BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sold my phone through market place on XXXX and the buyer scammed me. He pretended to set up the payment process through XXXX pay because it was more legitimate than others and more secure. I had never used XXXX XXXX and he was aware of that and that I wasnt familiar with the process. I got an email starting the process saying I had to ship the phone first and email them with the tracking number. The buyer got an email saying he had to deposit {$300.00} first to make my XXXX pay a business account to receive the payment. He did that and got them refunded and even sent me a confirmation email. I started getting sketchy emails requesting more money for verification and government approval. The emails seemed odd but I had never done any of this. I couldnt contact XXXX or XXXX marketplace to further investigate. What made me do the process is that he sent me a screenshot of the refund process from the same email I was getting them. I sent a total of {$500.00} through zelle and my bank wont give them back. I never got the {$350.00} for the phone. I couldnt contact anyone about this other than my bank and police who wont do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Emerald Coast Collections, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Emerald Coast Collections - Somehow they have my Medical information, which I did NOT authorize this company to have or receive ANY of my medical information, I believe it is a violation of my personal RIGHTS for this company to have ANY of my medical information. 

I do not OWE any Medical debt and Emerald Coast Collections placed 4 separate collections on my Credit Report in the amounts of {$200.00} - {$200.00} - {$310.00} - {$79.00} - 2 collections were placed on my Credit Report the same day, XX/XX/2017 and 2 others placed on my report as well. 

Not only does Emerald Coast Collections NOT have authorization to my Medical Records, they then COMPLETELY and without any merit FRAUDULENTLY placed 4 separate collections on my Credit Report. 

I have called to contact this company and I am hung up on, yelled at, told I am a loser and to pay my bills, etc ... And Emerald Coast Collections REFUSES to remove my information from there system. 

This is a major FRAUDULENT company and I did NOT authorize this company to have ANY of my information whatsoever and this company needs to be SERIOUSLY INVESTIGATED, especially being here in the state of Florida. They are more than likely doing this to countless others and elderly folks who do not have the means to protect themselves. 

I am requesting a response. 

XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During the COVID-19 Pandemic In XX/XX/2020 I notified XXXX XXXXXXXX XXXX XXXX XXXXXXXX that I would be vacating the property. I emailed a 60 day noticed to vacate to the property manger as well as dropped a copy of the letter in the office drop box. Because of the Pandemic the apartment office was closed, as well as much of the world was placed on quarantine. I vacated the property before XX/XX/2020. In XXXX of XXXX I was received a phone call from a new property manager regarding past due rental charges for XXXX and XXXX. I informed the manager that I no longer lived there, and that the previous managers were notified. The new manager stated that she had no knowledge that I had vacated the premises, she could not find the hard copy of my notice. I informed her the letter was also emailed. 
After checking the property manager email she found a copy of my letter. But I was told that emailed notices were not acceptable, and I needed to pay the charges accrued. I tried to resolve the issue unsuccessfully. XXXX XXXX XXXX XXXX XXXX sold this fraudulent debt to a debt collector, Columbia debt recovery LLC DBA Genesis, who has reported these fraudulent charges to the credit bureaus. I was contacted by debt collection agency requesting payment of {$3600.00}. I tried to dispute the charges, and informed the debt collection agency that the charges were fraudulent. They informed me that the debt was purchased from the XXXXXXXX XXXX XXXX  and was considered accurate. My credit report and credit score has been damaged due to The Covid-19 pandemic, causing an abrupt global quarantine, an unprecedented event which ultimately resulted in this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
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:
In accordance with the Fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2023-12-15
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I was sick in XX/XX/. I had XXXX  XXXX & requested for Forbearance from XXXX XXXX via PNC Mortgage, Loan Servicer, but unfortunately, PNC Mortgage didn't forward me the rejection XXXX XXXX, the Investor of my Loan. I have Doctor 's Letter to support my statement & can be shared, if requested. It's very unfortunate that PNC Mortgage is Possibly violating Cares Act & may also involved in Possible Discrimination. I strongly believe that PNC Mortgage is behaving this with me because I am a Minority, Person of XXXX, XXXX XXXX XXXX XXXX. I want CFPB to take action against PNC Mortgage for harassing People of XXXX & Minorities & not proving requested relief as per the Cares Act & start an investigation by Department of Justice for possible Discrimination & possible violation of Cares Act. 
I filed the above complaint before & PNC Bank N.A . responded that I should get 18 Months Forbearance only but that is not True. I should get 30 Months Forbearance as per XXXX XXXX Guidelines but PNC Bank N.A . made False Statement to CFPB & an Investigation should initiate against PNC Bank N.A . by Department of Justice for making False Statement to the Regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: GA
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:
Misspelled Name ( XXXX XXXX ) { XXXX, XXXX, ) Dispute ignored and put back on my account Consumer Financing reported on my account should not be XXXXXXXX XXXX that reported on my account which I never lived at the address reported They have incorrect and outdated information This incorrect information is causing me to reflect a inaccurate credit score causing me to get denied when I should be approved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Should have qualified for the PSLF program XX/XX/2017 In lieu of working for the XXXX XXXX XXXX for over 10 years and making timely monthly payments all along. After my application for the loan forgiveness was denied I was told that because I'm married and filed my taxes jointly with my spouse then my repayment plan should have included her income too. This was never disseminated to me, never posted on the loan providers website, nor ever mailed to me throughout the years I've been paying my student loans. Four different providers have had ownership of my student loans over the years and never did any of them alert me of this. The prerequisites were to work for a public service employer and make 120 timely payments to qualify for this loan forgiveness.

After being denied the loan forgiveness I called the current loan service provider and asked that they provide something in writing verifying when I was notified of the type of repayment plan I should have selected to be granted this forgiveness. They never did. I submitted a complaint to my Congress man and never received a response from his office. Followed up with the loan service provider and asked them to provide to me in writing how many more payments would I have to make if I transitioned to a repayment plan that included my wife 's salary too to be eligible for the loan forgiveness. Over a year later they still haven't provided anything to me in regards to this inquiry. Spoke with supervisors and still no tangible information has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: IL
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 a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2023-12-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received two {$500.00} American Express Gift Cards from my work in XX/XX/. 
As of writing this, I have been able to use the cards on only two transactions over the course of the past year. One was a XXXX in-store purchase and the other was a XXXX in-store purchase. This gift card no longer works at either of those locations. The second gift card has not worked anywhere. One of them shows a {$500.00} balance on the online balance checker. The other shows a {$410.00} balance ( {$500.00} minus the two transactions that worked ). 
All other transactions, both in-person and online, are declined. The customer service agents seem to essentially have a script regarding the declines being " for safety reasons '', but the cards have essentially been rendered useless as a result. 
Furthermore, the website advertises the ability to add cards to digital wallets, use them anywhere Amex is accepted online, etc. All of that is false. They are rejected from all digital wallets, and can not be spent at any online retailer that accepts American Express. 
Put simply, these can not be spent anywhere reliably, and the high rate of declines leads to a high level of XXXX  when attempting to use them to shop in-person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-08
Company: Credit Karma, LLC
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
continuous false and misleading advertising by Credit Karma. Who continuously states that my chances for approval of credit are excellent, but I get denied every time I fill out applications for the recommended cards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My dog was suffering and needed an expensive operation at XXXX in XXXX. 
The veterinarian handed me a card from CARE CREDIT subsidiary of GE Capital Retail Bank, because I literally maxed out my cards to save my dog battling XXXX. 
The CARE CREDIT Representative I spoke to said We operate as a nonprofit because we know how much we love our animals and operations prescriptions can be expensive. No worry. Theres No interest as long as you pay total borrowing within two years. 
Total {$2000.00}. Credit Line. I used only about {$1800.00}, Paid back more than {$950.00}, I desperately needed small amount to begin surgery, so I took the deal. 
Somehow that number ballooned to over {$2400.00}. AND WORSE, they reported me to credit. 
I had great credit. Now I have Poor credit and its only been 8 months! 
Im furious. 
I dont know what to do. 
The veterinarians missed a XXXX lump and my baby died. 
Worse My mother is fighting XXXX XXXX too and somehow Im moving forward on fumes. 
Advice would be greatly appreciated. 
I dont have a credit card. I destroyed it knowing Id never use it again. 
CARE CREDIT - SYNCHRONY BANK Account number is : XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2016-08-02
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The persons in the office does n't communicate when calling customers to ask them when they will be in to pay. The keep calling several times a day everywhere and anytime during the day. They also do n't give you chance to respond back to them and after responding there is another person who still calls the same way. Lack of communication inside the office.

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 2018-08-23
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 information incorrect

Complaint:
For almost two years I have made payments on time to XXXX XXXX XXXX for a vehicle financed through their company. In XX/XX/2018 I was taking out a refinance loan on my home and decided to pay off the vehicle. The refinance company cut a check to XXXX in XX/XX/2018 but went over the payment deadline for XX/XX/XXXX and advised us not to make another payment because they already cut the check. I notified XXXX that we were going to stop the payment from coming out of our bank account because the check was already cut and on its way to them. XXXX received and cashed it only to report us negatively to the credit bureaus TWICE dropping our credit score 100 points. They cashed the check two weeks ago and we have not received the vehicle title and after they cashed the check they reported to the credit bureaus negatively even after they were aware in XX/XX/XXXX of the situation. When we called at the beginning of XX/XX/XXXX to resolve the issue they said it was policy to report it negatively to the credit bureaus per a policy that does not exist.

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 2023-12-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been unable to get my credit report " On Line '' from Experian for several years. I receive the following error message when trying to get my report : " A condition exists that prevents Experian from being able to accept your request at this time ''. I have no way of contacting them to resolve this issue. I even created an account with them ( which they force you to do if you want to try to get a credit report directly from their web site instead of going thru XXXX, which may be the reason they deny me access to my report, to get me to register on their website '', and they still refuse to give me my report, and once you create an account with them they bombard you with spam and wont allow you to opt out of the spam. I just want to be able to go on line to XXXX and get my credit reports just like i do with 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 2023-12-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
There is an account that my name is joint with but I have not been with with person who opened the account in over 2 years but still uses my name for that credit line and I have tried to take my name off the account but I have no luck.

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 2018-11-29
Company: Eastpoint Recovery Group, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeatedly told this company to stop calling my personal phone and my work phone, yet they continue. I have requested verification of the debt they claim I owe, in writing, to be mailed to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: GA
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 sent in a dispute to all three credit bureaus on XX/XX/23 to have a collection account removed that did not belong to me. I also sent a validation letter to the collection company to provide me with proof that this is my debt and validation of ownership that they are legally able to collect on it. I have NOT received a response nor any more attempts to collect the debt from the collection agency which proved to me that it was a possible scam/illegally trying to collect funds from me. I provided this information to All three credit bureaus and the dispute results came back updated and verified. I then contacted Experian directly to go over my results and they assured me they will put in a dispute for investigation. Three days later, the dispute was completed. It was again updated and verified. I asked for a copy of the exact investigation process that was used to determine the outcome they provided and was told a copy of my report will be sent to me. I explained Im not asking for a copy of my report but for information of how they determined their reinvestigation to be accurate in three days when the normal dispute process is 30 days. It was NEVER provided to me.

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 2023-12-09
Company: Experian Information Solutions Inc.
State: OH
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 got a call sayin I owe a debt Pursuant to 18 USC 8, I owe no debt these companies is violating my consumer right to privacy pursuant to 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1692 ( i ) legal action by debt collectors 15 USC 1681A ( 2 ) ( a ) ( i ) late payment 18 USC 1341 Fraud and swindles

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 2023-01-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried numerous amount of times to have my information updated and it is still incorrect. As well as following through and contact merchants to ensure that accounts are in good status and payments have been made, but the bureau is reporting them as delinquent and incorrect. I have even paid money to get things fixed and corrected yet my information is not and may have actually been leaked for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear CFPB ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have been on the phone relentlessly over the last year with your customer service representatives in regard to unfair, and fraudulent account reporting on my personal credit report. Your representatives mentioned due to a lack of staff that they are working on fixing and permanently removing this from my credit report. It's now been over 4-6 months this negative entry continues to report on my credit report and it's causing me to get denied of credit in multiple locations. Not only this account is fraudulent, but it continues to report on my credit report with multiple inaccuracies, incomplete information, and inconsistencies with Dates of last active, dates of last reported, dates of 1st delinquencies, etc. It's my understanding from reading online that under the provisions of consumer law FCRA, once an account is reporting in charge-off status, it can not continue to report late or past due or c/o status. Plus why it only start reporting 120 days 3x times? What happened to 30/60/90++++ days late? this is fraudulent and inaccurate and in violation of my consumer law and breach of my privacy. It's also unverifiable.

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