BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I used my Chase sapphire reserve card and associated points to book a trip for my family a couple of weeks ago. I was forced to rebook/change my return flight and contacted the Chase travel agent to assist me with changing my booking. After approximately six hours of being on the phone, and being call dropped several times, I was told that I could get a flight the following day. XXXX  travel agent informed me that I would pay approximately {$450.00} for a new flight return for myself, my wife, and lap infant. A confirmation email was sent to me and money was taking from my credit card. The next day upon check-in, the airline agent informed me that all the booking was made a ticket was not actually issued. Given the difficulties of traveling with a baby, I was forced to buy a new return ticket the following day directly through the airline. Upon returning from my trip, I contacted Chase travel to inform them that they took money without actually giving me a ticket on a plane flight. After several hours with a supervisor, I was given a very minimal point reimbursement. This was not enough to even cover the costs accrued to book the new flight. I was told that they would investigate this again and I would get a call back. It is now three days since that conversation and I have not heard back from anyone. I fully expect a refund of the booked flight that was made that did not have an associated ticket. Additionally, I asked if there was anything that can be done about the additional night I had to stay on my trip and the cost associated with that ( hotel, taxi, food ). Chase travel company is very unreliable and difficult to get a hold of. After multiple hours on the phone with call dropped they are unable to return my calls or resolve my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-28
Company: EQUIFAX, 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:
equifax, XXXX  and XXXX  has an account on my credit report thats not mine. 
XXXX- account not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
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: Their investigation did not fix an error on your report

Complaint:
These companies are in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXr XXXXXXXXXXXXXXXX, XXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! 

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

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 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX is reporting debts on my account that I do owe. I never received any phone calls or any written notice of this debt. I found out of these collections when I checked my credit. I immediately contacting them to verify & pay the debt if it was mine with no luck. They never answer the phone. It has been very stressful and difficult to communicate with them. They are in violation of my 30 day right to dispute, and this collections need to be removed off my credit.

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 2017-03-30
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
This is a followup to my complaint against Navient filed on XX/XX/XXXX in regards to late payments on my student loan accounts. The previous case number is [ Case number : XXXX ]. Upon speaking with them on both yesterday & today, their response was that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how the lender is to handle a situation when subsequent information updates a report that was allegedly accurate in the present time ( i.e., the identical situation I am currently in. ) https : XXXX The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' Navient representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX to XXXX XXXX that any subsequently initiated deferments or forbearances would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in forbearances. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my Navient accounts that were part of the XXXX XXXX to XXXX XXXX late payments show forbearance status effective as of " XXXX XXXX. '' Also, I was on an unemployed deferment up until XXXX XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with Navient, both as they actually existed and as Navient has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the XXXX accounts showing a total of XXXX 90-180 day late payments from XXXX XXXX to XXXX XXXX be updated and/or corrected and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone used my atm card to withdraw funds without my permission. I went to the bank and requested a copy of the recording so I an see who was withdrawing the funds they said it would take 10 business days. I waited the 10 business days. and went to the bank and they clearly showed me a picture of some young women withdrawing funds from my account. It clearly was not me. They filed a claim which took 15 days. The claims department denied the claim because she had my atm pin number. I have no idea how she got it but according to them it had to be someone who spent the night at my home and must 've gotten the information when I went to sleep. My husband and I both senior citizens and that never happened and we do n't have security cameras in our little apartment so for them to make that assumption was ridiculous they are refusing to answer the claim, I asked for a copy of the picture so I can take it to the police, apparently is not company policy for them to give me a picture of the thief. I am on XXXX and have had to borrower money to meet my bills the transactions are as follows XXXX-2017for XXXX, XXXX again XXXX twice and XXXX for the third time XXXX XXXX and XXXX XXXX for the 2nd time XXXX XXXX Please see attached bank statement maybe they could give you a copy of the picture that shows the woman who stole my money was no more than XXXX years old. Please help me retrieve my funds as bank of America is being unreasonable.

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: 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 status incorrect

Complaint:
This is inaccurate because I paid as agreed by the creditor. I have disputed this item for the past two months regarding late payment status that was inaccurate. 

There was no way I could be 30 days late in XX/XX/XXXX, when I made a payment on XXXX XXXX, XXXX, nor did this account close in XX/XX/XXXX, when it previously showed this account been closed since XXXX. Also, prior credit reporting on XX/XX/XXXX, reflected I was 30 days late but on XX/XX/XXXX, your agency reported I was current in XX/XX/XXXX, supporting my request. Your agency inaccuracies are affecting my credit score rating and under FCRA statue I may be entitled to compensation for this type of damages.

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 2022-09-06
Company: Credit Karma, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit Karma made false reports saying that i was approved for credit cards and i was denied and my credit was affected

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Property was recently determined to be in a special flood zone requiring flood insurance. It is XXXX loan and according to their servicing guide the insurance requirements are as follows. 
Coverage for XXXX MortgagesThe minimum amount of flood insurance required for most first mortgages secured by one- to four-unit properties, individual PUD units, and certain individual condo units ( such as those in detached condos, townhouses, or rowhouses ) is the lowest of : 100 % of the replacement cost of the insurable value of the improvements ; the maximum insurance available from the XXXX XXXX which is currently {$250000.00} per dwelling ; or the unpaid principal balance of the mortgage. 

Additional requirements for units in attached condo projects, co-op projects, and PUDs are detailed in Requirements for Project Developments below. 

For a HomeStyle Renovation Mortgage, the flood insurance coverage should be in an amount equal to the " as is '' value of the property. This coverage must be increased, if necessary, following completion of the renovation work to ensure that the coverage meets XXXX standard coverage requirements. 

