BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I don't know what is going on but I keep getting my card hacked into. Customer service at Direct express is horrible you can barely talk to anyone. I never give my information out for no reason. There has been numerous charges on my account. How I don't know but I called to speak to supervisor and all they tell me is they will investigate it. When I heard back from them they say they find no evidence. Hello it's right the XXXX there. I am sick of this card this company needs to be closed down direct express is horrible and i do not like them and will be switching but before I do I need to get my money back that they stole from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/XXXX it was reported that an late payment occurred on my XXXX XXXX  account from XX/XX/XXXX. I called XXXX XXXX  and was advised to reach out to all three ( 3 ) credit bureaus XXXX, XXXX  and Experian. After reaching out to the credit bureaus, asking them to investigate I would only receive auto generated response stating my account was updated. No investigation was performed, no validation of my account being past due NOTHING. Just auto generated response. Attached is my bank statement, reflecting payment being made through XXXX XXXX on XX/XX/XXXX in the amount of {$430.00}. My due date was the XXXX of each month occurring late charges after the XXXX. Account past 30 days would be AFTER the XXXX of the following month. My payment was submitted On time with XXXX XXXX through their 3rd party collection by phone on the XX/XX/XXXX. Please see my attached bank statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
WE ARE REQUESTING ALL DOCUMENTATION FROM XXXX XXXX  TO INCLUDE PAYMENT LEDGER RELATED TO THE FOLLOWING ADDRESS AND INDIVIDUALS : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE MORTGAGE IS CONNECTED TO THE FRAUDULENT XXXX XXXX LOANS TAKEN OUT BY XXXX AND XXXX. XXXX CURRETBLY SERVICING 15 FEDERAL SENTENCE FOR DEFRAUDING BUYERS, STAGING FRAUD CLOSING AND MORE. 

NUMBEROUS LOANS WERE TAKEN OUT BY XXXX XXXX AND PARTNER XXXXXXXX XXXX WHO THEY PAID A PORTION OF THE PROCEEDS. THE XXXX WOULD BRING THE LAWFIRM NEW CLIENTS UNDER THE PRETENSE THERE HOME WAS GOING INTO FORECLOSURE WITHIN 24 HOURS WHICH WAS NOT TRUE. 

OUR INFORMATION WAS USED BY THESEE INDIVIDUALS TO TAKE OUT FRAUDULENT MORTGAGE LOANS UTILIZING OUR NAMES AND CREDIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As of XX/XX/2018 an unauthorized transaction took place, my account was debited XXXX by Portfolio Recovery. Prior to this transaction I made an payment of XXXX on XX/XX/2018, during  this call I was asked by the CSR did I want my next payment automatically debited I replied no I would call in for my next payment, but low and behold they went into my account and took the payment unauthorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-10
Company: Continental Finance Company, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This company Continental Finance aka XXXX card is fraudulent company. There are no rhyme or reason to there charging. They need to be closed as a company. I feel that if the CFPB allows this company to be open they are an accomplice. This card only has a credit line of {$500.00}. How does someone pay {$110.00} in fees. Is this a starter credit cards for young people? If it is how does a young person have a chance? Is this a card for people who, want to build credit? If so why would someone pay this much in fees. This company is a full of XXXX and are XXXX. The customer service is terrible along with all the hidden charges. I will continue to complain until this company is closed!!!!

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 2021-07-10
Company: AVANTE
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2021 I got an alert on my credit report about a collection. The company is reporting a bill that I don't owe without writing me and informing me of the debt. I did not get the opportunity to dispute the debt with them due to them not following fcra rules. I am not obligated to deal with them and they are forcing me to by placing derogatory information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have placed an order on Amazon.com and used my reward points from the amazon store card which were XXXX dollars for that order on XX/XX/2021 order number XXXX and then I cancelled the order few minutes after, but until today XX/XX/2021 I did NOT get the reward points back which are the XXXX dollars. I called amazon and I called the amazon card at synchrony bank but everyone gave me a different answer. I was told I would get the rewards points back within 48hours and somebody else said 72 hours and the representative at synchrony bank amazon card said 3-5 business days but I still have NOT received the money back. Its like the money was lost and never refunded back to me and today I asked for an account manager and he was very rude and unprofessional and loud and said I have to wait for 2 months until end of XXXX to get my rewards money back and he said it in a very angry loud voice. Very poor quality customer service and very poor quality management. I want my XXXX dollars rewards money back so I can use them to place a new order on Amazon.com. Amazon store card can not hold my money for 2 months like that rude manager screamed in my face. Very rude and unprofessional.

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 2020-02-04
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company keeps checking my credit with a hard inquiry when I have not authorized them or gave them any kind of consent to check my credit. The hard inquiries drop my credit score every time they check it. The company is : Love Beal & Nixon XXXX XXXX XXXX. 
XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX They checked my credit on XX/XX/XXXX and again on XX/XX/XXXX. This is illegal and as a consumer, I have rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Experian Information Solutions Inc.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy has incorrect dates

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 2018-05-24
Company: Experian Information Solutions 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 monitor my credit to prevent fraud. From XXXX until XX/XX/XXXX, my credit represented by my credit score stood at or above XXXX. In XX/XX/XXXX, it was XXXX, but in XX/XX/XXXX, it dropped to XXXX, indicative of serious error or criminal conduct. This prevented me from applying for a business loan. 

I wrote to the credit agency, requesting per the terms of the Fair Credit Act of 1970, to provide me with an explanation as to what negative information was introduced into my records to drop my credit rating by 150 points in a month. I have included a plot of the data. 

The agency sent me a form letter without addressing my core question. I then asked their legal department to review my request and respond to it, ensuring compliance. I wrote that I did not need a form letter, but an accurate investigation and a clear and concise explanation. The agency never responded. 

I respectfully request a careful review and a statement that includes precise entries that resulted in the significant drop in my credit score from XXXX to XXXX in the XXXX XXXX period. Please do NOT send form letters, and list any and all issues that caused the SIGNIFICANT drop.

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 2020-05-11
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sent to collections by a medical office for debt that was paid. In XXXX of XXXX I had applied to refinance my mortgage. I was surprised to learn that I had been sent to collections for what was then an amount of {$120.00}. This was surprising to me as the dates of service in question had come well before I had stopped going that that office for ongoing issue. My visits to that office continued through XXXX of XXXX, and not once was I told I was not current, and would pay any balances that I was told upon each visit. 

I spoke to the billing office on XX/XX/XXXX at XXXX. During that conversation the billing office could not find any balances that I owed, agreed with that they had been paid in full and that there was no outstanding amounts. They also verified they had received my payments on the dates my records show as being made. I was told I would get a letter directly from the Doctors office showing all debts had been paid, and that they would discuss it with the debt collector to remove it. I never received the letter and called back on XX/XX/XXXX, to follow up. I was told that I would have the letter emailed to me that week. It never came. 

I also sent a letter via certified mail to the debt collector, explaining it was reported in error. That letter was sent on XX/XX/XXXX as well, with proof of payment via credit card statements. 

1 month later I received a letter from the debt collector saying that new dates of service in question had changed. That while I had paid all debts, the dates I had paid were later dates. They now had a bill from 3 years prior, date of service of XX/XX/XXXX ( which again no one had ever asked me to pay ) and a date of service of XX/XX/XXXX. This was very confusing because the bill that I had been given dated XX/XX/XXXX, showed every thing was current and the amount owed of {$110.00} was paid via my next visit to the office in person. I have the credit card receipts to prove it. In addition the date of service of XX/XX/XXXX was not even on the bill that showed everything was current. 

In summary, I have a bill dated XX/XX/XXXX, that shows all my charges are current. A credit card receipt showing payment made in full on XX/XX/XXXX, for all charges on the bill. The doctors office acknowledged the payment was made. Yet I am sent to collections in XX/XX/XXXX, for a bill that was paid in full and never shown as past due. 

I had sent all this documentation to the debt collector twice. Yet they still refuse to remove it from my credit report, which is hurting my ability to get credit and my overall credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: LoanCare, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is another attempt to resolve this matter ; exhausting my remedy prior to taking legal action against LOANCARE and all of its affiliate entities i.e. newrez, etc. On numerous occasions, I attempted to resolve/settle this issue with the LOANCARE ( I demanded proof of a valid contract with Signatures between me and LOANCARE ) but LOANCARE never responded. 

LOANCARE is engaged in FRAUD and CRIMINAL ACTIVITY ; obtained my personal information from various sources ; to create a fraudulent credit account. I NEVER authorized LOANCARE to create a credit account. 

FRAUD : 1. In XX/XX/2019, I became aware of the fraud. 
2. This account was opened without my knowledge and without my consent.

3. I DID NOT request to open this account and I DO NOT have a written agreement to open a LOANCARE account ( no communication ; no signature ).

4. I NEVER made a contract for services or payment to this fraudulent creditor.

5. Numerous occasions, I contacted the fraudulent creditor ( LOANCARE ) to inform them that I do not owe this debt. I demanded that the fraudulent creditor to provide the original ; signed agreement between the Principal and LOANCARE. LOANCARE failed to reply.

