BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a charged off balance on a Paypal credit card through Synchrony bank. I called them on approx. XX/XX/XXXX to inquire about settling the balance. They offered a settlement of {$350.00} ( half of the balance ) which I accepted. I asked them to send the offer in writing so that I would have a record. They sent me the offer letter, which reads in part " Please remit this payment 30 days from the date of this letter. If we fail to receive the above payment by indicated date, the amount will not be settled pursuant to this arrangement ''. The date of this letter as noted in the upper right corner is XX/XX/XXXX. I called Synchrony today XX/XX/XXXX to pay per this letter and have been told that the offer was voided/cancelled due to non-payment as of the XXXX of this month. None of the agents that I spoke to have access to the letter which shows the date of XX/XX/XXXX and are refusing to honor their own written agreement. I have asked for a return call from a supervisor 2x today and have not gotten a call. I am asking for Synchrony to honor their written agreement so that I can settle this once and for all. Dealing with Synchrony has been a nightmare, they do not follow through with anything they say and fail to honor their own contracts. All I want is to have this settled.

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 2021-11-29
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX mortgage payment was not processed properly. I always send XXXX money orders in the same envelope by express mail. I sent XXXX money orders, {$500.00}, which they showed they received and {$680.00} to pay {$1100.00} XX/XX/XXXX2021 payment. The {$680.00} which they did not process, which was inside of the envelope. 

Mr. Cooper did process the {$500.00} but not the {$680.00}. I made my XXXX call on XXXX/XXXX/21 for them to investigate, I never received a call back. On XXXX/XXXX/21 when I called to inquire, I was told that everything was corrected and was showing that the account was up to date. On XXXX/XXXX/21 when I called to check for the XX/XX/XXXX2021 payment was processed correctly. Again I was told everything was done abd processed. When I asked if the fee that they charged for XXXX payment was reversed and credit information was corrected I was told no. At that point I asked to speak to a manager. Put on hold, waited for an hour and nobody ever came back on phone. I waited to get my next statement which arrived on XXXX/XXXX/21 to make my XXXX 1,2021 payment. On the statement it is showing that I am due for 2 months. 

XXXX/XXXX/21 called Mr. Cooper and they now say that the payment has been reversed back out and I need to send them documents. I said they should be able to pull documents from when they received this express package and documents in envelope. I asked to speak to a Manager and they would not transfer me to a manager or escalate to higher up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection company must have bought an old debt with my information but the debt wasn't mine I had to get an attorney because XXXX  even though I disputed it over and over. I've sent all the legal documents to XXXX and they are still not removing a collection that has damaged my credit for over a year now some of the other bureaus have finally removed it because of the legal docs that I've provided but XXXX is still not please remove Midland credit management it is not a collection I owe and you need to remove now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have a account with Equifax clearly they no that my name is XXXX XXXX But they constantly change it back to XXXX XXXX that is incorrect never have i used or used that name or alias. The also have blocked me from disputing this. Incorrect reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was a lien/freeze put on my checking account by the XXXX District Attorneys office. They called Chase legal department about 10-14 days to have the lien released. This past Monday I called Chase legal dept and was told the issue would be expedited and lien would be released within 24-48 hours. Today is Friday and the lien is still on the account - I spoke with the XXXX DA office and they spoke with chase legal dept about 2 hours and were told that they are working on it. 
My funds are being held illegally at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Global Equity Finance, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have received numerous solicitation calls for refinancing after asking to be placed on the do not call list. on XX/XX/19 an associate from Global Equity Finance ( XXXX ) reassured me that he can lower my monthly mortgage payment and that all he needed to do is ask me several questions. I answered his questions then he said I will run the numbers and call back. Within minutes I received a notification that my credit file was accessed although I did not give consent for this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CCS Financial Services, 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:
Reviewed a copy of my credit report and seen accounts that are fraudulent and does not belong to me. The accounts need to be deleted from my credit report immediately. This is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Sequium Asset Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sequim Asset Solutions LLC reference # XXXX creditor account # XXXX they are sending me an account that is not mine and has been settled by a company such as XXXX after switching so I am assuming this is fraud As I do not owe XXXX XXXX XXXX any money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Continental Finance Company, LLC
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
i have made all payments never and issues and they closed my account for no reason even they varify all payments

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 2019-11-09
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 distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature

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 2020-12-14
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX in XX/XX/XXXX. I added a XXXX $ gap insurance policy from XXXX with 72 month financing with TD Bank. When I tried to get a refund for the policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX, told me that they sent a check to XXXX XXXX XXXX for the refund. 

I contacted XXXX XXXX XXXX several times about a refund before being given an answer. Today I talked with XXXX XXXX at XXXX XXXX XXXX and she said " I think I sent the check to you in the mail, let me check '' then came back and said " TD auto finance should issue you a refund, they charge us for gap insurance ''. 

So I called T.D. auto finance and talked with someone who explained that the gap insurance is part of the payoff amount. I have not been shown any record of the gap insurance being credited to my account and the amount financed at XXXX XXXX XXXX included the gap insurance as part of the amount finance. 

Further, I traded in my XXXX XXXX XXXX for a XXXX XXXX XXXX and also financed with T.D. Auto. I purchased a XXXX $ gap insurance policy for the XXXX XXXX and financed XXXX XXXX I've made one payment of XXXX XXXX On my online T.D auto account the payoff quote I'm given for the XXXX XXXX is XXXX XXXX This obviously does not include a XXXX $ gap insurance credit like they are claiming my XXXX XXXX account did. 

What I've gathered from talking to these three companies is that I paid XXXX XXXX XXXX XXXX $ for gap insurance that is refundable but that refund goes directly to XXXX XXXX XXXX. My account was supposedly credited XXXX $ for the unused policy in my payoff quote, but there is not a tangible record of that happening and seemingly the only entity receiving a refund for the gap insurance is XXXX XXXX XXXX. Had I known that the gap insurance policy wasn't actually refundable to me I would not have purchased it in the first place on either of these vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received letters from this company about my debt. I called and tried to settle. After they denied my settlement requests I paid in full. My credit report continues to have this reported and I continue to receive phone calls from this company requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
Was charged on XX/XX/XXXX for an item I never ordered, initiated, or authorized in anyway for {$680.00} for visa card with Bank of America # ( XXXX XXXX XXXX XXXX ). The item ( phone in a 1lb. USPS envelope which allegedly was to arrive XX/XX/XXXX @ XXXX XXXX ) I was home that day never seen or accepted any package of sort. I called the Credit Card Company ( Bank of America Fraud Claim Dept. ) and received a letter XX/XX/XXXX saying " ... we consider your dispute resolved and no additional action on your part is required at this time ''. On XX/XX/XXXX I received another letter from BOA Fraud Claims Dept. stating that my address was verified and therefor I am responsible for the amount. Since, I made a police report ( # XXXX ) XXXX PD officer # XXXX, a postal inspector investigation case # XXXX and XXXX XXXX Identity/ Fraud Protection Security Freeze , Alert Investigation # XXXX. I have given all this information to Bank of America Fraud Dept. numerous times via fax, verbal contact, etc. but they are still giving me statement due amount ( s ) including the {$680.00} charge.

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 2021-10-04
Company: CREDIT ACCEPTANCE CORPORATION
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 status incorrect

Complaint:
It's really simple. My car is still showing as late on my credit report when in fact it's completely paid off now. Credit acceptance hasn't updated the report since last XXXX I believe. The report should say paid in full. They already sent me the title and the letter showing paid off in full.

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 2021-02-25
Company: Experian Information Solutions Inc.
State: PA
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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed 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 2018-04-20
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 status incorrect

Complaint:
Well known how XXXX  and clumsy equifax is!!!  Now these derelicts are fraudulently reporting garbage that is criminally negligent and malignant!!!  I have NO new accounts anywhere!! Nobody has the authority to self-create there own sloppy collections at my expense!!!  ALL this negative garbage already in my credit reports. This is tortuous stupidity trying to scam my credit report with duplicated garbage!!!  PLUS, equifaxs criminal incompetence has not cleaned up there blundering XXXX. I don't care how many generic collections agencies anyone hires to harass me. They are not allowed to fraudulently sefl-create a new idiotic account duplicates what is already existing. I told you people twice now, these clowns at XXXX and now defunct equifax have malignantly created a new phony collections ( same) debt already reported 3 years ago.  These vile derelicts at XXXX XXXX  have NOT contacted me, instead lied cheated and manipulated an old debt. Imbeciles at these mis-managed credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: GA
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 is reporting information incorrectly. The account was settled in XXXX but the rep didnt apply it to the right account so it looked like O had a credit on one and debt on the other. I also settled many accounts after my bankruptcy and asked that they be removed. Yet EXPERIAN is keeping them on there as PAID BUT SOLD TO A OUTSIDE AGENCY. Or WAS WRITTEN OFF BUT NOW PAID. Like XXXX XXXX, XXXX, XXXX, These accounts were settled but EXPERIAN IS NOT REMOVING THEM. XXXX XXXX which I proved is reporting inaccuracies. I paid the SECURED DEP but they never applied it. So THATS why the account wasnt open. Please Help

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 2020-09-18
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX I dont know what more information you need I mean you do have the report in front of you correct? In the comment section the consumer dispute meets FCRA requirements is missing. Experian refer to FCRA 623A ) b this information is required 30 days of a completed investigation. You know you this and I do too. Not sure why you are playing and FDCPA 806 explains it as well Explain to me whats your take of those statues

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 2021-02-25
Company: DISCOVER BANK
State: CA
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:
To whom it may concern, I am submitting this complaint to Consumer Financial Bureau because Discover failed to acknowledge and abide the federal law 15 US Code 1692c. ( c ) ( 2 ) Cease and Desist communications. 
I sent this letter by certified mail on XX/XX/XXXX. Please refer to the exhibit 1a. On XX/XX/XXXX a letter was typed by me indicating to Discover that they had not stopped communication with me as originally requested and they were in violation of federal law 15 US Code 1692. On XX/XX/XXXX I drafted an affidavit of truth outlining the various violations and that of the federal law of 1692 and sent a letter and affidavit of truth on XX/XX/XXXX via priority mail see exhibit 1b. I am enclosing copies of over 13 violations or 16 in total of 15 USC 1692. Discover is in complete control of their internal XXXX department and it makes no sense, rhyme or reason why they could not obey Federal Law and cease communications as requested. So, I am requesting that Consumer Financial Bureau Protection agency enforce the laws and my consumer rights for these violations that have occurred. See exhibits A-U.

Aslo, there is a violation of 1605a Finance Charge : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

In 15 US Code 1605 ( a ) ( 1 ) Finance charge : Congress does not state that a late fee is part of finance. Actually the sum of all fees directly and indirectly have already been included in any consumer credit transaction so lates are not included in the law passed by Congress on behalf of consumers. 



Thank you in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a secured card through capital one that I have been using for about 2 years now. I set up my account on auto pay and have made all payments in a timely manner to this account. In XXXX XXXX I made a large payment of over 400 dollars to pay my account in full. Payment cleared and I thought everything was taken care of. Fast forward to now. I get an alert on my phone that info changed on my credit report and that this account was late. I went to the app immediately and see a charge 48 and change. I look through the account summary and see that the month prior to paying my account in full my payment was returned and I was charged a late fee of XXXX and an interest charge of XXXX AFTER my account had I thought been paid in full. As of the XXXX of this month because I did n't pay the late fee I was charged an additional late fee on top of the late fee as well as additional interest on top of interest. How predatory can you get!! I called in on XXXX XXXX and waited on hold for over an hour to be told by a representative that they will only waive one fee. I asked for a manager who I sit on hold for even lomger for him to say that he wo n't waive anything further and there is no one over him to talk to except to write into the corporate address. This is absolutely unfair practices. I understand my payment had been returned which I was unaware of but to charge late fees on top of latest fees and interest on top of other fees is ridiculous. So had my payment been in full minus that late fee, they still would have charged me interest and this is 100 % unfair way of doing business.

Company response to consumer: Closed with explanation