BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pursuant to 15 USC 1692. ( a ) ( e ) and 15 USC 1692a. ( 4 ) Account Resolution Services is in violation of the following, but NOT limited to : 15 USC 1692b. ( 2 ) ; 15 USC 1692b. ( 5 ) ; 15 USC 1692c. ( a ) Account Resolution Services has been notified of these above mentioned violations and more via certified mail.

They are attempting to collect a debt that is not theirs to collect, and a debt that is not owed by law, because I am, the consumer, and the creditor. Therefore any additional attempts to collect on this alleged debt is now considered fraud.

If ARS doesn't comply with federal law they will be held accountable for willful non compliance as stated in my address certified mail correspondence.

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 2021-06-23
Company: ALLY FINANCIAL INC.
State: CA
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:
During the pandemic it seems that my credit was ran to try to obtain a car. I do not have any open accounts for a car in the last year. I have been calling to get the inquires removed as this is a reflection on my three major consumer reports. Also the information does not match across all three reports and due to that information alone the inquires must be removed.

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 2021-06-23
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage account with Mr. Cooper. This is the 5th time I am complaining to CFPB about the same issue : 1. First, Mr. Cooper took away my online amortization schedule from my account.

2. Then I need to request and wait for days/weeks to get the wrong one.

Today I chatted with XXXX  who is shamelessly telling me to call Escalations. When i called escalations, the agent doesn't understand anything. Agent 's supervisor ( XXXX  ) is not capable enough and she is stating that this is a recast. I explained to her and corrected her.

Very inefficient company and very poor quality of work. Two of the employees of Mr Cooper live in my neighborhood. Since the pandemic, they are not doing any work. Both on H-1B visa. Mr. Cooper hires bad quality and cheap resources which impacts customers adversely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX, I sent a letter to the credit bureaus requesting for them to remove all charge off accounts due to inaccurate, unverifiable information. On XXXX XXXX I received a letter stating that these accounts were verified. However, I sent a method of verification on XXXX XXXX  and received a response that did not indicate their procedural of method of verification. I also demand that they update all accounts to paying as agreed. Due to the fact that these accounts were removed and updated they violate FCRA, they are in violation of the law. 

These violations include but are not limited to : 15 USC 8 15 USC 1605 15 USC 1692 I am very frustrated because these accounts that should have been remove are impacting my life. My credit score has dropped, and I am denied of my rights.

Company response to consumer: In progress
Consumer complaint received 2022-02-27
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I bought a Vanilla prepaid visa card on XX/XX/2022 at XXXXXXXX XXXX and I put {$350.00} on it and on XX/XX/2022 I wasted {$1.00} at XXXX to make sure it works. On XX/XX/2022 at XXXXXXXX XXXX I wasted {$42.00} at XXXXXXXX XXXX. The same day at XXXXXXXX XXXX I wasted {$44.00} at XXXX. I wasted the same day at XXXX XXXX at XXXX XXXX {$25.00}. Then later that day I made a purchase of {$63.00} on XXXX at XXXXXXXX XXXX but was only charged {$45.00} on the transaction. I then checked how much I had on the card and it said {$190.00} and later that night at XXXX XXXX I was told the card only had XXXX cents. How is that possible? I called and they said that XXXX had charged me XXXX dollars but I checked my XXXX account and that was not true so I called again and now they said it was XXXX XXXX that was charging me 9 times for {$10.00} in XXXX XXXX and 2 times with {$50.00} with XXXX XXXX. I don't even use XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit 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 applied for a credit card from Navy Federal and I informed the representative that I wanted cash back rewards but I received the platinum not know that it was not a rewards card. I called after noticing no rewards and inquired into why. A supervisor asked why I did not inform them immediately, I told her I didn't know the difference. She made it like it was my fault. On XX/XX/2023 She called me a lied saying that a new card was going to sent out within 10 days, after not receiving a card I called back an was told that the request was denied by the back office and I can apply again after a year. If I made a mistake and harm the credit they want me to make it right but since they are wrong I have to suffer

