BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I set up a payment agreement for {$50.00} a month in XX/XX/XXXX and the very first direct debit from my account was for {$100.00}. I called them and they claimed it was an error and refunded {$50.00} to my account. XX/XX/XXXX I noticed two separate charges for {$50.00} from the company and called to find out what happened and they claimed error again. I did not have them reverse the charge but rather said I would not like to be debited any more but rather to mail me a bill. I have since received numerous phone calls about making a payment and the company refuses to accept responsibility for fraudulently charging 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 explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
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:
I Have disputed with this company and they refuse to remove incorrect information from my report. I have reported this to the FTC and CFPB and nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage application in XXXX of 2020. I applied for a refinance of my primary residence. I provided all the requested documents they needed to approve the loan. We closed on XXXX of XXXX I received documents about some issues about some documents on my loan. I reviewed the documents that was sent and show that my job title application is wrong. It is listed as XXXXt my job title is XXXX XXXX XXXX XXXX. I want to explain to Quicken loans that I provided all the documents they needed to get my loan approved. I did have some issues with uploading some PDF files in the system and thought I would take a picture of the pay stub. I reviewed what sent to me and noticed the bottom portion did not capture. I have attached the original pay stub PDF version. Please keep in mind I changed pay stub providers in the middle of this application process. I was with XXXX  getting direct deposits. I changed to XXXX and did not set up direct deposit. I was trying the new scan feature with my bank and enjoyed using it. I have attached proof of payroll checks that I scanned and deposited to my account. XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. The XXXX address is an address we had previously. I have attached proof of the address when I started the business. I put in a request to XXXX to change the address and they responded and was not able to update it in time for closing. My company is set up as a S Corporation based on the IRS rules if I work for my business I must take reasonable compensation in the form of a W-2 at the end of the year. Please let me know if you have any questions. I am looking forward to making my mortgage payments and living in my house with my family. I enjoyed working with Quicken loans and thank them for allowing me to refinance my home. I would highly recommend them to family and friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TD Bank 's new attempts to assess {$35.00} overdraft fees based on a lapse in time of funds in an account on the same day versus the old banking practice of being negative overnight is anti - consumer to the extreme and MUST be stopped. 

Those of us XXXX XXXX know all banks books need to be balanced to -XXXX- at the end of each day. A bank is never truly at a loss even in typical cases of overdrafts lingering on overnight or for days. 

But, TD trying to say a loss has occurred within minutes or hours is absolutely horrific. Can us consumers be raped and pillaged even more by this egregious banking system? 

Congress or whomever really needs to nip this TD policy in the bud. It is not acceptable whatsoever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-10
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The caller identified herself as XXXX XXXX and said the call was an attempt to collect a debt. Since it was a recorded call I could not get someone to take us off their list. All my credit is current and I have no debt owed that is not current. The phone number these people are using is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried to make payments to PHH online. I set up autopay online. They have failed to withdraw the money from my bank account. I have been fighting with them to take my money since my mortgage was sold to them and now they are sending me late payment notices and returned item charges. PHH is incompetent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, XXXX XXXX, sold my mortgage to Freedom Morgage. I was set to auto pay XXXX so every month they sent me a mortgage statement and I filed it away. When they sold the loan, I didn't have any knowledge that it had happened. The first I knew about it was when Freedom Morgage sent me a foreclosure notice ( which I assumed was also junk mail, but I looked at it anyway ). 

It turned out I was a few weeks behind on the payment and this was their way of letting me know ... " welcome, you are being foreclosed on '' ... even though it was literally just a few weeks late. I started scrambling around trying to find info on this new lender and realized that they didn't transfer my auto payment so I needed to setup a new account with them to pay it. I did that and then tried to setup an auto payment plan but they wouldn't let me do THAT because they needed my first payment to clear (?? ). So a week later I went in and setup the autopay. Selected the full amount payment on the due date and considered it taken care of. 

About 2 months later they sent me another threatening letter saying my escrow payments were going to be short. It turns out they had created an auto payment amount that wasn't for the correct amount. I am going to assume this is because it makes me think they are charging me less ... but of course it was just wrong. The letter said if I did nothing they would adjust my amount. So I left it alone and am chalking that one up to standard deceptive marketing practices at worse and incompetence at best. 

However, they ALSO charged me a {$15.00} `` drive by fee ''. Apparently this is because my payment was late in XXXX so they say they charge this fee to make sure the house is ok? I would bet the value of the house that no one drives by and this is just a random fee to get around the fact that they are not legally allowed to charge fees within a 60 day grace period during mortgage service purchase transfers. 

This company is a general disgrace and this fee is wholly fraudulent.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account ( S ) # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 paid this account in full and my credit report still has negative marks on it. I was supposed to pay this debt and it was supposed to be removed from my account

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I sent out a letter disputing incorrect information to TransUnion and XXXX on XX/XX/2022. All incorrect information has not been resolved or verified and is still on my credit report, I have received no updates from the credit bureaus.

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 2018-04-10
Company: Mar Joe Enterprises
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I pulled my credit report for the first time in many years and found a company called XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) is reporting a negative collection account to all three bureaus. I have never heard of this company nor have I ever entered into any agreements/contracts with them. The debt has been on my credit reports since XX/XX/2013 however this company never reached out to me to notify me of an alleged debt. The amount that they are  demanding is only {$50.00} however I have no recollection of this balance. I've read numerous negative comments about this company and their borderline illegal practices. Furthermore, the statute of limitations to collect on a medical debt in the state of SC is 3 years however they are still reporting this negative account that I do not own on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Chase Bank charged me 9 times {$34.00} insufficient fund fees on my checking account even though l had funds in my account to cover my checks but due to them taking my money they made it appear the funds weren't there. They withdrew funds from my account to companies l don't have an account with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27
Company: Premier Auto Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My balance has reflected an incorrect amount owed for quite awhile, among other issues/communication problems since the inception of this loan being transferred to this company. I spoke with the supervisor XXXX XXXX, XXXX XXXX, and some other ladies on the phone about this MULTIPLE times throughout XXXX. XXXX XXXX told me I was missing XXXX, XXXX, XX/XX/XXXX payments ( even though I wasnt even financed through them at the time ) and I sent bank statements and cancelled check copies proving they were paid. I also asked why was I never informed of missing payments when they bought my loan in XX/XX/XXXX and was told they just put my loan up to date. What? That makes no sense. Then she told me I was missing XXXX, XXXX, XX/XX/XXXX payments once I sent proof of the XXXX payments. Ive never missed any payments and sent all bank statements she requested to prove this. After proving I made all payments, she said she would " forward to upper management. '' This was XX/XX/XXXX. I have not heard anything since, and she refuses my calls, always in a meeting, lunch, on the other line, or just transferred to her voicemail. I have left countless voicemails and emails ( that XXXX XXXX confirmed she received ) and was told she would call back and email back however she has not. On XX/XX/XXXX, XXXX stated that this would be resolved by the end of the business day and XXXX would send me an email for my records and give me a call. That did not happen and I've called again since, and she is still not taking my calls. I just want my balance to reflect what I owe, so that I can pay off the vehicle and receive my title. The maturity date of the loan is XX/XX/XXXX, and I only have two payments left on this loan however my balance shows + {$1000.00} more ( because they claimed I missed 3 months payments, which was proven to be false ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: CO
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 been trying to remove a Chapter XXXX Bankruptcy from my Credit Report. On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I mailed XXXX, Experian & XXXX  asking them to provide me documentation they used to verify this Bankruptcy and also provided them with a letter from the United States Bankruptcy Court that verifies they do not send information to any internet search engines or credit reporting agencies. Only XXXX responded within 15 days but did not provide any documentation. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and therefore, the Bankruptcy must be deleted from my credit report.

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 2019-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Very old account been close seen XX/XX/XXXXXX/XX/XXXX Old charger off account I disputed in XX/XX/XXXX. 
The account amount went up and the open day change to 1, year 11months. When it should be 4-5years old collection account. Price keep going higher. Stop trying scam people out of money on very old charge off account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Date of Call - XX/XX/2019 HSBC will not allow me to close my account because their online banking bank to bank transfer portal crashed while trying to set up a bank to bank transfer weeks ago. I was flagged as fraud and had to call to remediate the issue. Instead of trying to setup the bank to bank transfer, I asked that they close my account and send the proceeds via official check to my address on file. Was transferred 5 times to different people within their customer service or fraud department, and indicated that they could not close the account until the fraud case was closed. They asked me several times if the account I was trying to link was mine and owned by me, and then said the only way they could close to account was to provide a complete statement showing the account details and titling at the other bank. I refused to comply with this request and asked if they could reset their system for me to link on my own, and they said I must provide the statement. 

During the process of this call, over 2 hours, they cancelled my debit card and removed wire transfer ability from my account. One gentleman apologized but said he needed to suspend my account until I provided evidence I owned the other account that was attempted to be linked, even after I authenticated several times over the phone and provided additional security information via email and mobile phone. My account has less than 10 transactions in it and was almost a year old. Account was opened to have an additional account while taking advantage of a {$200.00} incentive for opening, but little other activity had taken place. Continued to tell me that they needed to review the details of my account, however indicated that I could not receive my funds until they saw the other account I was trying to link. 

I ultimately provided the statement details from my other bank, as they indicated they could not reactivate the account until " the system '' knew the information was correct. Had to send a copy of my statement ( or voided check ) from a completed unassociated bank ( never ultimately linked this account ) via unencrypted email to the E fraud prevention email at HSBC. After that they again rerouted me back to customer service where they insisted I keep the account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX. 
XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX  XXXX Inquiry, XXXX : Inquiry, 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.

I have also spoken to creditors whose agreed to remove said information but to no avail! I have also reported to each credit agency and the creditors that I was apart of the XXXX XXXX breach and that my identity was compromised, used, and found on 86 sites across the dark web and that I have filed identity theft with the fta & cfpb & they still have not corrected these unlawful errors.

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 2018-04-06
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I pulled my Experian credit report and noticed they have 10 variations of my name and 9 of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States  Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations.

I received a response to go track down whoever is reporting these incorrect names & addresses. 
As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. 
The other credit reporting companies had no problem updating my information and removing all others. 
I am not going to chase down 13 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct.

They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed.

They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information.

I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are 2 accounts in collections with a Collection agency called " Portfolio Recovery ''. 

1-One is under account number XXXX for {$440.00}. It show XXXX XXXX as the original Creditor. 

2- The second account number is XXXX for {$420.00}. It also shows XXXX XXXX XXXX  the originals creditor. 

The problem is that I am XXXX and I don't work therefore I can't apply for credit cards because I Don't have income. I I sent a dispute to the credit bureau to investigate these two accounts. The collection agency verified the debt to the credit bureau. However, when I write ti the collection agency requesting additional information and I ask them for copies of the signed contracts for those accounts, they don't bother to respond back to me.

Company response to consumer: Closed with explanation