BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My creditor is charging me a " late fee '' when I made payment arrangements with one of their online agents. From the chat I asked the agent to process the payment : " XXXXXXXX XXXX : XXXX XXXX : You just need to make the payment chat or call us for the allocation process and we will be glad to do that for you. XXXX XXXX : CustomerXXXX : I need that " allocation process '' now. XXXX XXXX : XXXX XXXX : Sure, let me help you with that. '' She did not make that payment for me, so now, they are you charging me late fees in the amount of {$27.00}. 

Additionally, the Synchrony account website pages are extremely confusing to navigate with minimal information to help consumers understand their account staus '. They tether you to " agents '' that don't seem to do what they say they will, or otherwise make confusing statements in the chats.

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 2021-02-09
Company: EQUIFAX, INC.
State: MA
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:
Student loan accounts for a XXXXyears old? Didn't i told you i never been to college in USA?

Im really dismayed, shocked, emotionally and financially stressed because Ive disputed these accounts above and below with all the 3 major credit bureaus, cfpb and ftc compliance team, but it continues to report on my credit profile with incomplete, inaccurate, and unverifiable information and with multiple inaccuracies. There is no way that this account can truthfully be investigated due to those violations of reporting, plus Ive submitted FTC affidavit proving that I have never had any prior relationship with none of those companies. As you can see on the attachment, they have wrong Date-of-Birth, wrong Driver License ; wrong email, etc. Ive asked them directly to legally validate the debts, with all the required documents, and theyve failed to do so. ITS NOT IN COMPLIANT WITH THE CONSUMER LAWS AND ITS NOT MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I the consumer/ natural person and original creditor sent affidavit of truth along with exhibits addressing the issue with my report on XXXX/XXXX/2020 with invoice violations of 15 USC 1681b ( a ) ( 2 ). As of XX/XX/2020 I have not received any mail with my report about the issues the bureaus did not get my written instructions to furnish the information I listed as exhibits.

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 2020-11-16
Company: Persolve, LLC - Legal - Series 2
State: FL
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:
Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been overcharged. They have added money to keep my balance from coming down. I asked for paperwork showing my history and I never got it. They have made up late charges to keep my balance high.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: CL Holdings LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Is fraudulently submitted a collection for XXXX on my credit report which is impacting my credit. 

I have no knowledge of this, it just showed up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: FIRST NATIONAL BANK OF OMAHA
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and FNB Omaha. The Account Opened is FNB Omaha Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$18000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-09
Company: Phoenix Financial Services LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
An account with Phoenix Financial Services showed up on my credit report for an account with XXXX XXXX XXXX XXXX. I sent a letter via certified mail to Phoenix Financial Services, which the company received XX/XX/2020. The tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between the collection company and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect in my state. I have received nothing from them. This account is still reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
I contacted AMEX credit bureau dispute regarding the reporting of my personal loan. They are reporting the account as a charge off although I am paying and always have been paying. On XX/XX/XXXX I entered into an agreement with AMEX to repay the loan on modified terms. They assured me that my credit would not suffer as a result. I was affected by the COVID pandemic. I pulled my XXXX credit reports and noticed that AMEX is reporting this account as a charge off. Yesterday, XX/XX/XXXX I contacted the credit dispute department of AMEX and I was told that since we agreed to a modification of the terms due to COVID that the account is being reported as a charge off. I have never in my life heard of such a thing. I was always making payments on the account but I was also told that when less than the minimum amount is paid, they are going to report as a charge off. My understanding and the law reflects that charge offs are when a business has been unable to collect a debt and subsequently writes it off as a loss. My account is still inside AMEX within their in house collection department. I never stopped paying on the account despite being affected by COVID. I have contacted an attorney and I am told we have a case but if I pay an attorney I will not pay AMEX. My credit score went from XXXX to XXXX. I need this account to be reported as a declared disaster due to the pandemic and making payments as required. This is NOT a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
equifax has stopped me getting access to my freeze/unfreeze account. Apparently this is a very common problem with equifax. The other credit agencies do not have this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: AXOS FINANCIAL, INC.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint is about Axos Invest ( previously XXXX ) which is a robo-trader / savings account that invests my money into primarily domestic stocks. I have been unable to withdraw money from my account since before XX/XX/XXXX. 

On XX/XX/XXXX, I decided to call customer support as I was unable to withdraw money with the mobile app. I got a response from " XXXX '' saying that they were having an " IT issue '' that would hopefully be resolved that day. Since then, I have had multiple email correspondence with Axos Invest where the only answer I receive is that they are having " IT issues '' and are unable to do anything for me. 

From my position, I have been unable to access my account for nearly 2 weeks. This has caused me financial loss, as I am still unable to access the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX financed my vehicle in XXXX for 72 months for {$26000.00}, in XXXX I still owe {$21000.00}. I requested copies of my loan documents for this vehicle from the Dealer because XXXX told me to contact dealer for my documents. Dealer told me they cant lay hands on my documents. 
I have paid this note since XXXX but I still owe {$21000.00}. 
I believe there is something wrong with my fiancing but XXXX is in no way able to assist me with this. I on time with my payments but I feel I have paid too much and Im being ripped off. 
I recently tried to trade this vehicle in but no one will take this vehicle because the current value is {$5000.00} to {$6000.00} Ive been having problems with this vehicle and have reported it several times to the XXXX but all avenues have failed. The particular model has been discontinued due to problems they have had with this vehicle model (  XXXX ) I want XXXX XXXXXXXX to give me all my loan documents and explain to me why my balance is still {$21000.00}. Even if I missed 1 year of payment, shouldnt I be left with a couple of years to pay off. 
One Car dealership drew my attention to this and i need to get to the bottom of it. 
The vehicle is a lemon vehicle, it has given me problems since we bought it. There is a recurring problem XXXX dealers can not fix. They have deliberately sent me to the dealership over 10 time assuming to get it fixed and each time it comes back same. some of these dealership visits have taken over 3 months to get engineers take a look at the vehicle. we have had too much to deal with

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Weinberg Mediation Group LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am undergoing XXXX XXXX. I told the lady. She demands answers while I have a needle stuck in me. I have XXXX XXXX. I have called to mediate but now I need the harassment to stop now. My life doesnt need to take abuse

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I invested in XXXX and XXXX  through Coinbase on XX/XX/XXXX in the amount of {$5000.00}. 
Apparently my account was hacked on XX/XX/XXXX. 

I have tried many times over last few years to contact Coinbase support but it is impossible to talk to anyone and their online support asks for information with an email that can not be replied to and they auto-close the ticket after a few days. 

This company is a complete scam/fraud with no customer support available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, SYNCB/AMAZON add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX DC add a hard inquiry on my credit report per XXXX. 

But company did not provide the following proof : Permissible Purpose. 
My written authorization. 
Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2018-02-20
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I used my XXXX XXXX XXXX XX/XX/XXXX for an online purchase, and believed I had updated my address at that time. I forgot I made this purchase with this card ( I rarely use it ) and never received a bill. I got a collection call at my primary phone number on XX/XX/XXXX. I was informed they don't abide by mail forward so my statements were returned to them with no attempt to communicate with me, despite them having a valid cell number. I was told on XX/XX/XXXX I would receive a bill in the mail at the correct address. I never did, and when I called back to inquire in XX/XX/XXXX, I was told I have a valid complaint and to fax a letter disputing the interest fees and late charges. I did so. I never received a statement and called to pay the XXXX due on both XX/XX/XXXX and XX/XX/XXXX and was told they couldn't accept payment because the account was in dispute status. I was told I would receive a statement. Never received anything, no statement, no response to my fax letter of dispute. Called XX/XX/XXXX and the balance now has additional late fees and interest charges. My status is " account revoked ''. I want the fees and interest removed - this was XXXX XXXX fault for not forwarding mail, and I want my credit restored and XXXX XXXX to acknowledge their numerous errors..

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 2020-05-24
Company: EQUIFAX, INC.
State: NE
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:
They are reporting a collection account on my credit in the amount of {$41.00} with XXXX XXXX. I have disputed this debt several times with the credit bureau. However, they are still reporting this inaccurate information The other credit bureaus have updated my report and are no longer reporting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I can't believe this. I never thought I could be a victim of identity theft. I try my absolute best to keep my information safe and I am mind blown. These accounts have negatively impacted my score and I am trying to purchase a home for myself and my family. I consulted with a lawyer and he stated that according to the Fair credit reporting act section 605b, these accounts must be removed within 4 business days because they are fraudulent. Please help me with this, I am so scared that my information was compromised.

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 2020-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on my credit report 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a personal loan with XXXX/One Main in 2008. I was not informed by the company that a " refinance '' started the entire loan amount from the beginning of the loan. I have requested complete pay history from the company. I have paid a considerable amount of money on this loan and deem it paid in full due to the company 's misleading their terms of contract, pressure to refinance, and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: SYNCHRONY FINANCIAL
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a notice from Synchrony Bank XXXX XXXX, Florida XXXX XXXX XXXX XXXX. The letter to my address indicated that a person by the name of XXXX XXXX was using my address to apply for a PayPal  Credit Account. No one by that name has ever lived at my address. It has only had two owners, myself, and the person we bought it from. I suspect that someone is attempting to use my address and other details to fraudulently obtain credit accounts. I reported the incident to the United States Postal Inspector, local XXXX, and Credit monitoring agencies.

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 2021-02-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am a victim of the XXXX data breach that occurred with Equifax. My mother is as well. I believe that this is the reason why we both had fraudulent unemployment claims filed in Ohio in XXXX. There has also been a credit inquiry on my mom from the unemployment agency for Colorado. 
The reason for this complaint is that I am stunned that there is almost no accountability for Equifax. A class action lawsuit where you might get {$120.00} if youre lucky and a few years of free monitoring. As a financial services professional, I have seen how difficult it is to lift freezes and alerts from your credit after one is placed, making applications for services close to impossible for the consumer. Because of this, I now pay significantly more than {$120.00} every year for XXXX to avoid the hassle. I am furious that Equifax is off the hook with their settlement and offering of free monitoring for a few years. I now have a lifetime ahead of paying a lot of money for monitoring by a third party. My social security number never changes, so why is there an expiration on how long they have to help us out of their mess? 
I dont understand why this is ok with anyone and more isnt being done to help the victims. On top of that, Equifax does not have a customer service area to lodge complaints with. Why is that acceptable? I was helping my mom obtain her three in one reports and Equifaxs questions didnt line up with any of my moms recent activity. They are forcing us to request it in writing now and to show proof shes her. For all we know, all of their credit questions could be tied to fraudulent activity thats occurred thanks to this breach. We had no issues with obtaining the reports from XXXX  or XXXX.

Company response to consumer: Closed with explanation