BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I already talked to XXXX  emergency services regarding rhis matter. They are trying to collect my medical bills through my old insurance i use 5 years ago. I told them i already have a new insurance and gave my insuramce information and they told me they will fix it. But i checked my current if they claim it but they have not fix it. Then i recieved a letter from a debt collector. So it is between XXXX  and my insurance. Coz they promise they will call my current insurance but they didnt! And fyi its hard to get a hold of them. And fyi i have my conversation with them. I screenshot it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 contacted all 3 credit bureaus and the original creditor multiple times and have disputed serious errors on my credit report. 

XXXX XXXX XXXX ( mortgage company ) recently reported to all 3 bureaus that I have had an open account since XXXX and they have falsely reported late payments for XXXX, XXXX and reported a 'late payment ' for XX/XX/XXXX. I have NOT had an active account of any kind during those years. The data reported by XXXX to all 3 credit bureaus are NOT true and are an absolute impossibility! I have had NO interaction with them since XXXX yet they even continued to report a closed account all during XXXX as well. 

I was denied credit and a mortgage as a result of this malicious and negligent reporting. 

I have filed multiple disputes with XXXX, Transunion and XXXX as well as XXXX, but in each case credit bureaus have reported that XXXX 'verified ' and/or 'validated ' this. Again, this is 100 % impossible and is fraudulent reporting by 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 2021-02-24
Company: DISCOVER BANK
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX RE : Discover XXXX To Whom it may Concern, I would like to file a complaint about I never opened nor have I authorized any one to open or use my personal information for goods or services. I filed 3 reinvestigations with Discover, I was informed that an investigation had been conducted with regard to a fraud claim I opened with there office. The disposition of the claim concluded that because the address and phone number connected to the credit card account also appear to be connected to me through public record, my credit report and other recourses, the account was found to show no signs of fraud. This is my response to that letter. First and foremost I want to be clear that I have been the victim of identity theft. Someone unknown to me has utilized my personal information to obtain and use the above referenced account without my knowledge or consent. I have never lived at, been associated with, nor do I have family members associated with the address XXXX XXXX XXXX XXXX XXXX OK XXXX. These addresses appear to be connected to me because they were used to perpetrate the fraud. I have been incarcerated for the past 13 years and I am currently an inmate at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OK. My address has been the same for the past 10 years & during my incarceration I have not had access to a personal phone number or email address. Any emails and phone numbers associated with these accounts or myself have been opened without my knowledge or consent for the purpose of fraud. All payment accounts have been opened fraudulently as well. In light of this information I am requesting that a reinvestigation be conducted to verify this information so that this account can be removed from my consumer credit reports, the attached documents of my prison record, my prison ID, my SSN, A letter from the XXXX XXXX XXXX XXXX  case manager, my police report. I Thank u in advanc for your time, consideration in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Experian Information Solutions Inc.
State: NY
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:
im am writing in regards to Experian reporting inaccurate information on my credit report. i have no acknowledge of the tally tech account that they are reporting.i demand that they remove that derogatory account from my report on the grounds that they are in violation of the FCRA failure to do so will result in a small claims court law suit reporting to the state attorney general better business bureau and the bar association

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 2018-07-15
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX Statements Closing Date XX/XX/XXXX & XX/XX/XXXX - paid in full received by XXXX on XX/XX/XXXX {$19.00} & XX/XX/XXXX {$19.00} - these payments are full payment of my balance with supporting XXXX Statements They continuously sending me a statement every month charging Late Fees on top of late fees after I paid it in full ; the last Statement I have is " Statement Closing Date '' XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX - Disputed my accounts by telephone and online correspondence with XXXX. 

