BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I recently got a SouthWest Visa card. When I created a login account on the Chase website, I saw they had listed a XXXX account which is a XXXX Visa card. I do n't think I signed up for that card, ending in number XXXX. It was never activated, it was never used. So I asked the representative to waive the accumulated charges of late fees, interest and annual membership. They refused to waive the {$95.00} membership for an account that has never been used. I spoke to the supervisor, and she told me the same thing. This seems like a scam which XXXX XXXX has been recently doing. To charge a customer for something they never used. It would make sense if I 've been using a XXXX Visa card, and then ask for a {$95.00} waiver for an annual membership fee. Chase should automatically check their accounts to see if a card has not been used for a year, then consider it inactive and cancel it. Instead they keep adding up charges and tell the customer to pay for a product / service which was NEVER used

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HRRG called my wife 's phone threating to hurt her credit. When I was on the phone with the lady I asked for Verification before proceeding with any communication. The Lady told me that she is not sending any more letter which is a violation. This company is harassing without proper verification. Without any verification any attempts to place any negative item on my wife credit is a violation.

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 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 filed a complaint already regarding XXXX XXXX, they sent a letter that this would be removed " forgiven '' and would update for the past 6 weeks " TRANSUNION '' has been lowering my score there is 100 point difference I went to apply for a mortgage and the mortgage lender saw XXXX  @ XXXX for score, XXXX gave two credit numbers mortgage was XXXX and credit card was XXXX, Transunion had XXXX as corrected score up until today XX/XX/XXXX they noted I had a SERIOUS DELINQUENCY and I have not missed a payment on any CREDIT that I have obtained since my husband died in XXXX which is clearly seen in my report, not 1 missed payment, TRANSUNION has reported that I have 30, 60 and 90 late payments this year in XXXX when I have not had a late payment on my report for me EVER.. I have not 1 misssed payment since I opened XXXX that was in XX/XX/XXXX and since I have had a good credit score and now it has gone done to XXXX for a Serious delinquency and I have the report and shows Nothing is late so I need this fixed I called Transunion and confirmed XXXXas my score on XX/XX/XXXX and today XX/XX/XXXX is XXXX and they said it was due to a late payment, there is no late payment on any credit I have

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$1100.00}.

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 2020-04-10
Company: ID Analytics, Inc.
State: FL
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:
on XX/XX/2020 I received a letter from XXXX XXXX stating that my car loan was denied due to the fact that my credit was pulled from SageStream LLC, a company I have never heard of and I am concerned that they have all my information in their system. The 3 credit reporting agencies and bureaus that I trust are the 3 well known ( XXXX, XXXX   and XXXX  ). To my knowledge, these are the only reputable and valid credit bureaus. 
My credit score through XXXX is XXXX which is considered excellent. However, Sage Stream gave me a credit score of XXXX through their system which affeted my ability to get the loan approved.This is faulse information being circulaed about my credit history and score. 
My concerns are as follows : 1- I am not comfortable with having a random company that claims to be a credit reporting agency to collect and share information about me. 
2- The information that is being shared with the lenders is faulse and does not reproesent my credit history accurately.

3- I would like SageStream LLC to remove my information from their system as I believe it vilolates privacy rights and it also gives faulse and inacurate information about my credit that contradicts what the 3 major credit bureaus ( XXXX  , XXXX  and XXXX  ) credit score says about me.

4- Sage Stream LLC is providing inaccurate credit scores about consumers which results in loan denials or loan approvals with very high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company, Ocwen Loan Servicing, has continually charged me late fees for payments that were made on time. I have sent documentation to Ocwen from my bank confirming that my payments actually cleared my bank before the past due date, but they ignore my attempts to receive a credit. I have been trying to resolve this issue for several months. I have written to Ocwen multiple times and they continue to do the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: SC
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been making payments on my private student loans since XX/XX/2012. I believe the first 2 years were going to be interest-only payments. However, I was doing research into my payment history today and found that ever since then ( approximately 5 years ), my payments are inconsistently applied to interest and principal. For example, if my payments are made on time, {$0.00} of my payment is applied to the principal and all of the payment goes toward interest. Many payments are showing that {$0.00} or some other small fraction of my monthly payment has actually been going to pay off my loan. Because of this, it ends up that on one of my loans, I have only paid {$550.00} in actual loan debt since my payments of about $ XXXX/mo on that loan began XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: HUNTINGTON NATIONAL BANK, THE
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Huntington Bank has somehow lost my XXXX payment. When asked to pay late charge and XXXX payment all over again, I complied. I had checked my accounts statement from my own financial institution immediately prior to being informed of the late payment. It showed my XXXX payment. After I returned to my financial statement after making the " late payment '', I found the initial XXXX payment was gone. No trace that I had ever made the initial payment showed up at all. That is either some glitch in the universe or an agent with some XXXX type access making moves of my financial assists from within the XXXX banks systems. I would like this matter to be investigated further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 noticed two accounts on my credit report that I did not recognize. I have never had XXXX  XXXX or XXXX. I never even use my credit. This has to be identity theft because I never solicited these credit accounts. Please help 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 2022-05-06
Company: EQUIFAX, INC.
State: TN
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 received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I made my XXXX and XX/XX/XXXX payment of {$820.00} a month to SETERUS. When I was trying to make XXXX payment it was when I learned that SETERUS was no longer servicing my loan. It was Mr. Cooper. I called the number that was left on SETERUS phone line and spoke with an agent who told me that Mr. Cooper had bought my mortgage. I made XXXX and also XX/XX/XXXX payment with. Mr Cooper when it was required of me to pay it. In XXXX  when I tried to make a payment the Mr Cooper agent would not take the payment of {$820.00}. Claimed that I owed {$5700.00}. And unless I paid it they could not take a payment from me. 
I asked them where this money owednwas coming from they replied that SETERUS had reported to them that I owed them. Back in XX/XX/XXXX my mortgage was refinance so my payment was {$930.00} I met the trial payment conditions so in XX/XX/XXXX Seterus did an analysis and my mortgage went down to {$820.00}. I sent every piece of documents that was proof including bank statements for XX/XX/XXXX to XX/XX/XXXX to Mr Cooper that they asked for. I called back and was given the run around I called sometimes every day I keep getting different answers from agents. 
I was assured that if i Refinance with Mr Cooper that more than likely that I would be approved. When I called as to find out what was the outcome I was told that the refinance was higher than what I was originally paying. 
I told Mr Cooper that {$1300.00} was too high for me to pay. I was told that I had to pay it. I told them that my loan was already modified with SETERUS and why couldn't Mr Cooper honor it. Customer service is so very poor at Mr Cooper it was unbelievable. They kept turning me around and now here I am according to them I don't qualified for refinance. Instead I was sent a letter of FORCLOSURE. I asked them to please see what they can do because I don't want to loose my home. 
I have been saving the {$820.00} since then but they would not take it from me. 
This company refused to work with me to resolve this issue and bring a resolution to this ordeal. My loan was modified with SETERUS and the money that Mr Cooper is saying that I owed, it was put on the back of the LOAN. At no time SETERUS told me that I was late or behind in my mortgage payments. 
Please help. I filed a complaint against SETERUS who I have learned have filed for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Sent three certified letters to each bureau requesting that they remove the public records provided documents to each bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681

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 2022-05-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2019 I came down with the most severe illness I have ever had. I later found out it was covid. I was bed ridden sick for over two weeks. I was not paid during this time and therefore behind on my financials. I made payment arrangements with all creditors. When speaking with PayPal- the agent accepted my offer that I could only make {$20.00} payments until I catch up and in a couple months I could pay back on track. I kept my agreement and paid. Prior to this ordeal I had 100 % on time immaculate payment history not only with PayPal but with all my accounts. Quite some time later- I find out PayPal reported that I missed two payments. This has been hurting my score and perfect payment history. Its showing negative remarks. I disputed with the credit bureaus. PayPal claimed no inaccuracies. So I called PayPal. PayPal looked into it and apologized for the error. They investigated my history and saw where that call took place and that I in fact did establish the payment plan and paid. I have now been fighting this for two years. My credit is hurting severely over just this one issue. Please help me, as I feel cornered by this error!

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 2018-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am uploading 2 different copies of my credit report to prove that XXXX credit reporting company is reporting incorrect information on my credit report. XXXX XXXX XXXX XXXX is a fraudulent account I have disputed this numerous times. It has been removed off my XXXX credit report which I am uploading proof. XXXX sends me the before and after dispute results and all they did was add I am disputing this as a fraudulent account. After research and contacting legal advice I was told by my attorney any fraudulent account is to be removed from my credit report. Another discrepancy is my XXXX account. On XXXX it is showing as account that is negative and will go to a positive in the year 2022 well on XXXX   it is showing as account paid as agreed and account that is satisfactory. XXXX  I feel is not doing any investigation on my disputes. If they did this matter would have been corrected and resolved already. My XXXX report looks horrible because it has all incorrect information. It is affecting me in obtaining substantial credit. However on my XXXX report there is nothing negative as it should be reporting. I am constantly having problems with XXXX  in getting them to correct the completely wrong information on my report. They dont care as its not there name being ruined its my name.

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 2016-08-25
Company: Vital Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company, Vital Recovery Services/Solutions, has repeatedly called my father-in-law 's home phone number and left unsavory messages on their machine. Finally, on Monday XXXX XXXX, after calling my father-in-law 's number 5 times, he finally answered. The representative for Vital Recovery Services then proceeded to tell my father-in-law about my debt, and that I owe all this money and that I need to pay. When he told them that I do n't live there, the rep for VRS then asked how else to get a hold of me. First complaint : I have settled this debt with the creditor that VRS is harassing me about. Second complaint : Vital Recovery Services has been harrassing my phone as well as my father-in-law 's phone constantly. I have not lived at that address ( my father-in-law 's house ) in 10 years. Why and how does VRS have that number? Third complaint : the representative for VRS willingly and knowingly gave information aboit my debt to a third party that had no business knowing that information. Not only did the rep give out private information about my debt, but it was the wrong information at that!

Company response to consumer: Closed with explanation