BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: FIRST HORIZON BANK
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020 XXXXXXXX transferred all of my funds ( Checking & Savings ) to First Horizon Bank as part of a merge. Closures done without my knowledge & consent. After discovering my emptied accounts. I contacted XXXX XXXX gave me a phone number to First Horizon. After an hour on hold I was directed to the web site to access my new accounts. I was not provided with checks & still waiting for checks. Unable to pay bills. 

I live in XXXX XXXX. First Horizon does not nor are they going to open a physical location in the XXXX XXXX XXXX. I have been informed that all new physical First Horizon expansion 's are in the NC & Va. 

Today ( XX/XX/2020 ) I tried to transfer my Saving 's Account monies to new bank. The online cutomer portal would not allow me to access my new bank & account. Again, telephoned Customer Service. On the third attempt ( placed back into general que once, & disconnected from the system once ) I was then told it was impossible to telephone wire from account to account & that I would have to come in to a physical branch. The closest First Horizon Branch is 2.5-3 hour drive from my primary residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
the collection account in my report, the name of the account XXXX is reporting on my file and this account dose not belong to me the original creditor is XXXX XXXX account no is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: AL
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:
Equifax continuing to report many fraudulent inquires on my credit report that I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: CT
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:
I have reached out to The three credit bureaus and the original creditors to try and fix this issue and I either get hung up on or flat-out ignored. XXXX XXXX told me they were going to correct it and made me wait 10 business days to see the change only to get nothing and be flat out IGNORED! I sent out letters to them to correct this issue and have not heard anything in response to my letters. This is a violation of my rights as a consumer and is gravely impacting me. I was never late on this account and need this error fixed IMMEDIATELY!

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 2023-03-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX This is a complaint against Synchrony Bank related to my Synchrony Premier MC account. 
On XX/XX/XXXX, I contacted Synchrony Customer Service by phone to inquire about a billing issue THAT IS NOT related to this complaint. I was connected to a Customer Service Supervisor named XXXX who informed me that Synchrony has issued a new Account Agreement in XX/XX/XXXX. I requested a copy of the new agreement and the customer supervisor promised that it would be sent by XXXX mail within XXXX weeks. A recording of the conversation with customer service supervisor on XX/XX/XXXX was made. 
I have not to date received the copy of the Credit Card Account Agreement although it has been more than five ( 5 ) weeks since I spoke to Synchrony Customer Service.

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 2018-11-09
Company: Westlake Services, LLC
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:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
First I would like to leave clear that due to the impact of Covid-19 I lost my job and I have not been able to find a job while my husband hardly gets his hours for a part time job to work on his new job and the fact that our kids are taking school at home does not help even though we are getting help from local churches, food banks and even family members, our situation is still hard at this time as we both are slowly sinking into debt. 

The problem that I have with Midland funding is that I owe them the amount of {$710.00} which might seem like something small and easy to pay for the average person but the thing is that at this moment we can not pay the full amount due to our circumstances that we are going through and we are not sure if we are going to be able to pay it later on because like I said we are slowly sinking more and more into debt due to that we can not follow up with the bills even though we have already tried to reduce our expenses as much as we could. 

Me and some close friends that have been on this kind of situation have had a discount of more than 50 % but for some reason when my husband called Midland to see if they could help me somehow making me a discount for what we are going trough they just thought that it was ridiculous that we would think that we could get an offer under 50 % and they gave us the offer of 95 % in payments even though my husband had already explained her that he only had {$300.00} and was not sure if he could follow up with the payments because of our income and that we are slowly sinking into debt. 

We felt like we where taken as a joke and they did not care about of our situation at all as I heard on the call. For a moment there I was put on hold but the representative did not mute herself and I heard her to talking to someone else in what seemed to be her laughing at my hardship or my inability to pay. Im not sure if thats what she said but thats what it seemed like as she thought I was on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Colony Brands, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This account is appearing on my credit report along with 2 others that share the same address. I 've never heard of these companies. I 've written to them asking for debt validation and something with my name on it stating I agreed to do business with them. This was over 30 days ago. I sent the same letter to the credit bureau however they have failed to provide me with anything from these companies as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: ERC
State: VA
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:
These accounts have not provided proof and either was removed or re-inserted without notifying me. 

XXXX XXXX was an account that was removed on XX/XX/2017 from XXXX  but both XXXX and XXXX have not removed the account, although the creditor failed to provide proof. 

XXXX XXXX has not provided any proof or account information but is reporting on my credit report. 

Enhanced Recovery was an account that was deleted XX/XX/2017 by XXXX XXXX account but re-inserted without notifying me or proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Hogan Capital II, LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I requested a payoff as I thought the car had been paid in full but due to move maybe the lien release card got lost in mail. payoff came and shows a balance of {$7700.00} which was more than the letter I had received back in XX/XX/XXXX/XX/XX/XXXX which stated balance was {$6900.00}. I had worked with the company before was told that was balance and no interest would be due. not sure I how I went from owing {$6900.00} to now {$7700.00} especially when i had made payments. I could see if I was of {$1000.00} or so but showing I owed more than originally stated in letter is unacceptable. they then called to see if it was going to be paid off as I had thought of refinancing which of course I can do when the balance is wrong. they are now contacting family members

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXL Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXate of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/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 explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a few accounts on my report I do not recognize

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 2020-02-17
Company: AMERICAN EXPRESS COMPANY
State: NV
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've called AMEX to understand why they assessed multiple late charges and then sent the account to collection agency when my card is a corporate AMEX and not my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: National Credit Systems,Inc.
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: Information belongs to someone else

Complaint:
National Credit Systems is reporting into XXXX XXXX and XXXX inaccurate information that was removed from my XXXX report due to Identity Theft in XX/XX/XXXX and XX/XX/XXXX. I was denied housing on Friday, XX/XX/XXXX due to false credits reporting by the aforementioned into XXXX and I promptly contacted National CreditSystems. They advised Accounts XXXX XXXX XXXX XXXX XXXX were marked as Identity theft fraud but were still showing up in rental history databases. I asked for a prompt deletion and removal from all databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: ORG GC GP Buyer, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They called my job and told a co-worker what company they were calling from when she asked who was calling. That is no ones business and they should never contact my job. They keep calling me all day long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Leasing company has tried to ruin my refit by placing a creditor for an amount that was never discussed upon leaving the complex. They show a contract that was not accurate and fees that do not match up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: SLM CORPORATION
State: PR
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: Billing dispute for services

Complaint:
I am the co-signer for a student loan and through the interference of an attorney obtained by student because of the continued harassment calls and email messages from Sallie Mae the attorney was able to obtain an extension through XX/XX/XXXX. Per Sallie Mae Bank, I am still responsible for payments dating back from XX/XX/XXXX hrough XX/XX/XXXX. Although no payments were due from XX/XX/XXXX through XX/XX/XXXX, interest in the amount of {$3000.00} was accrued during that period. 
I was never informed by Sallie Mae Bank that the student 's loan was granted an extension nor received communication from them regarding payments due. 
I became aware of this situation through an email from XXXX XXXX, a service provided by my XXXX credit card, that advised me of the activity and how it impacted my credit score. Through their service I read that Sallie Mae Bank had furnished negative information regarding non-payment of student loan to the 3 credit reporting agencies without informing me first that I was responsible for paying loan and non-payment will result in negatively impacting my credit. 
I contacted XXXX, Account Manager at Sallie Mae on XX/XX/XXXX to inquire about the student 's loan being extended until XX/XX/XXXX, where she could not find documentation regarding the extension and informed me that I was still responsible for monthly payments even though I never received any written communication from Sallie Mae. 
I do not understand how the student gets an extension on her loan but I, as a co-signer am still responsible for payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Associated Credit Services, Inc.
State: GA
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:
Since XX/XX/, I have been receiving calls from Associated Credit Services. The calls are coming from XXXX. I always receive a robocall voice telling me to return their call at XXXX. I wasn't even aware they were a debt collection agency until I called them back. They asked for my name. I told them that I didn't feel comfortable giving that out, and they simply hung up on me. This happened several times until I was able to speak with a supervisor. He confirmed that I did not owe any debt, but said they could not take me off their contact list ( he refused to state why ). Some workers I spoke with told me that I had been taken off the list. Others said I was never on the list to begin with. Yet another employee told me they don't even *have* a list. 

In total, I had to call around 7 times before a XXXX assured me I would not get any more calls. I do not trust this and feel that I will continue receiving calls for a debt I was never even associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1 ) Cancelled service with XXXX XXXX on XX/XX/19 and started new service with XXXX XXXX 2 ) Received bill for entire month of XXXX into XXXX from XXXX 3 ) Called XXXX to explain issue - no resolution 4 ) Received letter from CREDIT CONTROL CORPORATION as a request to collect debt, notified them I did not agree 5 ) Found that the issue was reported to ALL credit agencies by CREDIT CONTROL CORPORATION 6 ) Contacted ALL credit bureaus to dispute issue, only XXXX removed 7   ) Hired attorney to handle issues with CREDIT  CONTROL CORPORATION and XXXX and XXXX 8 ) Received letter from CREDIT CONTROL CORPORATION to pay in full immediately 9 ) Still no resolution as of today 10 ) I believe XXXX and CREDIT CONTROL CORPORATION are contracted with XXXX  and XXXX  and not XXXX  as to why only XXXX has been the only bureau to remove issue since my correspondence of over 6 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of Ideninity Theft. case # XXXX USAA provides me NO ADA ACCESS ON LINE or option of ACCESS. When I try to resolve Ideninity Theft by phone. I am sent to collections. When I ask for documentation of debt I am sent 1 ) MasterCard ending XXXX XX/XX/XXXX I do not recall ever having. Who ever did have data to this card CREDIT CARD DEBT STATUTE OF LIMITATIONS IN FLORIDA IS 4 YEARS This is a 6 year old credt card debt USAA ATTEMPTS TO COLLECT. 2 ) When I call to resolve I am sent to collections for a MasterCard XXXX DEBT DISCHARGED XX/XX/XXXX This debtor is no longer liable after XX/XX/XXXX AND THIS TOO IS PAST FLORDIA CREDITCARD COLLECTION STATUTE OF LIMITATIONS. When I call to resolve I am sent to collections on attatched 3 ) XX/XX/XXXX Collection Attempt on card ending XXXX I HAVE NEVER HAD There is never resolve with USAA and they break all laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: Transfinancial Companies, Inc
State: LA
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:
Upon pulling my credit reports the company Transfinancial had placed two accounts in the amounts of {$940.00} and {$330.00}. Upon asking the company for validation of the account the company responded sending protected medical information. After further review of the information sent although a grave HIPAA violation, I also realized that the social security number does not match mine. The social security number is that of someone else and the accounts have been placed in error. These accounts need to be removed immediately due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Sallie Mae basically refuses to offer any help to me since I have a private loan. My co-signer and I can not afford the {$1100.00} payment/ month. They have told me numerous times to apply for the " rate reduction program ''. Both times, we failed. I received legal advice from my attorney, and he says they 're completely in the wrong. When I told Sallie Mae that I have an attorney, they basically tried to cover their tracks and asked me to apply for this rate reduction program again. After leading me into forbearance for nearly a year, my total loans has gone up {$4500.00} in interest. I 'm out of options.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief