BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-04
Company: Experian Information Solutions Inc.
State: NJ
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/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX XXXX DOB : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,

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 2021-03-11
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2021 I received a phone call from Merchants and Medical stating I owed a debt, but didn't tell me who it came from, and I had to pay. I explained I had no knowledge of the debt and have never received any type of notification other than this very phone call. 

I requested documentation and proof of the debt be sent to my address and informed them I've lived at this location for 6 years. If they had sent anything, I would have received it. 

As of today I have not received any documentation of the debt, how much I owe and how to dispute it. Merchants and medical have placed the collection on my credit report without properly notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020, I received an unauthorized charge on my XXXX credit card. I immediately contacted XXXX bank and cancelled my card and ordered a new one. 5/3 credited the unauthorized charge of {$99.00}. 
On XX/XX/2020, I received a notification that their investigation team found the charge to be legitimate. The information they received consisted of a fake business name, fake business phone number with an area code that does not exist, a fake business Email address that is from a known spam Email server ( yeah.net ) from which major Email accounts such as XXXX, XXXX, and XXXX will not accept Email. They also received a screen shot of a XXXX tracking confirmation order that did not contain my name or address. This information was received from XXXX XXXX, the location from which I supposedly authorized the transaction. 
Had 5/3 done some actual investigation, they would have found the business name, business Email, and business phone number were all fakes. 5/3 made zero attempts to contact the business that was the supposed seller. If 5/3 would have contacted XXXX directly and inquired about the transaction number on the XXXX screenshot they received, they would have discovered the transaction number is connected to a purchase and delivery of an item, not from Pay Pal, but from XXXX, by a Mr. XXXX XXXX. 
I have been continually harassed and bullied by 5/3 to pay for this transaction I have nothing to do with. This transaction was conducted by a Mr. XXXX XXXX. I have more than six credit cards. I have zero balances on any of them, except for this one single unauthorized transaction on this now closed by my request 5/3 credit card.

I have had delinquent account reports sent to all three credit bureaus over this unauthorized transaction. I have late fees and interest charges placed on this card every month. 5/3 has broken their contract by sending information to the credit bureau while ongoing investigations were taking place. They went against FTC guidelines by not completing the investigation in 90 days. They have gone against Mastercards 100 % buyers protection policy by refusing to credit this fraudulent transaction. 
I have supplied them with definitive evidence that the tracking number they present as proof of my receipt of an item has nothing to do with me. I have supplied them with proof of the supposed seller being fake and have sworn to them I have never communicated with the supposed seller one time, let alone authorized the use of my card. They refuse to communicate with me regarding the authentic documents I have provided them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: R.M. Galicia, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I gave my insurance info the day the accident happen and the ambulance came for me Im not paying XXXX dollars because my information was giving to them that night and they are saying I didnt provide them my medical id plus they put the wrong address they didnt even help me much at the hospital I XXXX my XXXX  and they took me and gave me a pill and sent me on my way and I was in California and I live in Nevada I was stuck couldnt XXXX  in a while in a another state Im not responsible Ive tried over and over to explain to the. And called my insurance several times someone is not doing something right Im not responsible for the ride to the hospital

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX veteran. I request that a federal or state financial regulater conduct a thorough examination into my loan under ocwen, as well as when my loan was with litton. There are deficiencies in loss mitigation and loan modification process.charging unathorized fees for default related sevices.Deficiencies in how my loan was underwritten and serviced.Providing false or misleading reasons for denial of loan modification under hamp.Misdated letters and correspondence thats not clear understanding causing loan to default. XXXX 2012 modification qualified under hamp and should have been permanent, not " XXXX '' this practice of bait and switch is not helping home owner and is not removing the toxisty out of this toxic mortgage.This practice of denying me an affordable modification is contrary to the spirit of the Making Homes Affordable Act, and in non-compliance of the National Mortgage Settlement Rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
submit dispute about correcting name and current address on XX/XX/20 delivered by certified mail delivered on XX/XX/20. Received report back with deleted addresses, until this day addresses that are not deliverable to me by XXXX. are still on my profile. 

Sent a dispute letter on XX/XX/20 received certified mail on XX/XX/20 and still have not heard back from XXXX. And XX/XX/20. 

Experian, XXXX XXXX was sent the same information on XX/XX/20, XX/XX/20 as well. 

Addresses were still being put on my credit report that was not mine even after I told them I never stayed at the addresses. I was also unable to verify my identity on the phone due to the wrong information in my credit profile.

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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes XXXX Transunion and XXXX Credit bureaus are currently still reporting XXXX XXXXXXXX - XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX, Transunion and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''

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 2016-02-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I had been paying on time every month for my credit account with CARECREDIT/SYNCHRONY BANK. I had made a final payment of {$78.00} to pay off the balance prior to the beginning of the new year on XXXX/XXXX/XXXX. I received a confirmation number and thought I was done with the bill. I received a bill on XXXX/XXXX/XXXX in the mail stating I now owe {$260.00} and that I missed payments for XX/XX/XXXX and XX/XX/XXXX, so my account is in default. The company returned my payment the same day I paid electronically, and they had given me a confirmation number of my payment! They never notified me that the payment was returned and waited for two months before telling me the bill was never paid. I tried solving this with them and called customer service where I was told I was speaking with a manager named " XXXX XXXX ''. He refused to make a case ID or give me any info about his employee ID and was very rude. He would not tell me why the payment was returned and why I was never contacted, only that I had to pay the late fees and that because my payment was not before XXXX/XXXX/XXXX I had to pay all the interest that had accrued during the promotional balance. I did some research and see that this credit lender has done this before to people. The company actually lost a law suit not too long ago, where it had to pay back the money it scammed from people, and restructured under a new name. Please help me as I made the payment on time as I always had, and they even gave me a confirmation number that I made it. They then returned it and did not notify me in any way, nor did they contact me that I was past due until they sent a letter which I received on XXXX/XXXX/XXXX. They are obviously doing what this company has done before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Name is XXXX XXXX, I reside in XXXX, XXXX. XXXX ; ( XXXX ) XXXX. I have a Home Mortgage Loan with a XXXX Bank called Umpqua Bank. In the last year they bought out Sterling Bank, and had to go through a huge Conversion, during this time my Loan suddenly started having all kinds of Servicing problems. I started getting all kinds of fees, then This year due to me being a XXXX Veteran, I get a huge break on my County Taxes, then i that same time I switched from one Insurance Company to another one. They could n't figure out the Escrow, with the Taxes because of Being a Veteran, then suddenly I owed {$500.00} more in my Escrow Account, when my whole Taxes went down alot, then they still ca n't get the Account right and they keep charging me money, with no one to answer " why, How ' where, when '' Etc. I called my XXXX VA Loan Dept. they advised me to get all of last years profile of payments, I tried 3 times to obtain it,. Due to the Conversion they have split up all the Services and the Loan Department is now in XXXX, XXXX. No Umpqua Bank In XXXX has any acess to Loan or Escrow files, I have to call up XXXX, then Loan Dept. ca n't see Escrow nor Vica Versa. I have been treated very poorly, and I truly believe there is something Illegal going on with my Loan. I desperately need help. I have paperwork, notes etc for you when you need them. 

thank you for Your time and Cooperation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am frustrated at the general consensus that mortgage companies are allowed to collect their interest upfront and not refund the money back if the loan is paid off early. Why are mortgage companies allowed to collect interest on money that has not been lent. Meaning that they should only be allowed to charge interest on the loan as it stands current. Not collect the interest on a note based on 30 years even if it is paid off in 5. I just think that as consumers the mortgage companies should be giving us a choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lakeview XXXX XXXX has reported paying our homeowners insurance, from escrow, to XXXX XXXX XXXX. The insurance payment was over {$1300.00}. XXXX reported XXXX never paid the insurance payment. XXXX has deducted the payment from my escrow and the bill remains unpaid. It will be overdue on the XXXX of XXXX. Both companies have declined to allow us to speak the with a supervisor or higher up. The representatives both voiced they had no ability to resolve the matter and would notify higher ups. Both companies took messages and promised calls back. They have not returned my calls. I was notified the XXXX XXXX is overloaded due to Covid and supervisors are working from home. The representative at XXXX XXXX was apologetic and very polite. XXXX representative did not seem amicable and declined further assistance while voicing the XXXX never sent a payment.

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 2020-10-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$1900.00}, {$2900.00}, {$0.00}, {$2000.00}, {$1400.00}, {$690.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
On XXXX/XXXXXX/XX/2015 I called customer care for XXXX credit cards to see options for trying to open my available for purchase amount. I had just returned an item and was looking to purchase something else. When I spoke to the representative he advised me there were no options and I would have to wait for the credit to apply. We then spoke about a possible credit limit increase. At this time he said that since it was a new account and nothing had changed the credit line probably would n't change. This is considered discouraging a customer to request a credit limit increase and is in turn against the law. When I advised him that what he just said was illegal he then said he can help me request the increase. I just really surprised and taken back by my interaction with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: AFNI INC.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
COLLECTOR FAILED TO DISCLOSE DATE ON RIGHT TO DISPUTE/VALIDATION REQUEST LETTER. THIS BEHAVIOR IS DECETIVE AND MISLEADING THE CONSUMER IS A VIOLATION OF CFPB-PROHIBITION OF UNFAIR, DECEPTIVE, OR ABUSIVE ACT. ( DODD-FRANK WAL STREET REFORM AND CONSUMER PROTECTION ACT. SEE ATTACHED. ALSO, XXXX NOTORIOS FOR SENDING THEIR DEBT TO COLLECTION AGENCIES PRIOR TO VERIFICATION OF DEBT PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 'm writing to dispute, for the third time, XXXX XXXX XXXX XXXX. Had charged off credit card through JCPenney owned first by GE then transferred to Synchrony Bank and this still sits on all three credit reporting agencies. Debt subsequently sold to debt collector, XXXX XXXX XXXX appears on all three credit reporting agencies, as well. 

So debt was paid through settlement and was told shortly thereafter all items would be taken off of my credit reports - all three agencies. 

THIS WAS TWO YEARS AGO AND STILL BOTH ITEMS ON ALL XXXX CREDIT AGENCY REPORTS. 

Received a letter XXXX XXXX, 2016 from debt collector wanting additional materials concerning the previous dispute attempt, of which XXXX XXXX was forwarded all this information previously. 

Not only is this frustrating that after two years this debt collector has failed to do what originally was promised, but sending a letter stating they have n't received any materials, appears to be delaying their process, which I do n't understand. 

I 'm attaching all three credit report sections listing JCPenney AND XXXX XXXX XXXX and a copy of their letter.

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 2020-10-04
Company: Support Collectors, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Summit AR continues to attempt to collect in a non-compliant fashion as the debt they are attempting to collect on does not belong to me. I have asked them several times to communicate with my attorney and yet they have not contacted him and it has been over 30 days now. This is our final attempt to resolve this matter before the matter is escalated. No lawsuits have been filed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Recently I stayed at a hotel in XXXX XXXX. The hotel generated XXXX authorizations from the American Express Serve Card, XXXX for {$310.00}, XXXX for {$90.00}, XXXX for {$180.00}, and XXXX for {$23.00}. Upon settlement with the hotel, I was billed XXXX for the XXXX authorization and XXXX for the XXXX authorization, which left a XXXX balance with the hotel. The XXXX authorization and the XXXX authorization remain on my Serve account, which went into a negative balance. After a direct deposit was processed XXXX dollars of my money is inaccessible. 
After contacting the hotel, the hotel contacted their third party credit card processor, XXXX and XXXX XXXX. The third party processors had no record of the remaining pending authorizations, they were cleared from their system after the hotel was paid in full. 
American Express Serve, however, continues to hold the money, and states that they can not remove the authorizations manually. American Express Serve also states that these " orphaned '' authorizations will drop off systematically after 30 calendar days. 
The hotel has contacted American Express and requested that they clear the authorizations, which American Express stated they did. Yet, the Serve account still shows the holds in place. 
American Express Serve states that they are powerless to rectify the circumstance, and that I will just have to wait until XX/XX/XXXX to regain access to my money.

Company response to consumer: Closed with explanation