BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-07
Company: SYNCHRONY FINANCIAL
State: NJ
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:
In order to prevent any deception, misrepresentation, or concealment, we are requesting that you forward the portion of the original promissory note agreement with these six ( 6 ) elements to satisfy and complete : A. Adequate Assurance of Due Performance B. That the proper party is to be repaid their money C. That a theft of any party has not occurred D. That my client was provided, Full Disclosure, Adequate Consideration, and a Mutual Understanding of all material facts in the original transaction if you can not or refuse to provide the portion of the original promissory note ( s ) agreement ( s ) with these six ( 6 ) elements within thirty-days ( 30 ), please explain why.

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 2020-02-12
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I paid my account down to a {$0.00} Balance. The account was a secured card account. On XX/XX/2020 I received a notice from XXXX  that Discover wanted me to consent to receive information from the IRS to verify information on my secured credit card account. The notice from XXXX  claims that my account with Discover Card would be closed in 14 days if I did not consent to the request to fill out IRS form 4506-T. I complied and filled out the form. I then attempted to use my card and it was blocked by Discover, I was not informed of this until I called them. I was informed that I had to wait up to 10 business days for the IRS to get back to Discover Card Before I could use my card. I was then blocked from accessing the account online. I needed a letter from Discover to give to my mortgage lender to confirm that the account was in fact paid to {$0.00} and Discover claimed that they were unable to provide me any information on the account until the IRS issues were resolved. Then after a second call to them and speaking with a manager I was told that they had to get a special department to lift the block temporarily so that a letter could be sent to me for my mortgage company. Then at XXXX XXXX on XX/XX/2020 I received an email from Discover that my account was closed because they were unable to verify information on my account. I called them and they blatantly refused to give me any information and specifically stated that the letter is the most information they can provide to me and they would not under any circumstances tel me what reasons or why specifically my account was closed. They denied me the secured credit card that I had for a few months and did not want to provide a reason. They promised to tell the credit reporting agencies that the account had been closed. I feel they discriminated and that their action amount to a sabotage of my credit rating that I diligently worked hard to obtain and they held the account from me with a {$700.00} secured deposit for reasons that they refused to tell me. Their actions are unfair, unreasonable and repulsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed disputes with the all three credit bureaus and I haven't received anything from them. This shouldn't take more then the 30 days required for them to reply to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: EQUIFAX, INC.
State: CA
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:
I can not find a way to contact Equifax to access my online credit report and dispute a claim. Through XXXX XXXX, I have a claim that is my fathers debt, not mine. I can not access an online portal because they claim i tried to get a credit card in the past that i never tried to get. My complaint is their ineffective website and its lack of ability to assist my needs. I just want to be able to access my free report and dispute he claim. I can not do this because I am being accused of attempting a credit card and auto lease that I never signed up for ( identity theft ). I do not know the company these claims attempted to go through because i did not do it myself. I need a way to contact them and their customer service failed to assist me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I believe that FedLoan Servicing ( Pennsylvania Higher Education Assistance Agency ) is unintentionally mis-reporting tax information for annual student loan interest payments for a calendar year to the IRS. I receive a document stating how much interest on my student loans is paid each calendar year in XXXX for the previous year. The numbers provided on these statements to me, the consumer, do not match the interest loan payments I made for the life of my loans, nor to the calendar year which FedLoan appears to be reporting on. 

In addition to this, account information is not directly accessible via their website after student loans are paid, they must be manually requested by the consumer from their support department, as they block access to the " Account Access '' portion of their website once all your loans are paid. When I received a copy of my student loan payments for the life of my loan ( FedLoan serviced my loans for at least the entirety of my repayment period ), I did a complete reconciliation of every payment, along with principal, interest amount, and residual balance after payment, from my personal records to the records FedLoan supplied, and my personal records were perfect. As a note, my loans are completely paid off, so I do know the absolute total amount of interest I have paid across each of my 4 loans, as well as in total ; see below. 

The meat of the problem lies here - FedLoan reported to the IRS that in XXXX I made student loan interest payments totaling {$140.00}, and in XXXX I made interest payments totaling {$510.00}. I do not have a statement for XXXX, and will not until XX/XX/XXXX. That being said, my personal records and the records provided directly to me by FedLoan state that my total interest payments for the LIFE of my four loans, across all loans, is {$540.00} in aggregate. This number, the true interest payment total for the life of my loans, is significantly lower than the total {$660.00} that FedLoan has reported to the IRS for the XXXX and XXXX calendar/fiscal years. 

FedLoan ( Pennsylvania Higher Education Assistance Agency ) has mis-reported my total student loan interest payments to the IRS, which affects the true deduction amounts that the IRS is expecting me to take on my tax returns each year. Please reach out to me for any clarifications or identifying information in order to validate these statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
goldman sachs opened XX/XX/2017 remarks charged off as bad debt balance {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Withdrew Funds, Balance was not Reflected in Bank Account, although funds withdrawal show up as completed on platform. On XX/XX/XXXX XXXX XXXX. 
Amount is {$11000.00} Contacted support on XX/XX/XXXX XXXX, Case ID XXXX on platform. 

Response on XX/XX/XXXX XXXX. 

Hi XXXX, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 



No response since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ATTN TSI THE FOLLOWING DOCUMENT WILL PROVIDE PROOF THAT PAYMENTS HAVE BEEN MADE EACH MONTH TO XXXX XXXX XXXX  XXXX. THE BALANCE IN WHICH YOU HAVE IS NOT REFLECTED ON THE STATEMENT THAT XXXX  XXXX  HAS SENT ME NOR THE ADDITIONAL CHARGE YOU STATED THAT SHOULD HAVE BEEN APPLIED IN THE AMOUNT OF XXXX OR XXXX. EITHER BALANCE OR CHARGE IS NOT ON ANY STATEMENT THEY HAVE SENT. YOUR ADDRESS AND PHONE NUMBER IS ALL THAT IS PRESENT. THEY ALSO SENT A STATEMENT INDICATING THEY HAVE NEVER BEEN PAID TO MY UNIT WHICH IS SLANDER AND DEFAMATION OF CHARACTER. THESE ACCUSATIONS WHERE FALSE. I WOULD LIKE A LETTER OF APOLOGY FOR THE FALSE CHARGES AND STATEMENTS FROM WITH ORGANIZATION WITH THIS CARD BEING SOLEY IN YOUR POSSESSION AND I PAY YOU OR THEM NOT BOTH WHERE TWO CHARGES THAT ARE BEING APPLIED AND THE PAYMENTS ARE NOT BEING REPORTED ACCURATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a loan modification without the borrower signing any of the request for the loan Modification. after paying three months trial period. I received paperwork from Penny Mac! requesting for the borrower to sign the final mod documents. The borrower did a quick claim deed to me which I 'm the co-borrower as he was no longer interested in the property. I asked my mortgage company if there was a way I could get all docs signed without borrower due to the quick claim deed. They advised that he had to sign the documents or they could n't go through with the Modification. My home is now in foreclosure sale date is set for XXXX/XXXX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My existing loan got sold to The Money Source. My monthly payment was {$1500.00} The statement said {$1600.00}. I called in and spent a lot of time on the phone fixing their error, on a loan company that I was forced to use since they purchased my loan. The customer service gal said that she sees the error, and put in a request to fix it, and it will be corrected by XX/XX/31. She also said not to pay my monthly mortgage, that was due XXXX. They were supposed to get back to me XX/XX/31, I emailed them XXXX, they emailed me back and said to call in. I do not have time to keep calling and obviously my call in the past did nothing. I am pre approved with another residential lender for a new primary residence, and also commercial loan for apartment building purchase. If The Money Source is responsible for a negative report to the credit bureau, after they are in error and on a recorded line told me not to pay until this gets resolved, we are going to have an issue. I want this corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I closed on my house and received the equity check of XXXX from the title company. The check was deposited into an existing checking account at fifth third bank in XXXX Indiana at the XXXX. The check cleared two days later but the manager refuses to release the funds and refuses to pay interest for the days they are fraudulently holding the whole check. She is acting in a vindictive way. I tried to complain to other managers but its late on Friday. Ill definitely try again Monday but need help in getting my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Santander Consumer USA Holdings Inc.
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a new XXXX XXXX XXXX from XXXX XXXX in XXXX MT. I put {$20000.00} down & because I live a responsible life, I have not borrowed anything in many years. My credit score was XXXX w no history. They approved me @ 16 %. I agreed knowing I needed a few weeks to get the $ to pay the loan off. The 1st pymnt coupon was sent w the wrong address, but eventually making it. 
The pymnt is due XX/XX/2020 for {$610.00}, the principal balance was {$28000.00} & as of this statement dated XX/XX/2020 the payoff was {$28000.00}. 

I called today XX/XX/2020, was told the payoff was {$28000.00}. 

That is {$680.00} in interest before the 1st paymnt due date & {$480.00} over the statement amounts. I called the finance dept @ XXXX 3 times & a sales manager, waited on hold 15 minutes w no answer. Contacted my salesman, promising me a return call from a manager w no call yet. 

I called Chrysler Capital asking for a detailed breakdown & they were unable to provide. Please help. My account # at Chrysler is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 Convergent Outsourcing called me 2 times, both times I asked them to never call me again. They are trying to collect a debt on behalf of XXXX in which the Company I worked for cancelled the credit card. This debt was incurred by XXXX XXXX, not myself. 

On XX/XX/2021 Convergent Outsourcing called me at XXXX XXXX  cst I once again told them to stop calling me and said I needed to call 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 2020-02-12
Company: AMERICAN HONDA FINANCE CORP
State: NC
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:
I brought a XXXX  XXXX XXXX in XX/XX/2018 in the state of XXXX  XXXX. I moved to XXXX  last XXXX and I did a change of address threw the postal service however Honda failed to mail me my bill statements the last payment I made was in XXXX on XX/XX/XXXX my car was repossessed at my XXXX  address that Honda Financial failed to sent my payments to. So the guy whom repossessed my car told me all I had to Do was pay the months I was behind and will receive my car back. So the next day I called them to pay the two months I was past due and they informed me that I had to the pay the entire loan off before I can get my car back her name was XXXX and yet she was rude, and unprofessional.She even hung up in my face so I spoke with a supervisor by the name of XXXX who made me send in tons of paperwork to prove that I was capable of paying the car payment and also he was supposed to be seeing if Honda would release the car back to me if I paid my past due amount. So he never called me back so I called him Monday to see what they said and he stated to me that at this time Honda decide not to give you the car back so only option I had was to refinance it so me and mother called over 10 people to get the car refinance and every lender stayed that Honda over charged us for the car and the car is not worth XXXX its only worth XXXX.Soon as me and mother found a lender to refinance the car Honda financial report to the credit breau that the car was repossessed making it hard for me to refinance the car.For one they wrongly repossessed my car and didnt give me no notice or nothing they all were rude but XXXX and they over price a car thats not worth what they are saying its worth and they will not allow me to get my personal property out the car or get my personal tags off the car. Honda financial is a scam and I advice NO ONE to finance a car threw them. They are unfair to consumers and cheat there consumers. This just aint with me its all there consumers go yelp and read there reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XXXX XX/XX/2021, I checked my credit report and noticed that XXXX hadn't updated my student loan information since XXXX XX/XX/2021. I paid the loan in full on XXXX XX/XX/2021. Since XXXX hadn't updated my credit report since XXXX XXXX, I disputed the information ( loan balance ) on XXXX XX/XX/2021. On XXXX XX/XX/2021, even though the loan had been paid in full, XXXX refused to update and give accurate information with the rationale that they weren't required to do so until the end of the month instead of accurately and truthfully answering a consumer credit dispute with accurate information. 

I have attempted to rectify this situation to no avail.

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 2018-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or around XX/XX/XXXX I engaged in a transaction for the amount of {$360.00} USD to purchase clothing from XXXX XXXX. I received the package on or around the XXXX day of XXXX, XXXX. When I received the package, it was empty. There was no merchandise of value whatsoever inside the package. I contacted the merchant, XXXX XXXX who said they were unable to issue a refund. At that point, I filed a dispute with capital one online. I was issued a credit by capital one on or around the XXXX day of XXXX, XXXX. I was not given any update on the dispute by mail or electronic notification. I was never asked for more information from Capital One. With this being said, on or around the XXXX day of XXXX XXXX, capital one reversed the credit without explanation. On or around the XXXX day of XXXX, XXXX I spoke with 4 different individuals at capital one, to wit the final individual disconnected the phone without giving me a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: CORELOGIC 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:
I recently applied for a credit card backed by XXXX XXXX. I noticed they pulled my XXXX  credit as well as XXXX. I thought it was odd but didn't realize how they obtained my XXXX  data until XX/XX/2020 when I pulled my free annual XXXX  report. At the bottom of the XXXX   report there is a section for Third Party Supplemental Information. There is data from 3 companies listed : XXXX, CoreLogic and XXXX XXXX XXXX XXXX. These 3 companies have nothing to do with credit cards and loans. Further they are not used in computing my FICO or XXXX credits scores. They have no bearing on my credit information, hence the reason for my complaint today. Please do everything within your power to advocate for myself or anyone else experiencing this problem with XXXX, and get XXXX  to stop reporting this data about me or anyone else. I'm sure most people do not even realize XXXX is selling this data about us.

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 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/2020, I contacted TransUnion regarding 12 unauthorized inquires on my credit report. I had been car shopping and authorized a dealer to do a " soft pull '' on my three credit reports. Instead, not only did they do a " hard pull '' themselves, they sent my personal information ( without my verbal or written consent ) to a number of third party financing companies. The car dealer said I would have to contact the credit bureaus : they could not remove the inquires. While I had not problem contacting XXXX  and XXXX and having the unauthorized inquiries removed, TransUnion 's response was that they did not conduct inquiry disputes and that I would have to contact each third party creditor directly to have them remove the inquires. One by one I contacted the creditors : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. and each time I was told by the representatives of the respective creditor I contacted that they could not remove the inquiry and that I needed to dispute it with the credit bureau ( TransUnion ) to resolve the issue/have the inquiry removed. Again, I contacted TransUnion on XX/XX/2020 and explained to the new representative to whom I was speaking that the creditors are telling me that I have to file a dispute with them. Again I was told they do not dispute inquires, but then was told to write them a letter in regards to what I was disputing. I asked if I could fax the letter to them, for expedience sake, and was told they no longer allow disputes by fax. My concern is, that after sending and them receiving the inquiry disputes, is that they will not act on them as they are legally required to given the fact that they are now telling consumers ( I have read other reviews on complaint boards ) that they do not dispute inquires. Considering each inquiry can lower your creditor score by 2 points or more, and a high number of inquires can cause a denial for credit on its own ( even with a good credit score ), TransUnion 's position is causing serious potential financial hardship to people who are trying to improve or maintain their financial status.

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