BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-23
Company: Experian Information Solutions Inc.
State: OH
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 fraud. I had some issues with fraudulent addresses appearing on my credit report. Someone has been using my ID and SS number to apply for account in my name. Please delete/remove the folowing addresses : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX I have a numbers on my credit rreport that do not belong to me on my credit report please delete they are not mine numbers. ( 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 I have account that I have disputed already from XXXX XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX   XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX  XXXX # XXXX**** XXXX 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 non-monetary relief
Consumer complaint received 2019-06-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I traveled to XXXX on XX/XX/XXXX-XX/XX/XXXX, while i was there I was mainly using Chase Visa Card for all my purchases from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also used XXXX XXXX visa card on XX/XX/XXXX. I paid all my purchases in Euro because I know when it converted to US , i will get a good rate and also I dont get charge for 3 % transaction fee. Unbeknownst to me, Chase used XXXX-XXXX exchange rate, while XXXX XXXX used XXXX-XXXX. As a valued customer, i felt being taking advantage by Chase. I have been Chase client for a long time, i also have deposit product with Chase. This is not how you treat your value customer. I tried to talk to Chase and they said it wasnt them that made the decision about exchange rate, it was XXXX XXXX and I contacted XXXX XXXX they said it wasnt their decision either. I know that XXXX XXXX issued the base rate to all banks and its up to Banks to increase that rate, I understand they are in a business to make money BUT they are too greedy. The fact that XXXX XXXX charged that rate, Im sure that XXXX XXXX still made a good profits. Im writing this letter to ask for financial justice, I do not want to consult with lawyers unless i have to. I only want whats mine. I want Chase to basically refund me the overcharged for all my purchases during that period of time using XXXX XXXX exchange rate. I will also attached my credit card statements from Chase and XXXX XXXX for your review. Thank you and looking forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: MD
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:
These loans we're taking out in XXXX, on my credit report it states I opened the accounts in XXXX, there also reporting inaccurate balances, I spoke with Representatives from XXXX and XXXX, XXXX ID # XXXX From XXXX  and XXXX from XXXX, both informed me that nothing has been reported since XXXX but according to my Experian credit report there still reporting late payments along with other inaccurate information, which is a direct violation of the Fair credit reporting act.

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 2018-11-11
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We purchased items from XXXX XXXX XXXX and took advantage of the offer of free financing for a period of years. This required us to get a branded XXXX XXXX XXXX credit card issued by XXXX XXXX. We immediately set up automatic bank drafts to make the required monthly payments. We even made the payments two weeks before the deadline. After the 1st payment was made, we received multiple phone calls from XXXX XXXX indicating we were late in payment. We ignored the first month 's phone calls thinking that they had made a mistake. We then made our 2nd required payment and despite that, received a new set of phone calls the next month. We then spoke with representatives at XXXX XXXX who advised that they had made a mistake and that our account was, in fact, current and up to date. They removed the interest fees and late charges that were incorrectly placed on our account at that time. A few months later, we started getting more calls about how we were late with payment again. Once again, we spoke with Synchrony 's customer service people and were told the messages were in error. 

In an attempt to stop this from happening again, we made two extra installments on the account so that even if their system did not reflect a payment from us ( despite us sending it to them at least a couple of days before it was due ), they would then apply one of those payments. Needless to say, that hasn't happened. 

Just last week, i received another notification from XXXX XXXX that our account is delinquent and that I owe all of these additional charges to include late fees and interest payments. I can provide you a record of all the payments that have been made to XXXX XXXX which will show how the bank has accepted all of these payments well before the payment deadline and in amounts greater than what was required. 

It is our opinion that Synchrony does not want us to pay the item off in the allotted time with no interest in that they will make much more money if the account is not paid on time. Clearly, there is fraudulent misrepresentations and intentional and material fraudulent accounting. Looking at other complaints on the Internet, this is clearly a pattern of fraudulent activity on behalf of Synchrony to illegally generate fraudulent fees and revenues from consumers who pay their bills on time.

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 2021-10-16
Company: TrueAccord Corp.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
they released my personal and private information to a third party via text. 
they gave my name and amount owed. 
they texted an old phone number and the new owner was able to contact me and let me know he took screenshots from his phone and sent them too me iv attached the screenshots. 
the old number was XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX United Wholesale Mortgage loan # XXXX Mr  XXXX refinanced the loan and had {$1900.00} due back to him upon closure. UWM sent a check made out to Mr. XXXX and his deceased wife for that amount. He notified UWM that she deceased and sent in a death certificate. On XX/XX/2021 they acknowledged in writing that they received the death certificate and would send out a replacement check. No check was received so in middle of XXXX Mr. XXXX folllowed up and they said they would send the check within 10 days. No check was sent. In Early XXXX he contacted them again they said they'd send out a check again ... no check. XX/XX/XXXX followed up again. They said a check would go out ASAP and would call Mr XXXX back to confirm that the check went out. Still today, XX/XX/XXXX, nobody has called back and no check has been received. These people are continually lying and not paying Mr. XXXX the {$1900.00} that they owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There are XXXXwo accounts on my credit report I did not open. XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX  account # XXXX. Also, there are 3 accounts that are passed the statutes of limitations since the account was originally first reported on my report. These accounts have been well passed 7 years of reporting on my report. 

These accounts should have already been removed or deleted from my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. All 3 accounts should be removed immediately. These hard inquiries I did not make, nor did I authorize for 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account without my written consent.

My credit report also has in accurate reporting. All information reported should match up on all 3 bureaus the exact same way. A lot of the dates are different on each bureau, the amounts of balance owed is completely different on all 3 bureaus.

There are many errors throughout my credit report. Please check for accuracy.

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 2020-04-30
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING LLC ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$740.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2019, XXXX XXXX promised me a corrected updated credit report and they never mail it to me. I do not have my XXXX report that shows XXXX 's XXXX. damage is off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
back on XX/XX/XXXX we discontinued our cell phone service with XXXX  and from XX/XX/XXXX to XX/XX/XXXX i made payments to pay off the bill.i should of owed {$110.00} according to my records and attempted to pay them at the end of XX/XX/XXXX.talked to several people to try and make a payment but no one could find me in the system. finally using my social a guy was able to open up my account. he told me that my balance was paid and thats why i wasnt in the system.i told him i thought i still had a balance and he said if he finds anything other then what he told me, he will call or mail me.so now 4 months later out of the blue i get a collection notice from a place called XXXX.i called them right away on a friday evening and explained to them the above. they said send them a dispute letter, you have 30 days. i sent out the dispute letter 2 days later.maybe even one day later. i also called the 3 credit bureaus and asked if they had anything with XXXX, either opened, closed, late.they said absolutely no.i then called XXXX. i was transferred at least 6 to 8 times. no one would address this. finally a woman in the retention dept told me that its hard to find anything because someone sent it to XXXX.she did say however she is showing 4 lines were paid up and that the other has a {$100.00} to {$140.00} balance.i told her thats what i had but was told i owed nothing. i asked another manager for a copy of the phone conversation i had in november and he said hed call me back.never did.so now 7 months later, without even any notice a place called dci consultants puts a derogatory remark that i owe them {$630.00} for XXXX.i got an alert and my score drops 45 points. XXXX never called me back to tell me if they disputed my dispute. since 7 months went by i assumed they and XXXX were satisfied with my dispute.dci never once contacted me to see what was going on.they must of known they were the second ones trying to collect a paid debt but didnt seem to care.either that or XXXX lied to them.never sent me a letter or call to explain to them or dispute this once again which i shouldnt have had to.they just went ahead and blatantly puts this on my reports. i have disputed this with 2 credit bureaus, XXXX XXXX, and also a dispute letter to dci was mailed onXX/XX/XXXX.im including the XXXX notice from them and my last statement i ever received from XXXX. it might be hard to read because i put all my confirmation payment numbers on it since it was all i had. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Hawk Inc
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Company harassed my ex girlfriend via social media about my account which is very unprofessional and a breach of trust. My ex girlfriend should not know what is going on with my personal business. New associate felt because she knew my ex girlfriend she could provide her with my information via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage initiated with XXXX  XXXX XXXX XX/XX/XXXX, than transferred to Ocwen Loan Servicing. My last payment on the mortgage account with XXXX  XXXX XXXX was in XX/XX/XXXX. The mortgage loan was initially modified by XXXX  XXXX XXXX prior to being transferred to Ocwen Loan Servicing. I sent 3 mortgage payments to Ocwen Loan Servicing. After Ocwen Loan Servicing received the 3 payments they submitted fraudulent documents for me to sign to double my monthly payments, which caused my home to go into foreclosure. I was forced to moved out of my home after all of the harassing phone calls from Ms. XXXX XXXX. Ocwen Loan Servicing are monsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX is the new loan servicer on an alleged reverse mortgage on my mothers home. There is court action at present. XXXX XXXX has continually knocked on my mothers door. Pounding on it for her to fill out an annual occupancy form. The normal route would be to send it in the mail. These people have no ID, will not leave a business card and for the first 2 weeks would not leave the form. 1 person did tape it to the door. My mothers Attorney has contacted XXXX XXXX   prior to this to inform them all communications will be handled through his office. XXXX XXXX  has chosen to ignore this. The annual occupancy form was filled out and given to my mothers Attorney who did in fact forward it to XXXX XXXX. He has proof of receipt that XXXX XXXX  received this form. XXXX XXXX is continuing to send people to knock on my mothers door. We do have cameras and a ring door bell. All of this is recorded. My moms Attorney has been informed of this as well. At this point XXXX has received the document they requested and any further door knocking is harassment, senior abuse and scare tactics. My mother is a senior citizen and does not open the door as most seniors do not .She is also represented by an Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had numerous issues with Citibank failing to apply my payments to my credit card. As I live in XXXX at present, they have only one mechanism for accepting my payments -- XXXX XXXX XXXX XXXX. Most recently, I sent a XXXX XXXX XXXX XXXX Payment on Friday, XX/XX/XXXX. These payments take 15 minutes or less to send from XXXX to Citibank. However, Citibank regularly fails to promptly apply these payments. This has resulted in late fees that I have had to fight on numerous occasions in the past, when my payment is sent and received, but never applied by CitiBank. 

I contacted Citibank again today regarding Friday 's payment, and they stated that have " no record '' of a pending payment. They have made notes in my account, but I am not confident that this will be the end of the problem. 

I am exhausted from dealing with this issue. I do not want to ruin my credit score, but I am not feeling safe sending them money when they so regularly try to claim I did not send it. Each time, after hours of fighting with them and mountains of evidence that I have to collect and send them, they finally admit that it was an error on their end. I should feel safe sending money to a credit card company ; what is happening right now is no less than attempted theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: 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:
On XX/XX/2020 i submitted a dispute letter to XXXX  in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays XXXX  recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

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 2018-11-11
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I contacted Citibank regarding my credit card today, XX/XX/2018 to resolve a payment issue. 

The customer service representative told me that he noticed I had not used my card in quite some time, and that I would need to use it or they would have to close my account. I explained that I have had numerous payment issues and disputes, and that because it is so difficult to make my payments from XXXX ( where I now live ), that I would not be using my card. He again stated that he was encouraging me to do so to prevent the card from being closed. I stated that I felt he was being dishonest, and told him that I did not believe it was true that my account would be closed if I did not use the card. When he did not respond at all, I then asked if it was true. He quickly changed the subject and refused to return to a discussion about his earlier statement. I let him know that it is highly unethical to pressure someone into using their credit card when all they want to do is pay it off, and asked if he felt that was ethical. He refused to answer the question, and again changed the subject and avoided the topic. 

I am highly concerned about practices like this. I have a high balance that I have been paying double the required payment on for quite some time. It is obvious that I am working hard to pay off my balance. Pressuring me to add to that balance, and lying in order to try to convince me, is highly unethical.

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