For two years, I have been subjected to ongoing fraud, extortion, harassment, conspiracy, and injured ( i.e. negatively impacted consumer credit profile/rating ) directly ; due to the actions of LOANCARE ; who continuously report false and fraudulent information to the three credit reporting agencies.

On four occasions, I disputed the information LOANCARE provided to the three credit reporting agencies. The disputes were futile because my personal credentials were compromised and used to support the fraudulent activity. IRONICALLY, the three credit reporting agencies validated the fraudulent credit account BASED upon my validated personal credentials, which were used to support the fraudulent credit account. 
I NEVER provided any personal information or data to LOANCARE. 
I NEVER agreed two terms and conditions with LOANCARE.

There is NO CONTRACT nor agreement between me and LOANCARE.

I NEVER made a payment to LOANCARE.

DEMAND to fraudulent creditor : Provide the original ; signed agreement ; displaying personal signature.

LOANCAREs operations are unethical and fraudulent and MUST be terminated immediately ; numerous similar complaints posted online.

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 2021-03-05
Company: MS SERVICES LLC
State: NJ
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:
MS Services is reportinga fraudulent account on my credit. This account doesnt belong to me. I am requesting the removal of this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: JPMORGAN CHASE & CO.
State: MD
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 received a notice from Chase that there was a purchase on my card on XX/XX/2020 at XXXX XXXX XXXX DC in the amount of {$1000.00}. Chase asked me if this was my purchase via text and email. I told them I did not make this purchase. I locked my card and Chase sent me a new card. 

On XX/XX/2020, Chase posted a {$850.00} " adjustment '' to my account with the transaction date of XX/XX/2020. There is no feature to dispute this adjustment, no method to securely contact Chase, and Chase has no one working its fraud telephone number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
THE DEPARTMENT OF EDUCATION KEEPS ASKING EXPERIAN, XXXX, AND XXXX  FOR MY CREDIT SCORE AND THE DEPARTMENT OF EDUCATION, ACCORDING TO XXXX UNIVERSITY, IS TELLING THEM THEY ARE BEING DENIED MY SCORE WHEN THEY INQUIRE ... AND ARE BEING TOLD THAT I HAVE A CREDIT FREEZE, WHEN IN FACT I DO NOT, HAVE A CREDIT FREEZE. THEY ARE ILLEGALLY DENYING MY SCORE TO THE DEPARTMENT OF EDUCATION.

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 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX has repeatedly failed to delete old accounts on my Credit Report such as XXXX XXXX  that is over 7 years old and was first reported as delinquent in XX/XX/XXXX. They also have listed the same accounts multiple times. I have two loans with XXXX XXXX but on a recent inquiry that listed the accounts 4x each. The inquiry was on XX/XX/XXXX at XXXX XXXX. They have also listed XXXX XXXX as an adverse account when it was in fact paid in full by XXXX XXXX in XX/XX/XXXX. That account also needs to be deleted.

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 2018-05-24
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Made XX/XX/XXXX mortgage payment to Ditech mortgage but was {$72.00} short due to escrow changes. Mortgage company is charging {$51.00} late fee ( which is 71.15 % of amount of shortage ) and threatening to report a late payment to the credit bureaus if {$120.00} is not paid by the end of XX/XX/XXXX. Other mortgage companies ( XXXX XXXX XXXX and XXXX XXXX XXXX ) have allowed me to make up the escrow shortages in the next month 's payment without a late fee or late payment reported to the credit bureaus. I called Ditech mortgage customer service on XX/XX/18 and spoke to representative ( XXXX ) after receiving mortgage statement in the mail. The statement shows the {$1100.00} payment that I made was " suspended ''. The representative confirmed that the principal and interest payment was made and received on time but was short on the escrow amount. My complaint is a 71.15 % late payment fee is excessive and not consistent with other mortgage companies and my payment is " suspended '' but yet they have my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX was the last activity with XXXX XXXX. 

There is a debt collector in the name of Waypoint Resource states that the account was closed this year XXXX. Which will be removed from the reporting agencies in XXXX. This information is inaccurate and causes my hard work I am putting forward to be corrupted.A letter was sent out to them and a response has not been received from them regarding this issue. 

They are reporting inaccurate dates that is hindering my progression to better credit. A letter was also sent to XXXX regarding the issue. Although, they have stated the account was verified containing the in correct information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TRANSWORLD SYSTEMS INC
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I filed a disputes with XXXX, XXXX, & XXXX  in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX  XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.

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