BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
Company: National Credit Systems,Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2021 I attempted to collected information on XXXX accounts with " National credit system Inc " that posted on my XXXX XXXX. I called in at XXXX cst and Spoke with an agent " XXXX XXXX XXXX who I requested a Debt validation letter to be sent to me he refused and began to get agressive and irate and yell and tell me that I will not get a letter unless the debt was paid. I then informed him that tha was illegal and that I have the right to request for a letter as stated in the FCRA he continued to yell and cut me off and not let me speak then hung up on me. I have reported him to his supervisor by leaving a voicemail at XXXX cst as well as requesting for a follow up. This behavior from the XXXX XXXX  who represents the company makes it difficult for me to get my credit score corrected and has affected me in more ways physically and emotionally and nobody should suffer or have to deal with difficulties when trying to correct or solve their credit debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card
Issue: Rewards

Complaint:
I received an offer from Marriott for a Marriott Rewards Visa card from Chase ( see Postcard attached ). I applied, as directed, on website MarriottRewards.com/XXXXPoints. I printed the offer details from the website ( see XXXX XXXX Visa Offer description attached ). I was approved and received a Welcome to My Card email from Marriott ( attached ). As you will see from the attached documents, the offer included XXXX Marriott points after {$3000.00} in purchases during the first 3 months, as well as XXXX points for adding another authorized user. I fulfilled the {$3000.00} requirement, and expected to see XXXX bonus points added to my account. Instead, only XXXX points were awarded ( see attached My Marriott Account document ). I telephoned Marriott on XXXX XXXX and XXXX, 2016 and was told that Chase generates all reward points - Marriott itself does not generate these points - however, the correct number of points is definitely XXXX ; a XXXX point offer from Marriott does not exist. I telephoned Chase on the same dates, and was informed that, yes, I did meet the {$3000.00} purchase requirement, but that I was " put into '' a XXXX bonus point offer, with XXXX points for adding another authorized user. When I explained that this was NOT the offer for which I applied, I was told that that was the offer they decided to give me. Chase apparently took it upon themselves to give me a credit card offer FOR WHICH I DID NOT APPLY. When I questioned this " bait and switch '' tactic, I was told to contact Marriott. I called Marriott a second time on XXXX XXXX, and it was confirmed that the offer was, indeed, for XXXX bonus points ; that no XXXX point offer exists ; that adding an authorized user awarded XXXX points, not XXXX ; that Chase would need to rectify the situation by awarding me the additional XXXX points due to me ; and that the details of this issue were being notated by Marriott, should they need to be verified at a later date. I am reporting this issue to you, since it does appear to be a bait and switch tactic. I applied for the Visa card that was presented to me in Marriott literature, and this was not honored by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have requested a method of verification from each credit bureau. Each time the credit bureau has neglected to provide me their method of verification. This is my third tie=me submitting a complaint and my FCRA rights are being violated as I have a right to the documentation they used or receive to verify this debt. They keep coming back with verified by the furnisher, how and what proof do you have or the furnisher that verify this debt as the court do not verify. These XXXX credit bureaus are playing games and is stalling, it took them over 30 days the firs time and again I asked for A15 day method of verification and still again nothing. Under FCRA Section 611 they have to provide their method of verification and you guys are keep closing my XXXX disputes. I want this public record DELETE NOW. I WILL SUE FOR WILLFUL NON-COMPLIANCE UNDER SECTION FCRA B 616. THIS IS MY THIRD XXXX DISPUTE AND THE CREDIT BUREAUS ARE IN VIOLATION. DO NOT CLOSE MY COMPLAINT UNTIL THIS ITEM IS REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Phoenix Financial Services LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Phoenix Financial reported an account on my credit report on XX/XX/2021. I had not received any documents from this company before they reported this account on my credit report. This is against the law! The company sent a settlement letter to me dated XX/XX/2021. See both attachments. You will see the date the account was reported on my credit report and you will see the date of the settlement letter, which is after the account was reported on my credit report. Again, this is against the law. A COMPANY CAN NOT REPORT AN ACCOUNT ON MY CREDIT REPORT WITHOUT FIRST SENDING A LETTER ADVISING OF THE ACCOUNT AND GIVING A XXXX  DAY PERIOD TO REQUEST VALIDATION. PHOENIX FINANCIAL DID NOT PROVIDE THIS LETTER THAT IS REQUIRED BY LAW BEFORE THEY REPORTED THIS ACCOUNT ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My former mortgage lender, Chase Bank, is foreclosing on my home, even though they sold the mortgage to another bank ( XXXX XXXX XXXX ) two years ago. I receive statements from XXXX and Chase Bank has no longer any legal interest in the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Specialized Loan Servicing Holdings LLC
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a HELOC  with XXXX XXXX XXXX  secured by my home. I owe nothing on the mortgage or theHELOC. 

When bank was sold to Specialized Loan Servicing my loan documents were apparently sent to a wrong address. I knew nothing of change until a check on my XXXX   was returned for NSF. 

I have called Specialized more than 20 times and have spent hours on hold. Every customer service agent says to email them a change of address request and copy of my drivers license. I have done this five times. 

I have repeatedly asked that they either send my documents and check blanks for my HELOC  or release my mortgage so that I can take my business elseware. I have a mid XXXX credit rating and will have no problems replacing their loan. 

It appears that since they refuse to release my mortgage or honor our loan agreement that they are hiding something. I think that they are stealing my identity for some reason. 

They will not give me a name or phone number of one person who can fix this.

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 2021-03-18
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
account re added the same XXXX  account to my collection with out a XXXX  day reinsertion notice, by a new debt collector was with XXXX now with Afni, XXXX reported I owe {$190.00} Now Afni report I owe {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I sent a letter asking all Credit Reporting Agencies to send method of verification of debt which all fail to do so. Which they had 15 days to respond From the second dispute receipt of the letter. I have not received anything from no credit reporting agency. Please see attached documents that were submitted to all credit reporting agencies.

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 2022-04-10
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021, I sold a house and the private lender was paid in full on XX/XX/2021. 
However, the company, XXXX XXXX XXXX and its Servicing company, Fay Servicing failed to record the Cancellation of Security Deed until XX/XX/2021. 

I received a letter from Fay Servicing , LLC ON XX/XX/2021 to inform me my right to demand {$500.00} in damages due to their failure in the event a copy of my Satisfactory/Release/Discharge/Reconveyance was not provided to XXXX XXXX recorder within 60 days of payoff. 

I have since wrote them XXXX times, email the company XXXX times, contacted the company by phone XXXX times and it appeared that the company is as evil as it can be. 

The excuse I received by email was that on the date of the closing, the mortgage was sold to another bank, which Fay Serving did not send me any notice in writing of such event, nor did XXXX XXXX XXXX. 

I would like to file a consumer complaint for their shady practices and to pursue the damages entitled to me. 
And I would like to know if there are other victims from doing business with these XXXX companies for potential XXXX XXXX lawsuit, Thnak you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
This is a follow-up complaint for a recent complaint I filed in case number XXXX. Rather than start a new complaint, I 'll explain additional details under this case number. 
Today ( XXXX XXXX, 2015 ) I received a letter from Synchrony Bank concerning a credit due to my credit card account ending in XXXX. The letter states that " According to our records, your credit of {$960.00} was applied to your account on XXXX/XXXX/2015. You can find this credit on a previous billing statement. '' The letter was sent from the Customer Service Department. Having all my previous statements in hand, I know the above quote from the letter is patently false. 
I called Customer Service yet again today to ask them to explain the letter and point me to the statement that contained the applied credit. I spoke with customer rep " XXXX '' who told me that the letter was not in error-that it referred to when I opened the dispute. Clearly the letter says nothing of the sort. She absolutely would not concede that the letter was in error in stating that the credit was applied to my account on XXXX/XXXX/2015. 
Noting it was clearly futile to argue the point, it is clear to me that this is an effort to XXXX on the part of Synchrony Bank in anticipating a complaint investigation. I highly resent these tactics, given the time and consternation this has caused me in this matter. A simple " mea culpa '' admission and correcting the matter would suffice. However, to prolong such a matter in this way is despicable. 
I want to make this matter a part of my complaint and keep the record factual. I 'm attaching a copy of the letter for the record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: The CMI Group, Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Ive been getting calls from XXXX. 
They want my address and the last four of my SSN number. They state they are calling from Credit management LLC. They dont want to give out their name. 

I find it quite odd that when I withdrew my retirement annuity from XXXX that The phone calls started. 

I told them to send me a letter and I will check with FTC and XXXX  ... they put me on hold for 10 minutes. I hung up and called the same number back and before I could say hello, they already had my name.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Theyre saying theyve verified my information, but that is a lie. They have not shown me an original contract. Theyve shown me an itemized statement. Theyve have not shown no record of additional identification of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
The three bureaus continue to report inaccurate medical information on my credit report. They are originally removed and placed back on my credit profile causing impact and violating my rights and HIPAA rights and need to complain. IN addition there are collection accounts for and account I never had and showing open yet in collection and no proof of contracts have yet to be provided in my 3rd attempt.

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 2021-03-18
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My HELOC loan was transferred to Loancare ( Tel XXXX ) from XXXX-XXXX  on XX/XX/2021. My loan number # XXXX shows up in their system but the website is not allowing payments and I can not get a payoff quote when contacting them by telephone. My pay date is XXXX so I don't want to go into default on the loan, which is why I'm trying to pay off the entire amount. I have called at least 5 times and I get different information every time I call regarding when and how I can make payments, but I'm never allowed to make any actual payment! If you need to reach me call anytime at ( 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 2021-03-18
Company: Experian Information Solutions Inc.
State: NY
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:
I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THIS ACCOUNT TO MY CONSUMER REPORT!!!!! EXPERIAN, XXXX, XXXX  ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. IM A PROTECTED CONSUMER AND KNOW MY RIGHTS!!!!!!

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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
On the Credit Report XXXX, TransUnion and XXXX the account and name and amount are incorrect

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 2022-04-10
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I subleased an apartment before I moved back to XXXX. I was not responsible for any payments on the apartment because everything was set up wit XXXX XXXX Apartments before I left. I attempted to reach out to XXXX XXXX but they are no longer there, it is now a different neighborhood. This debt was originally reported to my credit in XXXX as {$730.00}. As of XX/XX/XXXX, it is {$310.00} so now Im confused on the inconsistencies and no one is reaching out to me with any updates in regards to what is going on. I wasnt aware an debt was even reported until XXXX when I was looking at a deeper credit report and then I checked my credit report again today and the balance is different but no one told me anything. I received a letter in the mail with the new balance asking me to pay from Southern Management Systems , Inc but this is the first communication I have ever received from them and I still dont know how the balance has gone down when I dont owe anything. 

I have all of the documents from when the apartment was sublet. 

I would really appreciate this situation taken care of and removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX  and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX  and XXXX  removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you

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 2016-05-13
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient improperly calculated the monthly payments on a series of student loans by improperly using a shorter repayment/amortization schedule than was contained in the loan document. This has led to significant acceleration of the debt repayment and has caused financial harm and hardship in making higher payments than were required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Somebody applied for unemployment benefits in my name. I was notified of this through the mail. Shortly after being notified about this, I received this U.S. Bank ReliaCard. I did not apply for unemployment and I do not want this card.

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 2016-04-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was employed with JPMorgan Chase & Co. from XXXX XXXX XXXX. During part of the XX/XX/XXXX year, I was receiving short term XXXX where I was entitled to 60 % pay. On XXXX XXXX, XXXX I received a letter stating I had been overpaid through XXXX XXXX XXXX XXXX pay periods. This letter is titled " 2nd Notification of Overpayment ''. I never received the first letter. Also, I have lived at the same address since XXXX, have a locked mailbox, and check and open ALL mail Monday - Saturday. The letter states that I owe {$1900.00} upon receipt of the letter. I contacted accessXXXX at JPMorgan Chase and spoke with a representative who said he could find no mistake in my pay to indicate that I was overpaid at all. He escalated my call to Sr Specialist XXXX XXXX. XXXX supplied only the amounts I should have been paid before taxes. He said he is unable to supply an after tax amount that should have been paid so that I could compare it to my bank statements. He claimed the ability to " compute '' taxes is impossible. He also said he could not provide me with documentation to prove the total amount listed as owed is actually a correct calculation of what I owe and not larger because of an incorrect tax calculation. How can he be sure its correct if he is telling me tax computation is impossible to begin with? He advised that I could not make any payment arrangement with JPMorgan Chase because I am not a current employer. If I did not pay the full amount on the day I called then he would report me to a collections agency. He assured my credit would not be impacted. I 'm finding that hard to believe. He also said I would be barred from working in other financial institutions if I did not pay the funds. I have been provided with zero documentation to validate these claims. Nor has the company agreed to get documents to me by any method. I do not believe I was overpaid because JPMorgan Chase paid an amount directly to me with the assumption that those funds were due. I lawfully received those funds and spent them with the knowledge and assumption that those funds were due to me. At no point did I initiate those funds myself into my account, nor did the company contact me for 3 years to report an error. XXXX refused to provide me with contact information or even the name of the case worker handling my case.

Company response to consumer: Closed with explanation