BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-19
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:
XXXX XXXX XXXX acquired my second mortgage from XXXX and never notified me of the acquisition resulting in 60 day late payment. They claim to have sent a notification mail to my physical address but this was never received. I also confirmed later that they had two phone numbers and an email address that were still active options to contact me. XXXX XXXX XXXXXXXX made no attempt. This account is 10 years old and has never had a late payment despite being transferred 3 times to other mortgage companies previously. This was negligence by XXXX XXXX XXXX and should not be on my credit report. This is an extremely systematic and unfair reporting practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: AMCOL Systems, Inc.
State: DE
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:
I was in an auto accident that required medical treatment : PA Law e Pennsylvania Motor Vehicle Financial Responsibility Law, 75PA C.S. l797 ( b ) ( 7 ). is to protect the US consumer that these companies refuse to adhere to Pa law so they are breaking the Law and refuse to update, correct or even have the correct amount of debt listen, seems they inflate the amounts and refuse to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I went into Synovus Bank in XXXX, Ga and talked to XXXX XXXX. I had an automatic draft coming out of my account from XXXX XXXX XXXX on the XXXX of every month. I advised her that I need to stop payment on this company in the amount of XXXX. She did the paper work to stop the payment on that company. I paid the necessary fee to stop the payment and come to find out it was never stopped. I was recently informed by another home security company that the money was still being taken out and that what lead me to call the home office of the the bank. Upon talking to a representative in the home office of synovus bank, I was told that XXXX XXXX put in the wrong stop payment number and that is why it never stopped. This went on from XX/XX/XXXX to XX/XX/XXXX. The bank is telling me that they will not pay me all of my money back for their mistake and that I was responsible for checking my statements. They have agreed to only pay me 6 month of back pay when they owe me for 13 months. This clearly is a mistake on their end and I feel like its their responsibility to clear it up. I did everything on my end to stop the payment and I feel like I should not have to suffer from the loss of their mistake. Please help me to resolve this issue.. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX account on my credit report is in a class action law suit with XXXX XXXX were they messed up auto loan account because they charged for insurance I already had resulting in wrongful reposesion, and charge off on my credit for {$8900.00}. should have been removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: BARCLAYS BANK DELAWARE
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:
I applied for the XXXX XXXX issued by Barclays on XXXX/XXXX/XXXX at about XXXX XXXX XXXX. I was not instantaneously approved for the card, so I called XXXX at about XXXX XXXX XXXX to find out about the status of my application. I spoke with a representative who told me that in order for Barclays to process my application, I would have to send to Barclays through the mail a copy of my drivers ' license, a copy of my social security card, and a copy of one of my utility bills. In this age of identity theft, I have never heard of anything so absurd as a request to send all of my personal identifying information in one envelope to some random P.O. Box through the mail leaving me with no confidence that my information is secure!!!. XXXX knows what would happen to those copies once dropped into the mailbox! My girlfriend experienced the same issue when applying for the XXXX XXXX and, after asking to speak with a supervisor, was able to confirm her identity with Barclays by answering the questions the supervisor asked based on information in her credit report. That supervisor also told my girlfriend that sometimes Barclays will verify a customer 's identify by sending a code via text to the customer 's cell phone. When I asked for the same courtesy, the supervisor I spoke with insisted that I must send my identifying information to Barclays via mail or fax. As far as I am concerned, this should be illegal. There are many far better ways to verify my identity than to ask me to expose myself to identify theft. A COPY OF MY SOCIAL SECURITY CARD TOGETHER WITH MY LICENSE??? THROUGH THE MAIL??? ARE YOU SERIOUS??? Are Barclays executives prepared to answer to Congress to explain how this method for verifying customer information is secure???

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 2019-10-03
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have only been with NEW REZ for a couple months ( not by choice ). My loan was sold off. I went online to pay my mortgage ( never getting proper notice in the mail of any issues ) and my payment was increased by {$90.00} a month ( almost 1100 for the year ). Now I am a XXXX XXXX that does A LOT of business so I am very familiar with what can and cant take place. I called and requested someone to re look at it on the XXXX of XXXX That woman said my summer taxes increased by almost {$800.00} for the year ( untrue ). In the meantime, I went to my city and my taxes had extremely small increases and should have never made a difference since I paid an extra {$20.00} in my escrow 4 or 5 times and this company received my loan with a cushion. I called today again to get an update and was told the company decided I didn't need to have a second look. I thought that was extremely unprofessional especially by a company that never notified me with options. The first woman I spoke to was rude and wouldn't give me my next step ( actually told me to go back down to the city and send them the info as if that is MY JOB. I asked to speak to a supervisor who tried telling me that my summer taxes were 2700 something which is a BIG jump from last years XXXX ( she was comparing summer to winter ) and when I corrected her she started to back track. She then stated that NEW REZ has a different requirement for escrow cushions. I said " well we are now on reason 3 that doesn't make sense to an experienced XXXX  so can I have someone call me, I really think this needs a second look. {$1100.00} for the year is ALOT of money to be short on a loan I just refinanced 12 months ago with the proper info. No sale or purchase has been made. She decided to become rude as well. I am now looking into refinancing just because my impression of the people in charge of the roof over my head isn't starting off as a good one. I do not trust this wont happen again and if I cant even get the correct answers or clarification than I feel sorry for the customers that do not have a XXXX or XXXX XXXX   background. Something not right is going on here and I need to know what that is right away. I will make sure I no longer do business with ANY mortgage lender that allows NEW REZ to purchase loans and I absolutely will not have XXXX XXXX do business with NEW REZ.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX,2016 XXXX XXXX XXXX placed a collection on my credit report for {$2800.00} AND I DONT KNOW WHAT FOR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has refused to send me the requested documents and there has been a security breach in their system Please be advised that pursuant to Section 615 ( b ) of the Fair Credit Reporting Act I am entitled to request, and I hereby do so, full disclosure of the factual information disclosed to you by persons other than Consumer Reporting Agencies, so that I may refute, challenge or dispute its accuracy. The validation system ( XXXX ) does not do a lawful validation and verification. I request that a human validate my dispute under the penalty of perjury. 