The property is neither a condo or PUD. My mortgage servicer, CitiMortgage, is requiring flood insurance per Citi 's guideline which is 80 % replacement of value and as a result which costs nearly XXXX times as much as the insurance required by XXXX. Have called Citi several times to resolve but they insist on charging the higher amount. 
Payment is jumping nearly {$200.00} a month for this extra insurance. I thought there are controls in place to prevent this kind of payment shock.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am receiving emails and phone calls from GM Financial saying I am 4 months behind on my payments. I have not received a single letter in the mail by USPS about these late payments. I replied back to one of these emails saying I have cleared checks for the said non payment months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: AR
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:
Earlier this year I checked my credit report after applying for a new vehicle. Upon reviewing a copy of it I noticed lots of accounts reporting that were never mine or established without my knowledge or consent. I immediately reached out to my local police department who advised me to complete an identity theft report. I since completed the report and sent a copy along with a copy of my drivers license, utility bill, and social security card. I was sure to include to the specific accounts with my identity theft report which were 1.XXXX XXXX # XXXX, 2. XXXX # XXXX, 3XXXX XXXX # XXXX, 4. XXXX  XXXX XXXX  # XXXX, 5. XXXX XXXX # XXXX, 6. XXXX # XXXX. It has been well beyond 30 days and Experian has not provided any accurate or any verification at all. Under the Fair Credit Reporting Act these accounts must be removed from credit file under sections 609 and 611. In  addition Experian failed to block these accounts within 4 days of being notified that they were from the direct result of identity theft fraud. Experian has also failed to update my personal information as requested which included fraudulent addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This is totally unacceptable and Experian should be held accountable for violating the Fair Credit Reporting Act.

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 2022-09-01
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX. ) XXXX Balance : {$90.00} XXXX XXXX XXXX : {$90.00} XXXX XXXX XXXX : {$8500.00}

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 2017-01-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2016, we received a check from Wells Fargo Home Mortgage in the amount of {$24.00} with a letter containing the following statement : " During a recent review of a transaction that paid off your refinanced mortgage account, we determined that you were charged excess interest. Please accept our apologies and now that we are reminding the amount due to you. '' This was from a refinance we did almost FOUR years ago. We consider this very sloppy business practices regardless of the amount. We also have zero confidence that this amount refunded is accurate. Is it acceptable for Wells Fargo to take almost four years to return over charged fees? How can we be assured that the refund was accurate? Yet another instance of Wells Fargo abuse of consumer trust. 
Thank you for any help or information you can provide. 
XXXX, XXXX, Arizona

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 2022-08-17
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:
got an alert from XXXX stating that a company used my social security to take a loan out. I have not asked or go to any loan company to ask for a loan i believe the TransUnion pulled the inquiry from a company call XXXX  we been trying to resolve this issue since 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 explanation
Consumer complaint received 2022-09-01
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/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 2016-02-04
Company: Finance of America Mortgage LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I negotiated the purchase of a new home for {$430000.00}. I submitted the original purchase contract, stating a purchase price of {$370000.00}, as well as all amendments to my lender as requested with the final agreed upon purchase price of {$430000.00}. The appraisal was ordered on XXXX XXXX, 2016 and performed on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received the appraisal directly from the vendor electronically referencing a Contract Price of {$370000.00} and an appraised value of {$410000.00}. Unfortunately for me, the Contract Price was actually {$430000.00}. The appraisal even stated that the property appeared to be selling at a discount due to 'pressure to sell '. The appraiser used XXXX relocation properties and XXXX foreclosure for comparable. The appraiser appeared to be 'trying ' to get the appraised value lower and closer to the Contract Price based on several factors. 
I informed my lender at the time of the error and they contacted the appraisal vendor. I did not hear anything for a few days and eventually received a 'corrected ' appraisal reflecting the correct Contract Price of {$430000.00} but still stating an appraised value of {$410000.00}. The 'corrected ' appraisal also detailed in the addendum that they WERE NOT provided the amendments to the original contract price until XXXX XXXX, 2016 and that was the reason the {$430000.00} Contract Price was not utilized for the appraisal. As well, it was noted that the appraised value could not be changed. 
The lender was negligent by not performing the industry standard expectation of presenting the appraiser with ALL of the contract paperwork including all contract amendments. Ultimately, this appraisal could not be used for the purchase of my home due to the negligence of the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Shellpoint Partners, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage with SHELLPOINT MORTGAGE has been in forbearance since 2020 and they were supposed to send me a new forebearance letter every 90 days to show the account is sill in forebearance and is not supposed to report the account as late while in this status. Shellpoint has failed repeatedly to provided the forebearance letter and has continued report the account late to the credit bureaus and has ruined my credit rating. There was to be a single point of contact and everyone keeps passing the buck. Shellpoint has acknowledged that they made the mistake of reporting the account late, but they have yet to correct my credit report and has only provided a single letter of forbearance for a 90 day period. Shellpoint continues to push this on a back burner and it has continued to ruin my credit. I am pleading for help in this matter to restore my credit rating and remove all the late marks they put on there. This has been going on way too long and they are dragging their feet. tHEY HAVE YET TO PROVIDE ALL THE OTHER LETTER NEEDED TO PROVE THE ACCOUNTS WERE INDEED IN FOREBEARANCE ON BOTH MORTGAGES AND WERE NOT TO BE REPORTED AS LATE. I HAVE ATTACHED TO ONLY LETTER THEY EVER SENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation