BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
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 got a prepaid card to build credit. ALWAYS PAID ON TIME. I was never late and it fifth third reported negatively to my credit on multiple occasion late 60 days or more. Which is incorrect and a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: AES/PHEAA
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:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Signature Home Lending Inc
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Here is the issue ... there was apparently not a complete inspection done on this house, as after i closed on the house I fount that the appliances that came with the home did not work, and there was a lot of things still left incomplete construction on this home and then on XX/XX/XXXX the homes price went from XXXX to XXXX during the time I was in closing on the home and they never lowered the cost of the mortgage at all during that time and still charged me XXXX for a home that was not worth that price as the home had lowered in cost not to mention the broken appliances in the home and the unfinished work in here. tHEY ALSO NEVER DISCLOSED THE FACT THAT THE HOME WAS FLOODED AT SOME POINT and they did try to hide this fact with paint on the interior of the home. they never told me that I could get an independent appraiser for the home and did not tell me I could get my own realtor either. They kept the home on the market the entire time I was purchasing it and only recently did they change that to pending sale and I have already closed on the house. I have written to the realtor involved about the broken appliances and the water damage as well and he just brushed me off and said I should be grateful to own my own home. I just closed on this home on XX/XX/XXXX and I need help for this situation ASAP! I lost a whole lot of money by buying this home since my mortgage loan is XXXX, and the home is only worth XXXX and actually less than this as there are many many things wrong with this house.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a piece of mail from a collections agency saying I had been turned over for collections by Synchrony Financial. I was confused as I am up to date on that loan. I called Synchrony and they told me that they did not turn me over and that I was current on my loan. 

This game debt collector had my address and the exact balance that was due last month,

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 2019-07-19
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Medical Revenue Services has repeatedly harassed me by persisting in calling me both at work and on my mobile after I have told them at least three times that I wish only to be contacted by mail, never by telephone, and they should never call my place of employment. They called me again today, XX/XX/XXXX on my mobile. They called me yesterday at my place of employment, XX/XX/XXXX. I have witnesses ( other employees that answer phone at work ), that they have called repeatedly after being told not to contact me on the telephone. They call my place of employment at least twice a week, and my mobile more often than that. I continue to attempt to block them, but they just call from a different number and continue their harassment. I have asked at least three times to only be contacted in writing at my home address which I have verified with them.

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 2018-01-15
Company: Experian Information Solutions Inc.
State: MS
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:
Account # XXXX I started disputing in XXXX with Experian and XXXX concerning a reported late payment with XXXX XXXX from XXXX XXXX. The results of their investigation came back Verified and Updated. 

XXXX, I sent a letter to XXXX XXXX about the late payment and received a quick response from them stating that they have no record of the late payment since they do not maintain records going back that far. I am in shock that these companies claimed to have verified this account since this a clear untruth. I will include the letter sent as proof of my claims. 

This violation is, I believe, covered under FCRA Section 623 by refusing to correct inaccurate information. All I ask concerning this account is for these two companies to correct this account and report it as Paid As Agreed / Never 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 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 paid the account in full for the amount of {$160.00} on XXXX XXXX XXXX. Still, the account was placed in collection for the amount of {$170.00}. I disputed the charges with the credit reporting agency, Transunion, in XXXX XXXX but they refused to close and remove from my credit report. 

XXXX and XXXX were provided the same information and has resolved the issue however, Transunion has failed to do so.

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 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX ; XXXX  and Transunion are reporting incorrectly on the XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) I never authorized this account to be opened ; I never signed these documents ; and consequently my signature was forged. I have attached a copy of the XXXX Retail Installment Contract and Agreement dated XX/XX/2018. I have contacted the ( 3 ) bureaus to have this issue resolved, however I have not been successful. Reporting of this fraudulent account is hurting my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
called equifax spoke to rep cant get a copy online of my report and items are still reflecting on report in error

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been paying an interest rate of 22.99 APR for purchases which should be charged at 14.99 APR.  Spoke to XXXX at Ohio Customer service her Supervisor XXXX and then to XXXX of Discover Support Team of which none would understand since there records does not show any cash advance since it only go back seven years. The interest rate of 14.99 is being charge to a balance of XXXX which amounts to a charge of XXXX cents. The Cash Advance subject to the 22.99 APR is XXXX interest charge of XXXX monthly. 
I have never requested a cash advance of XXXX my last statement shows I have a cash advance limit of XXXX of which XXXX is still available it seems like discover is charging interest rates and adding them to cash advance to be charge a even hire rate. they seem to single out elderly, women, and minorities. I need your help urgently. statement balance is from XX/XX/XXXX and I spoke to above mentioned Discover Reps on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: The Outsource Group, Inc
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/19 I contacted Medicredit Inc. after my parents called me advising that they received a letter for me. At that point, I contacted your office and recorded the call to figure out what this was about. Please be advised, that I recorded the call and have had a friend of mine who is an attorney in creditors rights listen to it. They have advised that I am entitled to damages for your office violation of the FDCPA. 

In the call, the representative refused to provide validation of the debt to my proper address in TX as well as refused to answer the dispute in writing to my address in TX ( as I advised them they had the wrong address and took no action to get the correct address ). 

Further, when I asked when the collection amount was due she said " its due immediately '' which can be heard in the attached recording. This is a clear violation of the FDCPA as well as case precedence guaranteeing my thirty-day dispute window.

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 2019-07-19
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX are reporting incorrectly on the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) I never authorized this account to be opened ; I never signed these documents ; and consequently my signature was forged. I have attached a copy of the XXXX Retail Installment Contract and Agreement datedXX/XX/2018. I have contacted the ( 3 ) bureaus to have this issue resolved, however I have not been successful. Reporting of this fraudulent account is hurting my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I missed 1 payment of about {$100.00} due to illness and I just forgot. I got my next monthly statement on XXXX/XXXX/XXXX stating that my payment was late and that my next due date was XXXX/XXXX/XXXX. But a few days later I began receiving calls at work 2 to 3 times a day for about 4 days. The. they called this past Saturday & Sunday too. This has been the only payment I 've been late on in about 5 years. I consider their actions harrasment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: NCB Management Services Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on Friday XX/XX/2019 THEY CALLED AN ALT NUMBER AND LET THE PERSON KNOW THEY NEEDED TO CONTACT ME ABOUT A DEBT, THEY GAVE THE PERSON INFORMATION ABOUT THE CAR AND THE SETTLEMENT AMOUNT THEY WANTED TO MAKE WITH ME, I DID CALL THE COMPANY BACK ONCE THE PERSON TOLD ME ABOUT THE PHONE CALL AND SPOKE TO REPRESENTATIVE AND TOLD HIM ABOUT WHAT HAPPENED AND HE LET ME SPEAK TO THE SUPERVISOR, I TOLD THE SUPERVISOR ABOUT CONVERSATION AND HE SAID HE COULD PULL CALL BECAUSE CALLS ARE MONITORED, BUT THEN HE SAID PERSON WAS DESK AND PUT ME HOLD AND SPOKE TO THEM WHEN HE CAME BACK HE DID SAY REP GAVE INFO TO PERSON THAT HANDLE CALL NOT REALIZING THAT WAS AGAINST THE LAW-I LET SUPERVISOR TO TAKE MY NAME AND ALL NUMBERS ATTACHED TO MY ACCT OF CALLING LIST-THE NAME OF THE COMPANY IS NCB-MANAGEMENT IN XXXX PA-XXXXPLEASE HELP ME IN THIS CASE THAT WILL NOT HAPPEN TO ANOTHER CONSUMER-XXXX XXXX  SUPERVISOR NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX are reporting incorrectly ( 90 ) to ( 120 ) days late on the XXXX partial account number ****XXXX-XXXX. ( Please page 9 of the attached credit report. ) My XXXX  XXXX payments were being sent by the State to my ex-wife directly on a monthly basis. There was an accounting error on the States part by not taking out the appropriate amount on my first paycheck and consequently the payments never caught up so there were late charges. I was never notified of this account error, no letters, no telephone calls, no email correspondence, or any attempt to let me know that I was delinquent. I did not know of this delinquency until I filed my taxes. This accounting error was not my fault. I have contacted the two bureaus to fix this, however I have not been successful. This incorrect reporting is harming my credit score and these lates need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXX XXXX about a medical bill that was disputed back on XX/XX/XXXX that the validation of the debit wasnt mines. The company was unsuccessful at validating this debt they didnt have a contract or my signature they couldnt prove anything and the debt was removed. I receive a letter in the mail on XX/XX/XXXX and I wrote the letter telling them the debt doesnt belong to me and they sent a letter back stating a account number and balance no contract no nothing so now today they added this debt to my credit report without proving once again this debt is mines

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 2019-07-19
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan for {$8400.00} " around about '' 2 years ago then about a month ago of this year they offered me to skip a monthly payment if i took out another loan so i agreed and asked for a XXXX $ which they denied and said i can get XXXX $ and i agreed to that. What i did not agree with is them Refinancing my loan. In the 2 years i paid XXXX a month and dropped total amount including interest down to around XXXX. That was the total amount left on the account when i took the XXXX $ loan out to skip a month. Now my total account balance is XXXX $ after i made this months payment of XXXX. I did sign new paperwork that i was informed was for the XXXX $ i received and the interest. This will be my first payment on this account since i received the XXXX . I can explain for in depth if needed. 

Thanks, 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 2018-01-22
Company: Experian Information Solutions Inc.
State: MO
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:
Experian is reporting both my birthday and SSN incorrectly. In connection, it also is allowing that a late payment for XXXX XXXX, a company that services prepaid debit card accounts, be reported as a delinquent credit account on my current credit report. I do not, have never heard of, nor inquired of a XXXX 'credit ' account. This account is erroneous. It does not even exist as a known, recognized, possible available option for a credit account. 
Having used the XXXX XXXX Pre-Paid Debit Card in the past, however, it did not afford an opportunity to spend beyond the predeposited account threshold. 
I have no familiarity with a XXXX XXXX Credit Account. I absolutely did not request any XXXX XXXX service beyond pre-paid debit account with the company in years past. 
This overdrawn XXXX XXXX credit account of {$320.00} does not nor has it ever belong to 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 non-monetary relief
Consumer complaint received 2019-07-19
Company: Experian Information Solutions Inc.
State: WA
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 the course of applying for a job, I discovered a collection account on my credit file from XXXX and XXXX on behalf of XXXX XXXX XXXX XXXX for an ER visit to XXXX XXXX XXXX XXXX on XX/XX/17, in the amount of {$1200.00}. This report is fraudulent, as I was not in Nevada at the time and have not used any ER services in over 10 years. I did drive through Nevada  on XX/XX/17 and XX/XX/17 and used my credit card to purchase gas and food. But I have not been back since. 

I disputed the information several times in XXXX with both XXXX and Experian, and after speaking directly to a representative from XXXX and XXXX who confirmed that the report was fraudulent, filed a police report with the XXXX XXXX police. I also sent a letter to XXXX and XXXX formally disputing the debt. They sent back their records, which confirm that the person who went to the ER that day was not me. 

Despite this, both credit bureaus simply rubber stamped the report as correct, every time. So today I spoke to another XXXX and XXXX representative, who again confirmed that it was fraud, and said he would escalate the issue. I then called back XXXX, who gave me the runaround and eventually hung up on me. This is an outrage, and may have cost me a job because the credit unions, as well as XXXX and XXXX, failed to do theirs.

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 2018-01-15
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
my house was flooded XX/XX/XXXX by Harvey. asked bank to set aside payments for three months so I could rebuild and repair. they did, now they expect me to bring account currant. that 's not what I asked for, wanted payments put to end of note, they are giving me a hard time, want all types of re-documentation that is completely not needed. they keep saying something about the va response they are needing, but will not explain what that is in any understandable form of English. I '' ve had other banks do payment moving with out any of the issues this bank is trying to pull. All my payments on this loan since the start ( XX/XX/XXXX ) have been on time. XX/XX/XXXX and XX/XX/XXXX payments have been made XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX where put aside. FEMA paid  {$16000.00} toward repairs, and i : ve spent over {$22000.00} so far and still no done completely. there is no way to pay {$3400.00} they are trying to collect to bring currant. the bank is Dovenmuehle phone # XXXX XXXX XXXX loss mitigation dept. they have my FEMA claim number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: AMERICAN EXPRESS COMPANY
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:
Please review complaint no. XXXX again. American Express is misleading you by saying its a duplicate. In the first XXXX reply they said I should pursue XXXX XXXX for a refund. I contacted XXXX and they said the error was caused by XXXX and not XXXX and that the refund must come from XXXX. 

Pls ask XXXX to refund {$990.00} to my credit card account. Their letter to me saying they will stop responding to this complaint makes no sense as I followed up with the airline as they instructed.

Company response to consumer: Closed with monetary relief