I demand copies of every document that your agents use to validate the following collections that are reporting on my credit file without my authorization. I did not and do not give any of the following collection companies permission to have my personal information in their database. I do not give them permission to communicate with your company as a third party. I demand that your company destroy all information you have received from the following collection agencies unless you have an written authorization bearing my signature. Which I am requesting a physical copy of in this authorization. Which your company is required to have in your file. 

To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX XXXX XXXX. App. LEXIS 509. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is  validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Method of collecting the debt. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
Syncb is showing up on XXXX XXXX from a transaction Ive never initiated or had any knowledge of. The Hard inquiry date was XX/XX/2019. I need help getting this removed from my credit report please. XXXX XXXX says to contact the company and I cant find the information online.

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 2019-10-03
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX a collections representative contacted me to collect past due payment on my car loan. After I tried to set up arrangements I was told on each call that I need to make a full payment or they can't guarantee the safety of my vehicle. On the call today XX/XX/XXXX I was told my car will be repossessed if I didn't make a full payment. My vehicle isn't even in the department that handles repossessions nor do the Representatives that I spoke with have the authority to issues a repo. Blatant violation of fdcpa regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: EQUIFAX, INC.
State: SC
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 have been speaking to different representatives for over 2 month because of fraudulent inquires on my credit report and they refuse to delete the inquires off of my report because they don't belong to me. I have been going through this for the longest and it is a shame that you have to go through so much just for something that they allowed to happen to your report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a situation with a harassing collector with verification of validation letters, and I am still investigating why they are wanting to collect on a debt that exceeds the amount and the time of the statues of limitation in my state of NJ. 

My finances went out of control, and I have the reason to believe based on collectors standards, any debt charged off from the original institution, is sold pennies on a dollar. 

So if in any case I should pay, it should be above the amount purchased enough for them to attain a fair profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: ENOVA INTERNATIONAL, INC.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Around XXXX of 2018 I took out a loan for the amount of XXXX with cash net. I successfully paid 2 payments of XXXX each. I did online chat asking to change the amount or a different day and the first time they did the second time they did not and did not care j was struggling. When I filed a complaint with the consumer financial protection bureau they claimed that I never talked to them and that I was avoiding them and that I owe everything that they say I owe and they were not going to work with me at all. I've been struggling to make payments for everything it's now between food on the table or paying a payday loan or paying for my car insurance or my cell phone bill my family is most important to me. I would like to get this taken care of as soon as possible so it doesn't cost me any extra money and it doesn't cost the company any extra money. have not been contacted by them through any type of email or text messaging they may have called but have not left messages and if they have left messages it's a recording and it gets cut off. They currently are saying I owe them XXXX which would have been the amount paid back in full in one payment for the amount borrowed so I do not owe them {$930.00} that is absurd. I should have maybe {$370.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Regional Management Corporation
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I received calls from XXXX twice within 10min.  They claim they are Regions Financial collecting on an account for a company called XXXX XXXX. I have never heard of this company nor have I ever purchased furniture on time. They asked for my SS #. I would not give it & they actually read off the SS # attached to the account they were referring to! When I stated that was not my SS # or  my address that they gave, I was threatened that the police would be contacted. I told them, Please do. I do not even live in the city of the address they gave.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
the bank withdraw funds from my account but did not provided any information or description to me about the withdrawal. the statement shows withdrawal but i never withdraw those funds. second transaction shows online dispute but i have not received any information regarding any dispute. bank failed to protect my funds and provided no documents regarding any disputes and withdrawals. 

XX/XX/XXXX Withdrawal XXXX XX/XX/XXXX Reverse Credit Due To Online Dispute XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Credit Services Corporation, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I Took a {$7500.00} loan in my name from Health Credit Services XX/XX/XXXX for dental work to be done for my husband by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Loan was for completion and balances that were originally began XX/XX/XXXX. The dental work agreement for services was never completed. the agreement was XXXX XXXX, 4-6 XXXX to replace XXXX XXXX, extraction of XXXX # 15, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   # 2- # 14, XXXX XXXX, 2-3 XXXX XXXX XXXX to replace XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX. Total amount balance at time XX/XX/XXXX XXXX was {$15000.00} of which cash of {$7500.00} was paid. On XX/XX/XXXX I took the above loan to pay the difference. The only work that was done through out 5 years was 6 XXXX  to replace XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # 15, 2 XXXX XXXX XXXX XXXX to replace XXXX XXXX My husband is walking around with XXXX XXXX XXXX XXXX, which continuesly fall off and parts have broken because they were to be temporary. He risks infections and XXXX XXXX plus he is not able to chew food properly and is having XXXX XXXX XXXX and XXXX. The dental office was closed XX/XX/XXXX by XXXX XXXX for non payment of rent. Loan payments are still being withdrawn from my bank account for services not rendered. I have spoken to Health Credit Services and they have agreed that XXXX XXXX XXXX is an associate and I also have sent a Dispute Resolution Liability Form to Health Credit Services on XX/XX/XXXX. I have no response from HCS. I've called several times to check updates, to be told that they don't have information for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of america wants me to verify dual citizenship in order to use online banking.I have been with bank of america for over 25 years and I feel the bank is trying to do the job of our immigration dept. they already have my social security number and phone number and address.

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 2016-07-16
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony Bank closed my account without notification with an available balance of {$240.00} without proper cause.

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 2019-10-03
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation