BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a medical debt which goes against The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. 


Also, this is not my debt. This debt is a result of identity theft. This debt should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, 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:
I XXXX XXXX am making this complaint myself not a third party company. please do not close this complaint with out sending it to the proper places. I went to buy something on credit and noticed that there are some accounts on my report that i never signed up for so i am complaining that the credit agencies have done nothing to help me get these accounts off my credit even though i submitted a report and also a [ police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the items were erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items below : 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 2023-10-03
Company: MOHELA
State: NY
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:
I applied for the new REPAYE/SAVE plan for my Federal Student Loans. 

According to my calculations and those from a trusted site using their calculator, the payment amount that was given to me is not correct. I was told my new monthly amount would be {$250.00} but according to my XXXX the payment should be $ XXXX. 

I understand that there have been miscalculations so I want to get mine corrected. I will also be reaching out to Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I " rent '' a XXXX XXXX XXXX from Chase. It does not work. I have gone through the tech support process with Chase and they are unable to fix it, but are also refusing to remove it from my account. They are forcing me to pay XXXX XXXXXXXX for a XXXX XXXX  that I can not use. I had an appointment with their " tier 2 '' support team on XX/XX/XXXX XXXX XXXXXXXX, and they failed to call. They are charging me for a product I can not use and they refuse to support. This is FRAUD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Credit reporting 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 have inquiries of the came company on the same day multiple times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recievd a letter stating that I owe more than XXXX XXXX XXXX XXXX XXXX XXXX, yet i have an XXXX from my homestate of PA. I have been overcharged constantly as the XXXX company is given the ability to withdraw money from my account whenever they want. I had tried to settle the situation with a representative and was told that if I paid money the day we were on the phone, the remaining balance would have been fulfilled

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: PLANET HOME LENDING, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Since Planet Home Landing has taken over servicing this loan, we had nothing but trouble with predatory fees being added with the consistent and constant monthly amounts due. Never had any issues with any other lender in 20 years of owning a home that was mortgaged until Planet Home Lending took over this mortgage. 

Planet home sends monthly statements with the bolded amount listed as " Amount due '' that various each and every month. They then add predatory fees and late payments when you send a payment that matches what is stated on the amount due that when you look deeper at the statement the regular monthly payment in smaller letter below shows the correct amount. I am accusing Planet Home lending of adding these fees, tricking consumers with the amount due in large bolded letters at the top of statements to trick consumers in paying something different than the actual monthly payment that should be consistent unless there is a change in taxes and insurance. I can go back historically and show the amount due changes each month and after speaking to an agent today she highlighted that my regular monthly payment in the box that states " explanation of amount due '' is what I should be paying, but neglects the fact the AMOUNT DUE at the top of the statement shows something completely different. 

I want a full refund of all fees and penalties because of these predatory lending and fees that they target Veterans. I would also like Planet Home investigated to determine if this is a common wide practice and if they specifically target other Veterans and VA loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( XX/XX/2023 ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX  {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$24000.00}

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 explanation
Consumer complaint received 2023-11-28
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted a police report about an incident that happened with my debit card it has been past 10 business days I was told I was supposed to receive a provisional credit my account is currently in the negative I havent received any provisional credit and my case is still Open even though I send a replace report in every police report number to resolve the situation and I still havent received my funds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: DISCOVER BANK
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
On XX/XX/XXXX I applied for a Discover refinance home equity loan. I was given nine point interest-rate and everything was going smoothly until XX/XX/XXXX when they said I was in a flood zone which I am not. I submitted all the documents from XXXX showing Im not in a flood zone. I then been followed up with a call to the document loader because I was willing to even buy flood insurance and then cancel it later so that this loan would go through. She stated that all the documents looked good and then now we wait for them to reject and to give us Extended deadlines to prove otherwise. My first mortgage does not have flood insurance and it is not required because Im not in a flood zone. They told me that XXXX reported that I was however when I called XXXX XXXX said that XXXX not in a flood zone and that many of these lenders use third-party, conservative underwriters that will demand flood insurance if you are close to a flood zone. This sounds like a cash grab and seems to be illegal Forcing me to buy flood insurance when Im not in a flood zone. Meanwhile because its another month it is now XX/XX/XXXX. They canceled my loan application even though it wasnt my fault and there have been two rate hikes so now I have to reapply with a 9.8 % interest rate. And still fighting to prove I am not in flood zone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and correct them in my file right away : 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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-03-23
Company: EQUIFAX, INC.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$260.00} 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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is to inform the reporting agency that I discovered some unauthorized inquiries on my credit report which violated my consumer right In Accordance with the FCRA section 611, I have tried to resolve this situation but nothing as happened please kindly remove the following inquiries from me report because i do not authorize them. 

