BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in the progress of trying to fix my credit. I Noticed a collection on my account from a Convergent Outsourcing , INC . I never did any business with them and notice they said they were trying to collect a debt from when I had XXXX. To which I closed and paid my final bill. So i know I do not owe them anything. I sent them a certified letter with they account number that they have posted on my credit report asking for Validation of the debt. In accordance with 15 U.S. Code 1692g, I requested verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. I asked that if they do not have this information then to please remove it off my credit report. They have not responded to my letter as of today.

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 2018-07-16
Company: EQUIFAX, INC.
State: WA
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 received a credit card and never used it. Not even once. The card was used by someone else. I did not realize this till I recently reviewed my credit report. XXXX XXXX will not remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I submitted letters to al three Credit Bureas requesting that the initial alert, security alerts, and fraud alerts be removed from my credit report as they are causing me not to get pre-approved for credit products that I have interest in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am single XXXX woman who is a victim of the predatory lending practices that Bank of America and Countrywide were found guilty of in XX/XX/XXXX. I have always questioned the business practices of Countrywide from day one and have filed several complaints with then Attorney General XXXX XXXX as well as the CFCB. But my mistake was I did not provided the necessary documentation to assist in my complaint .Since XX/XX/XXXX I have stated that I felt that Countrywide had inflated my appraisal so the they may close on my pay-option-arm loan. The first appraisal on my home was performed on XX/XX/XXXX and the appraisal value stated {$85000.00}. OnXX/XX/XXXX another appraisal was performed and it states the value of the home at {$110000.00}. ( 3 months later the value increased by {$21000.00} ). Both companies that performed the appraisal were hired by Countrywide d/b/a Americas Wholesale Lender. I was not aware that they were supposedly " mortgage broker '' ( as stated in CW response to my XX/XX/XXXXcompliant ). They displayed themselves as someone who was hired/or sent out by Countrywide to perform an appraisal on my home.I fully believe that when loan was transferred /or sold to Bank Of America that they were aware of the fraudulent and deceptive business practices that Countrywide did and my loan was one of the predatory loans that Countrywide was found guilty of and still are performing today ( see attachment scan XXXX ). In XX/XX/XXXX United States Attorneys Office Central District of California reached a settlement with Countrywide for 200,000 XXXX and XXXX borrowers who were placed in subprime loans and charged higher fees. ( see scan XXXX ) Please review, investigate all documentation if additional information is needed please feel free to reach out to me. Thank you

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: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Home paid off in XXXX of 2020 with a company called Home Point Financial. 
Refinanced with another company due to Home Point Financial raising mortgage payment ( increase off XXXX/month. They had said the taxes were higher than anticipated and if the taxes were paid by me, the payment would not increase. I paid the taxes but they still kept the mortgage XXXX/month higher than what it was, so I refinanced with another company ). 
Home Point Financial will not return owed escrow payment. ( {$2600.00} ) Inquired in XXXX of when payment would be returned. 
Home Point Financial states that they sent a check in XXXX. *never received* ( never had any issue getting their statements here, or any other mail ). 
Asked Home Point Financial to put a stop on old check and send a new check. They agreed and said new check will arrive in 2-3 business days. 
5 business days pass, no check, call Home Point Financial again. They state check was not sent but will now be sent to me by the XXXX of XXXX. 
XX/XX/XXXX, continue without check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX  and XXXX XXXX XXXX Please remove these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10
Company: SYNCHRONY FINANCIAL
State: SD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I ended services with PayPal several years ago. I informed them to terminate my accounts and remove my information. Synchrony bank aquired what used to be their credit arm, BillMeLater. Despite repeated attempts with the company, Synchrony/PayPal Credit continues to hold the account open. I have not used this account since long prior to cancelling PayPal. There is no balance due. I have emailed and called them. On XX/XX/XXXX of 2019 I called and spoke with a representative. She assured me that the account is now closed. I received a follow up Survey request on XX/XX/XXXX and XXXX. Today I received another email reminding me that I have a PayPal Credit account. 
I am very tired of dealing with this. 
I do not wish to call them again, because I promise I will not be nice.

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 2019-10-23
Company: SUNTRUST BANKS, INC.
State: GA
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:
Hello, I just learned from SunTrust customer service that they charge daily interest on overdraft amounts from deposit accounts and make it very difficult -- intentionally obviously -- to pay the amounts back so the usurious fees may continue being charged into perpetuity if all goes to the business plan. There is no way to pay the overdraft amount back without paying the entire balance of the credit card! This is predatory and just a way to generate unfair interest charges by making it very difficult to pay back the debt. I think the disclosure is also inadequate or unclear to consumers. 

See the link here to the FAQ on how to set up a credit card overdraft feature. There is NO DISCLOSURE of the 26.99 % rate or the most important fact that it can not be paid back short of paying off the full balance of the card unrelated to any overdraft balance. 

https : XXXX Can you help to require SunTrust to provide a way to pay ONLY the amount overdrafted and to stop the usury interest charges. I would note the bank will say they " have no way '' to divide the balance for payment, while at the same time they charge much higher interest for the separate balance! 

These fees were most recently charged XX/XX/2019 to my personal credit card with SunTrust. The account is in my name. 

Thank you for your attention to my concern. 

Regards

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 2021-11-03
Company: EQUIFAX, INC.
State: NJ
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:
I have received a hard inquiry on my credit report after applying for a credit card with XXXX XXXX Bank on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
1. Used Synchrony Card to buy Furniture from XXXX XXXX 2.  XXXX XXXX issued {$1200.00} refund on XX/XX/2020 3. Called in customer service to request for check on XX/XX/XXXX 4. Asked to wait for 2-3 week to get refund 5. Called in again on XX/XX/XXXX. They have no idea, no request pending on issuance of refund. 
6. Customer Service hung up during the call on XX/XX/XXXX. 
7. Already called more than 5 times to understand the whole process during the process.

8. Called again talked to supervisor, bank asked 3-4 weeks of lead time again to start the process of refund.

9. They have been holding on to these funds and using it to lend money to other customers on high interest charges.

10. Clearly making profit on pending refund ( on negative balance ) while charging their customer hefty late fees when the payment is
one day late.

11. No laws to protect consumers, A bank can deliberately delay the payment received from a Merchant refund by mentioning technical difficulty while they make more money on borrowed money, while consumers have to pay within fixed time limit. 12 Do not have decency to correct their mistake by expediting the refund process as mentioned by manager. 12. Definitely an indication of financial regulatory violations and
degradation of civic decency in a society we live.

13. Took away productive time away from work which have created a constructive difference to quality of life and society as a whole.

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 2019-02-23
Company: MOHELA
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, XXXX XXXX and XXXX XXXX from MOHELA continue to send " bills '' even after an Identity Theft Report was filed against them. They continue alleging that I owe a debt. They continue with their Illegal Debt Collection Practices Under 15 USC 1692 ( E ) ( 1 ). I am the creditor as per 15 USC 1692 ( A ) ( 4 ).

They have no license to do business in Maryland. They keep harassing me by phone and mail. Who are they to override the above U.S. codes under the Fair Debt Collection Practices Act ( FDCPA )?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a Collection Notice from a different collection company regarding XXXX XXXX XXXX XXXX, account # XXXX in the amount of {$220.00}, reference # XXXX. I disputed the notice and the collection was removed from my account. 

The collection company has transferred the collection account to ERC and now I have a new letter stating I owe them for XXXX XXXX XXXX collection. 

I do not owe anyting ; I have never done business with XXXX XXXX. I wish to have this problem corrected and stop receiving threatening letters from. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report XXXX/XXXX, XXXX, XXXX XXXX   and XXXX XXXX. There are also inquiries on my report that I know nothing about. Please remove these inquiries as well. I have contacted the FTC and my local police. Im also doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Attempted to dispute my debt to all three credit bureaus. I received no debt validations of response. I've sent certified letters on dates XX/XX/2021 and XX/XX/2021. I also filed a non compliant notice certified on XX/XX/2021. i did not receive certified response from any bureau.

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 2023-02-11
Company: Experian Information Solutions Inc.
State: OH
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:
In order for there to be truth in lending reports should be accurate

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 2019-03-05
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: Information belongs to someone else

Complaint:
I do NOT have any requisite OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX - Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.

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 2022-03-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX and Expieran are refusing to remove fraudulent information from my credit report. I have submitted all proper documentation under the law - and yet they refuse to remove the info.

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 2019-08-10
Company: Experian Information Solutions Inc.
State: MO
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:
The following account is not mines please remove and block, the account should not be reporting on my file. Please investigate and remove. I'm also demanding the Method of Verification used in this instant matter. Please remove this account. 

1 ) XXXX 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 2020-05-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid XXXX by check and advised them i would not use my USAA Visa credit card. I gave them a check for {$720.00} dollars .I then called XXXX XXXX ( XXXX ) XXXX XXXX EMAIL XXXX because they charged my credit card and i never gave them my card. If you XXXX complaints about XXXX you will find many complaints about them. I am XXXX and not demented at all. XXXX said you did give me your credit card. I then emailed him all of the complaints about XXXX. 
I have a USAA Visa credit card and i wrote a detailed complaint. USAA 's computer bounced it back at me stating " it is too lengthy. I then received a letter saying that my dispute was denied because i did not give them enough information. I then wrote a letter to the CEO Mr. XXXX he had XXXX XXXX ( XXXX XXXX XXXX ) Customer Advocate EXT.XXXX. You must say " extension '' after the options end. 
call me. She argued the The Fair Credit Lending Act did not apply to this case. I then discussed this with my banker and she said that usually THE MAX one should be paid per The Law and usually it was nothing. 
I called back XXXX and she said " they do not think your case is valid '' .The " they '' remained confidential. She stated i owed USAA Visa {$380.00}. I see both XXXX ( i reported them to Florida State Attorney general ) and XXXX as scamming a senior citizen. In Florida that is a 3rd degree felony punishable by a {$10000.00} fine and up to 5 years in jail. I am reporting USAA Visa because when i XXXX USAA complaints i found a flood of complaints. I have been a USAA card holder for many years. I am a retired XXXX  XXXX XXXX XXXX XXXX with decades of service. I ask for you help with this problem because if i do not pay the {$380.00} they will damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I made several attempts to dispute with XXXX a credit card balance. This was rejected by the system. The issue, a settlement was reached on the card and paid, 45 days later this has NOT been adjusted in their database and the company did not as promised send a letter noting a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: AES/PHEAA
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I applied for student loan forgiveness since I have more than 120 qualifying payments, on XX/XX/2021 under the Public Student Loan Forgiveness and the Temporary Expanded Public Loan Forgiveness Programs, and only received notice that I was not approved based on the PSLF program. I know that I meet eligibility under the TEPSLF program, but Fedloan Servicing has not provided any feedback regarding my application nor have they forgiven my loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2019-03-05
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This letter is to notify you that I no longer am disputing the account number above. 
Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company upon receipt of this letter.

Company response to consumer: Closed with explanation