BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX has been repeatedly calling and contacting me by text through various phone numbers to collect a debt that had been paid ( twice in fact ) and had also been subsequently pursued by another debt collector post payment. 

I incurred a GE/Old Navy debt some time in the early XXXX. There was only XXXX GE/Old XXXX account ever applied for. 

My husband paid the debt sometime in mid XXXX to a debt collector and did not document, so in XX/XX/XXXX he settled the debt again for {$350.00} and we have the documentation. 

Early XXXX, another debt collector ( XXXX XXXX XXXX ) started harassing me to collect on the same debt, we showed proof of payment yet they claimed it was not the same debt so we reported that debt collector to CFPB XX/XX/XXXX case # XXXX and have those emails as proof. The debt collector never contacted me again after we reported them. 

In XXXX, We also attempted to call GE/Old Navy to see if they could provide proof there were ever 2 accounts and they could not prove there were 2 accounts. 

Recently a XXXX debt collector XXXX has begun to repeatedly call me and text me for the same exact debt. I called and spoke to them and sent them proof of payment from XXXX and they ( also ) insisted it was a different account ( there were never 2 GE/Old Navy accounts ). They do not have an email or an address on their website and documentation can only be submitted via their website so I can not provide proof of that communication but each time they text I ask for an email address and do not get a reply. They refuse to communicate in writing. They are threatening to report to the credit bureau now. 

XXXX refuses to do the legwork to confirm there was only 1 GE/Old Navy acct and refuses to acknowledge our paperwork showing proof of payment as well as the subsequent complaint of trying to collect on the same account. There is no proof from GE/Old Navy that 2 accounts ever existed and each debt collector seems to come up with their own acct # in an attempt to fraudulently collect this debt. 

I am reporting this agency XXXX as I have made multiple attempts to prove this is the same debt and they will not cease harassing me daily through various text and calls. This debt has been paid, twice, and these collectors keep trying to insist its a different debt. 

Phone # XXXX they have used : XXXX XXXX XXXX XXXX XXXX no name XXXX no name included XXXX XXXX XXXX XXXX XXXX XXXX XXXX skip tracing dept prelegal

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 2019-12-23
Company: DISCOVER BANK
State: WA
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:
So I received a 1099- c for tax year 2018 but DISCOVER keeps reporting the account every single month as past due. Date of first delinquency is incorrect, balance is incorrect payment history is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I've had fraud on all credit cards and bank accounts! reported this fraud to all! The dates are very sporadic charges. With XXXX different accounts, and sporadic dates of charges it is almost ridiculous to ask each date of each fraudulent charge. Also very inconvenient for me as I have This sucks and actually the last thing I would like to do with my day! So please just honor my request to freeze my credit thank you kindly!!!!!

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 2017-08-23
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had 2 modifications with Ocwen Loan Servicing. I 've requested a print-out from Ocwen from XX/XX/XXXX that shows all monthly payments have been made. The newest re-modification that began on XX/XX/XXXX also shows all payments made. During this modification I called many times about a discrepancy showing on their website stating I had missed a month. After calling every month they kept telling me their system has n't updated. I told them I was concerned about how this going to reflect on my credit report and they stated that after everything updated, they would clear it with the credit bureaus. Not only did they not take this negative reporting off my credit report, they charged me 9 Property Inspection fees at {$13.00} each. I did n't even know I was being charged these fees until I requested an itemized print-out. When I asked a representative what these fees were for, they said when there 's a late payment and I 'm defaulting an inspector goes by my house. I told them again that I 've never defaulted on any payments and I can show bank statements if necessary of all payments made. My concern is that the reported information that was not factual and will unfairly negatively impact me for a long time. They continued to report for months after the modification was started and established that I was late. When I asked why they took so long for their system to update my record they stated " they have no set time frame for internal processing ''. I 'm a single mother XXXX XXXX and have had no financial help from my ex-husband for 5 years. I do n't have a lot of income at my current job and I have 9 deductions every week including XXXX for health care. I requested explanations from Ocwen and asked them to reverse the reporting on the credit bureaus because it shows payments made in full every month. After talking with several people I learnt that there was support and protection for consumers and I 'm hoping that there 's some resolve. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
my name is XXXX XXXX my loan number is XXXX i apply for refinance at XXXX XXXX, freedom mortgage give a false statement about my loan that XXXX is late with payment 30 days 60 days and 90 days and XXXX XXXX cancel my refinance i pay {$490.00} for appraisal fee i ask for my appraisal fee back they dont want to give my appraisal fee back i want freedom mortgage give my appraisal fee back because freedom mortgage give false statement to XXXX XXXX i give all the paper work to freedom mortgage that they need

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 2015-04-20
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card
Issue: Billing disputes

Complaint:
Ordered a XXXX XXXX XXXX XXXX smartphone from XXXX. I had to do this XXXX times because the first XXXX I purchased were either not as described ( opened box when item was sold as new/unopened box ) or blocked on my carrier ( seller financed phone and stopped payments ). The last of the XXXX phones that needed to be returned worked fine for a few days and then became blocked with my carrier ( seller non-payment ). It was shipped back as the previous ones were : I contacted XXXX, informed them that the phone was not as described, and they then approved and issued a return label to return the phone at their expense. The first XXXX returns were credited back to me. The final return was never credited. After 30+ days after the return, I attempted to contact XXXX but they make it extremely difficult, if not impossible to find their contact phone number or even send them an email. After XXXX mins after trying to find their contact info, I instead called my card issuer and disputed the item for failing to credit me for the return. Instead of XXXX responding to the chargeback, XXXX responded that the item was never returned and that it was as described. XXXX of course has never seen the item and had no idea of its condition, it was simply a defensive tactic they use the absolve themselves of accountability ( they probably paid the fraudulent seller and then got left holding the bag ). I responded to my card issuer explaining and providing documents indicating from XXXX 's own website that the item in question was returned. My card issuer, Chase, performed no investigation of any kind and simply took XXXX at their word. Despite all the evidence I provided, and XXXX having a complete accountability of the return, they refused to remove the charge. I finally found XXXX 's phone number and contacted them to ask why they never credited me back. The rep told me that the item was returned " late '' so there is no refund. XXXX only provided XXXX to return the item. Because the phone being returned contained all of my mobile data ( it worked for a few days before the carrier block took effect ), I had to procure a replacement phone and copy all of my data over before I could return the phone. Again, this was the seller 's fault as they knowingly sold me a phone they knew would be blocked at some point. So I explained this to the XXXX rep and he reiterated that they will be keeping the money and the seller will be keeping the phone, and I am due no refund. However, my card issuer is supposed to act as the fail-safe in this type of situation, and did not adhere to the XXXX. Perhaps they have a cozy relationship with XXXX or simply do n't care. The evidence I provided them was overwhelming and they did n't seem to review or follow-up on any of it. Additionally, you should be aware of issues like this where the consumer does business with XXXX but it is XXXX that responds to the billing dispute. This allows XXXX to be unaccountable and XXXX to play ignorance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection company Phoenix financial Services LLC is trying to collected a debt that is not mine, from someone in year 2014, in which the account pass 7 years reporting date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company XXXX XXXX and XXXX has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XX/XX/2012 in the amount of {$1200.00}. I have never done business with these people and have not agreed to anything with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: NJ
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:
Multiple incorrect addresses showing on my credit profile 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 XXXX XXXX XXXX XXXX only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition hard inquiries not made by myself : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX In addition : XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX 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 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 In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission

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 2022-05-02
Company: EQUIFAX, INC.
State: NJ
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:
Multiple incorrect addresses showing on my credit profile 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **In addition hard inquiries not made by myself : EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX In addition : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXXXXXX 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 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 In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
I was the co-signer on my son 's new car purchase XX/XX/XXXX leased through Toyota Financial Services ( TFS ). The Toyota lease was setup for automatic payments starting late XX/XX/XXXX. From XXXX to XX/XX/XXXX, without our knowledge, Toyota Financial Services withdrew payments for the lease from another unknown person 's account. My son was in the military during this period, and he noticed in XX/XX/XXXX there were no Toyota Lease payments being withdrawn from his personal checking account. We logged into his Toyota Financial Services online account and noticed that the checking account number listed in the TFS account was off by one number, and payments were being made from an unknown person 's account. We immediately updated his TFS online account to reflect his correct checking account number and in XX/XX/XXXX and forward all payments started being withdrawn from his checking account. In XX/XX/XXXX, we also immediately contacted Toyota Financial Services of this error and it took TFS 3 months to investigate. On XX/XX/XXXX, Toyota advised us of the payment due and that they had reversed all the previous erroneous payments to unknown account. TFS did not disclose to us how the account number error occurred or how they were able to withdraw my son 's Toyota lease payments from another person 's account. We made one lump sum payment on XX/XX/XXXX, for the previous erroneous payments. TFS representative advised us that the previous erroneous payments would effect our credit reports. A few months later TFS reported 6 late payments from XX/XX/XXXX to XX/XX/XXXX. Payments were never late, and due to TFS payment processing error, payment were withdrawn from inaccurate account. We have TFS statements showing all payments being made timely, and one lump payment being made XX/XX/XXXX for previous TFS payment error. The TFS lease was paid in full in XX/XX/XXXX and account is now closed with late payments still be reported. We are kindly requesting that Toyota Financial Services remove all late payments from the account. We have TFS documents to support our claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: NV
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 XX/XX/2021, I switched my cellular carrier to XXXX. At that time, they created duplicate accounts due to their own system errors. I was unaware of this duplicate account until later. Several attempts to correct it were unsuccessful over many months and XXXX reported the account to the credit agencies. XXXX has since admitted their mistake and pledged ( via written letter to me ) on XX/XX/2021 that the account would be completely deleted from all credit agencies. In addition, I have submitted multiple disputes with the credit agencies. Those disputes were closed with the result saying that the account was verified to be accurate. As of today ( XX/XX/2021 ), XXXX and Experian both still show the mistaken account on 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 2017-10-16
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I had a bankruptcy XXXX in XXXX of XXXX discharging a first mortgage and second mortgage on my residence.The first mortgage payment has gone from XXXX to XXXX in the last 2 years and it is now XXXX am not paying the second that was XXXX in bankruptcy.I have been denied a modification by XXXX XXXXI was told upon the bankruptcy from the then second mortgage servicer to not worry about the loan because i would be ablew to obtain a discharge as the property was under XXXX XXXX originated both mortgages butr sold the XXXX to many servicers now it is being handled by XXXX XXXX XXXX are difficult and unresponsive, i have mad them offers for a lien release in the format that they requested and they are either ignored or answered with a number they know i cant comply XXXX second mortgagee had previously agreed to give me a discharge and are now reneging on the XXXX, All subsequent efforts to effectively buy the discharge results in them not hgetting back to XXXX though this is the same mortgage that had collection efforts made during my bankruptcy and even asked me to produce a " NOTICE OF NON REAFFIRMATION ''? 
I am being forced into foreclosure after having been given errant information by the mortgage servicer.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 2021-12-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hello so XX/XX/2021 on I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2021-12-16
Company: Nelnet, Inc.
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I missed a single payment, during the pandemic in XXXX. I made this payment back, their incomplete computer system did not mark it as much, and negatively affected my credit score after marking my account as delinquent. This happened again, in XXXX. I missed a single payment, and since, their computer system has marked my account with an excessive amount of passed due days, more than what is accurate. Their system also did not recognize payments that I made, even with receipts of the payment. I have spoken to multiple supervisors about this, with no resolution. 

I had to submit a support ticket, and call in myself, as a customer, to check on the status of their system bug. I am still 'in delinquency ' and the amount they are trying to collect is Double the real amount that I owe. I have no idea when this problem will be fixed, or if the XXXX points i lost on my Credit will come back any time soon. I can't refinance this loan with a worse score now. Awful, I feel trapped with a company that has nothing but bugs in their system. Not in my control, not my fault, shouldn't get hurt because of it. 

They hang up on me when I call, I have to call multiple times. I have never had such a horrible time with a borrower. They have negatively affected my Credit, over small issues that are not within my control. They can not operate as a business if their systems in place are broken. 

They have a XXXX XXXX with the XXXX  Put them out of business. These loans were previously with XXXX XXXX, and we all saw how they dropped Student Loans after so much bad press. This company is worse than XXXX.

Company response to consumer: Closed with explanation