XX/XX/XXXX - Wrote a Certified Letter to XXXX with supporting XXXX Statements - NO RESPONSE from XXXX XX/XX/XXXX - I received the Certified Return Receipt stamped received by XXXX. 
XX/XX/XXXX - Received a letter from XXXX - my account was closed and charged-off and they sold my account to XXXX XXXX, XXXX aka XXXX XXXX XXXX , XXXX ( MCM ) XX/XX/XXXX - Wrote a Certified Letter to XXXX XXXX/MCM XX/XX/XXXX - Received a response from XXXX XXXX/MCM claiming the information provided by the previous creditor ( XXXX ) was correct. 
XX/XX/XXXX - Disputed this issue with the 3 Credit Bureaus. 
XX/XX/XXXX - Received a response from XXXX  stated : XXXX XXXX/MCM balance is correct and XXXX  investigation is complete. 
XX/XX/XXXX - Submit this complaint to CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
This all began in the middle of XX/XX/XXXX after i received a new job offer in Puerto Rico. When i called I was told that there was no problem taking my car down to Puerto Rico and that all that I required was a letter from them saying that it was ok to take. on XX/XX/XXXX I called again to see what the titling process was in Puerto Rico and was then advised that I could no longer take the car. On XX/XX/XXXX I then called again after I had reviewed my contract. In the contract it clearly states that I am able to take my car anywhere within the United States. When I called I was initially told that they were only allowed to let my car go anywhere within the 51 states. So I happened to ask what were the 51 states and was not able to get an answer as there are clearly only 50. After I was transferred to someone in the United States I made it very clear that Puerto Rico is a part of the United States and that they are now breaching the contract. They told me there was nothing they could do that their legal department no longer allows cars to go to Puerto Rico. In my honest opinion this is now blatant discrimination. They now have put me in a very bad position and now I am running out of time to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: ALLY FINANCIAL INC.
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a Trust account with Ally Bank of which I am the Trustee of my own Trust. Ally considers my Trust as the primary owner and will not allow me to, request on line statements only, but require that I receive hard copy paper statements. This was not disclosed to me at the time of opening. I have spoken to them numerous times via private secure mail on their web site and today I spoke to XXXX in the Trust department and then XXXX XXXX the Deposit Ops Supervisor and they refuse to allow me to only receive on line statements. This is a concern for me when mail could be stolen from my mailbox or the USPS deliver my mail to the wrong person, disclosing my account number and balance. My Trust is not a person and I should have a right to request my statements be available on line only.

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 2019-08-10
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:
Experian reported medical bills to my Experian credit report, so i sent 3 rounds asking for validation of debt and in return they said the debts were verified by sending bills. NO CONTACTS WITH SIGNATURES like i asked. Please help. Attached are the dispute letters i sent to XXXX and the bills and response letter they sent 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 2020-11-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When COVID 19 hit this past spring, I signed up for CHASE to defer my mortgage payment 3 months. In that 3 months I still choose to pay the mortgage. Once things became a little harder and Covid wasnt going away, in XXXX I called Chase to extend the arrangement and see what other options were available. The automatic system immediately said it would enroll me in another 3 months, I spoke to a rep who explained in XXXX they would have other options, throwing on back end, repayment etc.. and to call back in XXXX. 

When I called in XXXX, ( I have not paid the Mortgage since XXXX ), I was told it could be extended again for another 3 months. 

During this 3 months - in the middle of XXXX, I received notification that my mortgage was changing hands that Chase sold their mortgage portfolio to another company and as of XXXX this new company would take over. 

I have not paid my mortgage since XXXX. 

I called the new company this week to see what they have as options and to learn alittle about them. It then dawned on me that if my mortgage payment wasnt being paid ... it was in a deferred ... what about my escrow ... my taxes and insurance. 

NOT ONCE did Chase inform me that as part of this process of being deferred that they would PAY my taxes/insurance. Their website in the very beginning was just a simple click to enroll ... no extra information ... This deferment, unknown to me, has now left my escrow NEGATIVE. 

The new company, stated that the negative escrow would be analyzed during the yearly escrow analysis and whatever i was negative would then increase my new mortgage payment. So for example .... if my escrow was XXXX and I didn't pay it for 5 months .... that would be XXXX i would be SHORT in my escrow and that would INCREASE my mortgage payment ... XXXX and the inability to pay that would then cause for possible foreclosure ... XXXX Instead of having me become late with the City/State/School taxes ... and having to owe them .... I would have to find a way to make up this missed escrow. 

NOT ONCE did chase have any disclosure that spoke about the escrow being paid out. Everyone stated they would have options to tack it on the back of the loan ... THAT WOULD JUST BE THE MORTGAGE PART ... not the escrow .... The escrow would be due with in the next year .... when the analysis would show the negative and force the payment to increase. 

This is HORRIBLE that no one explained this to people during this pandemic. Had I not asked questions I never would have known. Once these escrows are reviewed in 2021, EVERYONE who had a deferment will be in the same position ... a MUCH larger payment ... .. 

This was missed by not only Chase, but by other companies as well. This needs to be addressed. It is misleading, false, deceptive and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: NY
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:
These accounts and inquires I am stating I had nothing to do with.

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 2018-07-15
Company: Ocwen Financial Corporation
State: IA
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 contacted all 3 credit bureaus and the original creditor multiple times and have disputed serious errors on my credit report.

Ocwen Loan Service ( mortgage company ) recently reported to all 3 bureaus that I have had an open account since XXXX and they have falsely reported late payments for XXXX, XXXX and reported a 'late payment ' for XX/XX/XXXX. I have NOT had an active account of any kind during those years. The data reported by Ocwen to all 3 credit bureaus are NOT true and are an absolute impossibility! I have had NO interaction with them since XXXX yet they even continued to report a closed account all during XXXX as well. 

I was denied credit and a mortgage as a result of this malicious and negligent reporting. 

I have filed multiple disputes with XXXX, XXXX and XXXX  as well as Ocwen, but in each case credit bureaus have reported that Ocwen 'verified ' and/or 'validated ' this. Again, this is 100 % impossible and is fraudulent reporting by Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My total payment with Mortgage, mortgage insurance, and taxes is {$1000.00}. On XXXX XXXX my payment raised to {$1600.00}. With such a large increase I called my Mortgage Roundpoint Mortgage ) and they claimed my escrow was short due to an increase in taxes. 

On XXXX XXXX I quickly went to XXXX and confirmed my taxes have not increased. They gave me a copy of my XXXX tax bill and preliminary tax for the first 6 months of XXXX. They also said no tax payment have been made towards a majority of XXXX and none of XXXX. 

I called back RoundPoint and they looked at where my taxes were sent, XXXX XXXX which is not my township. In addition they said my taxes were more than double of what my taxes actually are. They asked me to email them my form showing taxes from XXXX XXXX and we would use my grace period to adjust this. I emailed the tax document on XXXX XXXX. 

I had a 16 day grace period. On XXXX XXXX I called back and was informed the new anticipated date for completion is XXXX XXXX. I told them this was unacceptable, I need my taxes paid and I want to pay my correct amount. They said they would " escalate '' this matter and I 'd get a call back Monday the XXXX. 

No call on the XXXX. I called back Thursday the XXXX and still no update. Again it would be escalated and I should have a call in the next day. 

RoundPoint Mortgage has been accepting my payment and not paying my taxes. This sounded incompetent at first when they said they were paying the wrong township. The fact they put the burden on myself to prove the amount of my taxes, which I did and still taking over a month to fix this almost feels criminal. My taxes have n't been paid in 5 months and now my mortgage payment is late.

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 2021-11-01
Company: SUNRISE CREDIT SERVICES, INC
State: DC
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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, DC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 3. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


I appreciate your prompt attention to this matter, and await your reply.

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 2019-07-30
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credit Control LLC Phone # XXXX Credit Control LLC has contact me 7 times trying to reach my grandfather and mother. 
I advised one that first call that I don't even live in the same state and could not help them. They continued to call me after I asked them to stop. 

Dates of contact were XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 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 2020-10-18
Company: Experian Information Solutions 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:
The following account ( XXXX XXXX XXXX XXXX ) belongs to someone else with the same or similar name. Please delete.

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 2020-05-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation 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 2023-01-30
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: Personal information incorrect

Complaint:
I am reaching out to Equifax and XXXX regarding deleting these inaccurate addresses and inquiries from my credit file I have attached the documents you guys asked for now please delete the inaccurate information. 

Inquiries from Equifax / XXXX XX/XX/XXXX, XXXX XX/XX/XXXX addresses from XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had an issue where my checks was stolen. The person deposited my chase bank check of {$1700.00} into his account at XXXX. I filed a police report and followed up with chase bank. I dont know where the person got this check. I had not written any checks on this account for over 2 years. I had numerous conversations with my bank to try and get their help in getting the money back. They were unwilling to assist and insisted that I was responsible for safe keeping of my cheques and rejected my claim without even reaching to the XXXX bank. 
I went to XXXX and show them copy of deposited cheques and ask me to have CHASE BANK send them ( AFFIDAVIT OF FORGERY FORM ) and will reverse the funds back to my account.UNFORTUNATELY CHASE BANK REJECTED IT. 
Please am in need of your assistance to help me get my funds back. 
Thank you

Company response to consumer: Closed with monetary relief