BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: NC
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:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In XXXX I was attending XXXX XXXX of XXXX XXXX. I had to take withdraw because of high risk XXXX and had daughter at XXXX weeks. I had been hospital bedridden since XX/XX/XXXX. 

Then they said I owed even though it was a medical emergency. Later they kept saying it was in forbearance until last year at tax time they took my whole refund causing financial hardships and making it difficult with credit scores, trying to get back into school etc. It seems the amounts change so drastically even when I made the payment required from my tax refund. This has so much strain on myself and my XXXX child who is XXXX. It 's too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
To Whom It May Concern : I am writing because my vehicle was repossessed prematurely and not based on company policy. I was informed by an Ally representative their company has a 90  day policy for repossession. My payments are due on the XXXX of each month. My vehicle was repossessed either the evening of XXXX XXXX XXXX XXXX or the early morning XXXX XXXX XXXX XXXX. At the time of the repossession my account was 85 or 86 days past due. I have called XXXX times since XXXX XXXXXX/XX/2019 to resolve this matter with Ally to no avail. I tried to make payments to Ally twice on XXXX XX/XX/2019 ( two different calls ) for the total past due including any and all fees plus the upcoming payment that's not due until XX/XX/2019 ; and they have repeatedly refused to accept my certified funds. They are stating because the vehicle has already been repossessed, I now have to pay the total balance in full. I had just received an email from Ally on XXXX XXXXXX/XX/2019 at XXXX XXXX  stating my payment was due on XXXX XX/XX/2019, but according to the representative my account was already flagged for repossession days before. I was preparing to make a payment on XXXX  XX/XX/2019 because I just received a pay check from my employer that cleared. However, I awoke to find my vehicle was taken prematurely repossessed. I feel I am being treated unfairly and under the circumstances I would like to be given an opportunity to rectify this situation. I never received any verbal or written correspondence stating my vehicle was in jeopardy of being repossessed. I honestly thought if I made payments on XX/XX/2019 I would be fine. I am able to make all the past due payments and any fees plus the upcoming XX/XX/2019 and even XX/XX/2019 payments in full immediately by certified funds. This is my livelihood, if I don't have a vehicle I can't work and if I can't work I lose everything.

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 2018-01-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX Select Portfolio Servicing ... the crooks formerly known as XXXX XXXX, allegedly became the " servicer '' of my purported loan. They are quite non-responsive to multiple qualified written requests ... 
Under RESPA-I have requested : 1 ) A certified copy of their servicing contract 2 ) A certified copy of their boarding practices and employee training manual 3 ) Documentation over the past twelve months evidencing compliance with said practices/policies 4 ) SPS to send the original wet ink note to their attorney in MN so that my team can inspect it and determine validity/veracity 5 ) SPS to provide documentation reflecting that the purported " owner '', XXXX XXXX XXXX XXXX XXXX XXXX is : a ) Statutorily existent-DE XXXX says it ai n't b ) Active c ) funded d ) tax compliant e ) Was active/extant on XXXX/XXXX/XXXX f ) Since the trust XXXX says it can not accept additions to the pool after XXXX/XXXX/XXXX ... .how is it that it supposedly accepted a non performing loan more than 7 years later g ) Proof that an XXXX XXXX temp employee had the authority and complied with the legally necessary review and oversight prior to signing as a " XXXX XXXX '' ... smells like forgery. Notary violation. Bonding violation. 
h ) SPS please provide copies of your current bonds and contact info. for the insurers. 
6 ) An explanation as to why, after multiple requests they have neither provided a complete transaction history ... or any form of explanation for its absence as required by RESPA 7 ) Why they behave contrary to the XXXX provisions, in non-compliance 8 ) What allows SPS to purport to be a servicer ... of an installment lease ( no mortgage, just bearer notes for bonding purposes, cancelled and converted at securitization ) ... in violation of the SEC ( AB 1122 ) and IRS bulletin 544? 
9 ) Why is SPS not yet honoring my XXXX rescission? They did not take an appropriate adverse action within 20 days-thus rescinded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was notified of a inquiry on my equifax credit report from my credit monitoring company and immediately called to notify it was unauthorized without my consent, after doing so my 3 reports were placed on fraud alert. I was given the number, called in then transferred to a Equifax agent who initiated the investigation and told me to call back after 90 days. I did so XX/XX/2020 only to find that there was nothing done on their behalf by way of investigation or acknowledgement of the erroneous processing of my original dispute request. I was now told that I had to contact the FTC and Police to have the unauthorized inquiry removed from my equifax account, which I'm doing by writing this correspondence. PLEASE HELP ... EQUIFAX IS HORRIBLE WITH CUSTOMER SERVICE AND SERVICE HOSPITALITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Fidelity National Information Services, Inc. (FNIS)
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 information incorrect

Complaint:
balance was paid before closure of banks and is not showing on Chex systems.

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 2019-04-24
Company: EQUIFAX, INC.
State: NC
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:
Equifax is reporting incorrectly that I am 120 days past due on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury, defamation of character, inability to obtain any type of credit or loans to help my family during this crisis. I can't get a job, a car, or a home. Not to mention XXXX XXXX and XXXX due to my inability to help my family. There is numerous inaccuracies on my report in which I've tried to remedy through the dispute process. That includes addresses I never lived at, jobs I never worked at, social security numbers that are not mine as well as accounts that I never opened from companies I've never done business with. False and misleading representation, and deceptive tactics has allowed XXXX, Equifax, and XXXX as well as their affiliates to obtain my personal information and furnish my consumer report with inaccurate data. I never gave consent for any of the before mentioned consumer reporting agencies to have, furnish, or sell any of my personal information for any reason including for profit that is fraud and violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have contacted XXXX XXXX on numerous occasions in regards to my XXXX XXXX credit card account. I am a XXXX XXXX credit card holder with Synchrony XXXX. For the past few weeks I have been harassed by synchrony as well as customer service reps, I have been discriminated against due to my age as well as have had to prove my identity a total of 14 times with the bank, this included me sending in my ID, social security card, proof of address, bank letters, and they even called my wife on her cell phone to ask if I am who I am. Synchrony XXXX has been contacting me and still is refusing to address my concerns they are stating that what they did to verify my identity was protocol but what they put me through was not a true protocol they even violated my privacy as a customer and called my wife on occasions and discussed my personal info to confirm wether I was who I was. I was also told to send multiple documents to the bank and they continued to place blocks on my account, due to the circumstances I did act out of character on some interactions because of the horrible things they put me through they made me feel like a true criminal, not a single executive at the bank has apologized to me for what happened. Instead the bank threatened me stating they would be closing my credit card accounts because i became irate and upset with their customer service. I have the email conversations and I would be happy to share them with you. I do not feel its fair or legal that Ive been treated this way by synchrony and now they are making threats to close my account which by law the bank can not do that. As I stated before I do apologize if I acted out of character but Im a human being and I think we can agree if any human being had to go through what I did they would have acted accordingly as well. Synchrony truly doesnt care about its customer and I hope you at the CFPB would take the time to call me at XXXX XXXX XXXX so we can discuss. Thank you so much and XXXX bless. I look forward to speaking to you soon. Wether my actions were justified or not the bank has no right to treat me the way they have treated me as a consumer and violated me in these ways.

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 2020-02-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 I went for complimentary visit to XXXX XXXX XXXX in XXXX, Florida. I decided against treatment and am now receiving bills from CareCredit ( Synchrony Bank ). 

I called CareCredit on XXXX XXXX. They told me they will file a fraud claim investigation. 

Bottom line, I was told that this was a Complimentary Visit. And was told nothing about CareCredit. I did not apply for a CareCredit card. I dont have this kind of card.

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 2018-01-09
Company: SYNCHRONY FINANCIAL
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My ex husband opened an account in my name at XXXX XXXX. He paid it off but XXXX turned this over to a collection bureau, XXXX XXXX. I have called XXXX repeatedly, with recorded phone calls, where I am told I do not owe them anything. They told me to dispute the bill with the credit bureau and I did so. They turned around and verified debt. I called them back and once again they said I do not owe them anything. If this is not resolved immediately I will be turning over my phone calls to the Attorney General, The FTC, and I will sue for damages. I am tired of the games and of being destroyed for a bill I have proof I do not owe.

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 2020-02-26
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been a GOOD customer of American Express for 30 years. I have a good credit rating and yet I am being charged a 22.49 % Apr. I have spoken with several very nice, understanding people at American Express and no one knows why I am paying so much in interest. I am XXXX years old and have an income of {$850.00} a month and I have a mortgage to pay. I just upgraded to another XXXX  card and am shocked to realize I must now pay an annual fee of {$95.00} ( there is NO senior discount ) and this outrageous interest rate. Perhaps if the CEO wasn't paid such an outlandishly high salary I wouldn't have to pay such high fees. I am no longer willing to recommend XXXX to anyone and am saddened at the way American Express doesn't appreciate my business or loyalty. I really feel I shouldn't be charged for an annual card or such a high interest rate. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX I went to my bank to initiate a {$6000.00} USD wire transfer to coinbase. They are an online cryptocurrency exchange. They promised that it would be processed and credited to my account in one business day. 

It is now XXXX XXXX and my account has not been credited by coinbase. I have called numerous times in the past weeks and their customer support is a joke. They can not help you with anything, only escalate your case to a 'specialist ' which in return sends you an automated e-mail. You can only contact this 'specialist ' by e-mail, but when you attempt to, they never respond to you. 

My money is in limbo and I can not do anything. I can not get an answer for why my money has not been credited and where it is, I am told to simply wait. I have been waiting for now approaching close to 1 month. 

They also are continuously accepting new bank wires even though they acknowledge they have a massive amount of backlogged wires from XXXX. 

My Case ID is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt was due to a Doctor visit in XXXX. Debt was believed to have been paid in the full amount and we never received any other information regarding payment. That is, until summer XXXX we received a letter informing us we were now in debt collections and needed to pay this amount. We were very surprised but it was an insignificant amount so we paid to clear our debt history. Another year has passed, now in early XXXX and we decided to refinance our home. As we go through the process it is found that we are again in debt collection, this time for {$50.00}. Again, I have paid to clear this debt. All of this is still stemming back to the original XXXX doctor visit. Notice, we have received no information about this debt whatsoever, by phone or mail to our address. I only now found it because of the refinance while it has sat on our credit report for nearly 2 years. This has undoubtedly and unnecessarily damaged my credit. I can only hope it does not affect my homes refinance, as it will cost me upwards of {$70000.00} because of a {$50.00} charge that should've been fulfilled years ago.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Huntington charged the Automatic Draft to my Bank Account, XXXX as per Funds Transfer Contract and Charged XXXX Interest. They cashed my payment of {$1000.00} check # XXXX marked Principal only and applied XXXX on XX/XX/XXXX ( 4 days later ), then charged another XXXX Interest. 
Huntington Double Charged me Interest in XX/XX/2018. {$140.00} was charged on an XXXX pyt of XXXX on XX/XX/XXXX and {$140.00} was charged on a principal pyt of XXXX check # XXXX on XX/XX/XXXX. 
Huntington Failed to Auto-Draft my bank account in XX/XX/2018. And again in XX/XX/2018 cheating me out of a Principal Payment of {$1200.00} # XXXX. 
Huntington Double Charged me interest on XX/XX/XXXX amount of XXXX AFTER charging XXXX 3 days Prior on XX/XX/XXXX. 
Huntington Double Charged Interest to My Mortgage on XX/XX/XXXX amount of XXXX After Charging XXXX XX/XX/XXXX. On XX/XX/XXXX Huntington only credited me XXXX for a Principal ONLY Payment of {$500.00} dated and sent XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-09
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX forclosed on my home XX/XX/XXXX. I believe I was fraudlently foreclosed on. It is impossible for me to owe both XXXX XXXX and Ocwen. My loan was orginally serviced by XXXX XXXX. Ocwen purchased XXXX 's assets back inthe end of XX/XX/XXXX. Ocwen reaches out and states they can assit. I enter the SAM Modification and I was still paid my first 2 trial payments and I was still foreclosed on by XXXX XXXX. The paperwork was robo signed and I was cleary done wrong and my rights in general and due process rights were violated. XXXX XXXX has transfered ownership to their name. I have attatched paperwork and court cases which should assit in my explanation. 

The foreclosre is still being reported negatively on my credit reports. This damages my character many other damages that come with that type of negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello : Date XXXX/XXXX/XXXX I called to Collection Company and asking for charge under my name they told me the charged was from XXXX XXXX for amount {$960.00} I never received any notice for this debt but I agree to paid in XXXX/XXXX/XXXX for they reported, remove and deletion this charge from the major consumer reporting agencies but I called several time they never respond my question what happened with you promisse. well I think was victim of the lie.

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 2020-02-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Name : XXXX XXXX XXXX Experian Membership ID : XXXX Date of Incident : XX/XX/2020 Today 's Date : XX/XX/2020 Residence State : NY Dear Sir or Madam, I receive many solicitation emails from Experian since I'm an existing member, however, on XX/XX/2020 I received one of their solicitation emails that clearly stated my first name and the amount of my credit card debt ( snapshots are attached for your review ) in the email 's subject line. 

I find this highly disturbing and horribly invasive regarding " my '' personal information. Also, why make it easier for identity thieves since they're getting very sophisticated in their M.O. 's. I followed up with three phone calls to Experian @ ( XXXX ) XXXX on XX/XX/XXXX to discuss my issue to no avail ; their automated menu options are limited and there is no option to talk to a real, live person. I then called ( XXXX ) XXXX, also to no avail due to the same issue. 

To be clear, my issue is with publishing my outstanding credit amount and my name in the subject line of their solicitation email for anyone to see, whether they be an Identity thief, a family member/friend, or a casual passerby. Something about this seems terribly wrong and possibly unlawful. I did a quick review of their Privacy Policy and could find nothing that addresses this issue. No one should have easy access to info. of this kind, not even myself and especially in an email, unless they clearly validate their identity. 

Included are webpage snapshots of the email in question, a close-up of said email, the body of the email itself, and the two Experian numbers I called with no results whatsoever. 

I would be most grateful for a response to this matter, and I thank you sincerely in advance for your assistance and advice on this issue. 

Kind regards, 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