BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-29
Company: SYNCHRONY FINANCIAL
State: TX
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:
On XX/XX/2020, I received a letter of false and misleading information. The letter stating : Activity on accounts with Synchrony bank indicative of high risk of failure to pay. Synchrony bank has decided to close your account. '' I called Synchrony bank at XXXX the first rep was a female which did a COLD transfer to the Fraud department. A man for the Fraud department gets on the phone " You can hear his children screaming and yelling in the background. '' " A female in the background yelling, " ****x***. '' I was then cold transferred to another guy that was RUDE telling and put me on HOLD for more than 10 minutes while, he finishes his breakfast and cleaning up. ( ( ( ( ( I don't have bad credit or no indication of bad credit.. SYNCHRONY IS LYING AND Their system does not allow me to pay my credit card over the phone only in the store. Now, since, Synchrony has lye and closed my account under false pretenses and their agents are totally RUDE ... The supervisor refused to get on the phone and I request for the agent to file

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 2018-04-06
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I set up automatic payments in XXXX/XX/XX/XXXX ( after having a perfect payment history with this vehicle AND an XXXX XXXX ), because I was getting married, moving, and became a XXXX ( which I spend 60+ hrs/wk ). It was vital that I had automatic payments set up because I knew I would not have the time to do much else other than work and sleep for ~2 years as I earned my time at work as a XXXX . I thought everything was fine until my wife had me check my credit report last month as we are ( were ) looking to purchase a house.

Specifically, I called Hyundai in XXXX/XX/XX/XXXXand spoke with a man by the name of XXXX. He confirmed I had automatic payments set up and that it might take a payment cycle or so for it to get up and running. So I paid over the phone with him there and didn't look back. My job and life are overbearingly busy ( much like anyone who reads this probably experiences too ), and I frankly never checked in with anything or anyone.

To my surprise, Hyundai has been reporting my payments late in excess of 120+ days ... which I immediately paid upon learning. I called them and explained, but they did not care and they actually hung up on me. I was respectable and calm on the phone, why would they do that to me unless its such a hot potato they don't want to touch it. And this is why I am filing this with you, they have ruined my credit because of a failure on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date opened : XX/XX/XXXX Status : Charge-off XX/XX/XXXXhas not responded to my mail in dispute in almost 90 days. 

I submitted 2 separate disputes by mail to XX/XX/XXXX in 2 different months on XX/XX/XXXX & XX/XX/XXXX. I have proof of signed signatures of the recipient of my certified mail at XX/XX/XXXX for each month that I sent in a dispute. XX/XX/XXXX clerk continues to say that they have not received my mail. It has been almost 90 days since a response from XX/XX/XXXX 
They usually have 30 days to respond and they haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I asked the credit bureaus to supply me with original documentation that they verified the bankruptcies listed on my credit report because i contacted the court in which it shows filed and they said they didnt report this inaccurate information to the bureaus or any 3rd party data furnishers

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 2020-01-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
This is the fifth request for my credit report. One of their associates said it was complete and the sent another letter asking for more information. I sent them a drivers license and a social security. Now they want a birth certificate. I was not born here and I am retired. What else so the want a XXXX XXXX XXXX XXXX so they know I am annoyed. And you are not helping me. I will send a letter to my attorney and one to you so they know I am what is coming next annoyed. 

They previously sent me a copy of my report how is it they do not have. I will also send a copy of my first page of the report. Why can't you do something about this. 

THIS IS MY FIFTH ATTEMPT WITHOUT RESULTS.

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 2020-01-22
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The company New Century Financial Services have been calling myself multiple times daily for the past 6+ months. As well as having lawyers contact me on their behalf. They have also called family members phone numbers and contacted former addresses. Recently, they have threatened to take me to court. They have also sent a letter saying they put in an application for wage execution. I have been receiving false letters with a false docket number. Some letters going back to 2010, which is proof this is past the statue of limitations in the state of NJ. The people who call also are rude, hang up on me if I ask questions, and have been harassing me constantly. No matter how many numbers I block they continue to call, sometimes until 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 2021-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am filing this complaint because Capital One and the 3 major credit bureaus has ignored my request stop reporting the negative account that was closed due to fraudulent activity following the theft of my wallet. I reported the theft to Capital one and made every effort to fix the issue to stop any negative reporting on my behalf. I have provided them with my police report and identity theft affidavit supporting this. Capital One claimed to have completed a transactional fraud investigation on XX/XX/21 and failed to provide me with the results or a resolution. 

My rights under the FCRA have been violated. I have also disputed this account on numerous occasions because of the inaccuracies reporting across all the different credit bureaus. Payment dates, open dates, and close dates are not consistent. This inaccurate reporting alone has continued to negatively impact my credit worthiness. 

Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Shellpoint Partners, LLC
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:
-XX/XX/2019 New Rez financiaXXXX reported {$1600.00} past due as of XX/XX/2019 to all 3 credit bureaus -Called New Rez on XX/XX/2019 to fix this problem because my account is up to date with payments. 
-NewRez told me that there bankruptcy department can only speak to me. 
-Called on XX/XX/XXXX several times NewRez and was not able to get anyone to help me. 
-Mortgage account is in a open bankruptcy

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Walmart capital one credit card .I received a statement from them, i owned them for the month of XXXX almost $ XXXXThe due date was the XXXX of XXXX. My bank issued a payment on the XXXX of XXXX. On the XXXX of XXXX, I received a notice, that i was late for the payment. I called Capital one customer service, to find out wgy my payment was late. They informed me, tat there was {$28.00} late fee charged to me. Ion my statement, it shows, they received the payment on the XXXX, ( 8 days after i sent it ) the agent said this was a mistake an they would reverse the charges. I firmly believe this company is using fraudulent methods to charge, the unknowing consumer, extra charges to line, their pockets.On the late notice, they told me, I could avoid this issue, by allowing them, to automatically deduct their bill, from my bank account. I would like for your bureau to investigate this company for this fraudulent process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt collector ( XXXX XXXX XXXX ) called and I did not verify debt or any information with them. Customer service rep stated this is your bill not mines. I have disputed a bill through them written and sent through that I had with XXXX and informed them in the letter that I would be paying XXXX directly. They have placed unauthorized charges on my credit report although the debt is owed to XXXX and NOT their agency. This has had a negative affect on my credit report and the call times have interrupted my job and time with family with the constant harassing phone calls for a debt that I do not have through their 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 2021-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was unaware Kohls closed my account I asked If they can reopen it so that I can use it they said I would have to apply again my kohls card was one of my oldest revolving accounts and applying again would not be helpful to building my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They consistently trying to call my place of work several times day. I can not except external calls on my phone especially from a bill collector. I have informed my boss about the calls since she sees my phone reports. This is embarrassing to me and the calls need to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: CCS Financial Services, 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:
ATTEMPTED TO RESOLVE REPORTING PROBLEM WITH ALL THREE COMPANIES : XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX. THERE ARE ISSUES REGARDING OPEN DATES, DATE LAST REPORTED AND WHEN ACCOUNT CLOSED.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: AES/PHEAA
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:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 am requesting a Refund of the Past Due Fee on XX/XX/XXXX in the amount of XXXX and the pass due fee of XXXX on on XX/XX/XXXX. Since the Switch over from XXXX  to Capital One I have not recieved my bills and the App malfunctions and does not tell the Minum Due on the Home Page

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-13
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: Old information reappears or never goes away

Complaint:
Equifax is illegally deleting then reinserting fraudulent debt! They reinserted XXXX XXXX XXXX inquiry, they are also listing XXXX XXXX XXXX amount is incorrect, and the delinquencies need to be removed, also XXXX XXXXl all delinquencies and remarks were remove equifax added back all of the account and delinquent remarks without notifying me by mail within 5 days prior to the reinsertion! Equifax has violated the FCRA federal law! I submitted my ID theft affidavit listed the fraudulently accounts and equifax deleted them, but now have reinserted the accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: AL
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 just pulled a copy of my credit report and noticed several fraudulent accounts on my reports.I have reached out to the bureaus several times to no avail.

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 2020-07-04
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, 4, 30 day lates appear against my credit report, with XXXX, XXXX  and XXXX  which is inaccurate. All payments are due within the same month to prevent 30 day lates from appearing. 

Once payments are made, proof of payment email is provided. All showing payments made within same month, and not 30 days late. 

Their decision to report is very inconsistent. And unfair to consumers. 

Payments for XX/XX/XXXX was made in XXXX. XXXX payment was made in XXXX. The same for XXXX and XX/XX/XXXX. I have attempted to resolve with the organization however continue to receive the runaround. One person said email my concerns. I did, another said fax. Another said no, you have to mail. Ive done all 3 now and have had no resolve. I have offered to share proof of payments Ive received from their automated system after a payment is made to show its within the 30 days/same month. 

For example XX/XX/XXXX payment was made XX/XX/XXXX. How is this a 30 day late? 

This is heavily affecting my credit and preventing me from purchasing a new home. I ask that they review what I have received from them showing my payments are made within the same month. When you pay your mortgage the next month that is when the 30 day is charged against you. That is not the case in my situation.

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 2020-08-29
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
In XXXX, I was laid off my job. I immediately contacted XXXX regarding my Platinum card. They advised that they would help me establish a payment plan and the card use would be placed on hold. Until this juncture, I had been a current customer for almost 5 years. A positive and lengthy history. 

The arrangement was to pay monthly and all past due balances needed to be paid in full by XX/XX/XXXX. I satisfied this payment arrangement and XXXX waived the XXXX annual fee but restricted access to credit to a {$1000.00} dollar limit on this card. This is a high annual fee card, {$490.00} a year. I asked when the {$1000.00} dollar limit restrictions would be lifted. I was advised I needed to provide another year of history. 

A year later, XX/XX/XXXX, I had to pay the {$500.00} annual fee but XXXX still has not removed the {$1000.00} limit restriction. They also will not provide an estimate of when they will remove any internal credit limit restrictions. Additionally, for the year of XXXX, they incorrectly reported to the credit bureaus that I was under a payment arrangement. The payment arrangement was satisfied over a year ago. I had 1-30 day past due over a 5 year history and this is being considered a negative on my credit reporting due to how XXXX is improperly reporting my credit history.

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 2019-03-15
Company: Exeter Finance Corp.
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:
I am trying to close on a home, and I checked my personal credit report on XX/XX/ 2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I opened the checking account with SUN TRUST bank in XXXX Ga. and Deposted my social security check {$1200.00} on XXXX. On XXXX, SUN TRUST decided that they did not want to do business with me. But as of XX/XX/2019 they have not returned my funds. I/my sister have called and spoke with employees, supervisers, manager and they all respond in casual manner as if, its ok for them to hold my funds for 2 MONTHS!! and not return them. they stated that the fraud deptmt is holding my funds.

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 2021-03-28
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, CA XXXX Date : XXXX Amount : {$540.00} Account : No XXXX I never signed for anything and they did not check for any ID. I want this Debt off or I will make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I asked the credit bureaus to supply me with original documentation that they verified the bankruptcies listed on my credit report because i contacted the court in which it shows filed and they said they didnt report this inaccurate information to the bureaus or any 3rd party data  furnishers

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 2018-02-07
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account for National Credit on my credit report and don't remember ever having an account with this company or the company it was sold from, XXXX XXXX. 

I want I want National Credit to to mail me my original contract that I signed, proving this account actually belongs to me. 

They need to produce me a copy or remove the lates from my credit report and stop all collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: HSBC NORTH AMERICA HOLDINGS 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:
previously and on X/X/2017 XXXX XXXX XXXX XXXX called my work place XXXX XXXX XXXX making threats to my boss and giving personal info. this action almost got me fired. the claims are unfounded, there trying to collect on a debt over 9 years old and statue of m limitataions has already ran its course.

Company response to consumer: Closed with explanation