BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Synchrony Bank currently has an issue where they do not properly perform the " autopay '' feature currently advertised on their website. For my personal situation, I pay my bill on the XXXX of each month through autopay and another statement generates on the XXXX of each month. 
The autopay feature failed on the XXXX with no notice and a new statement was generated on the XXXX showing I had made no payment. Synchrony Bank then sent the statement showing a no payment to XXXX, XXXX, and XXXX. This has harmed my credit while I am currently applying for a loan. Synchrony is currently reviewing the technical issue while I am stuck having to fix their issue. They said they would not reach out to fix their problems with the credit companies and that they will just take the full balance on the following month 's billing.

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 2022-01-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: RI
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:
My mortgage recently transferred providers, during this transfer my credit was pulled without my consent and has since dropped my credit score dramatically. XXXX XXXX Ran my credit without my consent or knowledge, I am not sure who this company even is. Since then, my mortgage has not been reported on my credit report and currently has that I do not have an open mortgage account, which is incorrect. I have had a mortgage since 2019 and have transferred providers before with no issue, and no credit was pulled then. My credit score has dropped dramatically, dropping XXXX points, from XXXX to a XXXX. Very frustrated and concerned with the fact that this company got all of my information and then ran my credit without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: AFNI INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received a debt collection letter from AFNI dated XX/XX/XXXX, regarding an alleged debt they claimed was mine. I submitted an email directly on their website requesting validation of the debt on XX/XX/XXXX. I received a response from their company a couple of days later stating they will contact me in writing with the results. On XX/XX/XXXX I received an alert from XXXX stating an account was added to my credit report from AFNI. I have not received any correspondence from them by mail or email. But yet they reported this on my file. I check my mail on a regular basis as well as my emails. As well as my credit report. Theyre obviously not taking consumer request seriously. Im beyond livid at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX year old widowed XXXX senior citizen who is not only a " Victim of Predatory Lending '' since 2007, but I believe that my " Civil Rights '' have been violated according to the 13th & 14th Amendments of the U.S. Constitution & Certain Congressional Acts, especially applied to an " Individual '' or a " Minority ''. Each year nearly One Million Loans are made with " unreasonable terms '' & " abusively high lending fees ''. The Elderly 's property wind up in Foreclosure, because the institutions know that they can not afford this in the first place! I have been told by Attorney 's at the XXXX Supreme Court house that it is in fact " Predatory Lending ''. I have proof if you need it!
I have submitted with the help of my niece over 25-50 Loan Modifications to the different agencies that were chosen to collect from the Original Mortgage Company, American Dream Mortgage Bankers , Inc. Each one was denied because I could n't afford the payment. The servicing company at this time is Bayview Loan Servicing , LLC. Please note that I am in the process of yet another loan modification that was requested from them and received by my niece on XX/XX/XXXX( please note that my niece receives all the necessary paper work, because I can not do what needs to be done ).
I recently found out that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has the original note.
How is this possible that Banking Institutions can get away with this Injustice? It has been 10 years that I 've been fighting to keep my home, why is n't anything being done to help me? All I keep hearing is " You can not Afford this '' ... .of course I ca n't, I could n't afford this in the first place. Unfortunately, for me it was the first time that I had to handle business shortly after my husband passed.
I have sent copies of my latest " Hardship Letter '' to the Honorable Donald J. Trump USA, The US Dept. of Justice, Civil Rights Division, The Honorable XXXX XXXX, XXXX XXXX, XXXX XXXX, The US Dept. of Urban Development, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I now owe on top of my 520.000.00 Mortgage {$350000.00} in late fees. I only receive SS & Veterans Pension for Husband. I have two tenants that lease the 1st & 2nd floor apartments. Please help me resolve this issue once and for all. I am sure there are millions of Seniors in the same place, maybe we should start a " Class Action Suit ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: AMERICAN EXPRESS COMPANY
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Contacted AMX on the XXXX of XXXX after arriving at XXXX to find out that they canceled the hotel reservation. Had made the reservation hours earlier and notified them that we would be arriving around or sometime after XXXX. We were assured that the front desk would be notified and not to worry. We placed another call to reservation to let them know we were arriving shortly. This call was sometime shortly after XXXX and around XXXX. However, reservation informed us they did not have a room. 

I went directly to the hotel clerk and spoke with the clerk at the front desk who told me that it was reservation who canceled the room because it was after XXXX. I told the clerk that we had called twice to notify them that we anticipated an arrival time of around XXXX. 

He sent me across the street to a motel. The hotel clerk at the motel did not seem to know anything about XXXX covering the charge for one of their rooms. The clerk at the motel wanted payment. 

I called AMX while I was at this motel and spoke with a gentleman on the phone to report that XXXX was refusing to refund me for the room that they opted to cancel. I explained I did not want to be charged as I felt strongly that this was a scam. The hotel clerk admitted knowing that we would be arriving late into the morning hours. I was charged {$170.00}. 

This motel was not a place where I felt we would be safe and I was not about to get charged again and their rooms advertised for as low as {$50.00} to {$90.00}. 

We slept in the vehicle at a rest stop and drove on to VA where we checked in at the XXXX XXXX in XXXX. The clerks at XXXX informed me that the way the system works in the hotel industry for reservations is that when someone calls to notify the hotel that they will be arriving late that the room remains reserved until the parties arrive. They informed me that the clerk had the option to keep the reservation and instead opted to give the room away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filled fraud on my social security number already and still none of the negative reports are off my report. I 'm looking at this report and it look like it belong to someone else. Some of it simply is n't mine and some is very old and should be off no matter how times it get sold to different collection agencies. For example : XXXX XXXX XXXX on page 11, I 've never heard of, and even from this report it should be off. XXXX XXXX XXXX is at 16 years old and should be off my report.XXXX XXXX # XXXX # XXXX # XXXX I know nothing about and is false, Never heard of XXXX XXXX # XXXX before and should not be on my report, Never heard of XXXX XXXX XXXX # XXXX, and should n't be on my report, have not had an account with XXXX XXXX # XXXX, which is reporting here under the name JH PORTFOLIO DEBT EQUITI. # XXXX XXXX of these things I do not know of and is fraud and should not be there. Some are too old to be there as well. XXXX XXXX XXXX XXXX XXXX # XXXX is false those are false balance owed. I am also requesting the inquiries be taken off my record as well, because I have not applied for credit of any kind from anyone to explain all these inquiries. I have filed identity fraud on my social security number, and had a fraud alert put on my credit. I am amazed at all the false reports on my credit report.

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 2022-10-06
Company: American Financial Network Inc.
State: AZ
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:
Greetings, To whom it may concern, i XXXX XXXX XXXX. the consumer come in good faith. I recently requested a copy of my consumer report as Im trying to purchase a home for my family and myself. It has came to my attention that on XX/XX/2021 and again on XX/XX/2021 American Financial Network Inc know as ( AFN ) unlawfully reporting an unauthorized inquiry on my consumer report without my permission, or without a permissible purpose by law ( AFN ) is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). I have NOT given you permission to access my credit profile. You also do not have any permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C section 1028A. Let it be known that I the consumer have not initiated any transaction with American Financial Network inc, Furthermore, I do not have an account as defined under 15 U.S.C 1693a ( 2 ) with American Financial Network inc for review or collection. Pursuant to title 15 U.S.C 1681n ( a ), Any person who knowingly and willfully Obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Global Asset Management Group, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They call once a day threatening to garnish wages, and threatening legal action using an automated message. I have the recording of the message on my voicemail.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-06
Company: CORELOGIC INC
State: CT
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:
See complaint XXXX for more information. On XXXX XXXX, 2017 there are 2 hard inquiries on my credit report for CREDCO which appears to be through XXXX. XXXX  contacted me via phone because I was looking to refinance my mortgage. I spoke to XXXX XXXX who was very rude and pushy and he completed an application in my name which I did not request and then he did a credit check as well. I contacted him and he said it is there protocol to submit applications when someone is looking for rates but I did not ask for rates. I told him I was not interested and he did it anyway. I also emailed his supervisor and never got a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: First Data Corporation
State: TN
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 applied for assistance with my utilities with XXXX XXXX XXXX and XXXX. XXXX made a payment to account number XXXX. XXXX check number XXXX dated XX/XX/XXXX. Another payment was made on the same account number using check number XXXX, in the amount of $ XXXX-XX/XX/XXXX. A payment was made to EPAY from XXXX XXXX XXXX account number XXXX, in the amount of {$360.00} date XX/XX/XXXX. All of my transactions was being manipulated by the XXXX Family. They 've stolen my identity. Social Security Card have been stolen, my drivers license have been stolen. All my former employers have been changed with all three credit agencies. My last employer from XX/XX/XXXX-XX/XX/XXXXis XXXX XXXX XXXX XXXX . Their ein number is XXXX. IRS can verify my employment with the company. Social Security can verify my employment. My social security number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: TX
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX my SS is XXXX address XXXX XXXX XXXX XXXX OH XXXX. My 2 XXXX XXXX accounts were closed without any remedy or resolve and it cut off my life line in my business. I had a few of my employees and co-workers on my account as AUTHORIZED USERS, I originally asked to have all of them remove before my account was placed on permeate restriction status without remedy or resolve. My account is my financial responsibility and not the authorized users have zero responsibility XXXX XXXX is currently reporting negative information on all the previous Authorized users credit reports please delete/remove the following AU : XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX AUTHORIZED USER NO CARD XXXX XXXX ... XXXX AUTHORIZED USER

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 2019-11-08
Company: Experian Information Solutions Inc.
State: VA
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 don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2021-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

. Identity Theft XXXX CAPITAL ONE BANK XXXX XXXX A Account Number : XXXX This is not mine. 
. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX CAPITAL ONE BANK XXXX XXXX A Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans were held with XXXX from XXXX. During this time, I was Never told about PSLF, or put or offered and IBR plan. I was put on a graduate plan and then in forbearance. This was proven in the lawsuit, however, paying the borrower a check for {$260.00} will not help with almost three years of payments that could have counted for PSLF waiver. 

The forbearance periods all need to be counted retro back to 2007. So much forbearance steering took place. XXXX is a prime example and did this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I opened this account with XXXX XXXX on XXXX,2004 which is now navient they said I owe XXXX which i think is not correct. I was attending XXXX XXXX University. When I initially signed the loan I was not given an explanation about the loan terms or how much I was signing off for on the loan. I am now not able to keep up on the loan and I feel as if the harrassment of this company has become overwhelming.They call my XXXX year old grandmom every day about 6-7 times a day and it is causing stress. I have called to try to make sensible payments but what they want me to pay I can not afford. They call my phone at least 5 times a day and I have already explained to them I can not afford these payments. They have closed the account on my credit but they continue to harass me daily. This is a personal loan and is pass the statue of limitation but it is still on my credit. This is causing me a lot of grief and pain I can not even get approved for a car because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: EQUIFAX, 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 status incorrect

Complaint:
made payments in XXXX XXXX which brought account to current. However, it 's showing account was closed on XXXX XXXX. Repossession/Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent this company multiple letters asking for them to verify the debt was said I owed I have copies of my certified letters and my tracking numbers of them receiving the letters.They never verified the debt that they said I owed also they are not licensed to practiced in Tennessee multiple credit laws have been broken and also this company have messed up my credit and in the process I want to sue because of the damages tat have been done.

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