Company response to consumer: In progress
Consumer complaint received 2021-06-23
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Daily, I receive so many annoying " Scam '' cell phone calls, I do NOT answer any of them. I only answer numbers that appear with a Name that I know. I check my Voice Mail every 2-3 days. A few months ago, a voice message was left from a " Synchrony Bank '' located in XXXX that my PayPal Master Card minimum monthly payment of {$160.00} is Past Due. So the next time that number called - which begins at XXXX XXXX  every day and goes to midnight, I answered - and after getting past the Robot to whom I REFUSED to give my Social Security Number so it could look up my account - I spoke to a woman. I said, " Where did you get my Name, Address and Phone Number? I do NOT have a PayPal Master Card. My PayPal account was hacked in XXXX and PayPalAlertTeam closed my account - and made sure my bank account was secured so these PayPal scams would end - and they DID at my bank. So, where did You people come from? I have never heard of a Synchrony Bank - sounds like a scam. '' This woman sent me to her manager - and when she said, " Is this Ms XXXX XXXX? '' and I answered MAD : " Yes, IT IS! '' she hung up on me. I continue to get 3-5 robot calls a day. On XX/XX/XXXX, I got such a FAKE Past Due letter, it was ridiculous : cheap paper, NO address, NO email, only a phone number to call to settle the Past Due. I XXXX  Synchrony Bank and their " clever and length '' NON- '' brick & mortar '' bank is laughable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I maintain my checking account at Chase Bank in New York. On XX/XX/2022 I mailed a check from my account to XXXX XXXX XXXX XXXX for {$2300.00}. That check was intercepted in the mail and never received by the intended recipient. I discovered the issue in XX/XX/2022 when I saw that the check wasn't deposited against the balance I owed. I then checked my account online and observed that the check was endorsed by a person named " XXXX XXXX '' and remote deposited in an account at XXXX Bank in Delaware. I immediately informed my Bank, Chase, and filed a local police report here in XXXX XXXX, New York. I completed a form for Chase called a " Declaration of Unauthorized Endorsement or Altered Item '' report and I was assigned a claim reference number ( XXXX XXXX ). I was then informed by Chase that they needed to submit a claim with XXXX XXXX  and that XXXX XXXX  would investigate and then pay the funds back to Chase which would then credit my account. I provided a copy of the check that has the account number of the account the funds were remoted deposited in. Over the last 6 months I continuously communicated with Chase regarding the status of my claim and was told each time that they were awaiting a response from XXXX XXXX. Finally, this week I was told by Chase that XXXX XXXX  denied the claim without any explanation. I also called the XXXX  Police Department since XXXX XXXX  is headquartered there and they told me it wasn't in their jurisdiction but that they have received numerous similar calls. I also saw online that XXXX XXXX  acknowledged that they had a major issue with fraudulent accounts and for a period of time they suspended issuing new accounts. Chase advised me they have no responsibility to me and that it was XXXX XXXX  's issue. This leaves me with no recourse since XXXX XXXX  inexplicably and without justification is denying the claim. This situation is egregious. Either Chase or XXXX XXXX  needs to accept responsibility and reimburse me. I am not providing account numbers in this complaint for security purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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:
I have disputed the following accounts on multiple occasions however they are still reporting them incorrectly. 

XXXX XXXX is only reporting on my XXXX with an inaccurate date opened, no date last verified although I've disputed this account for almost a year and most recently being 1 month ago. 

XXXX XXXX  card is only reporting on my XXXX with no date last verified and the last date reported XX/XX/XXXX. This is an account I'm actively disputing but they return " updated and verified ''. My last payment date is showing XX/XX/XXXX which is inaccurate and they have not sent me verification. 

XXXX XXXX XXXXXXXX is showing inaccuracies on the 30 days late, 60 days late and 90 days late. How is this account showing 90 days late 24 times consecutive? 

The following accounts have all been transferred to a student loan fresh start and should not be showing delinquent or derogatory on any of my reports. The USDEPTOFED are also duplicates and need to be removed immediately. 

DP OF EDUC XXXX- This account is part of Fresh Start with US Department of Education USDEPTOFED XXXX- This account is a duplicate USDEPTOFED XXXX- This account is a duplicate USDEPTOFED XXXX- This account is a duplicate DEPTEDXXXX  XXXX - This account is showing as a duplicate and is part of the fresh start program with the US DEPT of ED. 

XXXX XXXX XXXX XXXX this account is showing on two bureaus with mismatch information such as " date reported '', " creditor remarks are also inaccurate '', last payment is also a huge inaccuracy showing XX/XX/XXXX on XXXX and XX/XX/XXXX. The date of last activity on this account also do NOT match. 

XXXX XXXX- this account was a bogus debt from XXXX ( XXXX ) they credited my account and my balance to XXXX. This should be removed IMMEDIATELY XXXX - This account was recalled by comcast and no longer was reported by XXXX however the bureaus refuse to remove it after multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Amsher Collection Services, Inc.
State: AL
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 have sent debt validation letters to the following companies : Amsher Compassionate Collections ( XX/XX/2021 ), XXXX XXXX XXXX, LLC ( XX/XX/2021 ), XXXX XXXX XXXX XXXX XX/XX/2021 ), and XXXX XXXX XXXX ( XX/XX/2021 ). 

AmSher : Has not provided proper validation of the debt owing to me XXXX : has not responded XXXX : has not responded Merchants : sent a letter showing a {$0.00} balance with them All the above have been given 30 days to send me validations of these debts with my signature via certified mail. They have reported these debts to the credit bureaus without the validation of the debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: SYNCHRONY FINANCIAL
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX while using our Bill Pay account with XXXX  XXXX XXXX, we inadvertently sent our mortgage payment of {$4400.00} to an outdated account we had at XXXX XXXX. I immediately realized the error and called Bill Pay at XXXX  XXXX XXXX. The representative informed me that once the button was clicked on the XXXX  XXXX XXXX website they could not cancel or refund the payment even though they could plainly see the error in their system since we had been paying our mortgage payment of {$4400.00} for years on their system. They advised me that I would have to wait several days until the transaction settled. I called back on XX/XX/XXXX and XXXX  XXXX XXXX informed that XXXX was closed for the XXXX XXXX weekend. They advised I call back in XXXX. I did so on XX/XX/XXXX. It turns out that XXXX had apparently declared bankruptcy in XX/XX/XXXX and that all payments were directed to Synchrony Bank. I then spoke to several employees at Synchrony Bank after spending a total 4-5 hrs on the phone with multiple disconnects and wait times ( I believe this was an intentional strategy on their part to discourage me from pursuing the matter ) I was able to speak with a supervisor named XXXX who ostensibly located the deposit after I provided all pertinent information regarding our old account number with XXXX as well as a wealth of personal information. I was assured refund would be received by XX/XX/XXXX. When no refund was received I called back Bill Pay at XXXX  XXXX XXXX as well Synchrony Bank. It was essentially starting all over with Synchrony Bank as they denied an prior knowledge or records despite their constant reminder we were on a recorded line.Someone there named XXXX advised me to wait several more days as " the check was in the mail '' despite not giving me and confirmation number or email with a contact person. After waiting and additional week no check arrived, once again I contacted both XXXX  XXXX XXXX and spoke to XXXX and XXXX at Synchrony Bank who who were unableto provide any additional information. Synchrony Bank continues to hold my {$4400.00} which they are aware is not their money and is not willing to refund what was a mistake of simply pressing the wrong button. As a consequence of this we have fallen behind on our mortgage payment.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: ALLY FINANCIAL INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit report and noticed that there is incorrect information reported. I request that this information be removed immediately. I am in the process buying a home and need all inaccurate information removed.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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, along with the Privacy Act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of information under 15 U.S.C. 1681b, 15 U.S.C. 1681, and 15 U.S.C. 1681s-2. 

Account Names & Numbers : XXXX  XXXX XXXX XXXX XXXX XXXX  Inquiries & Dates : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing TransUnion Credit Reporting Agency to publicly report my personal and financial information per 15 U.S.C. 1681b nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681 and 15 U.S.C. 1681s-2. This is an infringement upon my identity, privacy, protection, and rights.

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

15 U.S.C. 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-06-23
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently check my credit report and noticed unauthorize inquires. I reached out to the company via letter and telephone calls. My letters were never responded back to, and phones call left me feeling like there was no hope in clearing up this error. These inquires are greatly affecting my credit score negatively and emotionally leaving I am battling anxiety due to this issue. It has been well over 30 days with no resolution and I'm beginning to feel as if big business can mistreat the ever day consumer with out repercussion.

Company response to consumer: Closed with explanation