BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: SYNCHRONY FINANCIAL
State: TN
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:
Have attempted to contact the creditor multiple time by mail and phone. Have never received a written response from the creditor. Was able to speak to a representative and was told they had no information on 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 2021-06-03
Company: Collection Bureau of the Hudson Valley, 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:
Collection Bureau Hudson Valley , Inc. is attempting to collect a debt that does not belong to me. Collection Bureau Hudson Valley , Inc. is reporting a delinquent collection account to XXXX XXXX  and XXXX that does not belong to me and is reporting incorrectly as if it does. It's hurting my credit score and I need this removed immediately.

I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence ( debt validation letter ) via USPS mail onXX/XX/2021, as well as faxed them a copy the same day at XXXX ( See attached confirmation ) I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Collection Bureau Hudson Valley , Inc . I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Inquiries I have no clue of are : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX I already reached out to each to company and all they told me was to contact the credit bureaus to resolve this matter.

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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
There is an old account with XXXX XXXXXXXX XXXX on my XXXX and TransUnion report that should no longer be on there. It is an aged account and past the statute of limitations.

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 2020-11-05
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer ( XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated XX/XX/XXXX Credit Limit {$100.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - Terms Revolving Responsibility Individ EXPERIAN REPORT FTC VIOLATIONS )

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 2021-06-30
Company: Keynote Consulting, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company name is Keynote Consulting this company is reporting inaccurate information on my credit report. 
Acct XXXX Here are both amounts and acct number for both charges are XXXX. 
{$1400.00} {$7000.00}

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 2020-09-15
Company: The Receivable Management Services LLC
State: KY
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 XXXX XXXX, Receivable MGMT SVCS, added a derogatory mark on my credit report via XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection after requesting by phone being told its not possible. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone could send a bill and say its mine. According to the FCRA, Receivable MGMT SVCS, have violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$29000.00} XXXX   XXXX XXXXXXXX {$3400.00} XXXX XXXX {$160.00} 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 2018-06-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I've been told by my financial institution that i must cover all overdrafts by XXXX each day to avoid overdraft fees, on XX/XX/XXXX @ XXXX i had a negative balance of {$2.00}, I transferred {$4.00} to bring my account out of negative by XXXX. In the morning XX/XX/XXXX i received an email stating i was overdraft {$96.00}. When i called to speak to a representative on why i went into overdraft i am being told that transaction are not finalized until XXXX. 
This practice is unfair and predatory as the bank always now can charge you fees between XXXX XXXX XXXX and XXXX with no way for the customer to cover said overdraft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-27
Company: TENET HEALTHCARE CORPORATION
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I received a bill for an urgent care visit for my daughter. According to the bill insurance had n't paid and the entire balance was owed by me. I called the original creditor and asked them to bill XXXX XXXX as my daughter had insurance. They said they would. Every month I received another bill and I would call again and ask them to re-bill. I eventually recienved a bill and a collection report on my credit report for {$310.00} from XXXX XXXX XXXX/XXXX XXXX XXXX for the above date of service. I called them on XX/XX/XXXX and explained I did not owe this debt as my daughter was on XXXX and the visit was covered and eventually paid for by XXXX. I was told they emailed XXXX  XXXX ( the original creditor ) about removing the collection from my credit report because the account HAD been paid in full by the insurance company. I then called XXXX to follow up and was told by XXXX that it would be taken care of and off my credit in 30 days due to the fact XXXX XXXX had paid the bill in full and nothing was owed on the account. None of this was ever done. In XX/XX/XXXX I called XXXX XXXX to ask for the explanation of benefits showing the bill had been paid so I could send it to XXXX XXXX XXXX XXXX XXXX so they would stop reporting me monthly to the credit bureaus. The lady I talked to instead three way called them to tell them it had been paid and offered to mail them proof. XXXX was also on the line and apologized for the error and stated they would put in a request to have the debt paid in full and would no longer report. He said they report every Wednesday so it would be about a week for them to stop reporting and the bureaus would reflect that in 30 days. It has been well over 90 days since this conversation and they are still reporting monthly. I do not owe this debt, it has been paid in pull by the insurance company and I need them to remove this from my record. The conversation from XX/XX/XXXX was all recorded my XXXX XXXX and could be made available by calling them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred from XXXX to LoanCare ( XXXX XXXX XXXX, XXXX  XXXX, VA XXXX ). Per my bank statements ( emailed to LoanCare ), there was a {$2500.00} payment on XX/XX/19, {$2500.00} payment on XX/XX/19, and a {$2500.00} payment on XX/XX/19. 

I received a late fee notice in early XXXX from LoanCare. That's when I realized LoanCare has not recorded my prior 3 payments of {$2500.00} even though the money was cashed by LoanCare. These {$2500.00} payments were cashed by LoanCare on XX/XX/19, XX/XX/19, and XX/XX/19. 

Per customer service recommendation, I emailed their support along with all bank statements that showed the three {$2500.00} payments. I received an email back stating that LoanCare did not see any issues and that my case my closed. 

I called LoanCare back ( XX/XX/19 ) and explained again my scenario. Support ( XXXX ) stated that they are now seeing the three {$2500.00} payments, but it was applied to an old loan number. 

I told XXXX at support that I wanted to a pay off amount today. However, he said he could not give me a payoff amount until these 3 missing payments were resolved and it would probably take 14 days to resolve. 

I originally asked for a pay off amount when I first called LoanCare on XX/XX/19 because of the late fee notice. I am now expected to wait another 15+ days until they resolve the issue. LoanCare will be charging me interest on my loan for the next 15+ days. LoanCare should not be charging me an extra 15+ days of interest if they made a mistake on their end. 

LoanCare has damage mine and my wife 's credit score because they reported our mortgage as late. 

It seems like thousands of others have reported the same things : https : XXXXXXXX XXXX After my experience and reading all the similar reviews online, I believe LoanCare is deliberately conducting immoral and illegal business practices to scam others to pay more fees and interest on their loans. 

-- -- -- -- -- -- -- This is one example of my many phone calls to LoanCare : Called support line and asked to speak to a supervisor. She said ok and right after I heard her say " I'm going to hang up on this XXXX XXXX '' and then she hung up. This occurred XX/XX/19 approx. XXXX Confirmation # XXXX. Her name was 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 2020-05-04
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX has now falsely reported my XX/XX/2020 payment as 30 days late. This is the third adverse retaliatory action taken against me since I attempted to exercise my rights under The Fair Credit Reporting Act ( FCRA ) by disputing XXXX 's handling of my XX/XX/2020 payment. Currently, the 3 negligent acts taken against me include : reporting my XX/XX/2020 payment as 30 days late, reporting my XX/XX/2020 payment as 30 days late, and inflating my principal balance back up to {$48000.00}. I will gladly attach bank statements showing my cleared checks to XXXX and credit reports showing the above facts. XXXX 's actions are clearly a willful violation of Federal Law. 

While the reality was that XXXX was sending these false reports ( e.g. 30 days late XXXX, and 30 days late XXXX ) to the credit bureaus, XXXX would write me letters hinting that they were investigating my account history as evidenced by the following quotes in a XXXX letter : our records show that the XXXX XXXX XXXX XXXX Department originally received an inquiry from you on XX/XX/2020, XX/XX/2020 and XX/XX/2020 ... 
Moreover, the XXXX XXXX XXXX Department received the following Automated Credit Dispute Verifications ( ACDV ) from you : ( 1 ) on XX/XX/2020 from XXXX ( 2 ) on XX/XX/2020 from Experian ( 3 ) on XX/XX/2020 from XXXX ( 4 ) on XX/XX/2020 from Experian ( 5 ) on XX/XX/2020 from Experian ( 6 ) on XX/XX/2020 from XXXX ( 7 ) on XX/XX/2020 from Experian ( 8 ) on XX/XX/2020 from XXXX and ( 9 ) on XX/XX/2020 from Experian.. 