XXXX XXXX Bank XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-02
Company: EdFinancial Services
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My name is XXXX XXXX, and I am a student in school. I have submitted an in-school deferment form to Edfinancial via multiple avenues as they kept ignoring the deferment request, and they put my loan as past due. Here are what I have have done addressing the issue : I have uploaded the form at Edfinancial website on XXXX, and I called them on the XXXX to verify. They acknowledged they received it. Today XXXX, my loan is stated as PAST DUE. 

Just to make sure that the issue does not get ignored, I have faxed the in-school deferment form via XXXX ( I have a receipt ) on XXXX. I have sent it via USPS Priority with signature verification ( I have a receipt ). All these precautions and costs did not matter as EdFinancial did not put my loan into deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Credit Buruea keeping reporting inaccurate information on my credit report about this account down below is the letter i sent them but still saying they verified the account when it hasnot been updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX @ Experian Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute Regarding XXXX XXXX XXXX XXXX Account Dear Experian Consumer Assistance, I am writing to formally dispute the information on my credit report related to the XXXX XXXX XXXX XXXX account. The account is currently listed as closed with a balance of {$7300.00}, and it is negatively impacting my credit score. 

I have several concerns regarding this account : 1. **Inaccuracy of Reporting : ** The XXXX XXXX XXXX XXXX account is inaccurately reported as active, even though it was closed. The status of " Account charged off '' with a past due amount of {$7300.00} is incorrect, as this account should have been closed in XX/XX/XXXX. 

2. **Dispute Status : ** Despite my previous disputes, the information remains unchanged. The completion of investigations indicates a persistent disagreement, and I request a thorough reevaluation of the reported details. 

3. **Violations of Fair Credit Reporting Act ( FCRA ) : ** I am aware of my rights under the FCRA , and it appears that the reporting of this account may be in violation of the Act. The inaccurate reporting has caused me financial harm, and I intend to use every consumer protection law available to rectify this situation. 

I kindly request a prompt and thorough investigation into this matter. Please provide me with the results of your investigation and any actions taken to correct the inaccuracies on my credit report. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
This was my follow up submission of my concern regarding these listed inquiries which I sent a letter to the XXXX, XXXX and TransUnion Credit Bureaus dated XX/XX/XXXX. And I am asking for help from CFPB to make the mentioned 3 Credit Bureaus will do with professionalism in addressing my inquiry removal request. Please, Here is a list of inquiries that don't belong to me or were opened without my permission, and in need of deletion from them : 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 TRANSUNION XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies should block any information in my file that I identify as resulting from alleged identity theft within four business days of receiving the 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 non-monetary relief
Consumer complaint received 2023-10-14
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Description of complaint : XX/XX/XXXX - used and paid card XX/XX/XXXX - card declined and found out it was closed with no notice I have always payed my synchrony  XXXX XXXX on time for years, and never had any issues or delinquencies. I reorganized my bank accounts to better suit my finances and that caused XXXX nsf. Which I immediately rectified with a manual payment. I also called about updating my autopay and recieves NO help. Also NOWHERE on the lowes credit center on their app or the mobile synchrony XXXX  site does it allow you to change autopay information. Due to this the autopay series continued and caused an additional nsf payment to that same account. Which I also immediately went and paid. They then without any warning, heads up of policy, offer to help update my autopay series or anything just closed my account. It is my most used account and critical to my work. 
Nobody has even been willing to listen or help. I cant imaging this is how you should treat a great long time reliable customer. There are many less dramatic actions to take first, and much more customer service that should be provided. I just want my lowes card and its a shame this is whats happened .... 
Desired settlement : Reopening of my XXXX card account and assistance updating autopay info to new 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 2023-12-14
Company: Absolute Resolutions Corp.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under Absolute Resolutions and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do i believe that the creditor has authorization to access the account nor authorization to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. I have attached a debt validation letter demanding competent evidence.

Company response to consumer: Closed with explanation