BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: SYNCHRONY FINANCIAL
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:
I have a loan with SYNCB/LOW, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SYNCB/LOW, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2021-09-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2011 with a balance of {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2018 I disputed an account with all three credit bureaus XXXX, XXXX, XXXX, All three credit bureaus stated the account was verified and accurate. The account is XXXX XXXX # XXXX. well I contacted the original creditor and they stated the account was sold to XXXX XXXX. well I sent a certified letter to XXXX XXXX to the address listed on my credit report. the letter was sent on XX/XX/2018 they received the letter on XX/XX/2018. the new owner of the account had 30 days to respond to the debt validation letter. well today is XX/XX/2018 and XXXX XXXX has yet to respond to my debt validation letter they have violated my rights under the FCRA and under the FDCPA by not responding to the certified letter. I will be getting a attorney this company don't cease and desist this account effort and stop reporting the negative information to the 3 credit bureau or I will be filing a suit for the violation. XXXX XXXX had 30 days to respond to my debt validation letter and they refused and failed to respond to my letter within 30 days.. I have attached a copy of the letter and a copy of the certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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:
I was approved for mortgage forebearance from Bank of America due to covid. They are reporting as in default and late on my credit reporting in violation of regulations. 

Account 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 2020-08-24
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a federally protected consumer and AFNI has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Even after the class action settlement, 5/3 bank is still participating in reordering of funds in order to maximize overdraft charges. On multiple separate occasions, I have been charged overdraft fees improperly! The two that I can recall occurring most recently are, XX/XX/XXXX, and XX/XX/XXXX. I have direct deposit from my employer going into my 5/3 account. According to the representatives that I spoke with, in both scenarios, my direct deposits were pending at XXXX. At the same day and time, charges began to pend on my account. Instead of releasing my direct deposit, 5/3 has continuously delayed this in an effort to charge overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Kriya Capital, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a dispute with XXXX XXXX XXXX about XXXX. I have a written renegotiation of my contract that XXXX defaulted on and turned off my service. I stopped paying and sent back their equipment. They turned the bogus collection over to Credence Resource Management and Credence sent me a letter. I sent Credence an email on XX/XX/XXXX, telling them that I did not owe them any money and I did not owe XXXX any money and informed them to NOT contact me again about this bogus claim. I received another letter dated XX/XX/2018 about the bogus debit. This is a clear violation of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: General Motors Financial Company, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I have had an ongoing issue with GM Financial during COVID about reporting erroneous information to the credit bureau ( s ) since they are aware of this disaster and GM told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. GM was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to GM. Therefore, GM has not received the payoff but were notified and has been updated again last week. GM ( AGAIN ) reported a late 30 day payment to XXXX and maybe XXXX and XXXX as well ( I will have to check ). They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit score again and this information is not reported correctly by FDCPA  standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
They are giving our account to a company named XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX, for servicing. This company is being sued by so many people because they are ruining their credit and everything else. I do not want this company servicing our account. We have filed a complaint here on XXXX XXXX, 2017have not heard from Bank Of America, and when I do speak to them they say that they can not stop this process.

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 2018-10-16
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX  charges a {$2.00} fee to make a payment online. That seems specifically targeting customers fee gouge vs. having a legitimate reason for the fee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a HSBC checking account that had a {$200.00} promo bonus advertised. I met all the terms and the promo was never credited. I contact the bank multiple times by secure email and chat. Each time they said they would look into it and I never heard anything back. Pathetic and unprofessional practices wasted a large amount of my time. They should be fined and/or sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had requested a copy of my personal information from " Equifax XXXX XXXX ''. I received a letter stating that I needed to provide " Proof of Identity '' and " Proof of Address ''.

I do not have any of the items listed under " Proof of Address '' but did submit a copy of my social security card and my valid drivers license, with my current address. 

I tried to call Equifax today but have spent over obe hour to no avail. One of the people I was transferred to admitted he was not located in the United States. 

HOW IS IT POSSIBLE THAT I CAN NOT GET A COPY OF MY OWN PRIVATE DATA BUT FOREIGN NATIONALS RESIDING OUTSIDE OF THE UNITED STATES CAN ACCESS MY INFORMATION. 

THIS BY A COMPANY THAT ALLOWED THE BIGGEST DATA BREACH IN HISTORY. 

I WANT MY INFORMATION AND I WANT TO KNOW EHO IT HAS BEEN PROVIDED TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
we have been making payments to the company and they are not crediting us for the account but still charging us financial charges and then refusing our payments and are not responding when we ask why, we have emailed and talked to them on the phone and still we get no place. its affecting our credit score and our bill goes up and they offer no line of credit, they our a company that bought the loan off contrywide home loans. and we never agreed to any terms or did the ever try contacting us. we are sending money to servicing and they accepted the first payment then refuse payments after that money sent to servicing on a weekly bases and they did accept and credit account then refused the other weekly payments this is not right please help as they are hurting our credit score and we are unable to refinance due to them

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 2020-07-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
MISSING INFORMATION I CANT DISPUTE WAS ISN'T THERE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In XX/XX/XXXX, I refinanced a loan with Mariner Finance, with a total amount due of approximately {$1800.00} for a term of 18 months. This past summer I began having financial difficulties due to budget cuts and reduced hours at my place of employment. I called Mariner Finance on more than one occasion to explain this to them. My last payment in the amount of roughly {$120.00} ( including fees to arrange payment over the phone ) was made in XX/XX/XXXX. According to my credit monitoring service, the loan is reported as 30-59 days late. Today, XX/XX/XXXX, I received a letter from a law firm ( dated XX/XX/XXXX ) stating that I was delinquent in my obligations vis-a-vis Mariner Finance and that if I did not pay the remaining balance of {$660.00} within fifteen days of the date of the letter, I would be immediately sued. I've never encountered a lender who files a lawsuit against a debtor when said debtor is 30 to 59 days late. This is an intimidation tactic that I feel is nothing short of harassment. The letter was a form letter and clearly a photocopy. Furthermore, the law firm did not provide a phone number, only a fax number. " Mariner Finance '' was printed on the bottom right side of the letter. I suspect that this is a fictional letter and nothing more than a scare tactic.

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 2021-10-31
Company: AMERICAN EXPRESS COMPANY
State: HI
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:
Periodic, {$5000.00} 2017 Unsure of loss as my business, finance, good faith, & credit was attacked financially by a felon named XXXX XXXX XXXX. 

American Express request to provide account records for forensic analysis referred to arsiwebpay.com & a phone number as follows XXXX by virtual voice which is suspicious. 

Account names XXXX XXXX XXXX Cell Phone Repair Requested complete record information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: U.S. BANCORP
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/18 we purchased a new vehicle and traded in a XXXX XXXX XXXX XXXX who's loan was managed by USBank. Dealership advised the check would be cut within 10 days. On XX/XX/XXXX I called USBank for a status update on the release of my loan and was told initially that the check had not arrived. I went back to the dealership who provided signed copies and signatures that in fact the check had arrived and was accepted. 

I called USBank back and was now told the check had been rejected for insufficient payment. I had a copy of the check and told the agent the amount which was over by around {$100.00} and was again told the amount was insufficient and to have the dealer reissue the check. They did so by overnighting another and gave me the tracking number. 

During this time they cashed the check and when it bounced charged the account fees for this. I called and complained and was told nothing they could do. 

I called back on XX/XX/XXXX to check status of check. Again was told they did not have it but that it can take up to 4 business days to close. I inquired about the payment due that day and cancelled the autopayment after learning of a 10 day grace period as this would be enough time for the loan to clear. 

Instead they cashed the autopayment and told me the overpayment would be sent to the dealership and not me since they paid the loan off. I called my bank and ordered a stop payment as at this point the loan was still overplayed but was now overpaid plus an additional installment. 

Again USBank charged me not only a returned payment fee but now 2 separate late fees. 

Again I called and was told now the account needed {$58.00} to close since it was XX/XX/XXXX and between interest and late payments the account was legitimately short. I demanded the late payments be waived, they declined. I paid the amount and began the complaint process. 

Upon questioning the dealership they apologized profusely and offered to pay the late fees and stated this is a common practice with USBank and they explicitly stopped all loans to them for this reason. 

These people are thieves and never have I had such a problem closing out an auto loan in my life!

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 2020-08-24
Company: Experian Information Solutions Inc.
State: MD
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:
I initiated a dispute stating that payment history for my XXXX XXXX account was incorrect. The bureau is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. This is incorrect as per an automatic stay in XXXX XXXX XXXX, I was not required to make payments during that time. Several disputes have come back as verified, and subsequent requests for verification information have gone ignored. This is having a damaging effect on my credit history and ability to obtain a mortgage loan and I am requesting that it immediately be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XXXX my wife took out a HELOC against the house we moved into. She took out this loan prior to us being married and my name was never on the original loan agreement. In XXXX she passed away. I've continued to pay on the loan through present day but never switched the loan to my name. Around XXXX I took out a second HELOC loan with Capital One in my name for the same property with no issue. At some point in XXXX, I tried to contact Capital One about the original loan in my wife 's name because the monthly payments had jumped from around {$250.00} to about {$700.00}. At that point, Capital One told me I would need to provide an executor letter in order for them to discuss anything about the loan with me. I did not have an executor letter because there was no will. I provided them with my wife 's death certificate, our marriage license, and a copy of the deed that shows my name on the deed, and still they insist on an executor letter. When speaking with attorneys about the executor letter it was explained that getting that letter would require going through the probate process and would involve lots of time and money. I did not have the time or money to go through that process so I continued to pay on the loan. I did discover on my own that the reason for the increase in payments was because the original payments were interest only payments and the new payments are now interest and principal. In early XXXX I tried to refinance the loan with another company but in the end Capital One refused to provide the payoff amount because the loan is not in my name. I wasted a bunch of time with the refinance process due to Capital One refusing to provide the payoff amount. Recently, I was asked if I ever tried to assume the loan. This had never been presented as an option in all my discussions with Capital One. When I asked Capital One about it I was told since I no longer live at the property, I don't qualify to assume the loan. I had just moved last year and have renters living there now. I don't understand how Capital One can legally refuse to deal with me on a loan that I have continued to pay on for a property that I own and have another loan with them for the same property. Now finding out that I could have assumed the loan during the time that I still lived there is even more frustrating. They've caused me a lot of time, frustration, and hardship by insisting that I provide an executor letter and never giving me any other options during the last 3 years I've been dealing with this. To date I continue to pay $ XXXX/month and they still insist on the executor letter in order to discuss the loan with me. Capital One has also stopped providing me monthly statements since the end of XXXX so I have no idea what's left on the loan and what is actually due each month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: MD
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:
I initiated a dispute stating that payment history for my XXXX XXXX account was incorrect. The bureau is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. This is incorrect as per an automatic stay in XXXX XXXX XXXX, I was not required to make payments during that time. Several disputes have come back as verified, and subsequent requests for verification information have gone ignored. This is having a damaging effect on my credit history and ability to obtain a mortgage loan and I am requesting that it immediately be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Americollect has not reached out to me about this account I checked my credit report and it was on there this is not my account. I have no knowledge what server of this collection account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Valentine and Kebartas, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX sent a letter trying to collect on a debt. On the letter they say they would report the debt but they are reporting the debt to the credit bureaus.

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 2018-10-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been receiving spam mail from TD Bank.

I did not sign up to receive this spam mail.

Just today, I received another spam mail.

I have attached the front and back of the spam mail I received.

Company response to consumer: Closed with explanation