BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: PA
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 received forbearance on my student loans through XXXX, but they refuse to update their reporting to indicate such. As per Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act and the FTC 's published opinion of that section, they are obligated to update that information. Forbearance acknowledges that no payments were due for that time period, and as per the FCRA and the FTC 's opinion on it's interpretation, XXXX must reflect that status with its reporting of me. I have received forbearance for the period of XXXX XX/XX/2019 as well as XX/XX/2019 through the current date, and have letters and documentation from XXXX indicating such. Despite trying to work with XXXX  multiple times, they have not admitted this obligation due to me as a creditor and refused to accurately report these accounts. This is preventing me from finding housing and unfairly adversely affecting my life.

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 2021-11-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the month of XXXX in the year 2017 a balance of XXXX was reported as delinquent to all the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of year 2017 a delinquent balance of XXXX was reported to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After leaving school in 2005 and entering repayment of loans ( both federal and private ) I contacted Navient regarding payment options as the original monthly payment was too high for my current income. Every time since 2005 that I 've contacted them the only option they 've given is forbearance or deferment. They claim that I 'm not eligible for any income based plan to make payments more manageable. Because of this the amount owed has ballooned from {$130000.00} to {$210000.00} with a monthly payment requested of {$1800.00}. My co-signer a couple years ago did set up a payment plan that suddenly they were able to lower the monthly payment to {$480.00} ( after they would not do so for me ). She was told this was for " all loans that Navient currently handled '' which would have included federal, consolidated and private loans. After paying for a year they called to say they would be increasing the payment amount to {$690.00}, a huge jump, which she warned that she could n't afford to pay. Three months after the increase, as she warned, she could no longer make payments. After a year or more of payments from the co-signer the loan amount INCREASED from {$200000.00} to the current {$210000.00}. After I asked them why they said the payment plan was for private loans only. So they had lied and intentionally mislead both myself and the co-signer about " all loans handled by Navient ''. As it stands now my income is {$1600.00} net pay, the monthly payment is {$1800.00} and they are refusing to lower payments or make arrangements. After all honest attempts to begin steady payments on the loan it has reached a point where it is IMPOSSIBLE to repay for either myself or co-signer. Furthermore, we learned from another Navient agent that quote, " the last XXXX applications for loans while in school should have been denied based on our income situation. '' That means XXXX XXXX and then Navient KNOWINGLY approved loans that should have been denied based on income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also 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 2015-12-20
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted Quicken Loans for refinancing my mortgage and rolling in a HELOC. I informed them that I had foreclosures in my credit history and they told me that because the properties that were the subject of the foreclosures were not dwellings ( they were undeveloped lots ) Quicken did n't consider them to be foreclosures. While I did not understand why they said this it was obviously beneficial to me so I was pleased. I submitted an application for a conventional mortgage. At some point during the process I was informed that because of the foreclosures I would no longer qualify for a conventional mortgage. I had to change my application to FHA which calls for PMI. At closing I paid approximately {$3400.00} for PMI and am now paying approximately {$130.00} per month for PMI. Over the life of the mortgage, 30 years, this will cost me approximately {$51000.00}. There are many emails between Quicken reps and me that substantiate my claim. I also wrote a letter to XXXX XXXX, President and CEO of Quicken, but that only produced a phone call from XXXX of their reps explaining that they would n't do anything this issue. Quicken has never denied my version of this incident. They offered me a {$500.00} discount on closing costs of a refinance in 4 years if I want to refinance my current FHA mortgage for a conventional. This is a joke. I have much more detail on this matter available, including the letter I sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: COOLEY ENTERPRISES INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I attempted to purchase a XX/XX/XXXX XXXX from XXXX of XXXX in XXXX, TX. I completed the underwriting process on XX/XX/XXXX at a different XXXX dealership ( XXXX ) but was unable to complete the transaction as there was not a vehicle at the dealership that I was interested in purchasing. I was able to locate a vehicle at the XXXX location on XX/XX/2016. I was told that it was mandatory that I purchase a XXXX warranty contract with the vehicle by the dealership, however, I was told by the underwriting department for XXXX at XXXX that all warranties are optional. I recited the information to the dealership XXXX and was told that it was not an option and that the service contract would have to be signed adding an additional {$1900.00} to the amount financed over the 4 year term of the loan. On XX/XX/2016, I returned to the dealership and further reiterated that I had been told that the service contract was optional and was told " That 's just the way XXXX does it. It 's not optional for your " type '' of loan ''. When presented with the paperwork for the vehicle, I was presented the service contract. To the left of the signature line, there is a " Notice to Customer '' with at bullet point under it that states : " The purchase of this service contract is not required to obtain financing or to purchase or lease this vehicle. '' By XXXX on XX/XX/2016 the dealership and I were at an impasse because I was being told in essence that if I wanted to purchase a car from them, I would have to purchase the warranty and they would not take it out of the contract regardless of that the document states in writing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-06-10
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have never been late on making a mortgage payment and have never partially made a payment. I have a great credit score and always pay my bills on time. On XXXX XXXX, 2016. I received an email from Quicken Loans telling me that they did an updated escrow analysis and that my monthly mortgage payment will be increasing. I called Quicken to find out what the new payment was and Quicken was now asking me to pay {$7000.00} starting XXXX XXXX, 2016. However, my prior payments were only {$3800.00}. Quicken notified me that I have a deficit in my escrow account of {$22000.00} and that they want a payment of {$7000.00} for 12 months and that once the 12 months are up, My payment will be {$5100.00}. There is no way that I can make these increased payments when they happened so abruptly. It is not my fault that there is such a large deficit in the escrow account because I made my payments in full every month. Now I am blind sided with this situation and will end up losing my home. It is not fair that they are just able to increase my payment so drastically. I did not cause this situation. Quicken loans should have accurately calculated the mortgage payment prior to there being a deficit of {$22000.00}. There is no way that anyone could comfortably make this type of payment so abruptly and suddenly. I have no way of paying off this amount and now I am faced with being homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to get PMI insurance removed form my mortgage company XXXX Freedom Mortgage XXXX since XXXX XXXX, XXXX! 
Today is XX/XX/XXXX. 

According to Freedom Mortgage, you must email their general mailbox at XXXX. 
( I have all the emails and messages I send to them, using their own website ) This mailbox and process is worthless. 
Calling them is a waste of time as you can not get anyone on the phone. 
When you do wait over an hour for someone to pick up, they can't help you. 

This is beyond ridiculous. I was even trying to get them to refinance my loan, which they haven't contacted me about that either. 

My home is appraised at $ XXXX. I owe $ XXXX. 

Someone. Please help me. I don't know what to do. 
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 explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$5800.00} XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} Equifax : XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Balance XXXX {$170.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Paypal Holdings, Inc
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Bought hair from " XXXX '' on XXXX, THROUGH PAYPAL. Claimed the hair did not shed, did not tangle, the hair shedded as soon as I touched it. I went to go wash it and the water was so dirty brown. Mind you I did not wear the hair at all I was trying to fix it. I contacted the seller and she said I have to return it back the way I got it to get a refund. That does not make sense cause how would I know the hair was bad if I didnt atleast try and wear it once. EVERYTHING they claim on their site is fake about the hair and even the reviews. I want my money back. OPENED a dispute on paypal and theyre saying i have to send it back how i got it to get full refund..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
From XXXX I had a AAA Financial XXXX Card issued by Bank of America. In XXXX XXXX, I called to notify them I wanted to close the account and was told the account balance was {$3900.00}. I made a payment in that amount and considered the account closed. After sending the {$3900.00} payment, a late fee of {$35.00} and {$9.00} of interest was charged to that account. At some point thereafter, Bank of America put my account into charge-off status and put negative information on my credit report. I did not realize that until XXXX of XXXX and called to complain/request that be cleared up and corrected. I was told over the phone that it was an error and could be cleared up. I thought the matter was settled. Nope. I received a letter stating that i owed them the now {$56.00} and to pay it. Disgusted with the situation I ignored the issue. XXXX I noticed my credit report showing derogatory language concerning this account as BAD DEBT BAD DEBT BAD DEBT. I called in to B of A to complain and ask that this issue be removed and corrected. On XXXX/XXXX/XXXX I spoke to XXXX XXXX XXXX who said he could see the issue and how it came to be. He spoke to his supervisor and after that consult I was told that the fees/charges would be waived and the chargeoff be removed from my credit report. 1 week later I received another letter stating that I owed them {$56.00} and to pay it. On XXXX/XXXX/XXXX I spent 2 hours disputing this charge, and discussing my continued hassle and frustration with this issue. I was told once again that this was a valid charge and needed payment. Disgusted and angry, I paid the {$56.00} and informed them I would be closing all my other accounts with bank of america and refinancing a home mortgage they hold. 

Thanks for listening thus far. It is very frustration to deal with an entity like BofA and have them smear my credit report through no fault of mine. I have about XXXX accounts in good standing on my credit report, this was the only negative entry and was over {$56.00}. Bank of america has my phone number, then and now, I 've had the same number last 9 years and not 1 phone call to me on their part. I did over {$87000.00} in business with them last year alone. I refuse to accept being treated this way by any financial institution. 

I am attempting to dispute this issue with the XXXX credit reporting agencies. Please let me know if there is anything you or I can do furthermore to counter this situation and repair the tarnishing of my credit report. 

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 explanation
Consumer complaint received 2020-04-14
Company: AES/PHEAA
State: SC
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:
Recently, all of my remaining student loans went into FORBEARANCE, which I did NOT request. I am totally aware this is due to the current COVID-19 situation, and I appreciate that this is helping those who are struggling ; however, I am actually quite fortunate right now *knocks on wood* and would much rather continue to pay. 

The 0 % interest rate is great though ; I am certainly not complaining about that. 

I contacted MyFedLoan, and they said they would fix it, but that has not happened. 

1. I certainly do NOT want FORBEARANCE mentioned on any of my credit reports ; being my FICO score is 830+, it would make me look risky as if I could not afford my {$200.00} ish payment, which is not a problem for me whatsoever. 

2. The loans without forbearance with regular on-time payments are scheduled to be paid in-full by me at or about the end of XXXX, and with FORBEARANCE this will either extend them into XXXX or make a lump-sum due neither of which I really desire. 

Background information : I am nine ( 9 ) years into re-payment having never been late and never missed a payment. I actually have enough to pay all 5 of the loans off in-full, but I would rather keep paying as I was paying before COVID-19.

I DO want to keep the 0 % though.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : Experian : 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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The items listed below are still reporting on my Credit Reports and needs to be deleted immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX,XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$170.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
Company: DISCOVER BANK
State: WI
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:
My credit score is lower then should be due to " too many inquiries '' per XXXX XXXX : I see that Discover financial inquired on my credit report on XXXX XXXX, 2019 : this inquiry is improper as no reason to inquire. 

I request to investigate and remove that inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
this is the fourth complaint about this company they sent us a letter stating they sent our information to wrong adress now they want us to get identity theft protection it is bad enough they are runing our credit now our safety. something must be done to protect us from all these fraudulent things they are doing i am trying to get a lawyer to help us. this is consumer protection please help us stop all the harm that is being done to us we are senior

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NE
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:
I have a collection from Fair collections and outsourcing for {$4500.00} opened XX/XX/2015. I have never received a notice of this debt in letter form, I have not been contacted by the collection agency. I have attempted to dispute this debt through XXXX XXXX and XXXX, within 24 hours of starting the dispute it is returned as valid. This is preventing me from being approved for a home loan and is extremely irritating.

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