spelling of my name. 

I received an email update from Experian dated XX/XX/21 indicating the dispute results were complete. The dispute results now lists my name and address incorrectly. These errors compromise my credit as mail will be sent to an incorrect address and I am exposed and could be subjected to identity theft. 

There are no new accounts that have been added to my consumer credit report within the last 90 days so there should not be reason for my current address to be removed completely and replaced with an incorrect address. I have never extended my credit to any company with the name variations listed on my consumer credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have contacted Apple Card Support, XXXX, XXXX, and XXXX many times to get this situation solved. Every time I apply for the Apple Card credit card, it declines me because of trades that I do not have open, since I do not have any trades. I have confirmed with all three credit bureaus ( XXXX, XXXX, and XXXX ) that it does not show anything about trades on any of my credit reports. Apple Card Support is also not very helpful, and does not know why it keeps declining me for the same reasons. Apple Card Support advised me to call XXXX, XXXX, and XXXX, which I have already done, and still am unable to get approved. I have attached the letter that Apple Card Support sent me via email about me being declined. I have also been working to try to get this Apple Card credit card for over a year, and I still can not get approved for the card, and it is just so frustrating. I could use all the help that I can get. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
The bank obtained the property through a foreclosure. To the best of my knowledge any efforts to date to sell the property have been by an online auction process. This process has not allowed for interior inspection prior to the auction bid and could be one of the reasons why the minimum amount required by the Bank has not resulted in a sale. The home has remained vacant since XXXX, XXXX. The Bank is not maintaining the property. As President of the XXXX XXXX in which this property is located and as a home owner who lives XXXX doors from this house, I 'm particularly concerned about the vacant status and lack of maintenance of this home. A letter was sent to JP Morgan Chase XXXX/XXXX/XXXX requesting they work with the XXXX XXXX to retain a local Real Estate Agent who could market the property for them. A reply was requested by XXXX/XXXX/XXXX. To date ( XXXX/XXXX/XXXX ) we have received no response.

Company response to consumer: Closed with explanation