BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: SYNCHRONY FINANCIAL
State: MT
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 dispute the credit action you have taken in closing my account. The error in drawing payments is with your own ACH process. My account has never been in arrears and must not be reported in any negative fashion. I have attempted to correct this information many times with your employees over the telephone but never reached resolution. I do a significant amount of business with Amazon and your actions cause me great concern as to continuing that buying. 

The errors causing this issue arose from a bank account used to make ACH payments. That account had to be closed due to a data breach from XXXX XXXX suppliers. There was one payment made where the closed account number was used. This was corrected immediately. I personally went into your web-based system and changed the account number to reflect the replacement account. 

I also personally verified the correct account number for a recent payment. I was notified of the account number error and immediately made payment through another source. My bank XXXX XXXX XXXX in XXXX Michigan notified me that Synchrony Bank sent an ACH request to the closed account. I authorized payment by my bank from the correct account number. This resulted in Synchrony Bank accepting duplicate payments. 

I went back into my Amazon Credit Card account and verified the correct account number for ACH payments. I called and spoke with a manager who told me I should completely delete any ACH payment sources and start over which I did. 

I did not make any payment from the closed account. Your system used the old account number to request the ACH. My bank initially declined but then called me and then made the payment. Your actions have negatively affected my credit

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 2022-09-01
Company: Unlock Wealth $
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I paid {$500.00} XX/XX/XXXX to XXXX XXXX or XXXX XXXX {$4000.00} in return. Nothing received I paid {$1000.00} XX/XX/XXXX. Loan fee. I never received loan. Only false promises I paid {$70.00} subscription fee in XX/XX/XXXX. Then after i paid they said only pay when you receive loan. But my fee was never returned Now i have to pay {$5.00} fee to receive my money back. 


Please help me. Im desperate They stopped responding to emails. 
All social media platforms do not accept comments. 
If your not a scammer why are they hiding.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: John C. Heath, Attorney at Law, PLLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I hired Lexington Law for credit repair. They misled me about their ability to remove a bankruptcy from XXXX. The overcharged me. I did get refunds and they did help one problem. 
I quit on XX/XX/XXXX. 
On XX/XX/XXXX. My identity was stolen for the first time. Credit was applied for in my name at XXXX. 
XX/XX/XXXX I received a text with graphic photos and death threats. 
On XX/XX/XXXX an illigitament XXXX account was discovered. 
My SSI # was found at XXXX XXXX XXXX in XXXX CT. 
On XX/XX/XXXX an attempt was made to open a credit card with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Credit Acceptance XXXX XX/XX/2020 To whom it may concern : I have a car loan through XXXXredit Acceptance. My payment is {$400.00} a month. I made payments until Covid hit and missed a couple payments. They would not work with you during the global pandemic. They reported it to the credit bureau and totally destroyed my credit that i was rebuilding. Once we were able to I started making extra payments a month. I was caugh up in one month. When i called to question why my principal did not go down by the amount of the double payment. I was told we dont do that. It is redicilous. 

I was also forced to purchase an extended warranty for the car. Our mechanic had called a few times to get something approved and it is always a no. That was something I was told was supposed to be covered. Nothing was ever covered. 

I would like the extended warranty money refunded, from when i bought the car, plus interest and have that applied to the loan. I would like to have the extra money that i paid applied to the principal. I would then like a final payoff. The reality of the situation is that I have already paid the car off. 

I would also like to know what my next step should be. I will put the payment money in an escrow account. I will not send it to Credit Acceptance. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX 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 2018-03-08
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX  v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX  ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: CITIBANK, N.A.
State: KY
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 had the citi XXXX XXXX card. I received literature stating the card would come to an end in XX/XX/2018 due to XXXX XXXX taking full rights to XXXX. They were replacing the citi card with an XXXX card. I already had that card. I had planned on keeping my citi till the end but in XX/XX/XXXX ( less than 4 weeks till the card expired ) citi billed me {$95.00} for an annual fee. I called them and explained I didnt understand why they were assessing a fee when the card was up in less than a month. The agent told me I could cancel it without losing my yearly weekend night bonus ( this bonus is awarded if you spend {$10000.00} in a calendar year which I had done ). They now refuse to give me my one free night certificate which I earned. This whole experience has been shady to say the least.

