BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Repeatedly I have asked that certain items on my credit report be corrected or removed. This is affecting my credit score and rates of interest being offered by lenders! I have asked the erroneous addresses on my report be removed .I asked that incorrect items that are being reported by lenders/vendors be investigated and corrected, They are : XXXX for {$1000.00}. I changed to XXXX after there was interruption in service due to the weather conditions, but XXXX kept their service going even after I requested it to be turned off. XXXX also kept billing me for a number I had already transferred to XXXX. XXXX staff was paid for service. I asked for them no to deposit the checks I left until next day and I had a chance to transfer funds between accounts. 
Equifax has NOT responded to my request for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Other fee

Complaint:
On XX/XX/2016, I applied Chase XXXX credit card, and got approved one day later. On XX/XX/2016, I was charged for {$450.00} annual fee for this credit card. On XX/XX/2016, my XXXX credit card was forcibly closed by Chase. However, before my credit card closure without giving any specific reason, at that time, I had't got a chance to make a single transaction. 

I tried to contact Chased to discuss how to refund my {$450.00} annual fee in early XXXX, since Chase will refund the annual fee if the account was closed within 30 days of the account opening date. ( It is only 18 days from XX/XX/2016 to XX/XX/2016, so it is eligible to receive the annual fee refund ) However, the representative answered my phone and rudely told me " ... we wo n't refund annual fee, even within the 30 days window, if the credit card was closed by the bank end ... ''. And he was in a very inpatient and unfriendly mood. I then still nicely asked if they have any rule or policy specifically stating this, he told me there is a rule on the card agreement, and when I handed out the agreement ask which rule it is, he only pointed out the rule indicating how they would charge the annual fee. I then felt like I was fooled, so I hung up and called again, different representative, and she said " there is a rule '', but when I asked which rule it is, she even failed to answer! So ridiculous! 

Later I went through the entire card agreement they sent me, and clearly there is NOT a rule says like " the annual fee wo n't be refunded if the credit card was closed by the bank end ''! These representatives lied on their own agreement! They ate my {$450.00} fee illegally on my unused credit card, and never wanted to return it! I can not believe this is how JP Morgan determines you are not a valued customer, closed all products they offered without giving any reason, and finally kept all the fee they should refund!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02
Company: Synovus Bank
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The complaint that I have is with fstprogress. Over the last 6 months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows that I have contractual obligation to pay fstprogress. I have not received anything that I requested and it is still on my credit report from all three of the credit reporting agencies. All my letters where sent certified with signed receipt verifying they received the letters. 

can you Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Letter from XXXX in response to identity theft : XXXX XXXX XXXX XXXX XXXX, IN XXXX Number : XXXX XXXX XXXX, Thank you for contacting XXXX XXXX. It was my pleasure to have assisted you in completing your case. 

An Extended 7 Year Fraud Victim Statement has been added to your credit report as of XXXX/XXXX/2015. This alert will encourage creditors to contact you before approving new applications. 

It is also suggested you report your identity theft case to the Federal Trade Commission. You may contact the Federal Trade Commission by calling XXXX or obtain more information on their website at http XXXX 

I have also attached fraud dispute letters for you to submit to Equifax and XXXX. Please review, sign, and include your full Social Security Number and Date of Birth at the bottom of each letter, along with a copy of a Police Report. Including a copy of the Police Report with the dispute letters is highly encouraged and suggested. You may also include an Email Address so that the credit bureaus can send the results of your investigations directly by email. 

We recommend sending your correspondence certified, return receipt, but you may also send it by regular U.S. Postal Mail to : EQUIFAXXXXX Information ServicesXXXX XXXX XXXX, GA XXXX Victim AssistanceXXXX XXXX, PA XXXX followed this advice and sent the following letter to Equifax along with copy of police report : Equifax Credit Information ServicesXXXX XXXX, GA XXXX Whom It May Concern : This is a follow up letter to the phone call I placed to XXXX XXXX XXXX regarding the fraudulent activity that is listed on my credit report. 

Fraudulent Inquiry : XXXX XXXX/XXXX/2015 - This is not my inquiry. This inquiry was applied for fraudulently by someone using my personal information without my knowledge or authorization. I have already contacted this company to alert them of this fraud. Please remove this from my report. 

Once the fraudulent information has been deleted, please send me a copy of my corrected credit report. If you have any questions I can be reached at ( XXXX ) XXXX. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, IN XXXX : XXXXXXXXXXXX : XXXXDOB : XXXX response to this was as follows : XXXX We have reviewed the inquiry information for XXXX. The results are : Inquiries are a factualrecord of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditordirectly and follow their internal fraud procedures. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX COMPLAINT : EQUIFAX DID NOT PROPERLY RESEARCH THIS INCIDENT OF IDENTITY THEFT AND DID NOT DELETE THIS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have challenges with receiving a response or appropriate action from FedLoan Servicing every time I submit a request. I submitted my XXXX XXXX XXXX XXXX application three separate times. Only once did I receive a denial and guidance on what I need to change. I called yesterday for my application submitted on XXXX. The staff stated my application was denied again because my employer did not initial the box. The staff reported they called my employer and did not receive a response. However, there are no directions which state the box needs to be initialed. XXXX at my employer reported that she did not receive a call and is great at responding to all requests she receives. FedLoan Servicing did not inform me of any of this. I do not understand how to have FedLoan Servicing process my application and give me credit towards the forgiveness program. I have been working on this for over six months. I need to apply to have my employer cover my loans and I am nervous I will lose that benefit if my servicer can not provide the appropriate documentation as it took over two months for them to respond to my request and several calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: General Motors Financial Company, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX 2016, I received an online offer for GM Financial 's deferment program. I was approved for the program that would defer payments for XXXX 2016 and XXXX 2016, and apply them on the end of the loan. This would allow my account to remain in a positive status. I was advised that interest would continue to accrue, but the late fees would be waived. I accepted GM Financial ( GMF ) offer and agreed to pay a processing fee of {$270.00} by XXXX/XXXX/16. I paid the processing fee as agreed by the due date. I was approved for the deferment when my account was 28 days past due. However, GMF reported my account as 30 days past due status to XXXX. I contacted GMF on XXXX/XXXX/16 and spoke with " XXXX '' who advised me that this was impossible, as GMF has n't reported any updated account information to XXXX. Nevertheless, I disputed the late payment with Equifax on XXXX/XXXX/16 and XXXX/XXXX/16. The following is a timeline of GMF payment status changes to XXXX : XXXX GMF reported my account as " not more than two payments past due '' XXXX GMF reported my account as " Pays as agreed '' XXXX GMF reported my account as " not more than two payments past due '' XXXX GMF reported my account as " Pays as agreed '' XXXX GMF reported my account as " 30-59 days past due '' My account is being reported as 30-60 days late with XXXX and XXXX as well. I have disputed the error with them, but my account continues to fluctuate between a positive and negative status similar to XXXX. 

I have contacted GMF on the following dates regarding this issue : XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 Each time, I have spoken with a different representative, each claiming my account is not being reported late. I received GMF " credit-reporting letter '' XXXX/XXXX/16. However, the account was still being reported as negative. Thus, I submitted a complaint to GMF complaint department five days later requesting the error be corrected and I be forwarded documentation regarding its resolution for my records. I have not received a response. The account remains incorrect. 
I am extremely frustrated with this process. I am unable to reach a resolution by calling, writing, or disputing. I am disappointed none of the GMF customer service representatives took the initiative to take ownership to correct the issue. I have not been 30-60 days past due as the deferment was approved prior to my account being 30 days past due. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is reporting the same Child support account twice on my credit report XXXX and refuse to remove one of them. You can not duplicate the same account twice on a credit report. Making it appear as if you have more accounts then you really do, giving the lender the impression that you have more debt. I spoke to the supervisor from Equifax and that they are XXXX different account when clearly it is the same account. Same account number, same schedule payments. I only have XXXX child support case anyway so it is impossible for me to have XXXX accounts anyway. I ask the supervisor to remove it right away because it is a violation to my credit report, because they are reporting the same account twice. They said the most they can do is a 30 to 45 day investigation for an account that is clearly duplicated. XXXX problems I have with that, XXXX is there should not have to be a investigation for and clear error and XXXX Equifax also pull your credit score down up tp XXXX-XXXX points during the investigation until the investigation is finish making very unfair to the customer to look for funding during this time. Just because the account is reported on different days do not mean it is a different account. If the account has the same account number it is the same account. I want Equifax to remove the clearly died account that say XXXX balance off my credit report because that account is clearly not reporting anything. It just sitting there making it appear as if I have more then XXXX child support case and I do n't. Your credit report is very serious, Credit Reporting agency is quickly delete any duplication accounts and clear errors right away. This can hurt the customer and the error has nothing to do with them. If these was XXXX different account I would understand the investigation and the rules of 30 days. I will attach the document that shows the XXXX same accounts. I understand accidents can happen. But when it is clearly a accident remove it right away or they should get a fine. That is the only way these companies will take the customer serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Dyck-O'Neal, Inc.
State: CO
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I negotiated a debt settlement arrangement directly with the debt collector. I took their enticing offer while I was already making on time monthly payment to that same debt collector. I paid the full one time payment requested at the time. Paid in full the amount offer proposed and arranged by the debt collector. And find out that they reported me to the credit bureaus negatively for paid less in full well I actually paid in FULL my debt under their enticing offer! AT NO TIME, they reported to me that they would report this negatively to the credit bureaus otherwise I would have refused and kept my monthly payment. They should have reported this as paid in full! Or disclosed their bad intentions against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Special Financing Company, LLC
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
when I signed up for the loan in XXXX/XXXX/XXXX I agreed to auto pay. Earlier this year I experienced financial hardship from losing my job. I requested that auto pay be cancelled, the lender refused to do so and took and unauthorized payment from my account in XXXX. I called and they then cancelled it after it over drafted my account by over {$400.00} I had to pay those over draft fees. 

on XXXX/XXXX/XXXX they took another unauthorized payment from my account for XXXX I requested it be refunded they refused and told me to send a cease and desist letter, I requested to speak to a manager the person I spoke with refused to let me speak to someone else and asked me to call back at a later time and hung up on me. 

I had to call my bank and block them and they 're closing that account I have to wait 10 days for a new card and because the transaction is still pending I have to wait for it post before I can get a refund which will take a total of 12 days, therefore I am out of the money for nearly two weeks. The lender refuses to refund the payment. 

when I originated the loan I was told it would help build my credit after I go the loan Special Financing Company told me they will not report to the credit bureaus I was lied to, I have received multiple calls from them in some cases back to back my calls records can prove that. I have lost several hundreds of dollars dealing with this company. 

in the year and a half I have had this loan I 've never once received a statement, if you request a copy of my call records with them I have made multiple requests which they have not honored

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXX was submitted XX/XX/XXXX. At the time I submitted this complaint, I had dealt with Rushmore Mortgage directly endeavoring to get them to stop the continuous daily calls I was receiving trying to collect on a mortgage for which I was not responsible due to bankruptcy. They denied having knowledge of the bankruptcy, even though I had spoken with them about it repeatedly and had written them repeatedly referencing the bankruptcy requesting them to cease the pursuit, they continued to do so. When they were unable to trick me into paying, force me into paying in retaliation they placed reported to my credit bureaus a past due mortgage amount that had been discharged in Federal Court. On XX/XX/XXXX Rushmore responded the referenced complaint indicating that they would remove the reporting from my bureau, yet it is still there now in XX/XX/XXXX. I would like them to remove it immediately and send me a letter indicating that it should not have been there in the first place and they are going to remove it from all my bureaus. Rushmore, when speaking to me, represented themselves as the new note holder, but when CFPB was involved, they identified themselves as the servicing agency for XXXX XXXX XXXX. This credit bullying and racial discrimination practices is damaging to anyone who is exposed to these tactics and this needs to stop. Them denying their intent and then walking away with no penalties of any kind is one of the reasons it continues. Please assist me in procuring the resolution once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Cheek Law Offices, LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX XXXX sued me to collect a debet and I just receveived notice today, XXXX XXXX, 2016. I have been trying to pay them for over 3 years, but they wo n't accept any payment terms accept payment in full or {$700.00} a month which I can not afford. I was paying on the account continuously until I lost my job at which time, I was paying, but below the monthly minium. They sent me to collections despite the fact I was actually making payments. When I ceased making payments due to lack of employment, they would not work with me to set up agreeable payment arrangements. They even shut off my online access so I could n't make any payments. How can I pay if you wo n't let me pay? Ridiculous. I then put the account in a debt management plan, which the ignored and still sued me. I was not made aware of this was happening. Every attempt I have made to pay they have ignored and/or said it was not enough. Seems to me something is better than nothing. Then to sue me without me being notified is disgusting. XXXX XXXX is a terrible company that is perfectly happy with ruining your character and credit. They wo n't work with you at all. Everyone warned me about getting a credit card from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: First National Collection Bureau, Inc.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received a collection letter from First National Collection Bureau XXXX Inc for {$940.00} for creditor XXXX XXXX XXXX, original creditor XXXX XXXX Bank, N.A./. 
This is a false debt so i called them to dispute it. 
The first person I talked to claimed it was a credit card between XXXX and no other information was available. After a brief discussion I explained how this was not a valid debt ( the last credit card i owned was around XX/XX/XXXX ) and she said to send her that info in writing. I hung up and after doing some research on the company I found out they have an unsavory reputation preying on expired SOL ( statue of limitations ) debt. I called back hoping that I could stop any more badgering by pointing that out. The next person I talked to gave me more information about the account ( meaning the other person lied about no other information being available ) and told me that a SOL did not matter with their company. I told her that was inaccurate and that the FTC states one can not be sued for debt out side that SOL. She claimed that was innacurate information and they were a private entity. I asked her if her company was above the FTC. She said no but that info was wrong. Furthermore, she told me the account had been closed by the previous rep but she would reopen again it due to my verbal complaint which sounded like a threat! In the end they ended up being unprofessional, manipulative, and liars. I am sending them a cease and desist letter and I hope that is the last I hear from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A client of ours who is facing a sheriff sale had his loan transferred during modification review. After multiple instances of mishandling of documents the new servicer Rushmore Loan Management has sent a written notice to client saying a modification was denied without a numerical values to back up this decision. The letter also states that the loan owner can no longer be reviewed for a modification again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: TENET HEALTHCARE CORPORATION
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have not been contacted by this collections company ; however they are on my credit report. They have been in legal trouble with the federal government for this exact same thing before. This medical debt is not mine and they are using XXXX different company names for the same " debt. '' Central Financial Control on XXXX and Syndicated Office Systems on XXXX. False debt, no contact with me, yet they are on my credit report.

Company response to consumer: Closed with explanation