XXXX XXXX attempts to hint that they were diligently and accurately attempting to correct any innocuous glitches with my credit report, yet I contend they were actually creating more problems ( e.g. false claim of late XXXX payment, false claim of late XXXX payment, and inflated principal balance back up to {$48000.00} ).

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 2019-01-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an escrow check from SPS inc made out to my ex-wife and myself. I inquired how to get the check sent in my name only. I was told to send in my divorce decree, which I did. A year later I have not received the replacement check for the one sent in. When I called all I receive is excuses why I don't have the replacement check. I am owed another escrow check and wondering if stumbling and bumbling company will make it out as the original check creating another long drawn out process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute the information in my file. These items are inaccurate because it reports a balance due, even though I do not owe a balance on this report due to me having a 1099C. As you know, when a 1099C is furnished, a XXXX balance is to be reported. I am requesting that the items be DELETED to correct the information. Enclosed are copies of an IRS form 1099-C received from XXXX, which states that the balance was forgiven, supporting my position. I have called and disputed several times via certified mail and get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts reporting inaccurately. I have disputed and reach out to all several times and they say the same thing over and over. Please reinvestigate these matters and delete the disputed items as soon as possible. The accounts referenced are : XXXX XXXX  XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
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: Account information incorrect

Complaint:
I am writing to dispute the information in my file. These items are inaccurate because it reports a balance due, even though I do not owe a balance on this report due to me having a 1099C.  As you know, when a 1099C is furnished, a XXXX balance is to be reported. I am requesting that the items be DELETED to correct the information. Enclosed are copies of an IRS form 1099-C received from XXXX, which states that the balance was forgiven, supporting my position. I have called and disputed several times via certified mail and get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts reporting inaccurately. I have disputed and reach out to all several times and they say the same thing over and over. Please reinvestigate these matters and delete the disputed items as soon as possible. The accounts referenced are : XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2019 - {$400.00} - I was scammed out of {$400.00} by a scammer selling football tickets. The payment for the tickets went through the digital payment service called XXXX/XXXX directly through my banks app - JP Morgan Chase- It was a complete scam ... the tickets and person apparently did not exist. I immediately, as in within the hour of occurrence, contacted the bank ( Chase ) and they said since it appears I authorized it, they will not or can not refund my money. I even opened a claim and the bank closed my claim ; will not refund or make any adjustment to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
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:
After numerous disputes with Experian, they still leave a fraudulent account on my credit report. I have been disputing for years and I am still puzzled at how they are verifying the information. XXXX and XXXX  has deleted the account from my consumer report, Experian has NOT provided me ANY documentation with my signature on it.

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 2020-05-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing because I really need your help. I am being affected by a late payment reported on my Toyota Financial account. This is the account information : Toyota Financial / Lexus XXXX Ac # XXXX, 2019 XXXX XXXX. 

I called Toyota Financial several days trying to get a deferment but I couldnt get through. I was affected by income loss due to Covid19. Toyotas call centers were constantly backed up and I was not given the opportunity to defer the late payments. 

This is being a very difficult situation for me and my family. By the time, I got through to Toyota, I was already marked late. 

I really hope that Toyota makes a decision based on empathy, and takes in count the context of the late payment. I have never been late in the past, and this is a situation that I could not control. 

I am requesting the late payment be removed from my credit report. I think this is the right thing to do for a consumer that has been with you ( Toyota ) for one year, and that has never been late. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR
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 and its debt are unknown to me and it damaging my credit and livelihood. I do not have any financial relationships, debts or legalities with this company because I have never signed any binding contacts stating such. Its unfair that hat it it on my credit reports of the major credit bureaus and I simply want it removed with no negative remarks or statements due to the lack of permissible purposes.

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