BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-09
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent them a letter asking for the debt to be validated and removed per section 609 of the FCRA due to it being a result of identity theft. I never entered any agreements or accepted any loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: SYNCHRONY FINANCIAL
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:
Experian has account number XXXX with syncb/XXXX listed on my credit as a negative on my credit report. They transferred it to another lender and I paid off the debt since. Request to remove this negative mark on my report please!

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 2020-10-28
Company: EQUIFAX, INC.
State: IL
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 submitted a dispute for a Bankruptcy listed on my credit report and asked XXXX to verify the public record. XXXX  has not verified how this was verified. Lastly, I received a letter from United States Bankruptcy XXXX XXXX of Illinois confirming what I thought- they do not verify or provide any personal information. I am requesting that if XXXX  can not show how they verified this public record Remove this entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: DISCOVER BANK
State: IL
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:
Discover card company added a so called " payment protection fee '' into my account since 2006 without any types of permission from me. I was charged this kind of fees since then which I just found it until recently, I never checked my monthly statement in the past 12 years until XXXX weeks ago .... 

I assume that any service or products offered by credit card company can only be added into/charged into clients ' account with confirmation from customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been an American Express card holder since 1991. One of their cards I carry is the Platinum Card, with the five last digits XXXX. This card offers " Membership Rewards '' points. As I type this I see XXXX points available in my account. I tried to transfer XXXX XXXX of those points to XXXX, the airplane carrier, through the " transfer points '' option. The system did not allow me to transfer the points, even though that is less than 3 % of my balance. Instead, I get the following message which I will quote verbatim : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria ''. 

I have over 30 years of relationship with American Express. To the best of my knowledge I have given them no reason to freeze or withhold my points through these decades. I ask your help to make my points free for use again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2018, XXXX 's denied my credit application in a letter that contains discrimination on its face. The letter is attached to this complaint. The letter was issued in violation of XXXX 's company policy and the XXXX 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 2017-08-04
Company: Key 2 Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The account manager repeatedly called my number several times everyday. The account manager also left messages regarding my debt over a voicemail violating my privacy. I will attach a sample of a voice mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting what I believe to be a medical debt according to my credit reports - the same debt is listed 6 times. This debt does not belong to me - I contacted the company and they refused to assist with removing from my credit report.

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 2020-10-28
Company: AMERICAN HONDA FINANCE CORP
State: WA
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:
My lease on my XXXX XXXX was ending and they gave me the option to extend my lease online and continue making payments. 

I choose to extend my lease for 3 months until I decided to buy a new car. I was told I would get information in the mail as I normally do to make my monthly payments. 

I never received anything in the mail the first month and my wife who pays the bills didn't pay it since we didn't receive anything. I finally got the first bill and showed that we had an outstanding balance. I paid it immediately when I got the bill, I have never been late on any of may payments for at least 10 years. 

I got notified via my credit monitoring that I had a a late payment from Acura Financial services. I immediately called them and they said that my payment was late by one day and there is nothing they could do. 

They said the call me multiple times on a phone number XXXX XXXX XXXX XXXX that doesn't even exist and said I gave it to them or the dealership gave it to them. The number I have on file is XXXX XXXX XXXX XXXX. I attached a screen shot of the number I have on file. 

The day after I made the payment I finally got a call on my cell phone the number that would have been on file that I was late. 

I had never missed a payment and I choose to extend the lease and never received a bill or any notification of a late payment. 

This is now affecting me to buy a new car and none of this was my fault. If I would have just turned in the car there would have been no negative impact on my car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX, XXXX., the attorney representing the lender, emailed our attorney, XXXX XXXX XXXX, XXXX. and stated : " Good morning, Per our client, below are the items still missing to complete the package : 1. Please provide updated 4506T/EZ provided is expired.

2. Please Provide Sign and Dated Profit and loss Statement. 
3. Last 2 months business bank statements '' On XX/XX/XXXX we provided the specific information to XXXX XXXX and her client as requested via email and by court filing in our foreclosure case, XXXX XXXX   XXXX in XXXX County, Florida. We have heard no response from lender. At the time the documents were furnished to complete the Loss Mitigation Package, it was more than 45 days before a foreclosure sale which has been set for XX/XX/XXXX. Pursuant to the protections of 10 CFR 1024.41, the  lender is required to determine completeness, communicate with borrower, and review it for loss mitigation options. No communications have been received. It appears that the lender is willfully in violation of the law in refusing to respond to our loss mitigation package.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
remove the inquires XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Target has been having issues with the app lately and I was trying to get a old bank account removed off my credit card and unfortunately it didnt get removed and a payment of {$29.00} went through without my authorization on XX/XX/2021 and today it was returned by my old bank and I was charged another late payment fee of {$29.00} and I called target to see if they can get it waived and it unfortunately they cant do it for me and would put it in a dispute instead which it wont help at all since I have other two disputes open for over 90 days and I never got a credit for them and I would like for my fees to be waived one time I didnt want this payment of {$29.00} to go through and so target put it in dispute but they are unable to provide me a case number which is weird and they removed the {$49.00} dollar payment due which is also strange

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Fay Servicing, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am senior citizen who is XXXX years old.Due to unforeseen family hardship In XXXX, I had to take out a loan on my home. I was force to file bankruptcy XXXX. The bankruptcy cover the past interest and the late payments that was accumulated, which would give me a fresh start with my mortgage payments. Unfortunately the bankruptcy would not assume the full amount of my home loan, only the past interest and late payments would be considered. After my mortgage was sold three times.The mortgage company that assumed my loan was Fay Servicing. With Fay servicing my payments were {$410.00}. I paid my monthly payments on time and some times would pay more.I noticed that my payment were starting the increase and I would have to pay more. For the month of XX/XX/XXXX I would have to pay {$1400.00}. Unfortunately my social security wouldn't cover the month of XX/XX/XXXX payment. With COVID 19 hitting things became very tight but I continued to make my payments on time. When I called Fay Services they refused to give me any information regarding my loan. They stated they need a form from the lawyer that file the bankruptcy. The release form was sent to Fay Services early this year. The company claim they never received it. I also have a copy of the form showing proof the lawyer sent paperwork. This company need to be stop and there taking advantage of many senior citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX  took my money in agreement to remove item from my credit report, but have fail to do so. And has continue to report faults/and inaccurate information. I consider this to be a defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DiTech is my loan servicer. I have been over the 15 day grace period and charged a late fee. When paying the full payment plus the late fee after the 15day grace period they provide zero options to pay the late fee or put notes for the overage to be applied to the late fee. They keep putting the overage on the escrow or principle balance instead of the applying to the late fee. They claim the process is to call in and have them re-apply to late fee after the payment is made on line. Even after calling them to verbally have the overage re-applied to the late fee they do not provide any confirmation number and they still don't re-apply the overage. This has happened on several occasions. If a mortgage company is to take online payments I find it concerning they do not offer the ability to pay a late fee, and when calling them, it is still not re-applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: EQUIFAX, INC.
State: AZ
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:
My XXXX XXXX XXXX XXXX XXXX # : XXXX and XXXX XXXX XXXX XXXX # : XXXX is lost/stolen, and all of the transactions on both accounts, are fraudulent and unauthorized, and dont belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been enrolled in PSLF since I have been working for the state and federal government since I've graduated from my XXXX XXXX degree ( FYI, I received by degree in the XXXX XXXX from XXXX University so I couldn't select it in the form ). When I started with the state government in XXXX, my loan repayment program was income driven until I moved to the federal government in XXXX. When I moved to the federal government in XXXX I moved to a ten year repayment plan schedule which moved my monthly payment to approximately {$450.00}. Starting in XXXX my current employer offered to pay part of my loan down at the amount of $ XXXX. They've paid this amount for XXXX and XXXX, however, my monthly payment did not go down. I've requested Pennsylvania Higher Education Assistance Agency ( PHEAA )  as to why my monthly payment would not be reduced as my loan amount has reduced by 50 %. I've called them and emailed them several times over the past month and they refuse to recalculate my monthly payment and have stopped responding to me. I am quite confused as to why my monthly payment would not be reduced when I'm trying to pay off my loan prior to the PSLF end date in XXXX. I have conversations documented via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Conn's, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a Conn 's account that was 12 months same as cash. I paid it off in XXXX of XXXX. They are showing a XXXX  balance on the account, but that I have a payment due in XXXX of XXXX. Now they have reported the account as delinquent on my credit bureau. I have contacted them 3 times and been told the account would be closed, but it still has not been.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I realized my eppicard had been compromised. I immediately contacted the eppi card center where I sat on hold for over 4 hours to be connected to someone in the fraud department. I filed my complaint and explained the card was in my possession the entire time so my guess was the person made a copy of my card. I also explained my frustration at them not having these cards with the chip because this would have eliminated this type of fraud. I was not even in the state when these transactions occurred. I received my letter back in XXXX stating that they find the charges not to be fraudulent. I called them to ask for a description of their findings, where I sat on hold for another 3 hours to be connected to someone. They told me they were forwarding my complaint to another fraud department and I would be hearing from someone in a few days. A week went by and I heard nothing, I called again and sat on hold for over 3 hours again and was told just to fax everything into them again. Which I did. Still hearing nothing I went and filed a police report, I faxed that into them over a week ago and faxed it again one last time on XX/XX/20. I still have heard nothing from anyone. All of this would have been resolved if they had the chips in these cards. The chips are to protect the consumer. Both the XXXX and the Atm machine are both XXXX compliant and have the chip capabilities. If these cards had the chips the atm would not have worked because it would have known that the card WITH THAT NUMBER had a chip. I have filed the police report and have done everything they have asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, 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 XXXX XXXX is incorrectly reporting to Equifax ; XXXX and XXXX two ( 2 ) collection accounts. The first collection is for {$87.00} partial account number XXXX ; and the second collection is for {$130.00} on partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have insurance, please see copy of attached insurance card, however XXXX XXXX XXXX never billed the insurance company and because of this error on their part, these accounts were never paid and consequently these accounts were sent to collections. I do not owe the {$87.00} collection nor do I owe the {$130.00} collection. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Do have dates but I know well and that bill was not incurred by me, would glad be would come off my credit report in order to use my credit again for business and other things.

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 2021-05-20
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: Account status incorrect

Complaint:
My final resolution is to show proof I have advantageously tried to remove the incorrect and or erroneous credit reporting information on my credit report. 

XXXX has three outdated accounts for different about showing on my credit report from XXXX, XXXX, XXXX ( These accounts are past 10 years and should be removed ) XXXX XXXX ( account showing on credit report ) XXXX XXXXXXXX ( past seven years ) XXXXXXXX XXXX ( XXXX accounts XXXX XX/XX/XXXX XXXX XXXX ( XXXX AccountXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on my account as accurate payments on time. XXXX ending in XXXX expiration date is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
remove the inquires XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collections is not from original creditor I dont know Portfolio RC-XXXX yo owe them {$1200.00}. I never heard of them and I never had an contract with them.

Company response to consumer: Closed with explanation