BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-09
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We were in the process of modifying our home loan when XXXX XXXX closed the account. All docs were submitted to her. 
We dealt with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX prior to the foreclosure begging for a postponement. 
These are all employees of Chase out of XXXX XXXX 's office No assistance at all ; Chase foreclosed anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Affirm Holdings, Inc
State: IL
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:
When Affirm started out the only way to access your account was with the phone number you used while setting up the account. For verification purposes, whatever number that was on file, would receive a text code in order to log in, or for customer service to access the account, or to make payments. Months after having the account and making on time payments I had issues. I changed my phone number ( I switched cellular service ) and was unable to access my Affirm account. I called Customer Service to get my phone number updated and to make a payment and basically Customer Service couldnt help. In order to make changes to the account I needed the code texted to my OLD PHONE NUMBER, which I didnt have. I called several times, tried to make payments and tried to update my information but it was nothing Customer Service could do. The last attempt a Customer Service Agent told me after a couple of days if theres no payment Affirm will call me to try and collect the payment and that he attached my new number. No call happened, I couldnt log on, I called back but nothing happened. Eventually Account went into default then went into collections. At that point I was able to pay, but it wasnt as easy. XXXX XXXX had to update everything before I was able to pay, address, phone number, amount and once it was updated weeks later I was able to pay the bill. Bill was paid in full, Affirm will not update my status as paid in full, and I keep getting declined for future loans because of this. This account is several years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX  hospital to find a reference number to a claim that they have submitted and a collections that has been sitting on my credit report. They referred me to a number to call the collections agency. The collections agency found the account however it had a difference reference ID as well as a date that didn't make sense. I was XXXX XXXX from the XXXX XXXX as a XXXX  veteran JXX/XX/XXXX. The date for the visit was listed as XX/XX/XXXX however,the hospital stated that I didn't visit until XX/XX/XXXX.

Also, it stated that I saw a doctor XXXX (withholding name due to privacy) however, I just saw the same doctor 2 weeks ago (XX/XX/XXXX) and we have NEVER met prior. 

No matter the situation, combat veterans are gifted with 5 years of healthcare through the VA, so I am not sure why I was charged for a visit I never had. Even if I had it, it was covered under the VA health care system. I guess I am just 1 of 17,000 veterans who were skipped over as determined by the VA Inspector General in a report published XX/XX/XXXX. 

To summarize:
-If I wanted to pay the debt and have it removed, I couldn't because nobody has the account. No collections agency, no hospital, nobody.

-I was under the 5 years of health care (still am) from the VA system with the key terms being as follows: 
--"Eligible combat Veterans will have free medical care and medications for any condition that may be related to their service in theater."
--"Low or no out-of-pocket costs."

In one sentence; I have a medical bill in collections that I didn't receive services for, that I can't pay and shouldn't pay under federal guidelines and I can't get it removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Regarding my prior dispute : XXXX TransUnion states the following : In order to protect your privacy, we have mailed a courtesy copy of your TransUnion credit report to the current address we have on file for you. Please review and provide us with the exact information you believe to be inaccurate. You can expect to receive your report approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX XXXX XXXX  ET. Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. DESCRIPTION OF NON-MONETARY RELIEF We reviewed your complaint and apologize for any difficulty you may have experienced. We have updated the personal information as requested. ********* It is the last sentence where they have mislead both the CFPB and me, as a consumer. I pulled up my credit report on XXXX XXXX, 2017.  They HAVE NOT updated the " personal information as requested '' ; which was, namely, to delete the wrong address on my account : XXXX XXXX XXXX, XXXX, etc. I believe that they are in bad faith because for them to delete it requires nothing more than deleting it. Again, they have mislead you and me alike. They have not updated the personal information as requested. Please, CFPB, pull up a copy of my credit report and you will see for yourself ( if they do n't finally do what they told you -- a government agency -- - and me what they were going to do ).

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 2017-06-03
Company: EQUIFAX, INC.
State: GA
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:
XXXX  accounts that were previosly deleted due to me being a victim of identity theft have reappeared after so me one in  Equifax decided to " consolidate '' my report to shorten it. All of these accounts were previously investigated and blocked due to identity theft. Now that they have re-appeared I have been shuttled to the consumer affairs division of Equifax where the representatives are extremely rude and not helpful towards my situation. All of my documentation is on file and these accounts should have been deleted again within 4 days and that has not occurred. It has been approximate ly 2  weeks and this is causing me an extreme hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: The Law Offices of Burr & Reid, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Burr and Reid on multiple occasions. I then had my insurance call Burr and Reid and they explained how I was covered the entire time and it is illegal to not only bill XXXX recipients but also illegal to put XXXX recipients into collections. They told my insurance company and myself they needed such proof to show I was covered. My insurance provided every document they asked for. I hand delivered all the documents they asked for in mid XXXX. They said that as soon as they received those documents that I would be taken out of collections and it would be taken off of my credit report. I have not heard from Burr and Reid since that day, and they have not taken me out of collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage on XXXX-19 from Cardinal Financial Company , Limited Partnership DBA XXXX XXXX. At the time of the application I told them I did not want to bring any cash to the closing. 

The Loan Estimate included a Lender 's Title Policy of {$360.00} but it did not include any UCC-1 Filing Fee. 

On Wednesday XXXX-19, unknown time, and Friday XXXX-19, at XXXX XXXX, I received Closing Disclosures that reflected the {$360.00} Lender 's Title Policy and no UCC-1 Filing Fee. 

On Friday XXXX-19, at XXXX XXXX, I received my 1st copy of the full closing documents but this version now includes a UCC-1 Filing Fee of {$220.00}. This {$220.00} fee was never disclosed to me in the entire 60 day loan process prior to the final closing documents. 

On Friday XXXX-19, at XXXX XXXX, I received a 4th update to the closing package that now reflected a {$540.00} Lender 's Title Policy. This {$180.00} increase was never disclosed to me in the entire 60 day loan process prior to the 4th update to the final closing documents. 

They had already scheduled the closing for XXXX XXXX on Monday XX/XX/2019. On Monday XX/XX/2019, I brought up these additional charged via e-mail and voicemail but I did not receive a response ; I called and left voicemails for 3 employees, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On Tuesday XX/XX/2019, I sent another e-mail trying to figure out why the fees went up a total of {$400.00} from the previous closing disclosure and why they didn't wait 3 days, under TRID 3 day Closing Disclosure rules, before the signing. I was told by XXXX XXXX via e-mail that they aren't required to issue a new 3 days and that they won't be doing anything about the surprise closing costs. 

Additionally, they do not have an updated mortgage payoff amount yet proceeded to close the loan and said they would just go back and adjust the numbers after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Concerning my XXXX XXXX Line of Credit ( Acct. No. XXXX. ), Experian is presently reporting ( 2 ) instances of this account on my credit file. Experian is in violation of state and federal law in doing so. I demand that Experian delete BOTH  instances of XXXX XXXX Line of Credit ( Acct. No. XXXX ), in its entirety, from my credit report. Or, delete the > 30 day late payment reported for XX/XX/XXXX. Reporting XXXX XXXX Line of Credit ( Acct. No. XXXX. ) 2 times is unnecessary and is adversely impacting my credit score. Also, reporting the XX/XX/XXXX as late is also adversely impacting my credit. Please delete both instances of XXXX XXXX Line of Credit ( Acct. No. XXXX ) from my Experian credit report immediately.

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 2019-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have twice disputed this account that appears in my credit which I am not the owner or responsible for the mentioned account. I need this to be removed as it is affecting my credit for me to continue uploading it. 

Account Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$3500.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$140.00} Credit Limit {$3200.00} Highest Balance {$3500.00} Terms NA Payment History show tooltip button Tap a month for more information Show legend XX/XX/2019 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 XX/XX/XXXX OK XX/XX/XXXX Historical Info First ReportedXX/XX/2019 Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Comment show tooltip button Account previously in dispute - investigation complete, reported by data furnisher Your Statement show tooltip button Y ITEM DISPUTED BY CONSUMER Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX. 

Balance History show tooltip button XX/XX/XXXX {$3400.00} Balance {$130.00} Scheduled Payment {$0.00} Paid on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 reached out to the company 's fraud department several times to report inaccurate information on my consumer report. According to 15USC CODE 1681C2 this is all I need to do when informing the credit reporting agencies of fraudulent accounts. XXXX, Transunion, and XXXX has VIOLATED my consumer rights by continuing to report this information. They have also broken the law, Under 15 U.S. Code 1681e ( b ) ( b ) the credit reporting agencies are supposed to report maximum accuracy on consumer reports. they are not following ensuring maximum accuracy at all. I am demanding deletion of all inaccurate accounts listed in my report as soon as the credit reporting agencies receive this notice. According to the Fact act these items shall be blocked within 4 days of receiving this notice, I, the consumer have notified XXXX, Transunion, and XXXX multiple times. I expect the items included in my identity theft report to be blocked asap or I will seek monetary damages for violating my rights as a consumer.. THIS IS A IDENITY THEFT PERSUANT TO FCRA 15 USC 1681 ( 3 ). I understand under 15 USC 1681 c 1 you have the authority to decline or rescind the information I am presenting to you was not blocked in error. The information I request is an affidavit in fact so there is no material misrepresentation of the fact this has been completed if you believe I have obtained goods and services I need a senior executive member of this company to put it on an affidavit signed under penalty and perjury notarized. I have included a copy of my id to prove my identity and act as proof of residency. I have also included a copy of my social security card for proof of my identity as well.

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 2017-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am filing this complaint against Trans Union. They are reporting fraudulent information on my credit report. I have tried to resolve this issue on several occasions via phone conversation, online dispute, and by mail. They wo n't comply with my requests. The items listed on my report are fraudulent. I am requesting that the accounts and inquires be deleted upon receipt. If this matter is n't handled in a timely response I am filing a class action lawsuit against Trans Union and reporting the agencies to the BBB.

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 2021-01-19
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Experian is stating that they verified a bankruptcy with XXXX XXXX and XXXX XXXX is stating that they never verified the bankruptcy. The bankruptcy is unverifiable and I requested it be verified r removed multiple times and they have yet to do as the law required.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 section 602 B states 2 states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: Experian Information Solutions 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 information incorrect

Complaint:
I paid off two creditors in XXXX and XX/XX/2021 but my score never moves from XXXX. Is anyone at the 3 bureaus doing anything these Pandemic days? 

On XX/XX/2021, my request for a consolidation of my U.S. Dept of Education loans ( 12 loans ) was approved. I know I need to wait until XX/XX/2021 to see any changes, but I am doubting this will change anything. My score has remained at XXXX for many, may months in spite of positive activity. 

The credit report bureaus should note this as a positive event in XXXX, 2021. If they do not, please investigate. My credit score remains at XXXX for a number of months now. I am wondering if staff at these bureaus are actually doing their job updating anything.

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 2017-06-03
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX approved for {$800.00} loan. I did not know about the  659.6368 APR unti l the money was posted to my bank account. My loan payment schedule is stretched out to XX/XX/XXXX paying over {$200.00} twice a month. THIS SHOULD BE ILLEGAL. This is the first action I 've taken so far. Please help!!!! Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had multiple credit cards at Bank of America for years. At this time, I have four credit card accounts with BofA. 

I have not been able to make payments to any of these credit cards from my XXXX XXXX checking account using the Bank of America web site. 

I have called both banks. They each say the problem is on the other bank 's side. I believe the issue is with BofA, however, since I can make payments to the BofA credit cards using the XXXX XXXX web site, but not using the BofA web site. 

This is especially inconvenient for me. I pay my credit cards in full every month. The monthly amount is variable, dependent on actual charges. I would like to setup autopay from the Bank of America side, and have the bill automatically withdrawn from my XXXX checking account. However, I'm not able to do that due to this issue. I am forced to make manual payments using the XXXX XXXX web site instead. 

In order to avoid missing a payment, I have had to set my bill preferences for all 4 BofA credit cards to paper instead of electronic, as an email bill notification is easy to miss. Paper bills are not good for the environment, and cost BofA money, as well. 

From what I have gathered, it appears that BofA has blacklisted the routing number for XXXX XXXX, which is XXXX, in their credit card online payment system. No disclosure is made of this blacklisting in any of the BofA disclosures for any of my 4 credit card accounts. I believe I should be able to pay my credit cards using any of my external accounts, including XXXX XXXX, using the Bank of America web site.

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 2017-06-03
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 'm receivin g 5-7 calls per day from Synchrony Bank concerning my Lowes c redit card. I pay them what I can but with a {$38.00} late fee, Its hard to get caught up. I told them my wife had been out of work unexpectedly for  XXXX  so we are down to  XXXX  income.  I   XXXX   XXXX   XXXX    and they call me all day 7 days per week. I ca n't talk on the phone while   XXXX   per company policy. I DO consider this amount of calls harassment. It 's ridiculous. If I do n't have the money at  XXXX , I 'm not going to have it at  XXXX . They wake me up on my one day off and I 'm to the point that I do n't care what they do. I 've had good credit my whole life but I 'm about to give up. My  Lowes  bill is not going to come before my family eating. I live pay check to pay check. I wish I could do more but I ca n't right now.    PLEASE HELP   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 monetary relief