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 2020-11-23
Company: ORG GC GP Buyer, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi XXXXXXXX ; how are you? I just got off the phone with your representatives and it looks like that the account was transferred to GC SERVICES, but i was never informed and it's not even reflecting on my credit report who to contact. When i called your company and XXXX recovery team, they stated that i have to call different company which is not listed on my credit report. Please delete! I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I went to apply for a house loan and I was declined. They told me that there was a collection account on my credit report. After getting the credit report I saw that Credit MGMT had put a balance of {$1300.00} on my credit. I dont know who this company is and I don't owe them anything.I send out a letter disputing this account and I have been waiting for weeks. I will attach the letter to my file

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
This company Is giving me a hard Time I submitted an application and I have a fraud alert on my credit report they refuse to process my application and delayed me for days it says pending and they wont complete the verification with me to have it approved they claim they have a technical error which to me doesnt make sense I wish they would stop this nonsense and approve me with the verification that is required if they only Knew how to complete it instead they argue with me and treat me horrible shame on you Amex

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, I entered into a closed end mortgage with XXXX XXXX  as the lender for a sum total of {$50000.00}. The contract provided for monthly payments beginning on XX/XX/XXXX and ending on XX/XX/XXXX total amount paid in full. 

A full payment was made XX/XX/XXXX which should have been the final payment. On XX/XX/XXXX I received a payment notice to make a full payment of {$430.00}, on XX/XX/XXXX I called Santander Bank NA who had taken over the bank and the mortgage from XXXX XXXX in XXXX. On XX/XX/XXXX I received an invoice stating that a balance of {$5500.00} .plus cancelation fees for a total payoff of {$5500.00} would be needed to pay off this mortgage in full. On XXXX XXXX I sent Santander Bank a check for {$5500.00} ( the amount of payoff ) On XX/XX/XXXX I received cancelation documentation that was dated XXXX XXXX the documentation included the original mortgage contract the was canceled and recorded by the XXXX County Clerk XXXX XXXX XXXX. Which stated the a for mentioned provisions of the contract. 

On XX/XX/XXXX I contacted Santander Bank and informed them what I had observed in the canceled contract the I received. They told me this needed to be escalated to there back office and that I could call then back on XX/XX/XXXX and they would have an answer for me. On XXXX XXXX I called back and I was informed that sometime during the life of the mortgage that 7 extensions were made to the mortgage they could not tell me how, when or why.. The canceled mortgage I received was the original document and contained no modifications or addendums. I asked to have a copy for there findings sent to me in writing, they told me that the normally do not do that but since I asked they would send me a copy of what they read to me over the phone but it would take 5 to 10 working days. That time period has passed and I do not find it productive to contact them again. At this writing I believe that the documentations that will be attached to this complain justify a return of {$5500.00} that I should have not paid.

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 2020-05-25
Company: Mid-South Adjustment Co., Inc.
State: AR
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:
Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts ( XXXX XXXX XXXX, Mid South Adjustment, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX of 2020 and but yet are appearing on my report to this day. In addition XXXX, XXXX, and XXXX  has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX  has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Experian Information Solutions Inc.
State: AR
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:
Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. In addition XXXX, XXXX, and Experian has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and Experian has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.

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 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Transunion is reporting inaccurate data that is affecting my home loan acquisition. 

They do not have an online reporting access or not taking information on telephone line. 

The collection item XXXX XXXX on the report is incorrect. 
The settlement was paid, and they are still reporting as unpaid,

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 2020-09-10
Company: EQUIFAX, INC.
State: NV
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:
This is my second dispute requesting the credit reporting agency to REMOVE the attached items from my credit reporting. The creditors listed are UNVERFIED, INACCURATE, AND MISLEADING. The credit reporting agency has failed to provide the proper documentation validating this credit and/or proof of signatures.

Company response to consumer: Closed with explanation