BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX continues to report inaccurate information on my credit report. I have attached documents showing that they stated that they have verified an inaccurate reporting of bankruptcy. I have requested their method of verification according to Fair Credit Reporting Act 611 ( a ) ( 6 ) and ( 7 ) from the original furnisher and XXXX XXXX   responded in writing that they contacted US Bankruptcy court in XXXX MS . This is invalid and inaccurate information and I have attached the letter from the US bankruptcy court as evidence that they do not supply any information to any of the credit bureaus. XXXX XXXX has refused to supply me with the name, address, telephone number of anyone from the US bankruptcy court in XXXX MS that they contacted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
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:
XXXX XXXX is reporting a inaccurate account on my report. I have disputed it several times and it constantly reports. I have contacted the XXXX XXXX and all of the 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 2020-10-05
Company: JPMORGAN CHASE & CO.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Im am working with the XXXX XXXX, i have worked with XXXX XXXX  as well and they have tried to dispute this item with no luck. I have filed identification theft and no one had got back to me from chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XXXX, 2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2015-07-08
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Payoff process

Complaint:
I got a Care Credit card at my children 's dentist office, we were told that we had a certain time to pay off and if it was n't paid off in a certain time then we would have to start paying interest. I ended up using the card again for other medical bills, and later found out that the money I was paying was going toward the most recent transaction instead of the oldest, so I started getting billed interest. So now I was paying on bills and interest that I should have never had to pay. I actually called a few times and customer service put my payments on the old transactions for me and actually told me that was what I would need to do in order to have my payments go toward the right transactions. And I actually found out that I was still paying on a bill for XXXX years ago that should have been paid off long before now. So basically since this company is making sure that it can charge interest from its customers even if they are never late and pay over the minimum payment. I also found out today that I was charged {$700.00} interest. When I called they said that it was deferred interest, but when I signed up for the card I was told that interest would be deferred for however long depending on the transaction amount and if it was n't paid off THEN I would have to start paying interest, not pay all the back interest. When I looked up the deferred interest time for my last bill for last summer that I am being charged {$700.00} interest on, it says that transactions {$2500.00} and over have a XXXX month deferment period, and I had at least a {$2500.00} bill, so why did I only get XXXX months? And now I wonder if all my bills were given less time then they say. Their bills do not break down every transaction you 've made so that you can see which transactions you are being charged interest on, just the most recent and a total of the rest. I have been misinformed, scammed, lied to, cheated. This company makes it impossible to even pay back anything on time if you have used the card on more than XXXX bill. Had I known how this company worked I would 've never gotten this card to help with medical bills! I got this card to help pay medical, dental, and optical bills for me and my children and to not have to worry how we are going to pay all of this, and now somehow I am paying XXXX and XXXX times as much because of the way this company is handling the billing. They get you to get their card and then make it impossible to pay it off without interest being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
CLIENT CAME INTO THE OFFICE TODAY FOR DEFAULT COUNSELING. RFD- CLIENT WAS GIVEN A LOAN MODIFCATION IN XXXX 2014 PITI OF $ XXXXXXXXAND TAXES & INS OF {$710.00} FOR A MONTHLY PAYMENT OF {$1300.00}. CLIENT BEGAN MAKING PAYMENTS AND AFTER AN ECROW ANALYSIS HIS MONTHLY PAYMENT WAS INCREASED TO {$1600.00}, WHICH HE CAN NOT AFFORD. 
CLIENT ATTEMPTED TO CONTINUE TO MAKE THE {$1300.00} AND HIS PAYMENTS HAVE SINCE BEEN REFUSED. I CALLED PHH AND SPOKE TO A REPRESENTATIVE NAMED XXXX SHE ADVISED THAT CLIENT IS DUE FOR XXXXPAYMENTS. THE LOAN MOD AGREEMENT IN 2014 ONLY SHOWS THE PITI OF {$590.00} NOT THE TAXES AND INSURANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
PMAB LLC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX IS A DEBT COLLECTOR FOR XXXX XXXX XXXX, XXXX NC MY HOSPITAL BILL WAS PAID IN FULL VIA A CHARITY PROGRAM THAT I SIGNED UP FOR. WHEN I FIRST SAW THAT PMAB SUBMITTED A NEGATIVE FILE ON MY CREDIT REPORT I CONTACTED THE CHARITY THAT PAID MY BILL ON MY BEHALF, THEY IN TURN CONTACTED XXXX XXXX XXXX AND SUBMITTED THE RECEIPT AND DOCUMENTATION THAT THE BILL WAS PAID BY THEM. XXXX XXXX XXXX FAILED TO CONTACT PMAB TO HAVE THEM REMOVE THE NEGATIVE REPORT, SO I DISPUTED THE REPORT VIA XXXX. ACCORDING TO XXXX  PMAB IS REFUSING TO REMOVE THE CHARGE OFF WHICH WAS FALSELY REPORTED BY THEM AND THEY FAILED TO DO THEIR JOB AND CONTACT THE HOSPITAL TO VERIFY THE ACCOUNT WAS PAID IN FULL LONG BEFORE THIS DEBT COLLECTOR GOT INVOLVED IT HAS A NEGATIVE IMPACT ON ME AND MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Specialized Loan Servicing Holdings LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 my mortgage payment cleared intended for XX/XX/2021. 
I had payed XXXX on XX/XX/2021 and XXXX on XX/XX/2021. 
Instead of crediting the payment for XXXX the payment was applied to principal and " fees '' putting the mortgage in default. I am getting multiple calls asking for the XXXX payment. I have asked multiple people multiple times to correct the error with no success.

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 2020-03-06
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A check dated XX/XX/19 in the amount of {$9500.00} was written on a XXXX account and send to the payee, XXXX XXXX XXXX  but the check was fraudulently altered and deposited at PNC Bank. The check copy clearly shows the alteration, indicating that PNC was grossly negligent in allowing the altered check to be cashed or deposited. A fraud case was opened by XXXX but according to XXXX, PNC has refused to respond. A complaint was also filed against XXXX but they did not provide any additional information to the account holder or to CFPB. XXXX says that their counsel has sent a demand to PNC for return of the funds. They also suggested that a complaint against PNC be filed. The cancelled check copy should provide account information at PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: SYNCHRONY FINANCIAL
State: PA
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:
XX/XX/20 I sent a commmunication to QVC Synchrony bank stating there is a hard pull on my credit report when no application for credit was submitted. No response

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 2016-01-24
Company: Avant Credit Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I RECEIVED A NOTICE OF ADVERSE ACTION FROM AN APPLICATION MANAGER FROM REGARDING A XXXX LOAN WHICH I NEVER APPLIED FOR ON XX/XX/2016 COMPANY NAME IS AVANT STATING A DENIAL OF TO MANY INQUIRIES AND PERSONAL INFORMATION WHICH IS ILLEGAL TO ACCESS MY CREDIT REPORT WITH MY CONSENT, THIS IS A VIOLATION OF PERSONAL PRIVACY TO ME AS A CONSUMMER, AND I 'M REPORTING THIS HERE AND ALSO WILL BE CONTACTING ALL CREDIT AGENCIES. I WAS TOLD THERE ARE NUMEROUS INQUIRES REPORTING WHICH I FEEL WILL AFFECT IN LOWERING MY SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This Company calls repeatedly, every hour or so, on Sunday 's and very aggressive. I advised debt collector to not call me anymore because she knew what she was doing was not correct, she was calling constantly - 4 times already in a day, call after call and on a Sunday.

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 2015-09-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have been a long time American Express credit card member. On XXXX XXXX, 2015. I received an American express Delta Sky Miles Offer Credit Card. The outside envelope has My Name and Address printed. Inside the letter, it has credit card offer for another individual with promotional code and address printed on the offer letter. I have other customer 's name, address and credit card invite code. This is not only exposed the other customer 's private information and may cause an identity leak. I also want to find out who has my credit card invite.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I want your help to remove this bankruptcy in my credit report because this is not okay and Bankruptcy should not be reported in my credit report as said by the Court and you don't even have the means to make sure that you are reporting this correctly!

