BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Please, see letter below I'm sending for XXXX time to Synchrony Bank XXXX XXXX, FL XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Synchrony threat letters without assigned case number To Whom It May Concern : Dear EXTORTIONISTS FROM SYNCHRONY BANK =. 

I have provided your lousy trained company personnel with dispute letter explaining chronology of events between your XXXXXXXX junk selling company QVC and yourself and yet you are threatening me with alleged balance due that I dont OWE you since XX/XX/XXXX I have returned junk from QVC to QVC  XXXX XX/XX/XXXX ( see attached proof ) and spoke with both QVC  XXXX and your company XXXX  on XX/XX/XXXX and was assured that all charges including your GREEDY finance charges were removed. 

I just got another letter from you that somehow you are not satisfied with your own XXXX  resolve and will now attempt to EXTORT money from anyway. 

Your company is a menace on United States body of business and individuals. You should not perform any business on this land and just close the doors and go away where CRIMINAL EXTORTION is legal. Your lack of business ethics is astonishing. You are making us customers to hold your business affairs as your employees are not educated enough to make research and keep records. Shame on you. 

Please, remove all charges against my name associated with QVC  purchase and return of their junk  sold on their site. 
You are committing EXTORTION against lawful Citizen and that is ILLIGAL in our country. 

XXXX XXXX XXXX : CFPB

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 monetary relief
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I filed a claim with the FTC for the equifax data breach under the pretense that by waiving my rights to pursue additional legal recourse against equifax I would be paid {$120.00}. I filed this claim on XX/XX/2019. I discovered today via the FTC website that they would not be honoring this agreement and the payment would likely be much less. ( XXXX XXXX XXXX/ XXXX XXXX claims as of today = {$7.00} per person ). This does not even account for those who have had their identities stolen and were ( before today ) entitled to up to {$20000.00}. 

The FTC is encouraging people switch to the credit monitoring option but I do not trust equifax to monitor my credit after they have exposed my financial information and social security number. I don't know anyone who would agree to have the company who was so knowingly and extremely negligent do this. 

Please note I attempted to submit a complaint on the FTC website but was directed to this website instead

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS purchased our mortgage from XXXX bank. The entire process has been a complete mess. SLS never notified us that they acquired our loan and we continued to pay XXXX. After months of dealing with SLS, they finally obtained our payment from XXXX but during those months they called me daily demanding I pay a second time and threatening our property. Our initial statement from SLS was full of errors, including material errors in the escrow accrual. I got them to correct the escrow amount and in the process they confirmed they received our escrow balance from XXXX and acknowledged they needed to pay the taxes. Despite this confirmation, SLS failed to pay the property taxes on our property and we received notice from the county. I notified SLS and they assured me the taxes would be paid. I later received lien notice from the county and contacted SLS. They again assured me it would be taken care of. I then went to refi an home equity loan and was notified that the balance was still outstanding with the county and the lien had been sold to a 3rd party. SLS this time said they were researching and one step outstanding was determining who internally was at fault and they couldn't pay until that was determined. As of this complaint, I am still waiting for SLS to pay my taxes. I was told I could pay the taxes myself and SLS would reimburse me to get this resolved but if SLS hasn't paid the county as they promised, why would I take the risk of that proposition. In addition to the tax issue, I received an email notifying me that I was late on payment despite the fact that I had set up autopay. I'm assuming because of the escrow issue, the autopay was turned off without notice to me. As a result, SLS has applied late fees to my account. I noticed on their website that they have also noted me as late payments last year that was solely due to their purchase of my loan as I made all payments on time last year.

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 2022-03-18
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: Account information incorrect

Complaint:
XXXX XXXXnsurance gave me a quote on increasing my auto insurance and they automatically applied it to my account when I noticed about 2 days later I immediately called and canceled it. The information reported is false.

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 2018-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: MI
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:
The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to Experian but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : EXPERIAN XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX EXPERIAN XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2019-10-17
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I brought a car from from car hop the check engine light on and the car was recalled unable to get tags recall d fixed without me paying for it a short in the headlights and panel causing a fire advised car hop this was a lot will like to return car threaten to ruin my credit even if I volunteerly return the car this car can't even get CA dmv tags

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-03-18
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
PHH Mortgage Services has spontaneously scheduled an illegal sale of our home on XX/XX/XXXX, in direct violation of numerous laws and regulations, while sending us no statements or other critical correspondence. 

They continue to periodically attempt to sell our home while providing no information or validation of any of their claims. Their violations continue to accumulate and remain unresolved. 

There are still unresolved Notices of Error from XX/XX/XXXX and XX/XX/XXXX. This company can not move forward with a sale while there are pending Notices of Error that have yet to be addressed and resolved. 

It is even more striking that I have not received any statements from PHH since XX/XX/XXXX, and I have not been in bankruptcy during any of this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Closed an account from XXXX XXXX with cashiers check as I was moving to another location which did not have XXXX XXXX. I then opened an account at local Bank of America branch and the cashiers check I had didn't deposit until about 90 days, Bank of America requested documentation and the proof that it was a valid check. I called the previous bank ( XXXX XXXX ) and the branch manager sent over motorized check/copy and letter confirming it was a valid check not suspected fraud as Bank of America implied. Bank of America closed the account and placed suspected fraud on the XXXX which severely refrains me from opening an account at any other bank. This information is false and need to be removed from my history as I am not a fraud.

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 2022-12-23
Company: EQUIFAX, INC.
State: NC
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 XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate.

This is false because there are a number of inaccuracies on my consumer report that still remain.

1. Nothing under 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirement of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority. 
XXXX XXXX XXXX XXXX XXXX XXXX This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account has been deleted from Equifax but somehow it is still being reported by you. I am aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete, then, the credit reporting agency shall delete it and notify the data furnisher and creditor. If Equifax notified you and the data furnisher that it was inaccurate and incomplete, how are you still reporting this information? 
XXXX XXXX XXXX XXXX XXXX  They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). 

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a PSLF application many months ago, but had not received any update or resolution. After calling a few days ago, I was told that my application had been idling, due to a transfer of servicer. They agreed to begin work on my application. Despite filing early and comprehensively, my application was severely delayed ; because I am due a refund, this not only led to aggravation and wasted time on my part, but a delay in receiving funds due to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-12-28
Company: EQUIFAX, INC.
State: MS
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've sent an affidavit to XXXX, XXXX, and Equifax showing my identity was compromised. I sent a death certificate and identification of the person who opened the accounts. I also sent my identification and they have done nothing. There are many names on my credit reports that are not mine. I verified MY identity but the names still remain. I have been in a paperwork battle with the XXXX credit reporting agencies since XXXX of 2022. They refuse to resolve these issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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:
Im XXXX I had my personal info stollen out of my truck at work. My social, Drivers license and passport. A month or two latter my info was used in several attempts ti obtains credit. They were unsuccessfull in opening any account But the false name, address and phone numbers they used remained on my account with out my knowledge or awareness for many years. In XXXX of XXXX I started to clean up my credit I discovered false addresses names phone numbers on my report.I cleaned my report so that it reflected my accurate information.I notified XXXX, XXXX and Experian of an account on my credit report that was associated with Fradulent information. Incorrect Name ( XXXX XXXX XXXX ) my correct name XXXX XXXX XXXX as it appears on my social. XXXX and XXXX were quick to act and remove this inaccurate and detrimental account and information.Experian was the only one that has not deleted the wrong info and account reporting fradulent information Not sure if Experian follows a different set of laws or guidelines. Experian said that from there investigation they were siding with XXXX XXXX XXXX in the action reporting of inaccurate information on my credit report. I attempted to challenge the outcome of the investigation performed by Experian. But from the report it looks like they took there word over my own. Not to sure why XXXX XXXX is still reporting this and I would like to get this event behind me.

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 2022-03-18
Company: Dream Center Education Holdings
State: WV
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2022, XXXX sent me information regarding the investigation results pertaining to a recent dispute with the US Department of Education, as verified and accurate, and I the consumer in fact disagree with the results. 

Under the Fair Credit Reporting Act there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy and adopt reasonable procedures for meeting the needs for commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevance, and proper utilization of such information. 

15 USC 1681 ( e ) under FCRA INVESTIGATIVE CONSUMER REPORT If the information XXXX investigated is accurate, I the consumer in fact demand that XXXX provide me with the name of the person that was interviewed and all information shall not include Factual Information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The investigation therefore is incomplete and displays unverifiable information that is inaccurate, unfair, and a violation of my consumer rights and privacy, which is a result of fraud and identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : IN 2017 - Perhaps the payments were applied wrong or delayed a day or two, but not more than 30 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation