BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: SYNCHRONY FINANCIAL
State: UT
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:
SYNCB/XXXX  - XXXX is reporting 30 day late 's on my account. I have never been late on this account. I have never received a notice or a phone call from Synchrony bank that i had a past due balance. I do make my payments on time and i should not have these late 's in 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 2021-05-19
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Around XX/XX/XXXX, I received a call XXXX XXXX from Quicken Loans to seeking my service to re-finance my home. Later on after consultations I realized the name has changed from Quicken loans to Rocket Mortgage. I was told they are the same company by XXXX. I asked if is a misrepresentation and she XXXX said no. 

During consultations and probing to get my business she made me aware that it will not cost me any money to refinance. In the middle of the processing before the someone to visit home appraisal, she told me that, I should put a deposit of {$500.00} down and it will credited to my closing cost. I specifically asked for the reason, because she had earlier told me it wont cost me any amount. Then she reiterate the {$500.00} dollars will be giving back to me in a form of check, after forcing or nudging me to complete a bunch of paperwork online signatures. 
The signature on the mortgage form attached was forged. I did not sign. they said it was attached to the 100th of forms the sent for online signature. Most of the forms signed was on line not on top of my name. 

Finally when I asked for me money back after the deal did not go through. They refused to refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: NJ
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase Sapphire card ending in XXXX. 

Made a Chase XXXX reservation of {$50.00} in XX/XX/XXXX, reservation code XXXX, used Chase card ending XXXX for payment. 
Closed the Chase card used in this reservation in XX/XX/XXXX 
Travel reservation was cancelled for a full refund in XX/XX/XXXX, and the amount {$50.00} was refunded to card. 
I asked Chase customer service what will happen since the refund went to a closed card and was told I should get a check refund in 3 months ( XX/XX/XXXX ). 

We are in XX/XX/XXXX, and there is no sign of the {$50.00} refund. 

I contacted Chase, spoke with a manager, and she does not see the refund. 
I contacted Chase XXXX, spoke with a supervisor, and he confirms the {$50.00} refund was issued back to card used for payment ( ending in XXXX ). 

Nobody knows where my refund of {$50.00} is. 
Where is it, who is holding it and not contacting me to refund?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-16
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:
I HAVE IDENTITY THEFT ON MY EXPERIAN REPORT XXXX XXXX XXXX XXXXACCT XXXX XXXX, AND XXXX XXXX XXXX ... ACCT XXXX ... XXXX ON XXXX XXXX. 
THESE ARE FRAUD ACCOUNT I HAVE BEEN DISPUTING FOR 2 YEARS AND THEY REFUSE TO REMOVE THEM. I HAVE SENT SEVERAL DOCUMENTS FORM THE CLERK OF THE COURTS, AND XXXX COUNTY CLERK SHOWING I HAVE NOT LIVED OR EVER BEEN EVICTED FROM THESE PLACES. THE CREDITOR DOES NOT EVEN HAVE MY SOCIAL SECURITY NUMBER ON THESE ACCOUNTS. XXXX XXXX AND XXXX  ALREADY REMOVED THEM DUE TO FRAUD BUT EXPERIAN REFUSES TO REMOVE THEM/. THESE ARE NOT MY ACCOUNTS THE IDENTITY ON THEM IS NOT MINE. PLEASE HELP ME TO GET THESE REMOVED I AM XXXX XXXX XXXX XXXX THE FRAUD ACCOUNTS DO NOT MATCH MY NAME OR SOCIAL SECURITY NUMBER

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 
Of the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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 2018-05-17
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am current student finishing up my XXXX XXXX. In XX/XX/XXXXdue to family issues I had to take off some time from school. I have been attending part time since last year and returning full time in fall. 

But in XX/XX/XXXX during my transition period of XX/XX/XXXX to XX/XX/XXXX I wasn't able to make payments, but since then have caught up and am in good standing. 

I think its goodwill for the XXXX XXXX to understand that only for a brief time is any able to make payments. This should not count against me because I am in good standing now and at the time circumstances were out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a written request for specific information in order to establish the legitimacy of an alleged debt owed. After thirty days I still had not received the information I requested, nor had I gotten a response to my request. I made a second attempt to contact the company, included a copy of my first information request and a request CEASE and DESIST any and all further attempts to collect this alleged debt, which remained unanswered for in excess of thirty days. Over two months after the initial request I still had not received any type of response. I sent a third request for the information and requested they CEASE and DESIST any and all further attempts to collect this alleged debt. In addition, I requested they refrain from reporting to and/or remove from any credit reporting agencies this alleged debt that is currently in dispute and to provide written documentation that they complied with this request. I have spent months attempting to rectify this problem. I have no desire to escalate my frustration by continuing communications with this company. Its my belief that continuing to report this alleged debt to multiple credit reporting agencies without allowing me to verify the debt is harassment and a bullying attempt to collect an unverified debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021 at XXXX a representative from RMP Services LLC by the name of XXXX XXXX called a number associated with my account associated with a medical bill, failed to verify through any of legal identifiers ... date of birth ... ssn .... address ... if I was the correct party and began disclosing personal and private information to a third party before confirming if it was Same name Jr or Senior situation. When I informed him he became aggressive and his collection tactics became intimidating I asked for his manager and he transferred me to the voicemail. When I called back to get the names and address the rep XXXX XXXX was equally as rude and evasive

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
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: Their investigation did not fix an error on your report

Complaint:
There are several items reporting inaccurately on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX ) I was never late ( 30, 60, 90, or 120 days ) on the following accounts : XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$500.00} ( XXXX XXXX XXXX ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$19000.00} ( XXXX, XXXX, Experian ) The following account is the result of Identity Theft : XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$0.00} XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( Experian & XXXX ) XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$2200.00} ( Experian & XXXX ) XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) Bal : {$0.00} XXXX XXXX  XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian & XXXX ) ; Bal : {$0.00} XXXX - XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; Bal : {$2800.00} XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian XXXX ; Bal : {$130.00} XXXX XXXX - XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$260.00} ( XXXX ) XXXX XXXX - XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$260.00} The following are unauthorized Inquiries : XXXX  ( 6 times ) XXXX  ( 2 Times ) ; XXXX ( 2 Times ) ; Experian ( 2 Times ) XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX   ( 2 TIMES -XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( EXPERIAN ) XXXX XXXX XXXX XXXX  ( EXPERIAN )

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 2018-09-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a workers comp visited ( XX/XX/XXXX ) that had to be approved by the adjuster before I could even go to therapy. XXXX  never contacted me until I moved two years later. ( XX/XX/XXXX) I asked them to contact XXXX & to please stop calling me. They were interfering with my job. Well they kept calling and telling me this is my bill & they now call from multiple numbers, multiple times a day. They dont even leave voicemails anymore. I am tired. I cant answer my phone because I maybe told about a bill that isnt mines its very stressful. I have to block all the numbers they call from so my phone isnt ringing all day & my battery doesnt die.

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 2023-07-10
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:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Math error can not afford payments with math error. 

You will see correct payment after escrow was paid in full of {$1000.00}, they took payment {$950.00} XX/XX/XXXX  ( which is supposed to be {$870.00} ) overage of {$62.00} and minused it from {$1000.00} ( which I paid in full ) then acted like I never paid XXXX  and say now my escrow balance is XXXX  ( because of the overage I paid of {$62.00} and are dividing THAT into 12  months. So it equals identical amount of the correct cost of XXXX  + XXXX  into XXXX. 

Last explaination they told me was they ran escrow 3x and when then ran escrow again in XX/XX/XXXX they said the system said Id be short {$950.00} for NEXT year. ( which isnt true because the math I did was exactly matching what I said. ) I said even if so my insurance paid XX/XX/XXXX and you cant jump ahead and just keep running escrows. I said when I paid escrow of XXXX  it was approx 5 days after you told me my shortage. You just cant rerun to say I owe more 2 months after the fact its done once a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My Capital One credit card was paid off, XXXX balance in XXXX XXXX. Cap. One reported to the credit bureaus my acct was past. In XXXX XXXX, Cap. One reported the acct 90 days past due. In XX/XX/XXXX, Cap One reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to XXXX in XXXX XXXX File noXXXX. Cap. One responded to XXXX acknowledging the account was paid off in XXXX XXXX. Eight months later, Cap. One still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. Cap. One has knowingly and purposely caused negative affects to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 submitted a request for XXXX XXXX, Transunion, XXXX  and XXXX  to provide How they verified the Bankruptcy reporting on my credit profiles. I have a letter from the BANKRUPTCY COURT saying they DO NOT verify this information with the credit reporting agencies. Transunion, XXXX  and XXXX  claims to have received this information from XXXX. However, using a 3rd party to verify ( XXXX XXXX XXXX, is a VIOLATION of the FCRA. The credit bureaus, or required to verify this information themselves. Furthermore this account is reporting inaccurate on all three bureaus. Transunion and XXXX  is listing the open date as XX/XX/2015 and XXXX  is reporting XX/XX/2015, There is no way this account was opened on two different days. Transunion is reporting the reference number as XXXX. XXXX  is reporting XXXX and XXXX  is reporting XXXX This is an inconsistency. If this information is coming from the same furnisher then why is it so vastly different. Transunion is reporting the court name U.S. Bankruptcy Court. XXXX  is reporting US BKPT CT MS XXXX and XXXX  is reporting Federal. This is an inconsistency. IF this information is coming from the same furnisher then why is it so vastly different. They have failed to verify this account because even after my initial investigation they still reporting inaccurate and inconsistent information ...

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 2023-07-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09
Company: ALLY FINANCIAL INC.
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
In XXXX XXXX, I leased new XXXX Chevrolet CRUZE. On XXXX XXXX, XXXX, I lost my employment and monthly income. I could no longer drive the car and could not make the monthly lease payments or automobile the car and could no longer pay the insurance payments. I contacted Ally and explained my situation and wanted to voluntarily turn in the car. 
There reply was that I would need to pay the balance of the lease in the amount of {$2700.00} and then turn in the car. They wanted me to drive the car to Maryland. I once again stated that I could no longer drive. I stated this was not possible. On XXXX XXXX I once again contacted Ally and restated the circumstances and requested they pick up the car at my residence before XXXX XXXX when the insurance would expire. I next contacted Ally on XXXX, XXXX, and was told they were working on picking up the car and would contact me and let me know when the car would be picked up. As of today, XXXX XXXX, XXXX, I have not been contacted,

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 2018-05-17
Company: LJ Ross Associates
State: PA
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 moved out of my home on XX/XX/2015. At that time I spoke with a customer care agent at XXXX XXXX so shut off my electric service. to this day the account shows " open '' and I have a balance of XXXX which is incorrect. I have tried multiple times to dispute this. If XXXX would pull their calls from XX/XX/2015 they will here myself and the customer service rep confirm that service should be shut off at my address. The last address they should have it in XXXX PA XXXX I do not recall the street or house number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Derogatories disputed and verified as accurate on XXXX XXXX XXXX XXXX XXXX {$1400.00} which was sold to XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX {$940.00} XXXX XXXXXXXX XXXX   XXXX Equifax : XXXX XXXX   XXXX $?.?? XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: DISCOVER BANK
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief