BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank, the operators of XXXX XXXX XXXX 's store credit card, have repeatedly applied payments incorrectly to promotional balances. 

I have several purchase balances that are on a 'fixed payment schedule ' meaning that they are a set amount for a set period ( {$9.00} per month for 48 months, etc. ). 

I have other balances that are deferred interest if paid in full ( 0 % for 18 months for example ). These require no pre-payment until the end of the promotional period, aside from a monthly minimum. 

Their terms state that payments in excess of the minimum payment for the fixed payment plans are applied to firstly non-promotional balances, secondly to deferred interest balances, and lastly to pay down the balances on the fixed payment promotional balances. 

For 2 consecutive months, they violated these terms by applying the excess to the fixed payment balances and reducing the payment applied to the deferred interest ones. This would result in my being unable to pay off the deferred interest until the entire balance of the card was paid off in full, likely resulting in my having to pay the deferred interest if I was unable to clear the entire balance.

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 2018-08-26
Company: Experian Information Solutions 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:
I have been working on my credit for 6 years and trying to do the right thing.I have settled accounts with lenders to satisfy them but my credit report and score is suffering from it.It still shows accounts being potentially negative which shouldn't be because I have done everything possible to keep all creditors happy.These potentially negative remarks should.be removed.Please help as I just apply ed for a home equity line of credit.Thank you.

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 2019-02-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive been trying to submit an online credit report dispute to Equifax and XXXX for over a month and have gotten multiple technical difficulty notices on both websites one month ago and again today. Ive tried calling both agencies then and today, and have been told that their server is down or that they are closed. Ive even seen a notice that my information is wrong and they arent able to find my credit report when I got reports from BOTH of these agencies in mid XXXX. I was able to contact XXXX last month and theyve already corrected the erroneous late payment note on my report which immediately got my credit score over 700! Im trying to refinance my house and the credit scores from Equifax and XXXX are killing my chances of even getting a loan, much less getting a decent rate. PLEASE contact those folks and tell them to quit blockading their website in order to avoid doing their job!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery is reporting a tradeline from a XXXX  account that does to belong to me. I have send the credit bureaus a copy of my FTC Identity theft report and police report over two months ago and somehow the credit bureaus are still allowed to report this. I Find this highly illegal and unfair. I have enclosed a copy of my FTC report and police report once again. Please delete this from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I used PayPal to get my stimulus check deposited and followed the steps to get it all done and was scheduled for a deposit on XX/XX/XXXX and contacted customer service about it and they kept telling me the same generic resposes even when giving them a trace id they still continued to give me the same response. I called the irs and told me they rejected the deposit and will mail a check but to see if they released the funds back so we could issue a check but no help. They continued to say the 3 to 5 bussines days and we can't help. I even called the customer service at PayPal and they are closed. I am so sick from all this and trying to come up with rent and bills I'm wishing I just used XXXX XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Months ago I disputed the following accounts in Hope 's that the credit agencies would of did the right thing by deleting them. However this will be my 2nd attempt to obtain the Method Of Verification for the following accounts if not please block the accounts from my credit report as stated within the laws of the FCRA. The 2 accounts are ( 1 ) XXXX XXXX XXXX, ( 2 ) 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 non-monetary relief
Consumer complaint received 2019-02-10
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: Their investigation did not fix an error on your report

Complaint:
Months ago I disputed the following accounts in Hope 's that the credit agencies would of did the right thing by deleting them. However this will be my 2nd attempt to obtain the Method Of Verification for the following accounts if not please block the accounts from my credit report as stated within the laws of the FCRA. The 2 accounts are ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive been trying to submit an online credit report dispute to XXXX and TransUnion for over a month and have gotten multiple technical difficulty notices on both websites one month ago and again today. Ive tried calling both agencies then and today, and have been told that their server is down or that they are closed. Ive even seen a notice that my information is wrong and they arent able to find my credit report when I got reports from BOTH of these agencies in mid XXXX. I was able to contact XXXX last month and theyve already corrected the erroneous late payment note on my report which immediately got my credit score over 700! Im trying to refinance my house and the credit scores from XXXX and TransUnion are killing my chances of even getting a loan, much less getting a decent rate. PLEASE contact those folks and tell them to quit blockading their website in order to avoid doing their job!

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 2019-02-10
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am disappointed that because of a negative $ XXXX on my SunTrust Checking and savings account were closed. 
I understand that account in the minus longer then 60 days have the account closed. I love SunTrust and wish to remain a customer by having my federal tax refund direct deposited into the reopened account which can repay your company for the loss. Your bank is the best I have ever had. I wish to resolve this. 

Unfortunately I have called and called your support lines and been given multiple answers. I wish to know which one is correct. 


Can I re-open my previous account Please? I wish to repay the {$13.00} debt. 
I will have my Federal tax return direct deposited into my account. 
If so ill need a new debit card sent to me as I have lost the other. 

If the same account can not be reopened can I create another checking account and resolve the debt still? 

I didn't receive any notice when my account was closed. No email when it was in the negative. 
I have tried responding to the secured emails that I have but I do not get a response. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Complete Credit Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is related to existing complaint # XXXX, and its a revision to complaint # XXXX. Complete credit solutions outsourced a debt collection to XXXX XXXX XXXX XXXX on their behalf, I attached the original collection letter that was dated XX/XX/XXXX. 

I have listed the 3 problems below!

1. As you can see in the letter it has complete credit solutions listed as the current creditor. Complete credit solutions has never lended me credit, they are a debt collector not a credit lender.

2. I have attached the debt verification letter that I sent back to XXXX XXXX XXXX XXXX and Complete credit solutions on XX/XX/XXXX. NO VERIFICATION WAS EVER COMPLETED OR SENT by either company which is documented in the original complaint # XXXX. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) clearly states after ignoring a written request to verify the debt which they have 30 days, they can no longer continue to try and collect on that debt.

3. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) also states after receiving a written dispute the collector must stop collecting on the debt until verification is received. Complete credit solutions also violated this act by reporting a negative debt on my credit reports on XX/XX/XXXX. 

I spoke with a woman this morning XX/XX/XXXX from complete credit solutions via phone call. She confirmed that they were using XXXX XXXX XXXX XXXX to collect this alleged debt for them, this means the same rules and timeline that apply to XXXX XXXX XXXX also apply to complete credit solutions. XXXX XXXX XXXX XXXX has still yet to respond to CFPB complaint XXXX regarding this matter, which they are legally obligated to. Complete credit solutions and their hired partner XXXX XXXX XXXX XXXX have broken multiple rules and are continuing to act as if they are immune to the law.

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 2018-07-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
repeated phone calls by computer. I would answer phone and no one would be on the line, I would have phone calls in my voicemail that no one left a message. All the calls were identified by my caller ID so I know what one 's were from the same company. after a month or 2 of this I received a letter demanding payment for a debt I didn't owe. The next time the number showed up I would answer and no one would answer when I answer the phone finally today I just stayed on the line until someone finally came on it took a while but after getting company online they said I owed money to it was confirmed that I didn't owe any money. I felt harassed by their computer calls that I kept answering when there was no one on the phone or no message on my voicemail. This could have been solved with the first call if it had been a person calling me and not a computer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received an unsolicited, pre-approval notice from XXXX XXXX that I could get a loan from One Main Financial. I was glad to know that since I had a discharged bankruptcy on my credit report history as recent as XX/XX/XXXX. Since that bankruptcy, I have taken out one installment loan with my bank and have opened 4 credit card accounts, ( all in good standing ). So I applied for XXXX dollar, 24 month term loan, and I got a approval notice by email. The reason I applied for the loan was to have a diverse amount of credit history, so as to re-establish my credit history since the bankruptcy discharge. I spoke with credit manager at the local branch about my approval letter and according to her everything was alright, but she was rude and quite unbusiness like, after our heated discussion, I got a letter from the main office in Indiana stating my loan was denied, without stating any specific reason ( s ), even though it was approved, ( I have screen shot of approval notice ). My credit score went from a low of XXXX to a high of XXXX ( XXXX ), ( XXXX XXXX ), ( XXXX, XXXX ). Now, as a result of one main financial pulling a credit report, my credit score went down three points, thus making any future approval for loans from other potential lenders, possibly hard to get, that enquiry will be on my credit report for 2 years, thus making any possible future loans hard to get. I think it is bad business and very bad for the consumer when something like that happens, it hurts the consumer. My loan should had went through but because of the branch managers bad attitude, I did not get the loan I was pre-approved and qualified for. Reference number, XXXX, letter dated, XXXX XXXX, XXXX. I uploaded per their request, all documentation that was required, and my credit report has nothing negative showing on it but a discharged bankruptcy dating back to XXXX. I work and have a steady income, so there is no reason why I shouldn't get the loan I was approved for. Also the manager at one main financial in XXXX, Ms where I was suppose to sign for the loan, told me on the phone that since the bankruptcy had been discharged, that would have no negative affect on my approval status, also, she said that my credit score was within the range of being approved for the small, unsecured loan. But because she developed a attitude ( bad for business ), my loan appearantly was changed from being approved to denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is to XXXX, TransUnion, XXXX. They claim they verified all information with furnisher who is XXXX XXXX. I call about complaint because CFPB said they needed more information. Called XXXX the person on the phone couldn't find any info on complaint as per XXXX,. I gave them this number and they pretended to not know what i was talking about.

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 2017-12-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The car was returned on XX/XX/XXXX and the last payment on the lease through XXXX or XXXX XXXX was made on XX/XX/XXXX and the receipt along with the California DMV are attached to this showing the last payment made on XX/XX/XXXX and the car changed title on XX/XX/XXXX. the account number is XXXX with XXXX XXXX XXXX and my name is XXXX XXXX XXXX. 
So first the account needs to show closed on XX/XX/XXXX and secondly there ca n't be a past due at all for XX/XX/XXXX as all of the lease payments were made prior to lease end  on XX/XX/XXXX. 
They are trying to show a late for {$36.00} for something that is not a payment but a milage assessment that was done after the car was submitted and we did n't even get the bill for the difference until well after so the late needs to be removed for XX/XX/XXXX. 
XXXX/XXXX when I spoke with them told me that they were sending a letter to the bureaus to remove the late which was incorrect in XX/XX/XXXX but that still has n't happened, and they would not provide me a letter. 

Trying to get a re-fi and this false late is causing problems, and XXXX/XXXX needs to get this removed now from all 3 bureaus for XX/XX/XXXX and I was never late on the account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I started my repayment in XXXX with FedLoan Servicing under the Pay As You Earn program. Everything was fine until XXXX when I was making {$75.00} a month payments and I had just one job. I took out a mortgage loan and my lender gave me {$42000.00} to purchase my home under the assumption I was paying {$75.00} a month for my loan. I started working more jobs and my payments increased. I informed them several times of this issue. Last month my loan was transferred to XXXX along with {$20000.00} in charges and interest buildup that occurred while I was with XXXX. I informed XXXX of the mortgage issue and the fact that XXXX fraudulently took money and transferred my loans to XXXX. I actually owe {$80000.00}, but XXXX received {$100000.00} in loans during the transfer. I want to sue XXXX for fraudulently charging me and transferring my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i this XXXX XXXX XXXXSynchrony Bank, and i have been add a higth interes every mont plus a CARD SECURITY XXXX wich i recuest too cancel for aboutj 7 monts a ready and never was cancel..because this has misleading information and you never get this aprove. for the XX/XX/2019 i have a INTEREST CHARGE ON PURCHASES XXXX, this is every mont plus the XXXX wich make the account higth on top even with not balance left..so the account is XXXX because all this fees a account security card services is hgth avero mont to is liek making this chrages on top of a empty account create by this same charges ... can beleve this. i have been charge more tham XXXX dollars on fee, interes, on topo every mont..create by this same fees and inter over balance use..this is not rigth. 

Look so you guys have a idea : {$2100.00} XXXX, Current Balance. 

$ XXXX, Available to Spend {$1700.00} Limit.

{$6800.00} Minimum Payment Due. 

fees : Statement Month XX/XX/2019 Statement XX/XX/2019 CARD SECURITY XXXX XXXX XXXX XXXX XXXX XX/XX/2019 INTEREST CHARGE ON PURCHASES XXXX XX/XX/2019 AUTOMATIC PAYMENT - THANK YOU 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 2019-02-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
EQUIFAX employees often live in other countries who don't even speak clear English. And, I XXXX XXXX was told to do an online dispute by one of them.I called twice and was told the same thing by a non-us customer service rep, whom did't speak clear English. So I filed an online dispute, only to discover when I answered all the security questions properly, I got an error message, which is attached. It is EQUIFAX fiduciary duty to not lead a consumer astray. Also, per XXXX  vs FTC no credit bureau can place the below financial and personal information within my credit report. 

XXXX XXXX v FTC United States Court of Appeals FOR THE DISTRICT OF COLUMBIA   CIRCUIT Argued XX/XX/2002 Decided XX/XX/2002 No. XXXX XXXX XXXX XXXX, Appellant v. 
Federal Trade Commission, et al., Appellees Appeal from the United States District Court for the District of Columbia ( No. XXXX ) 6. The regulation provides the following examples of PIFI : ( A ) Information a consumer provides to you on an applica- tion to obtain a loan, credit card, or other financial product or service ; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that an individual is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about your consumer if it is disclosed in a manner that indicates that the individual is or has been your consumer ; ( E ) Any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collect- ing on, or servicing, a credit account ; ( F ) Any information you collect through an Internet " cookie '' ( an information collecting device from a web server ) ; and ( G ) Information from a consumer report Penalties and Liabilities, Sections 616, 617, and 619 ( 15 U.S.C. 1681n, 1681o, 1681q ) Credit unions may be liable for willful noncompliance or negligent I was  attempting to dispute the following account : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: MI
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:
This account was paid in full XX/XX/2019. Yet it was reported to Equifax as an unpaid account after XX/XX/2019.

Company response to consumer: Closed with explanation