BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I pay off my Synchrony Bank Verizon Credit Card each month. This month was no different. They are holding part of my payment. Here is what they told me in a chat window : XXXX XXXX Thank you for your time and patience. Upon checking, you made a payment for {$1400.00} on XX/XX/XXXX. It appears that the payment was partially placed on hold. The amount of {$870.00} that was placed on hold is scheduled to be released in 4 days from today. I sincerely apologize for the delay. 

The payment hold may happen for various reasons : Large number of payments made within specific time period. Previous Returned checks. Payments on new accounts. Out of pattern Payments. Amount of Payment ( high payments are generally held to ensure they clear ). Rest assured that once the payment on hold has been released, it will be added to the available credit right away. 
END CHAT So in effect they are holding part of my payment for 8 days. 

I have had NO returned payments, this is not out of pattern, the account is a few months old. The payment cleared on XX/XX/XXXX with my bank. I made XXXX other payments this cycle, but is this a large number of payments? 

Seems like they are taking liberties here that the don't need to take with me. 

More chat text from manager : XXXX XXXX : Thank you for waiting, XXXX. I'm XXXX, one of the managers. I can read through your conversation with my representative, if I may. I'll need a few minutes but you may also describe to me how I can help. 

I see that your recent payment has yet to fully reflect on the account. I understand that the hold is not favorable to you at the current time. I'll see what I can do. However, I don't want to provide any wrong expectations. All payments may be reviewed and may not update the available credit. Though we don't have the specific reason for the hold, based on my observation, it may be for 2 reasons - payment pattern and fairly new account. 
END CHAT

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 2021-07-11
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I called XXXX XXXX to inform that I paid the XXXX account in full and to ask them to remove the collection from my EQUIFAX credit report. The man I spoke to said okay. I sent confirmation that I paid but to date the collection has not been removed and they are still reporting that I owe which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair 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 non-monetary relief
Consumer complaint received 2019-09-05
Company: Experian Information Solutions Inc.
State: AZ
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:
XX/XX/XXXX I obtained a repair loan from a lender I had several notes with previously. The loan was for a term of14 months at approx XXXX/mo. XX/XX/XXXX i turned all my affairs to the person with power of atty. She contacted the loan company, explained the situation and offered regular consistant payments of $ XXXX/mo. The loan company agreed to accept $ XXXX/mo and received 18 payments of $ XXXX/mo starting XX/XX/XXXX month after month till XX/XX/XXXX. It was only then did I discovery each and every payment was applied to the interest only and not only did the principle decrease it actually went up. XX/XX/XXXX I filed chapt XXXX to prevent a trustees sale and protect my equity. This lender hired an atty who filed a proof of claim for them. However, they valued the collaterat at over {$2600.00} when in reality if it was worth {$750.00}, that would be overpriced. In the lazt 2 months I was offered {$50.00} for it.When I  accomplished what I needed to do and the court gave its approval to remove my house from the control of the trustee and the bankruptcy estate, and I was able to sell it at market value. I did and having no other real pressing issue to continue the matter I allowed the trustee to move for dismissal. Their atty did not file an adverse action regarding the $ XXXX+ they claim I owed. They notified Experian, when is unclear that the acct is a charge off and they never got any payments ( despite getting 18- {$100.00} pmts and their atty not pursuing the matter, if they were owed anything, as an adverse action in bkcy court ) .When I filed the dispute by mail the trade line was reading " XXXX XXXX XXXX '' upon receiving Experians dispute results and comparing them to my Experian report, on my report XXXX XXXX XXXX   no longer appears but it now is shown under " XXXX XXXX XXXX XXXX '' it still is a charge off and claims the amt charged off is like {$2400.00} or {$2500.00}. They have never followed the FCRA requirement to report full and accurate information, to this day they still hav n't. Now in an effort to confuse things more it isnt even being shown the same anymore. 
This complaint is against both Experian and the lender

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 2020-10-13
Company: AC AutoPay LLC, Denver, CO Branch
State: IA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I voluntarily turned over my XXXX XXXX XXXX to the creditor, AC Autopay due to my inability to continue payments. I was notified the vehicle was sold at auction and that the balance I still owed was {$1600.00}. I received phone calls from AC Autopay to request payment, which I was unable to do. I was then informed that the debt had been sold to a collection agency, identified as XXXX XXXX XXXX. I then started to receive phone calls from the collection agency assigned to this debt, XXXX XXXX XXXX, from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX, I negotiated a lower amount to charge off this debt and issued a check for {$1300.00} to XXXX XXXX XXXX. I did not hear any more from this debt collection agency and noticed that the debt had dropped off my credit report. 

On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX claiming that I owed {$1600.00} for a debt originally owned by AC Autopay. I spoke to a man named XXXX on the phone and assured him that I had paid this debt. He requested a copy of the check, which I emailed to him on XX/XX/XXXX. Again, I did not hear anything further about this until XX/XX/XXXX when I was served court papers from XXXX XXXX representing XXXX XXXX XXXX stating that they were suing me in small claims court for {$1600.00} for their client AC Autopay. I responded to this with a denial of claim and court is now scheduled for XX/XX/XXXX at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE TRIED NUMEROUS TIMES TO HAVE THE NEGATIVE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. NOW I HAVE SENT POLICE REPORT AND MY IDENTITY THEFT REPORT TO THE BUREAUS AND I HAVE ALOS SENT THEM THE LAW THAT AFTER 7 YEARS THE NEGATIVE ACCOUNTS MUST BE REMOVED FROM REPORTING. THE CHARGES ARE FRAUDULENT, THE ACCOUNTS WERE OPENED WITH OUT MY KNOWLEDGE, PLEASE REMOVE THE NEGATIVE ITEMS FROM MY CREIT 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 2020-10-13
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE TRIED NUMEROUS TIMES TO HAVE THE NEGATIVE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. NOW I HAVE SENT POLICE REPORT AND MY IDENTITY THEFT REPORT TO THE BUREAUS AND I HAVE ALOS SENT THEM THE LAW THAT AFTER 7 YEARS THE NEGATIVE ACCOUNTS MUST BE REMOVED FROM REPORTING. THE CHARGES ARE FRAUDULENT, THE ACCOUNTS WERE OPENED WITH OUT MY KNOWLEDGE, PLEASE REMOVE THE NEGATIVE ITEMS FROM MY CREIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: IL
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:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account is closed. Its reporting inaccurately to credit agencies. Its a violation. I want it deleted and removed. I begin trying to remove this since XX/XX/XXXX by sending multiple letters to the collection agency by certified mail through the post office as well as online. XXXX  has agreed to remove and delete from my credit report. I was also a victim of the XXXX  breach in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I was sent an inactive card by US Bank Reliacard. I have been told multiple lies by representatives of this institution. I was told that they put a freeze on my card on XX/XX/XXXX. After weeks of being told that I must call unemployment or the XXXX treasury dept, I reached a " tier 3 '' representative at this " bank ''. I was informed that for unknown reasons, my account had been " restricted ''. They asked that I send in a copy of my ID, SS card, XXXX, and W2. All of this information was faxed on XX/XX/XXXX, as well as XX/XX/XXXX. After calling again, I was informed that they received my information and may take 24-48 hours to review it. After 48 hours, I called and was told that it may take up to 5 days. Now its been 8 days, and I'm being told that it may take an additional 15 days to process. I didn't get a chance to activate the card before they put a hold on the account, so I don't know of any possible fraud that may have occurred, and they can not give me a reason either.

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 2018-11-22
Company: AmeriCollect
State: AL
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, around XXXX, my husband and I were traveling on XXXX XXXX XXXX in XXXX , when I stopped to turn left. Moments later, we were rear ended by a huge RV whose driver was on his cell phone as noted in the police report. In just a few weeks, bills from the hospital were placed on my credit report. However, due to problems with the at-fault drivers insurance, we had hired an attorney. I contacted my attorney immediately, and he apprised the hospital and other parties involved that this was an illegal report ; the bills were removed. About a year later now, around the second week in XXXX XXXX, I noticed bills from the rear-end wreck on XXXX, XXXX, XXXX, had been placed back on my credit report. AMERICOLLECT INC is the reporting agency for the XXXX XXXX in XXXX where we were taken by ambulance after being rear ended. The XXXX XXXX   is part of the XXXX XXXX XXXX XXXX in XXXX, XXXX . The amounts reported are all from XXXX XXXX XXXX ; the amounts are {$180.00}, {$210.00}, and {$150.00} and reported by AMERICOLLECT INC. My attorney has already informed these hospitals that this is an illegal report ; and, that my husband is still receiving treatment from his injuries. My husband just had XXXX and is still under a doctors care. Regardless, these medical bills were put back on my credit report just recently from the XX/XX/XXXX, wreck even with the hospitals knowing about the litigation and even after receiving information from my attorney that placing these medical debts on my credit report was illegal. The hospitals will give no response, and even put debts that I am not responsible for on my credit report despite my attorney apprising them of the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I filed a claim for unauthorized ATM transactions on my Bluebird American Express account. The claim was for $ 3k+ in fraudulent transactions. They research for one whole day before declining my dispute. The reason they gave was there was no error. No other explanation. I dont think they even researched my claim. Also, Ive previously sent them two dispute letters and they claim they never received them. I dont believe that for a minute! They just dont want to honor their zero liability policy. Im including the original letter I sent to them. The transactions are as follows ... 

XX/XX/XXXX for {$500.00} XX/XX/XXXX for {$500.00} XX/XX/XXXX for {$500.00} XX/XX/XXXX for {$700.00} XX/XX/XXXX for {$700.00} XX/XX/XXXX for {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: GCFS, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is a follow-up to the initial complaint I submitted in regard to the debt collection agency by the name of GCFS , INC . The California State Attorney General determined that any loans given out by XXXX XXXX were illegal. Therefore, the debts do NOT have to be paid back.XXXX XXXX was a predatory lender giving out illegal loans to people who they knew who default on the loans. GCFS, INC bought the loan from XXXX XXXX and they have been harassing me for over 10 years now! GCFS, INC has obtained judgment against me in the amount of {$7700.00}. Although the loan I took out back in 2006 was only for {$2600.00}, not only that, but I paid on the loan for 1 year which means I paid off 50 % of the loan, if you deduct all of the ridiculous interest rates XXXX XXXX imposed on its victims. It is ILLEGAL for GCFS, INC to continue to pursue me to collect a debt that was ILLEGAL to begin with! I am also contacting my state attorney General 's office and submitting a complaint against GCSF, INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: IL
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:
Found Identity Theft on my credit files. Several accounts that were not mine. Belongs to another XXXX XXXX. Filed police report, FTC report and dispute with XXXX, XXXX and Experian. Several accounts on each file. This particular complaint is against Experian. My complaint came back verified by creditor when it plainly states that " a debt collectors words can not be the sole proof of verification of the debt. '' Experian, XXXX and XXXX..totally broke the law by doing this and refused to remove these items from my account with no proof other than thier own words. I would like the following items removed from my file my Experian, XXXX and XXXX Files. 
XXXX XXXX Act # XXXX Paid /Closed XXXX XXXX XXXX Act #  XXXX Paid/ Closed I would like the following files removed from Transunion and XXXX method of verification and who exactly they talked to and when. 
The Following Medical accounts from XXXX XXXX/ XXXX   XXXX XXXX XXXX pertaining to XXXX/ XXXX XXXX  XXXX XXXX. {$170.00} XX/XX/XXXX. {$230.00} XX/XX/XXXX. {$13000.00} XX/XX/XXXX. {$160.00} XX/XX/XXXX. {$340.00} XX/XX/XXXX. {$85.00} XX/XX/XXXX. {$440.00} XX/XX/XXXX. {$190.00} XX/XX/XXXX. {$67.00} XX/XX/XXXX. {$110.00} XXXX XXXX XXXX. XXXX IL Closed/paid {$1000.00} XX/XX/XXXX Delete not mine Delete XXXX XXXX   XXXX Ohio XXXX XX/XX/XXXX Paid/ Closed. Not Mine Delete The following accounts are fraudulent ane or identity theft on XXXX. 
XXXX XXXX closed paid # XXXX {$1000.00}. Not my account XX/XX/XXXX XXXX XXXX {$6600.00} closed paid # XXXX Fraud Not my account These are fraudulant accounts and were included in identity theft police reports and FTC reports. I would also like Experian and XXXX to explain the method of verification. Who exactly they talked to that aledgedly verified this identity theft debt and the method of verification. I want these debts " blocked and removed '' immediately and my police and FTC report honored as true.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 issue has been unresolved for several months now. 

I have filed multiple disputes with TransUnion and they have done nothing. 

I have two credit cards with XXXX XXXX XXXX XXXX XXXX. When one of the cards reports to TranUnion, it replaces the other card. This process repeats itself as each card reports. 

Here are the more specific details. 

I have two credit cards with XXXX XXXX XXXX XXXX XXXX. One is a secured card with a limit of {$1000.00}. The other is unsecured and has a limit of {$500.00}. 

The {$500.00} card reports on the XXXX of each month. It shows up on TransUnion 's report. A week later, my {$1000.00} cards reports. When it does, the {$500.00} card is removed from my report. My report stays this way until three weeks later when my {$500.00} card reports. When it does my {$1000.00} card gets removed from my report. This cycle continues month after month, so it seems that on TransUnion i have only one card and it keeps fluctuating from {$500.00} to {$1000.00}. 

As a result, my credit score rises when it supposedly sees an increase of {$500.00} in available credit, but then drops when it supposedly sees a {$500.00} decrease in available credit. 

Several investigations by TransUnion have done nothing to resolve this error. One of TransUnion 's customer service representatives has acknowledged this problem. I do not know why they won't resolve it.

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 2020-08-20
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Resurgent Capital Services aka LNVN Funding has placed a collection account on all 3 of my credit reports for {$310.00} on XX/XX/2017 to which I have no knowledge. I have sent them a validation letter via certified USPS mail and have proof they have received it. ( copy attached ) Under the fair debt collection act as long as this item is not verified or in dispute it needs to be removed. If Resurgent/LVNV Funding can not provide the documentation asked to be provided by me this item needs to be permanently removed from my credit files immediately. 

Resurgent Capital Services is formerly known as LVNV Funding had over 445 complaints on their collection tactics and ethics with the XXXX XXXX XXXX 

This business currently has nearly 5273 complaints filed with the Consumer Financial Protection Bureau as well.

Company response to consumer: Closed with explanation