BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-20
Company: National Credit Systems,Inc.
State: GA
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:
First I received a notice in the mail but not until XX/XX/XXXX I moved from there XX/XX/XXXX.I immediately contacted them to dispute that this was mine and they had already sent it to collections and put it on my credit 2 months prior to me receiving the notice.I was very upset to say the least.An error had been mADE I explained to the lady on the phone and I could proove I immediately put the docements together and sent to them in return I wanted to see what proof they could provide and OF course it was nothing but hand written lies .I asked for photos since they were trying to charge me for damages and they have yet to provide me with any.I however have plenty of photos prooving that there was a leak in this apartment and the mold damage, and along with a letter from the management ackknowledgement that I would not be charged damages and that I was moved out XX/XX/XXXX and they still wont remove this collection.This has caused me to not get employed in my profession and Im also trying to buy a house.Also I moved from this place in XX/XX/XXXX. Why did it take over 2 years for them to decide to place this file in collections? This file was placed on my credit report XX/XX/XXXX why not after I moved in XX/XX/XXXX if this was really mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: First Premier Financial, Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On the day my payments are due on my auto loan account First Premier Financial begins calling at XXXX, every other Saturday. Not even giving me a chance to wake and get my day started. I have a good pay history with First Premier, and have fallen behind a few times. My account has never gone 30 past due. Since being with first premier i have recieved nothing but horrible customer service. The reps as well as a lady named XXXX who says she is from corporate call and disrespect whoever answers my home telephone. I have requested many times for my home not to be called before XXXX as I am not home until thatn time. The request was granted XXXX time. Account manager XXXX has called my home and told my child care provider she is a liar, she is beginning to see a pattern and is plain rude. She and another rep XXXX both have threatened reposession with my account only being 14 days past due at the most. XXXX has called and hung up on my wife because she was not getting the information she wanted. On Friday XXXX XXXX, 2015 XXXX placed a call to my home at XXXX XXXX from a cell phone not associated with First Premier Financial. Had I been Home and spoke to XXXX I would have provided my personal information on a 3rd party line. The telephone caller ID appeared as XXXX XXXX phone number XXXX. When I called the phone number back a lady answered whom did not identify herself as First Premiere Financial. She answered and said hello, no business greeting disclaimer opening. Nothing. After realizing who I was she said hold on I know who called you. I know I have an agreement with First Premier Financial, but the way they go aboout collecting their payments is not in a business like manner at all times. She has never called and been pleasant or professional. She always calls with a horrible bad girl attitude. I know I have a payment and i know its to be paid, the company has no consideration for their customers and the situations they may be facing. Its cold shoulder have my money or im taking your vehicle. I feel the way I am treated and im sure others are is unprofessional and should be addressed. I feel their tactics are unfair and unprofessional. I also was advised about a deferment. I accepted and was still charged my montly payment. i was never given time to catch up. Months later it was addressed that i had been over paying and was told i had a credit of {$100.00}. They have also had someone come to my home when my account was less then 19 days past due stating i needed to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: ECMC GROUP, INC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am currently in Chapter  XXXX  Bankruptcy repayment, so I am not required to make payments on my student loan. My loan is serviced by  Educational Credit Management Corporation  ( ecmc.org, ECMC ). I can, however, make voluntary repayments, which I have been doing for a number of months in order to avoid interested being capitalized back into the principal of my loan.     On the  ECMC  website, when you select to make a voluntary payment it tells you how much interest per day is due on your loan account.  One  can not decide to pay one loan or other, a single payment for your account with ECMC must be made. What is not made clear is that this amount is  PER  loan. This is very misleading and led to me not making the correct payment ; I was underpaying by 50 % when I thought I was paying the correct amount to avoid interest capitalization.      One  must look elsewhere on their website ( and really dig to find it ) in order to discover that the amount on the voluntary payment page - where most people are looking for this information so that they can make the right payment - is in fact PER loan, not a total amount for your entire account with ECMC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Other fee

Complaint:
I applied and received an online account with XXXX XXXX that later turned into just Synchrony Bank. I was told I had the option of paying interest as I go or delaying interest payment. I chose to pay as I go. When I called, they said I did n't have the choice. They changed it without my permission to delayed interest payments as long as payments were made on different amounts in different periods of time. But no matter how I made my payments, they shifted money around that did n't pay off the things they said I had paid for with delayed interest, which I never wanted.

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 2017-03-10
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter saying I owe a student loan and must send the amount to them.The letter used the XXXX XXXX XXXX XXXX. but did not indicate who is the servicer who gave them the authority to collect for them. I called the number of the collection agency and the person on the phone said it was a student loan for my daughter XXXX yrs ago in my former married name, ( I 've been divorced since and use my maiden name now ) and its defaulted loan. The person on the phone said that I can make payment arrangement based from my income and budget, as low as XXXX dollars a mo. in order for the debt to be out of defaulted status. I was skeptical, but I answered all personal questions including where I worked, how much I make, even my budget etc ... since I barely have money left for food expenses, he said I qualify for XXXX dollars a month. I thanked the person and I said give me the website where I can pay online. He said that their program is only for automatic payment and I need to give my bank acct or debit card to pay the XXXX $ monthly payment. I got nervous and I told him that I will call him back in the morning and I got his name and ext number. The following day I researched and make calls and with the help of the account number on the letter the collection agency sent me, I found out that this so called defaulted loan, has zero balance. That 's why it was not even in my credit report, and I do check my credit score every month, and my credit report at least every 6 mos. So I blocked the collection agency 's phone number to stop them from calling me. They have been calling me and leaving messages, even using local phone number to trick me to answer their call. After 15 days of the original debt collection letter, I received again XXXX letters back to back in 2 days, same exact letter, but the balance owed is more but with same loan account number. So I decided to report them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07
Company: Rocket Mortgage, LLC
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
THE WORST EXPERIENCE WITH A LOAN COMPANY, BAIT AND SWITCH, COST ME A XXXX APPRAISAL FEE OF MORE IN LOAN SERVICE FEES AND MADE ME PAY OFF CREDIT ALL TO FIND OUT I DIDNT QUALIFY FOR LOAN THE PROMISED FROM START AND TRIED TO PUT ME IN A LOAN TO BENEFIT THEM AND PUT ME BACK MORE IN DEBT, THIS MORTGAGE COMPANY HAS TONS OF COMPLAINTS CHECK THEM ON XXXX THE HAVE A BUNCH OF COMPLAINTS DOING THE SAME THING TO ME THE BAIT AND SWITCH YOU MEANING THEY TELL YOU WHAT YOU WANT TO HER AND AFTER YOU INVEST MONEY TURN THE LOAN AROUND TO SOMETHING THAT DOES NOT HELP YOU AT ALL KNOWING THAT THEY KNEW IN THE FIRST PLACE THEY COULDNT PROMISE YOU THAT AFTER GIVING THEM ALL THE PAPERWORK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a hard inquiry from SyncbXXXXpaypal  on my XXXX XXXX Credit report on XX/XX/2020 without my authorization. I do not know who this company is and where they got my information from and why they pulled my credit. I contacted paypal via mail on XX/XX/2020 informing them of the unauthorized inquiry on my credit report and I have not yet received an acknowledgment of my concern and complaint. I also called ( Syncb ) Synchrony Bank to see if they were the ones who pulled my credit report without my permission and was told they did not have no information or application on me and they could not find me in their computer / System. After unsuccessful researches and responses, please research and remove this inquiry from my credit report. 

Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: JPMORGAN CHASE & CO.
State: MI
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:
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXXXXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I would like to request a security freeze placed on my Credit Report. 
I choose to opt-out of your disclosing future information until further notice including the any access to my personal financial ID and SS #. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. I have several errors on my file from my addresses name and unverified account. Fist up My accurate and only name is XXXX XXXX XXXX please remove any other variation of my name. Please remove the following SS XXXX it is not mine SS # my correct SS XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX please delete/remove the following XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH 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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities

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 2020-04-11
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In the XXXX, my employer opened a retirement account for me at TIAA ( https : //www.tiaa.org/public/index.html ) -- I was in my XXXX,  left that employer after three years, and mostly forgot about the account. 

A few weeks ago I decided to look into it and learned that I could have started withdrawing funds seven years ago. The total had grown substantially, and I started sending TIAA emails and making phone calls, having read online that the organization can be a challenge to deal with. TIAA representatives told me that I could only withdraw a portion of the funds now, with the remainder paid out as an annuity over the next decade. I agreed to that, and gave them my bank account info so that they could do a direct deposit. 

And then, an insurmountable obstacle : they need my husband to sign a notarized waiver agreeing to the deposit. I explained that we were under a Shelter in Place order, that our bank account is in both names, and that California is a community property state. To no avail. I was told I had 30 days to get my husband 's statement notarized. Obviously, that is not going to happen within their timeframe. 

I understand their reluctance to give me my money, but it is hugely frustrating to be in this situation with no recourse. I value any guidance you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: VA
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:
in accordance with fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 ... ... ... ... section- ( 602a ) section- ( 604a ) XXXX XXXX XXXX  XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Experian Information Solutions Inc.
State: WI
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-04-11
Company: Experian Information Solutions 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 {$4500.00}, {$21000.00}, {$42000.00}. 
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 XXXX XXXX, 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 {$4500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 3. XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account.

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 2020-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On all 3 of my credit reports. It shows that it has not been updated since XX/XX/XXXX. Current balance should be {$450.00} monthly payments are being made monthly on the XXXX of each month. I am totally reviewing the reported pulled XX/XX/XXXX and no update for XX/XX/XXXX. Then XXXX it should be XXXX. Need assistance because I was told there is nothing they can do and they hung up on me. 

Account # XXXX opened XX/XX/XXXX.

Company response to consumer: Closed with explanation