BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: WI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I have received XXXX letters from Synchrony Bank within the last 30 days, informing me they were closing/reducing my credit limits on the following credit cards, most of which I have had for over 10-15 years : XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX ) accounts, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Quite a few of these accounts have XXXX balance or very low balances. I began experiencing problems with Synchrony around 1.5 years ago. I began seeing late fees of $ XXXX {$38.00} appear on my statements. After numerous attempts to contact a live person w/Synchrony, I was rudely spoken to, was told my bank ( XXXX ) did n't release my automatic bill pay in time for them to receive before the due date!!! I have worked closely with XXXX to insure all of my credit card payments were released, as stated in my bill pay. This deceptive/unethical manner of tacking on fees is just not right. I confirmed with XXXX on every occasion of these fees added on my each month 's bill, that payment on my credit cards had been sent to Synchrony, as stated on my bill pay each month. How can this bank continue to conduct such a deceptive manner of placing these fees on statements every month? Consumers are just spinning their wheels each month, by trying to rise above these hidden/false/excesive charges on our statements. I 've tried to call within the last three weeks and getting a live person with Synchrony is impossible. But ... I 'm receiving no less than XXXX telephone calls from 'UNKNOWN ', but no one is there, when I answer!!! I just do n't know what to do to correct this nightmare. It 's interesting that I 've had these credit cards for YEARS and only recently have I been been experiencing late payments, fees, endless telephone calls beginning @ XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I noticed XXXX debit entries with the names XXXX AND XXXX for {$19.00} each, which I did not request on my XXXX XXXX statement. I contacted Chase 's customer service to report it. The associate I talked with indicated that he will look into it. But when I checked my XXXX XXXX statement, I found that the XXXX entries were again on the XXXX statement. Hence, I decided to check previous months only to discover that the XXXX entries started as far back as XXXX XXXX. Because of this discovery, I decided to check my XXXX statements only to find that I was being charged between {$25.00} to {$35.00} every month, even when I was paying the monthly due amounts on the XXXX of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account was closed by myself due to continuous fees on account. Nothing owed. zero balance.

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 2020-03-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hazard insurance for my home was cancelled on XX/XX/2020 because my hazard insurance company ( XXXX XXXX XXXX ) did not receive renewal payment for 2020 from my escrow account. I've been paying for my hazard insurance every month as part of my monthly escrow payments. Now, my morgage lander ( LakeView Loan Servicing LLC ) sent me a notice saying that they will get a hazard insurance for me at their own terms, which will be much higher than the ones I had previously payed. When I called the escrow department at LakeView Loan Servicing LLC, no one was able to help me ( I talked to three different agents ). I was basically told that they disburse money to whoever they have on their records and they don't care what happens to this money, and if the other party gets the payments or not. They blame it on me saying I was supposed to renew the hazard insurance myself at the end of the term. But I don't pay the premiums myself, and I have no ways of controlling the insurance renewals. They do it out of the escrow, and I have to rely on their promptness in payments. So, I'm in total dispare at this point because it seems like the money I've been paying for the hazard insurance into my escrow account ( at least for the last two months ) is lost. No one at LakeView Loan Servicing escrow department is willing to resolve the issue. The more I call them the more irritated they get. I have no idea how to resolve this problem and who to contact next. If you need any additional documents, I will provide the on the request.

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 2022-07-16
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My debt is regarding a " Cleaning Fee '' in the amount of {$490.00} USD that is apparently owed due to my move-out. However nowhere in my lease contract states such cleaning fee or amount. I would have taken that in mind before even signing the lease, and make my own decision on to move in or not. I turned in my Move-out letter accordingly 60 days early as I was not renewing my lease. My Lease contract ended in XX/XX/XXXX, and I left the apartment in the same condition I moved-in. I'm a student and I had very little pieces of furniture. After receiving emails about the amount owed which at first was in the full amount of {$660.00} USD. I contacted the credit agency and asked what the fees were exactly. They weren't unable to tell me because they were waiting for a document to be submitted to them from the Apartment Complex. I contacted the apartment complex, and they weren't aware of anything. I called the Debt agency again because they had promised me they were going to once they received the itemized charges. They finally sent me a link were I was able to sign up and see what the charges were. I told them how outrageous and how there was no way I was going to pay some " cleaning fee '' when I know how I left the apartment. Also, taking in mind how the contract never disclosed such fee when you move out. I agreed to pay the other charges because they made sense to me, since on my last month living there my rent seemed to be a smaller amount that what I was usually paying monthly. So I went and gave them my credit card number and paid the other fees, which were mainly for Amenity fee {$0.00} USD, pest control {$7.00} USD, tenant rent {$61.00} USD, utilities admin chargeback {$12.00} USD, trash recovery {$11.00} USD, valet waste {$1.00} USD, sewer recovery {$23.00} USD, and water recovery {$50.00} USD. totaling {$160.00} USD paid on XX/XX/XXXX. I kept telling them that I was disputing the {$490.00} USD " Cleaning Fee '', because that was not part of the contract, and also because I left the apartment in the same cleaned condition I moved in to. I have contacted the Debt agency and they aren't able to do anything to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am a recent victim of identity theft. my information was exposed in multiple company breach 's. shortly after the breach i started getting all kinds of credit inquires. i would like for XXXX, XXXX and Transunion to remove these fraudulent inquires asap. the inquiries are as follows. XXXX XXXX on XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX NXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX cXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax once in XXXX and a second time in XXXX regarding reporting inaccurate information concerning XXXX XXXX. Equifax is reporting an open date with XXXX XXXX of XX/XX/XXXX. One I have never opened an account with XXXX XXXX and they refuse to send me any kind of contract or documentation with me and XXXX XXXX. Two, Equifax is reporting a last active date of XX/XX/XXXX. How can there be an open date of XX/XX/XXXX and last active of XX/XX/XXXX? Last, Equifax is reporting a date of last payment of XX/XX/XXXX. I have never made a payment to XXXX XXXX and how can there be an open date of XX/XX/XXXX and last payment date of XX/XX/XXXX? Equifax has once again responded that this information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Associates called on XX/XX/XXXX. They called myself, my wife, and my brother and sister in-law. My brother and sister in-law aren't blood relatives, so they have no reason to call them. I pulled two credit reports. On one credit report they have made multiple inquiries. I haven't missed a payment since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place.

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 2022-08-17
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX  XXXX Balance - XXXX XXXX Balance {$2100.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance - If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2017-01-12
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XX/XX/2017 I went into a Chase branch in XXXX XXXX, MI to apply for a checking, saving, and credit card. I was approved for the checking and savings accounts, which offered a {$500.00} bonus ( {$300.00} for checking and {$200.00} for savings accounts ) for creating both, provided a few conditions were met : namely, setting up Direct Deposit for the checking account within 60 days and depositing and keeping {$15000.00} into the savings account for 90 days. I made an initial deposit of {$1500.00} into the checking account, and {$15000.00} into the savings account, fulfilling all the conditions except direct deposit, which I was in the process of setting up. The offer stipulates that the bonus would be deposited within 10 business days. 

I began using the account as I normally would for a primary checking account. I made a mobile deposit of {$5.00}, and initiated an ACH transfer of {$100.00} from my old checking account. 

However, just two days later, I received a phone call from XXXX XXXX, the CSR who set up my accounts at the Chase Branch. He informed me that Chase was closing my accounts in the next 10 days, and that I would need to come by the branch in the next couple days to pick up a check for the balance of all my accounts. I was told no bonus would be given, despite me having met the conditions thus far. Conversely, I had no disqualifying behavior according to their terms ( e.g. I had never taken advantage of a previous checking/savings bonus ) Chase breached this contract on their own, is holding {$16000.00}, and should now have to pay the {$500.00} bonus I would have earned if they did not take this action. 

In short, I relied on their promise to pay me a {$500.00} bonus and would not have set up these accounts but for that promise being made. In return, I received nothing and Chase is earning interest on my money while making a false promise. This is unfair and Chase should be held accountable for their promises and advertisements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged overdraft fees for XXXX tranactions. Although, I had the available funds. There is a reduction balance for the XXXX transactions charges, but you do not see thats its deducted from the overall charge its show as pending status. If it showed the deduction and the overall balance amount, I wouldnt have aquired those fees once a check when through that had my balance over drawn. This is a constant issue that I have with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Pay for discover identity theft protection had a issue with identity theft and compromised bank account. They havent taken any steps to remove the charges just keep billing your he account that was removed and compromised. Have called several times all the gave me was a reference number that means nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Optimum Outcomes, Inc.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company robocalls our landline number to attempt to collect a medical debt owed by an individual who does not live here and has not lived here since 2020. We have answered the call and indicated that the individual does not reside here, is homeless somewhere in California, and continue to call. They purchased the debt from the Emergency Room physicians who operate the ER at XXXX XXXX XXXX XXXX in XXXX, Alaska. 

The company is Optimum Outcomes, INC they purchase debt from medical providers, including XXXX XXXX physician operating companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: GOLDMAN SACHS BANK USA
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I call the credit cards company I told them that I never open that account that somebody use my information to open the account. 

They say that I need to pay, I told them no! because somebody stole my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: FREEDOM FINANCIAL NETWORK
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX 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 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