BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened an account with Synchrony Bank for a Amazon Prime Store Card. I received the card and I for most of my account history have made my payments on time. This bank has a rewards program and from day one my rewards were never disbursed especially since all of my purchases were with Amazon. I also noticed that my balances after I made a payment would display in a negative status. I have called them on several occasions and they would tell me that their system has issues and to be patient it will clear up in a couple of days. My bank did not honor 2 payments to Synchrony, however on the 3rd payment it was honored. Once I found out, I immediately called Synchrony and explained what happened and setup payment right away. So now my card has been closed based on these two incidents and I did not receive a letter, I found out from a credit report alert that my score was decreased substantially. Then I called Synchrony and asked how to send payment to them, they said I could call in with my info or mail a check. I asked that I regain account access to pay the account off because I needed to make sure that they would not send my account to collection. It took 3 phone calls to get my account corrected. I have logged in and scheduled payment. I feel that I was not given any opportunity to make things right, the two incidents that occurred were unfortunate mishaps beyond my control and I made my best effort in resolving. All the payments I have made to this account were always above the minimal amount due, way about by hundreds of dollars. I know that my account was not serviced correctly and I did not receive the proper update for payments made nor did I receive the rewards that I was entitled to as a regular user of Amazon.

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 2023-05-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I went to bmo bank downtown XXXX and they were mean and rude and them plus the security told me to leave. I had a copy of my birth certificate and social secuirty card and the manager and her workers told me that they won't cash my check or give me an account. They said that I have to do it myself and to stop being homeless and get a job, they just were very mean.

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 2023-05-30
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2023, I contacted my mortgage company because I had several life events making it impossible to make my payment. ( I was a victim of a XXXX XXXX XXXX and spent 5 days in XXXX  with medical bills exceeding $ XXXX. I am a designated XXXX XXXX victim as this XXXX  is being XXXX  by the FDA. Prior to that, my husband moved out/we separated and then he lost his job ) During that call in XX/XX/2023, PHH Mortgage stated my account was in excellent standing and I could defer 3 months payments ( XXXX, XXXX, XXXX ) and then defer that unpaid amount until the end of the loan or until I sold the house. I asked multiple times if there was a penalty and confirmed that when I resumed payments I would not owe for these 3 payments all at once. The PHH representative assured me the amount would be deferred until the end of the loan. She stated PHH would suspend XXXX withdrawals and then I would just need to call in at the beginning of XX/XX/2023 to get XXXX set up again. PHH THEN SUSPENDED XXXX PAYMENTS. 

When I called PHH at the beginning of XXXX, I was told my account was in default and they could not set up XXXX. They would also not accept my regular loan payment amount and said I had to pay $ XXXX. Which of course I didnt have. 

Since then, I have called PHH more than 10 times asking for a supervisor regarding the original XXXX agreement. No one ever calls me back. I have been promised on 3 occasions that my issue has been escalated and a supervisor will call back within 24 to 48 hours. I have not received a single call back. 

Then, PHH sent me a notice advising they would modify my loan if I agreed to do so by XX/XX/2023. But the agreement doesnt include the amount of the new loan, doesnt outline the fees, doesnt have an amortization schedule and doesnt state whether or not there is a penalty for paying off early. I have called multiple times asking for this information. No one can provide it. I have emailed the relationship manager but have not received a response. I called and scheduled a meeting with the relationship manager. Her earliest availability is XX/XX/2023, which of course is after this offer expires. 

I called 3 times today because today is the deadline and no one called me back as promised. My calls go through but then the outgoing message states PHH is experiencing high call volume and the call disconnects on me. 

I need assistance because I am getting no where with this company and am terrified I am going to lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed my bank accounts in XX/XX/2019. The problem is that all of my online account access has been cut off. I have credit cards and a car lease that I need to manage online and chase has blocked ALL online accounts, not just the bank accounts. This is a HUGE problem now because I can not access my accounts! I dont care about the closed bank accounts, I just need to access my credit cards and car lease accounts online! When I called chase on XX/XX/XXXX, all I was told was account access is restricted and that they could do absolutely nothing to help me access my various other accounts online. When I asked what I am supposed to do now to manage those accounts, the response was sorry I can not give you that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Trying to acquire VA home loan and upon checking my credit a student loan that I had received 30 years ago that was supposed to be wiped off my credit report because I am a XXXX XXXX XXXX Veteran is showing up on my credit report and creditor stating it is lowering my score and interfering with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts Names and account Numbers are as follows : 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 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 ALSON STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing ay of the following items of information, Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 9 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer-reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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:
The Following accounts where XXXX  deleted XXXX dba accounts number XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts where previously deleted in XXXX XXXX then after 4 months I received a letter from equifax stating the all previously deleted where back on my credit report .. equifax also violated my rights under 15.U.S.C. 1681 section 604 A section 2 The Law clearly states a consumer reporting agency can not furnish an account without my written instructions. they also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( e ) : The cleary states the credit bureus have 5 days to notify me from when they receives my disputes. they also violated my rights under 15 U.S.C. 1681 section 611 ( 5 ) ( a ) ( l ) ( i ) the law cleary states if items are are found inaccurate or can not be verified the consumer reporting shell promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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:
fcra violations : ( XXXX ) XXXX wrong names and accounts not mine : XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: NC
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:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX Balance : {$0.00}, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$770.00}

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 explanation
Consumer complaint received 2023-04-21
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I made a payment by check of {$97.00}. I enclosed a copy of the payment. 
Original creditor : XXXX XXXX owner : LVNV Funding LLC The tradeline reported by : Resurgent Capital Services Can you please remove this potentially negative item off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-02-08
Company: Experian Information Solutions Inc.
State: NV
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$2600.00} ; XXXX CARD XXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX CARD XXXX Balance : {$5300.00}.

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 explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: MD
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:
In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  , DC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX Balance Owed : {$140.00} ; XXXX/XXXX  XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, DC XXXX ; XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$390.00} ; Medical XXXX Balance Owed : {$47.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXXL XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXY XX/XX/XXXX ; XXXX XX/XX/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 2023-05-04
Company: Block, Inc.
State: KY
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: Overcharged for something you did purchase with the card

Complaint:
I was informed by Cashapp on XX/XX/2023, that a transaction I completed in XXXX was not debited from my account. However, I've never heard this. My account has been funded numerous times since, and without notice they simply removed money from my account. Here 's their account. We can confirm that an impacted transaction due to the error occurring between XX/XX/2023 and XX/XX/2023 has been resolved and your account has been adjusted to reflect the correct balance. The funds deducted from your account were the funds you previously used to make a payment with the merchant, but which were then incorrectly returned to your account due to a technical error. 

They provided no proof and simply sent this response. I am too poor for them to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so.Please investigate my disputes.please.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Experian Information Solutions Inc.
State: OK
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:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 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 2023-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX. 
I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA N.A.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 is inaccurate because [ I have never owed XXXX XXXX XXXX XXXX nor have I ever entered any legally binding contracts with them, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 
I am requesting that [ XXXX XXXX XXXX, XXXX ] have the item removed immediately. 
Enclosed are copies of [ my credit report ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: MiraMed Revenue Group LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My HIPPA rights have been violated and I have not received any documentation from this agency regarding this account from Miramed Revenue Group. They are reporting on my credit report a balance of {$110.00} and due to Covid-19 I can not afford to pay this bill or any others that I am not aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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: Account information incorrect

Complaint:
TransUnion is currently reporting inaccurate information on my credit file. this is a violation in pursuant to FCRA USC 1681 ( 5 ) ( i ) .TREATMENT OF INACCURATE OR UNVERIVIABLE INFORMATION ( A ) IN GENERAL : If, after ANY REINVESTIGATION under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED the consumer reporting agency shall- ( i ) promptly delete that item of information as appropriate, based on the results of the reinvestigation. I have notified TransUnion i have directly contacted XXXX XXXX via USPS certified mail requesting VALIDATION OF DEBT. ( see enclosed letters to XXXX XXXX dated XXXX XXXX, XXXX, XXXX, XX/XX/2021 ). XXXX XXXX never provided VALIDATION OF DEBT as in accordance to the FCPA and the Administrative Procedure Act. In addition XXXX XXXX Acct XXXX payment history is being reported with different payment history to TransUnion than XXXX XXXX On my TranUnion credit file there are ( figures and codes ). On XXXX credit file is states ( No Data Available ) on credit report. These inaccuracies are damaging my credit. These violations are causing financial, and emotional damage. Futhermore TransUnion is currently reporting a fraudulent inquiry from 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