BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: Westlake Services, LLC
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: Account status incorrect

Complaint:
I had a credit card with XXXX, when they went out of business they transferred all of their accounts ( Good standing accounts ) to XXXX. They have been a nightmare and operate in a disgusting manner with lies and fraud. My account was set up for auto pay when it was transferred I was not aware as XXXX sent a letter to my previous address. I first learned that they had the account when they dinged my credit for non payment. I disputed the charge and contacted them and found out that they took over XXXX accounts. I let them know I did not receive the transfer letter and I would pay the past due amount as I was unaware this was not being autopaid. The supervisor said they would wave the late fee 's and I would be back on track. They never waved the fee 's. Then I set up auto pay with them ... it took 2 months to kick in. So i speak to another supervisor who says ok we will wave this late fee... they never did. I spoke to supervisor after supervisor and received 100 's of harassing calls when my account should be in good standing and they are ruining my credit history with lies. They even say on my credit that I am late and have an auto loan. I reported XXXX to the XXXX XXXX XXXX and after much back and forth XXXX finally agreed to fix their mistakes. However instead of this being fixed, it continues to be reported as late on my credit report. I have not been able to refinance my home because of this and I have had my existing creditors reduce my limits because they believe I am defaulting on my obligation. I disputed the issue with the bureaus but they continued to return it to me verified. I have been hurt tremendously by this companies false reporting. I am suffering extreme XXXX  behind this fight I have endured with this company. I am now on XXXX because I dont know what else to do to fix this. They are costing me my health and my financial well-being. I am scared my other creditors will drop me because of this misreporting that this company will not fix. After they said they would fix it, they still reported me late. Please help me.I have included the letters from the 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 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
1 ) I needed a private loan while attending XXXX University ( now closed ) in XX/XX/2002. The private loan amount was for {$10000.00} through XXXX XXXX, now known as NAVIENT. My loan amount has NEVER decreased at all, ever. It has increased or stayed the same for the past XXXX years. 
2 ) My payment initially was affordable at {$65.00} a month, and overnight doubled to {$130.00} a month. After explaining it was not affordable for me, they told me I had no other options. 
3 ) I have always made my monthly payments, but when I have called throughout the years to better understand why my balance never decreases or why I am never eligible for a lower payment, I am told every excuse there is. I have also experienced very rude customer service on many occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a current mortgage with Carrington Mortgage. I have been paying additional payments monthly towards reducing the principal in addition to my monthly mortgage payment. I have received numerous calls and requests to redo my mortgage citing the additional principal payment as the motivation for these solicitations. Last month I gave in to numerous calls from an employee named XXXX @ XXXX who claimed that he could refinance the mortgage and provide me substantial savings. I agreed to let him show me the numbers and he said that to give me the information, he would need access to my credit scores. I agreed to the inquiry and received a lengthy document that I scanned to see just the numbers which did not show a substantial savings. He called after I received the papers and I told him that I did n't want to change anything about my mortgage and I did n't want to refinance. He was aggressive and pushy and I was definite about not refinancing. I received a letter several days after our conversation which was a document " Statement of Credit Denial, Termination, or Change '' described the description of Account, Transaction or Requested Credit as " Obtain residential mortgage financing '', and description of Action taken as " Application withdrawn '' .. I NEVER applied for a mortgage. I was told by a lawyer that this would reflect negatively on my credit and indeed I have copies of the credit reports which state the same. I want Carrington Mortgage to rescind the letter from any credit reporting agency. I should n't have to explain to any potential lending institution that I never took funds from this loan application, because there was never an application made. This action by Carrington Mortgage puts them in the class of XXXX XXXX who sets up accounts unbeknownst to their customers and then charges them interest. I will not be happy until I have in writing that this aggression has been reversed and that I will not have to explain away the actions of my mortgage company through no fault of my own. I never agreed to, signed nor requested mortgage refinancing. It tells me that the way I am paying off my mortgage must be in my best interest, because the company certainly does n't do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
XXXX XXXX has posted inaccurate information to my consumer report. XXXX  bank has not sent me a correct and true statement in the mail since XX/XX/2021. I want to continue to do business with XXXX  bank but this billing error has effect my credit score massively. I have not been able to apply for credit and didn't realize why until I looked at my consumer report. XXXX  bank i demand that all the inaccurate information posted on my consumer report be removed. I also demand that all late fee and charges be removed from my consumer report. This billing error is your fault and has caused me stress and made my life difficult.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX has posted inaccurate information to my consumer report. XXXX  bank has not sent me a correct and true statement in the mail since XX/XX/2021. I want to continue to do business with XXXX  bank but this billing error has effect my credit score massively. I have not been able to apply for credit and didn't realize why until I looked at my consumer report. XXXX  bank i demand that all the inaccurate information posted on my consumer report be removed. I also demand that all late fee and charges be removed from my consumer report. This billing error is your fault and has caused me stress and made my life difficult.

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 2015-03-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Chase sent me a letter saying they were closing my savings account and XXXX checking accounts. They gave me no reason and just said that either of us could terminate our relationship at any time. I suspect it was because I have had to wire funds overseas to pay for goods and services for a short term project, all of which I had contracts for. I spoke to the bank manager, who was aware of the project, and he intervened on my behalf but was unable to get any information or to get a reconsideration. A month after this I attempted to use XXXX of my credit cards and discovered they had been closed without warning. Seven to ten days later I received letters stating that the cards were closed because " an affiliate ended its banking relationship with me ''. More than a month later my business credit card account was closed. This card had reward points that I ended up losing due to expiration, a fact that was buried at the bottom of the 6th letter they sent me. I have always paid my credit cards in full every month and have done nothing illegal. I do not understand why all my accounts were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: NC
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:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of  the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this alleged debt on XX/XX/2020 by certified mail return receipt Credit Acceptance had 30 days to respond to my dispute letter and report this alleged account to the Credit Bureau 's as a disputed debt by XX/XX/XXXX, XXXX Credit Acceptance has Failed to do both. Credit Acceptance has Fail to respond to my dispute within 30 days validating this alleged debt, Credit Acceptance has failed to report this alleged debt to the Credit Bureau 's as a disputed debt ( Violation of FCRA 623 ), as of today I haven't heard from Credit Acceptance or did they mark my credit report disputed.

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 2016-12-03
Company: JPMORGAN CHASE & CO.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal XXXX credit report. The mail comes back " not deliverable as addressed- unable to forward. '' I also called the number provided, XXXX. It is for the XXXX. They must get a lot of calls for Chase Card as the first thing you hear on the XXXX outgoing message is something like " thanks for calling the XXXX. If you 're calling Chase, they published the wrong number and have n't fixed it! '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: NC
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:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2017-01-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
They stated they are a collection agency for Chase I contacted Chase and they say they handle all aspects of collections on their own. This company will not give me their name, address or anything they called me 5 times in one day. They are rude

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Continuous calling throughout the day, called my employer 's cell and work phone and continued to call after I asked not to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I bought hard drive s at Amazon, and used their 6-months no in terest payment plan financed via Synchrony Bank using my checking account.  <P/>  I made timely regular payments until Synchrony changed their website. Then my payments were deemed late, and Synchrony charged me a {$25.00} late fee for each late payment. I called Synchrony, had them rem ove the {$25.00} fee, and made the payment over the phone with my debit card.  <P/> But Synchrony continued to deem each future monthly payment late, with a {$25.00} late fee. Each time I called them, I had the {$25.00} late fee removed, and paid the payment over the phone via my debit card.  <P/> I made a detailed written record of each of my calls. Attached are my detailed notes. Please note my  XX/XX/XXXX  conversation with  XXXX  of Synchrony Bank. After she did a detailed analysis of my account and payment record, she concluded that my account information was correct, and that everything was Synchrony Banks error.  <P/> I have highlighted in yellow on my notes her statement that Synchrony Bank made the error.  <P/> After a late payment error occurred again in  XX/XX/XXXX , I made all future payments starting in  XX/XX/XXXX over the phone, via my debit card, and requested a confirmation number from Synchrony Bank for each payment.  <P/> I paid off my entire balance within the six-month, no interest period.  <P/> However, several months later, I checke d my Amazon/Synchrony Bank ac count, and noticed that Synchrony Bank had closed it.  <P/> Since I anticipate using the Amazon/Synchrony six-month no interest payment plan in the futureand having received no real help from SynchronyIm requesting CFPBs kind assistance.

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 2016-08-02
Company: Carter-Young, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Im being harrassed about a debt i did not owe to the original creditor. Ive asked them to stop contacting me and to remove the derogatory mark from my credit report they have refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/XXXX i try to open a business account, and i was turn down by the bank because, on XXXX us bank report information about a negative account activity to consumer reporting agencies ( CRA ) but i believe and have evidence to prove this information is inaccurate. and i try several times to solve this misunderstanding on the past. every time i receive a note on the mail i will call the number provide to my on the note but no one ever call me or my husband back. i went to the branch where we open the account try to speak to the manager but was turn away, at the location on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX this was a clerical error. 
i had to pay rent and i needed to make a deposit. i ask for a cashier 's check it was late in the day the lady at the front desk told me to avoid NFS she would do some tricky banking movements i dint really understand but she said this would work, several days later i was alerted by overdraft charges i file a dispute and deal with it to my understanding i close my account on XX/XX/XXXX and was told no further actions were required. 

but here i am trying to open a business account and unable to do so.

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 2016-11-04
Company: 4M Collections, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I received my paycheck today with a {$300.00} garnishment from 4M Collections, with the names Discovery Financial and XXXX XXXX attached to the order. I was NEVER contacted regarding this debt and have not had any debt for 10 years or more as I filed bankruptcy back when my children were in XXXX school. I do not have any collection agency remarks on my credit, nor have I received ANY phone calls NOR letters regarding ANY type of debt owed. I have tried MULTIPLE times to try and contact them today to get an answer to no avail. They have robbed me and are 100 % wrong in taking my hard earned money. I am a single woman who is barely making ends meet. I do NOT have the money for them to take. Also, the name that they have me listed is, and has NEVER been my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My current mortgage company - Greentree Servicing LLC has been increasing the money needed for escrow every year, but it turns out they never used the money to pay my tax bill for the last few years. In addition, the did not pay my homeowners insurance last year. I discovered this when I went to refinance with another company. I now owe, back taxes, homeowners and GreenTree Financial took all of my escrow money. I even overpay each month, yet they are requesting more money for me to buy out my loan. What happened to the money that went to escrow each year? Why did they tell me I had to pay more money for my escrow account, but they never used the money for my taxes or my homeowners.

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