BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-26
Company: EQUIFAX, 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:
in 2014 my information was used at a hospital for treatment. I submitted a dispute with Equifax explaining that in 2014 i was in XXXX and couldnt possibly be in a hospital. Equifax did not complete an investigation to verify if i was in XXXX, only submitting to the collections company to verify my info. This investigation took longer than 30 days and i did not receive anything back. i called back requesting this be removed from my report and was told they are not allowed to remove data, the only thing they can do is submit another dispute. Agent XXXX # XXXX admitted to not investigating my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had received a bill from XXXX hospital in XXXX or XXXX from a hospital visit inXX/XX/XXXX. My bill was just over {$3000.00} and I did not have health insurance so I sent a letter to insurance department explaining that I was a college student with no insurance and there was no possible way to make that type of payment. After sending the letter I assumed that I would hear back to see if the fee was waived or reduced. After months passed by I was never notified about if my request was accepted ( which I thought was strange ) so I just assumed that the whole payment was waived. InXX/XX/XXXX I decided to to create a XX/XX/XXXX account because I am looking to start build my credit and noticed that I have a derogatory mark which is from AMERICOLLECT. It says that I owe {$220.00} and that they posted the debt on XXXX XXXX, XXXX. After discovering this debt I made the payment on XXXX XXXX, XXXX. I am writing this complaint because if I had received any information about this debt when it was due I would have made sure to get it paid on time. I am a responsible person and would greatly appreciate if the derogatory mark posted on my credit be removed. This year I am looking to start building my credit and would like to start off fresh. This issue was not in my control due to not receiving the information needed to make a payment. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Amazon store credit card handled by Synchrony bank, is telling me I am late with a my payment that is due on XX/XX/2019. I sent them a XXXX XXXX money order ( XXXX ) on XX/XX/2019 for an amount of XXXX. I have not tried to contact them, I remember their poor customer treatment from dealing with them in the late XXXX 's and I am glad to see that XXXX will soon stop using them. I will stop using this card once I get it paid off, which due to my inability to get a debt consolidation loan will take some time. However I am not nor was I late on this payment for XX/XX/2019. 
Synchrony Bank should be fined heavily and preferably be put out of business along with their CEOs and upper management placed in prison. They obviously still believe in ripping people off.

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 monetary relief
Consumer complaint received 2022-02-06
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Credit dispute with XXXX XXXX was submitted to Experian on XX/XX/XXXX. Experian 's web site for credit dispute status reflects my complaint with an estimated completion date of XX/XX/XXXX. To this very day, the status still indicates pending and I was never notified of the results. I called Experian today and spoke with XXXX ( ID # : XXXX ). XXXX informed me the investigation was completed on XX/XX/XXXX and could n't explain why Experian 's web site still indicates the investigation results are pending and why Experian failed to notify me of the results.

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 2018-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX year old woman. I have been a long standing customer of Bank of America for credit card usage. I had set up my account, like all of my other credit card accounts, to be paid automatically with the minimum payment so that I never had to worry about missing a payment. In XXXX XXXX, I had a terrible fall and ended up in the hospital for almost 3 months. I was not concerned about the payment to my Bank of America account since it was set up to be paid automatically. However, once I was out of hospital I received a bill that I was late in payments and had incurred substantial late fees. I tried to resolve this both over the phone and in person. However, Bank of America would not work with me. I explained to them that I had set this up for auto payment for this exact reason - in case something happened and I was n't able to make my payments myself. However, the way their website works, you put in a designed payment amount for auto payment. If the balance increases, the auto payment amount does not increase. All other credit card companies I have used allow for the minimum payment to increase based upon the balance. If the balance goes up, so does the minimum payment. Likewise, if the balance goes down, then the minimum payment goes down. I tried to explain to them that is what I believed to be the case. I also agreed to pay them for what was due but not the late charges since I did n't believe that I was truly late - rather there was a misunderstanding. They would not waive the late fees. It should also be noted that they continue to receive my auto payments while this dispute is ongoing. I have done nothing to deter them from receiving payments from me. I am looking for you to intervene and determine if I can be relieved of the late fees that continue to accrue. Thank you.

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 2018-01-03
Company: General Motors Financial Company, Inc.
State: NC
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:
In XXXX, I filed a complaint against GM Financial. I had settled a defaulted loan I had with the back in XXXX, but they had yet to update this account as resolved on my credit report yet. Today, I received a letter from GM Financial, essentially stating that they have not updated my account yet, because I disputed it. Also, as of today, they are still reporting the account as unresolved on my credit report. 

For reference, I am attaching a copy of GM Financial 's recent letter, and also a copy of my settlement and payment receipt from XXXX. 

First of all, GM Financial 's claim that they can not report accurate information about my account because I disputed it is completely bogus. As is my right under the Fair Credit Reporting Act, I have the right to dispute anything that is inaccurate on my credit report. GM Financial does not have to right to " punish me, '' simply because I wanted correct information reported. 

Also, they did n't even address the fact that they are still reporting incorrect information on my credit report, more than 3 month after-the-fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I Had Two Credit Cards ... .I Was NEVER LATE ... .Never Missed A Payment ... .I Just Decided To Close Both Accounts ... .I Paid Them Off In Full ... .Then Closed Them ... One Was XXXX ... .Other Was XXXX ... .I Did n't Realize It Would Effect My Credit To Close Them Or I Would Have Just Kept Them With XXXX Balance ... I Just Did n't Want Anymore Credit Cards So Do n't Understand All These Inquiries ... ..Please Help ... .I Have Been Working Really Hard To Get My Credit Back Where It Belongs ... .Unfortunately I Had To File Bankruptcy in XX/XX/XXXX ... ... I Started A Business ... .Lost About 300,000 ... Very Sad For Me As I Worked Very Hard For That Business ... .But Then We Had The Crash..in XX/XX/XXXX... or XX/XX/XXXX... .Please Help Me With All These Inquiries ... They Are Bogus..Someone Has Hacked Me I Think! Thanks For Any Help ... XXXX XXXX/XXXX..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: Med-1 Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a hospital bill that I disputed with the hospital. I was told to resubmitt the bill to my insurance company, my insurance company paid the bill with leaving me a smaller balance. I started making monthly payments on the bill, when I was contact by this debt collector attempting to collocet the orignal full amount. I explainded to them that the amount was trying to collect was incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
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: Information belongs to someone else

Complaint:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 am a victim of identity theft and has a current police report on file with Chex Systems. The following reported information and inquiries viewed by others listed on my Chex Systems Consumer ID Report XXXX are fraudulent and unauthorized : XXXX XXXX XXXX$27.00}, XXXX XXXX XXXX XXXX, XX/XX/2022, and XXXX XXXX XXXX XXXX, XX/XX/2022

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 2017-09-15
Company: EQUIFAX, INC.
State: MT
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:
I called XXXX today ( X/XX/17 ) to place an initial 90 day fraud alert on my credit. Many people are taking advantage of this service following the recent Equifax hacks, and many more should be. This fraud alert is a free service that notifies you when someone tries to pull your credit info anytime in the next 90 days. The credit reporting service you call is apparently legally required to offer this and make sure that the other two services follow suit. 

Before you have the option to actually have your fraud alert set up, you need to decline two detailed pitches for their premier $ XXXX/mo credit monitoring service. This premier service they are describing sounds a XXXX of a lot like the free service they know you are calling about. The difference between these services was obvious to me but it may not be obvious to others, especially if they are panicked trying to protect their information. I understand a company exists to make money, but this is n't your typical company- these people control your most important, valuable and private information and you have no say in the matter. After a huge data breach from Equifax, these guys are trying to hawk some premier paid service to people who are taking proactive steps to protect their information before this happens again to the other two services. It may not be illegal but in my opinion it 's shady and blurs the line between service and profit. I would like to see XXXX offering this service elsewhere, not as a roadblock in front of this critical free service needed to protect your identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: NV
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:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person

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 2017-07-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My private student loans originally owned by XXXX XXXX were recently sold to Navient. Over the last year and a half I have filed several complaints with the CFPB ( case numbers:XXXX,XXXX,XXXX,XXXX ) in attempts to receive a reduced monthly payment, as I lost my job and have been working part-time since that time. I was initially told by the loan servicer XXXX that the reason I was having issue was because the loan was, at the time, owned by XXXX. In further conversions ( via CFPB complaints ) I was offered a reduced payment plan by XXXX, however after applying I was simply told that my " income '' precluded be from being eligible. When I inquired further I was told that the basis under which they made their decision was " proprietary information ''. Though I was unable to maintain the $ XXXX monthly payment I have paid something on the loan every month just to show good faith. After finding out my loan was sold I reached out to Navient in continued attempts to lower my payments, and bring my account to good standing. The Navient representative I spoke to indicated because my loan is delinquent there was nothing I could do to lower payments or rectify the situation short of paying the back balance in it 's entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I looked online and received a payoff quote for my home. I then sent the check in on XX/XX/XXXXwith a date marked for payoff onXX/XX/XXXX giving time for a few days of transit. I waited untilXX/XX/XXXX before trying to contact them to ask why my house had not shown a payment or a drawdown from my account. I also tried to contact them through online connection. I received no notice until i finally called the company and was told my payment was sent to the wrong location, though i sent it to the location on the bill, the one I normally send payments too. I was told I sent it to the wrong address and nothing could be done. At no point during any interaction, including during looking up my payoff quote was i told to send this payment to a different location than any other payment that i ha ever made. Now I owe more money as interest has accrued daily and im being told i have to cancel the check and then rewrite one and send it out again. I have to pay the difference in interest that accrues during the time period. This has also caused me to miss a payment and i was told they would have never let me know about the check being sent to the wrong location nor would they do anything with the check. In this whole process, i was treated as if i was in the wrong because i did not know to send a payoff check to a different location than the place i normally send checks. I do not see how they can not accept the funds I sent in at a normal pace of payment and is my opinion that even if it was not processed a complaint payoff the company should have processed my payment against what i owed and then contacted me about what needed to be done to complete the process. The check in question was for XXXX XXXX When speaking with XXXX XXXX at Chase on the phone i was repeatedly told it was my fault and i sent to the wrong address despite telling her there was no other address listed online or my statement. I have copies of the statement as well as the online payoff quote to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX regarding my complaints from XXXX ( total of XXXX ). The problem is still not resolved & their records is incorrect!! 

Since XX/XX/XXXX, I have been filing complaints to get what I call JUSTICE. It took XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL, XXXX, XXXX, almost 2 years to rectify the problem in the XXXX XXXX XXXX XXXX XXXX, meantime I was charged interest on money that was exempt which was never refunded. It finally took XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, to apply the XXXX remaining installments {$110000.00}. Ocwen had reverted to the entire amount & was charging me interest on the deferred as well as the interest bearing amount. In addition, {$580.00} ( HAMP Borrower Incentive Accrued ) was never addressed. 

In my statement dated XX/XX/XXXX, my principal balance was {$65000.00}. In my statement dated XX/XX/XXXX, my principal balance was {$61000.00}. In my statement dated XX/XX/XXXX, my principal balance was {$59000.00}. 

There is no breakdown as to how they arrived at the total funds of {$9600.00} from XX/XX/XXXXXXXX. Ad the payments are made the principal including all additional payments should cause my principal to decrease ( discrepancy ). 

In addition, my payments are due in the 1st with 15 days grace period ( XXXX ). XXXX overcharges me XXXX  ( XXXX ). Payments are paid Thru XXXX XXXX but PHH Mortgage & their constituents deliberately take their money out on the XXXX & XXXX XXXX to charge me ( XXXX {$81.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: The Outsource Group, 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: Information belongs to someone else

Complaint:
disputed to XXXX via XXXX XXXX. Not 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 2020-04-30
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my 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 2017-07-14
Company: Northstar Location Services, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collectors sent a letter stating I owe a debt I do not know this creditor I had no dealings no contract or service through the company

Company response to consumer: Closed with explanation