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 2015-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have 4 accts that are not mine but continue to report on my file when they were actually a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05
Company: Byrider Franchising, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: 21ST MORTGAGE CORP.
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I called to make a payment by phone to cure a debt of a mortgage that was two months past due. I informed the representative of my intentions to pay in full to get the account current. The representative puts his manager on the phone, who consistently asks why I have not returned some phone calls that were made within the past two months. This manager made degrading comments and refused to accept payment of the past due amount unless the next month 's payment was included. This was not yet due at the time of the phone call. The manner that this representative addressed the issue was both verbally abusive and unwilling to assist in my inquiry. I asked for a fax number, to which this representative asked the reason for sending a fax, and refused to give me a fax number unless I gave specific information about what was to be faxed to the company, and why I was faxing it. The representative continued to make verbally abusive comments, and commented on the presumption that I will not make any more payments until the end of the year. I was unable to speak without being interrupted by this representative who began raising his voice in a manner of interrogation, demanding to know how I intend to make future payments. I have never been belittled as much as I had been in this conversation, and I have never seen such abrasive and unprofessional practice as I did with this company, particularly with this representative. I understand the company 's frustration by the status of the defaulted loan, however I do n't feel that they have the right to speak to customers in a demeaning manner, ask questions that are not related to curing the defaulted loan ( i.e. questioning why I did n't answer the prerecorded phone calls that are sent to me several times daily ). This " manager '' did not give me his name or contact information, and did not help me with this simple resolution of curing the defaulted loan. Before calling, I intended to ask the amount of the principal of the loan, to which the manager told me that this has nothing to do with my loan repayment, and refused to inform me of this amount. I was then told to call back next week to " make sure I have enough money in my account '' to cover the past due balance, which would be over 90 days past due at that time. I have never been denied the chance to make a payment on an outstanding loan balance, and being belittled and talked down to was the main purpose that this representative spoke with me during the phone call that I placed to them on Thursday, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Acceptance Solutions Group, INC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Keeps calling numbers that are not mine. And talking to 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 2022-09-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage obligation was transferred from XXXX XXXX XXXX XXXX recently to Fifth Third Bank. I can not pay this mortgage obligation online due to arbitrary reasons. Fifth Third Bank requires that you visit one of their retail branch locations to set up their online banking service to make payments. The closest retail location is over 10 miles from my residence. This isn't an actual security requirement to visit a branch location. It is a ploy to cross-sell potential new relationships on retail banking products by requiring people to visit a branch location. This is unethical and disparately impacts people with disabilities, of whom my wife is one, and as she is on the mortgage obligation, this directly impacts her. 

To my knowledge, no other mortgage servicing firm has such arbitrary requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have had medical issues that have caused me to be unable to pay credit card debt. Today I received an email which threatens to arrest me for my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX has been repeatedly sending letters to my home for at least a year now, and has been calling me as well. 

The calls have come in before XXXX XXXX  and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I am a XXXX  who suffers from XXXX, and these calls cause me constant XXXX  to the point I turn my phone off or mute it, which disrupts my day. 

Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. 

XXXX XXXX XXXX has been repetitiously contacting me via mail and phone with the intent to annoy and harass me. I have received numerous letters ( attached ) - multiple per month. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit

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 2017-10-12
Company: JPMORGAN CHASE & CO.
State: CA
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 rewards from credit card

Complaint:
I WAS AT THE BANK ON OR ABOUT THE BEGINNING OF XXXX I WENT TO THE BANK TO OPEN A CHASE PRIVATE CLIENT ACCOUNT. I FOUND OUT FROM A BANKER THAT MY CREDIT CARD POINTS WERE REDEEMED FOR CASH. I WAS SURPRISED AND WANTED AN EXPLANATION. THEY TOLD ME THAT I CALLED IN AND I TOLD THEM TO REDEEM THEM. I NEVER TOLD ANYONE TO REDEEM ANY POINT NOR CAN YOU REDEEM POINTS OVER THE PHONE. YOU MUST GO OVER THE WEBSITE TO REDEEM ANY POINTS. AFTERWARDS I WENT ON TO MY ACCOUNT AND SAW THAT THE OTHER XXXX POINTS WERE GONE. I REQUESTED AN EXPLANATION AND I AM NOT GIVEN ANY PROOF THAT I CLAIMED MY POINTS NOR WAS THERE ANY EXPLANATION WHAT HAPPENED TO THE REST OF MY POINTS. THE POINTS ARE WORTH APPROXIMATELY {$10000.00}.

Company response to consumer: Closed with explanation