BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
I had an IRA account in Synchrony Bank. In the middle of the year ( XX/XX/XXXX ) and after the IRA certificate of deposit expired, I asked them to wire the IRA money to XXXX XXXX XXXX XXXX XXXX. I am not aware of words as distribution or rollover. I explained to Synchrony Representative that I am opening 5 Years CD with the XXXX XXXX  XXXX XXXX XXXX and the need to wire the money to this credit union as a continuation of the IRA. The Synchrony Representative asked me to sign the paper and make edits along the way and indicated that they are wired the money to XXXX XXXX  XXXX XXXX XXXX. In XX/XX/XXXX, Synchrony bank-issued 1099R under distribution. The representative XXXX indicated that she is willing to fix it at the beginning of the phone call, but she changed her mind within seconds during my phone call with her on XX/XX/XXXX. She said if the XXXX XXXX  XXXX XXXX XXXX indicated that THE IRA was a RollOver, She will fix the 1099R. Later on the same day, I received a call from XXXX XXXX who is working In Synchrony and refused to change the 1099R to Rollover. Synchrony Bank is punishing customers who end the relationship with their bank. The transaction should be done as a custodial transfer and not as 1099R with the distribution.

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 2020-02-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are two debts collectors ... XXXX XXXX & XXXX appearing on my credit file.I have never been involved with ANY of the businesses with whom theyre representing.This unfair and ill-waranted activity is causing extreme harm to my credibility as a consumer.I have reached out to all relevant individuals with no success.I appreciate your assistance in this matter.

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 2021-11-30
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 



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Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: U.S. BANCORP
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This is the 3rd CFPB for my loan. reference case numbers XXXX and XXXX My daughter contacted US Bank a few weeks ago advising them, once again, that she was struggling to maintain the payments on this vehicle, due to an unforeseen financial burden. Story-her mother, was arrested and she bonded her out of jail. Her mother skipped court, and her bond was revoked. The bondsman, XXXX XXXX, sued my daughter for the responsibility of the bond totaling {$7000.00}, negotiating a payment arrangement of {$300.00} monthly until paid in full and/or her mother turns herself in. She asked US BANK for assistance with deferring the payments, and was advised very rudely that she does not own the vehicle, therefore, she can not request changes on the loan. She confirmed I purchased this vehicle for her, and she has been paying the payments for ALMOST 3 YEARS. EVERY SINGLE MONTH SHE HAS MADE A PAYMENT, whether it was the full amount owed or not. The woman advised my daughter that I would have to call and request assistance, but if I admitted that I do not make the payments, then I am not eligible to seek assistance either since I was n't making the payments. WHAT KIND OF XXXX NON-SENSE IS THIS. My daughter pays, but its not the loan, so she cant get assistance, I dont pay, but it am on the loan, yet i do not qualify for assistance. My daughter has worked for a mortgage company, for over 9 years, and they assist borrowers whom are not on the loan, all the time! They simply request verification of the non-obligor 's income and a written statement from both the non-obligor and obligor. WE ARE STRUGGLING and have made a good faith effort to ask for assistance. I am on XXXX INCOME, and only make an average of {$750.00} a month. This car payment is $ XXXX. How on earth could I afford living, and paying this vehicle. I guess I have to tell US BANK, I will figure it out. I have received a letter in the mail which states I have to pay $ XXXX by the XXXX or US BANK is threatening to repossess the vehicle. It will not be paid by the XXXX. I will make a payment of {$250.00} on the XXXX. US BANK responded and told me to contact them to ask for help, however, they will not help. I have already contacted them and I get the same story each time, by their unprofessional representatives. 

US BANK has charged me a total of {$550.00} since the month of XXXX XXXX. The attached payment history shows payments have been made every month! WE NEED 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 explanation
Consumer complaint received 2017-07-31
Company: Paul Michael Marketing Service
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I checked my credit score and I noticed that XXXX XXXX XXXX made a derogatory remark on my credit history. It says that the account was opened on XX/XX/XXXX and the original creditor is XXXX XXXX XXXX. In XX/XX/XXXX I have not been to the doctors nor did I have any blood work that involves XXXX. XXXX XXXX XXXX has never contact me nor sent me a formal letter and proof that I owe such debt.
T
he Original creditor did not try to contact me of this debt at all. They have not shown proof that I owe such debt. It is unprofessional and irresponsible to put a derogatory mark on my credit history without proving and notifying of such debt. It has dragged my credit score down.
I therefore disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( Section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX,  verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, and according to the information you sent me I never received such service for which Im being charged in the first place. Because I am disputing this debt, you should take the derogatory remark on my credit score immediately and PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of XXXX XXXX ( section XXXX ) require that you honor this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: DIRECMANAGEMENT, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
there is a medical bill on my XXXX credit reporting from XX/2012 a medical bill from XXXX XXXX  XXXX. I filed chp XXXX on bankruptcy and this debt was included in that bankruptcy. direct management is still trying to collect money from me for this debt but yet it has been validated and confirmed that this debt was included in the bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Company stated they do not do hard inquiries, but they are on my credit report. I would like them removed please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I logged on to my XXXX XXXX account today and saw a new account in collections. It was a different collection agency but the same account that had already been removed previously because I didn't take it out. The new company is called XXXX XXXX XXXX who are collecting for XXXX XXXX. They say I opened the account in XX/XX/2017. Which I know for a fact wasn't true because I wouldn't open a new credit card account ( and wouldn't be able to ) when I had lost my job and was being evicted. I call and they tell me that I bought new tires for my truck, which I didn't. The only truck I have hasn't run properly in five years, I am not putting thousand dollar tires on a truck I can't use. It has already been removed as fraud, now they are just harassing me and putting it on each report over again, weeks before I buy my house as well!

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 2019-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery Solutions Continues to report INACCURATE Information to XXXX XXXX and XXXX, which is a huge VIOLATION. 


Portfolio Recovery/XXXX account # XXXX Please remove account due to violations 1. Can not have a past due this is a collection account 2. Can not be late 120 days on a collection account 3. Date of last activity is inaccurate XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX PLEASE REMOVE THIS ACCOUNT FOR INACCURACY. 


Portfolio Recovery ( XXXX XXXX ) Account # XXXX Please remove account due to violations 4. Can not have a past due this is a collection account 5. Can not be late 120 days on a collection account Account in violation by reporting inaccurate Date of Last Activity. XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX. PLEASE REMOVE THIS ACCOUNT FOR INACCURACY. 


Portfolio Recovery/XXXX XXXX Account # XXXX Please remove account due to violations 6. Can not have a past due this is a collection account 7. Can not be late 120 days on a collection account 8. Reporting Date of Last Activity inaccurately. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove immediately for violation. 


Portfolio Recovery ( XXXX XXXX ) Account # XXXX Please remove account due to violations 9. Can not have a past due this is a collection account 10. Can not be late 120 days on a collection account Account in violation by reporting inaccurate Date of Last Activity. XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX. PLEASE REMOVE THIS ACCOUNT FOR INACCURACY. 


Portfolio Recovery/XXXX XXXX Account # XXXX Please remove account due to violations 11. Can not have a past due this is a collection account 12. Can not be late 120 days on a collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I mailed a second letter requesting that my debt with the company above be validated. I have no knowledge of this debt.The creditor provided me the attached information. They have refused to provide me an agreement between them and their client that identifies that they have the authority to collect this alleged debt or proof of acquisition by purchase or assignment of alleged debt. They have not provided an agreement that bears my signature wherein I agreed to pay the health care provider along with the required HIPAA authorization. 

The attached has information that is a VIOLATION of HIPAA because i have never given SIGNED authorization to Transfinancial Companies to gain access to my health records. The attached includes diagnosis codes and procedure codes that is a direct violation of my HIPAA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: BOEING EMPLOYEES CREDIT UNION
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 had recently gottten my credit run and pulled by XXXX XXXXk and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what XXXX  XXXX XXXX  & BECU BANK had REPORTED to XXXX and to the credit companys. 

As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with XXXX XXXX XXXX or BECU I have been with XXXX XXXX since XX/XX/2004 and my home mortgage is also through them and I continued to stay with them. 

I had contacted XXXX  XXXX XXXX Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at XXXX XXXX in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. 

I also went into BECU and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. 

I am XXXX XXXX XXXX Employee ( XXXX ) for XXXX as a XXXX  XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need XXXX  XXXX XXXX and also BECU to please remove me off their XXXX and also notify XXXX that this is an error on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: ARVEST BANK GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I 'm into 23 cycle of my 30 yrs loan. Loan any XXXX at 4.499 %. Recently when I checked my principal+interest composition, it appears that my interest is double than principal. Is that sound right, granted that in the coming years it will come down but banks collecting interest more than the principal sounds morally unethical. We all work hard to pay mortgage/bills and to meet our ends. But when you learn that banks safe guard their interest and profits, and keep their interest at higher priority than you as a customer it sounds wrong. Just to put into perspective, off the total money i.e. towards principal and interest I pay, more than {$1000.00} goes towards interest and less than {$500.00} towards principal. Is this ethical? Not until 15 yrs into loan, my principal n interest would be equally. That means I 'm XXXX if I want to buy another house n sell my current house. Banks has collected more interest in 2 yrs than paid towards principal. Is n't this incorrect? I mean how will low to medium income family survive. My contact XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This is a complaint against Lia Motors Finance c/o Hyundai XXXX XXXX XXXX 
1 ) I have received a bill for {$16.00} for a violation but no one can give me documentation of what it is for. There are no documents scanned into my account for more information. I was told in XXXX  I would be sent a statement showing what its for. Now They are saying my account will go to collections. Ive talked to a supervisor who claimed to escalate my complaint but when I call back in a few days nothing has happened. 

2 ) Now I am also facing a {$25.00} late fee for a toll violation ( different violation ) I incurred when my XXXX XXXX didnt not read properly. Hyundai leasing did not pay the {$5.00} toll within 31 days so I was charged a late fee of {$25.00} bringing it to {$30.00}. Now Hyundai is saying I owe {$30.00} on top of the other mystery fee. I have proof the first violation notice for {$5.00} went out on XX/XX/19 from the toll company. 

This company also lost a {$670.00} personal property tax refund check from my city and it took 4 months of back and forth with them to have it applied correctly.

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 2018-01-12
Company: Experian Information Solutions Inc.
State: MN
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:
Bankruptcies and tax liens & judgment that are incorrect.

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 2017-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 charged a headset on a Bank of America card that was sold to me as an " open box '' item that was missing a part. I had to make multiple trips to the store and they insisted that I buy the missing part. I did so but it was the wrong part and the store admitted that they did not have the actual part and that I would have to buy a whole new unit. Since I had also bought a warranty that required the store to replace the defective item with a new one I wanted to do a trade ( the normal procedure ). The store refused and I told them I would be disputing the charge.
I disputed the charge but it was not processed in a timely manner. When the store challenged the the dispute I was sent a letter that arrived on XXXX XXXX, 2017 and gave me only until XXXX XXXX, 2017 to respond. I did so by fax but Bank of America refused to process my dispute.

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 2022-10-04
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My bank, USAA does not participate in the XXXX XXXX program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation