BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Listen simply stated, I found an issue based on a store card through Synchrony back in late XX/XX/XXXX in which a rep from Synchrony advised me, that my interest payments on a long term promotional purchase was not being paid off the way I intended. She looked back over my card going back 2 and a 1/2 years to find interest charged and fixed it. She told me a setting was needed to make sure interest was paid off on promotional balances " First '' and I needed to set that up. Since this was NEVER brought to my attention, I was thankful and luckily at least that was fixed. SHE told me to check my other Synchrony based cards and I did to no surprise, finding similar interest issues. So I have contacted JCP Cards reps to get this resolved only to get canned responses and basically answers to questions that sound like they just deny me without even looking into my issue. NOW, reps are claiming that they have no notes from my older conversations and that even if I have claims going back to XX/XX/XXXX, they have been resolved, even though they can not cite to me how or produce proof why. They are basing their conclusions on NO NOTES. This is WRONG. I was promised an interest charge credit for XX/XX/XXXX for {$77.00} now going on a month and ALSO the XX/XX/XXXX interest charge of {$91.00} I still get a run a round answer

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 2018-04-20
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sent debt validation letter out on XX/XX/2018 there was no response that was addressed to me sent to my home. I have called and each representative hangs up the phone in my face. I was told that they sent a response to my debt validation to someone else that could have showed me their mail. They had over 30 days to respond to me in which they did not. They added this account to my credit files once I tried to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
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: Public record information inaccurate

Complaint:
Despite my frequent attempts to correct or remove in accurate information on all three CR is they continue to report state and federal tax liens that do not properly show my information and that I do not recognize.As of XX/XX/2017 the law states that the most accurately show all four points of information in each file or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company changed my account numbers at their whim. When I made payments to their automated system they did not apply them. They then reported me to the credit bureaus as delinquent causing damage and hardship to myself and my family. I have tried to contact them to resolve this issue and they have avoided trying to solve the problem. They have been using these tactics since I opened my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE:XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : BANK OF AMERICA, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : l XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : 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 2021-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Waiting since summer of XXXX for new car. Car came in on XX/XX/XXXX. Did not know car was coming in on that date so did not have certified check ready. Car dealership refused to take personal check or credit card for full amount of the car. This was late on a Friday with no means of getting certified check or cash withdrawal of that size from bank. In order to avoid hassle of getting certified check or cash withdrawal, dealership offered an auto loan with reassurance multiple times that if paid in full after receipt of account information by mail that there would be no extra cost incurred by temporarily taking the loan. No information was provided on how to pay the loan at the time of sale and was told this would be mailed to home address. Documentation received at time of sale stated no payment was due until XX/XX/XXXX. It took several weeks to be mailed account information regarding loan and thus had no way of knowing who the account was with, what the account number for the loan was, how to contact anyone about the loan or how to pay the loan. Upon finally receiving the account information and learning that the account was with Bank of America, check in the full amount of the loan was immediately sent and cleared account on XX/XX/XXXX. Subsequently called Bank of America and was assured there would be no finance fees as loan was paid in full and release of lien would be mailed. This phone call was approximately around XX/XX/XXXX. Subsequently received another statement that finance fees still owed. Called Bank of America again on XX/XX/XXXX who denied prior conversation. Was assured by XXXX XXXX that recording or transcript of this conversation on XX/XX/XXXX would be pulled and Bank of America would call me back with outcome. Have not received any phone call from Bank of America. Have not received release of the lien for the car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I CONTACTED TRANSUNION XXXX AND XXXX about them having my updated balances incorrectly reported on my XXXX account. I will attach documents to show they are falsifying updated balances on my report and my XXXX 's report for this same XXXX account. And XXXX UPDATED AND POSTED THIS FALSE INFORMATION KNOWING ITS A FEDERAL CRIME THAT CARRIES A VERY HEALTHY FINE AND COULD LEAD TO CRIMINAL CHARGES. My reported update balances are the XX/XX/XXXX of every month.

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 2021-04-01
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 sent a letter request validation for an alleged debt. It has been more than 45 days and I have yet to received any response from the credit bureaus or the credit card company.

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 2021-06-30
Company: AUDIT SYSTEMS,INC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/21 I received a phone call from a person unknown to me - I would not verify my address so they would not continue - after the call I did a quick internet search to find out who they were - it was Audit Systems Inc - so I called back to find out what this was about - verified and they told me I owed {$50.00} for a XXXX XXXX I said I paid it, they said I needed to send them proof or pay right now. I said no - I dispute the debt and they needed to provide the evidence as per the FDCPA, they said no I said you clearly don't know the law and they got louder said some numbers and hung up. I called back verified and told them to Cease all communications both verbal and written. 

At this point they are refusing to provide the validity of the debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: SANTANDER HOLDINGS USA, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX XXXXXXXX - {$12000.00} owed after car was repossessed XXXX - XXXX - {$1000.00} after car was totaled settlement was made

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Following a previous CFPB complaint that I filed which disputed the amount of qualifying payments I had made toward PSLF forgiveness, XXXX XXXX, on XX/XX/XXXX sent me a letter with the corrected number of qualifying payments I had made toward PSLF forgiveness. 

The amount of qualifying payments I made was 59, through XX/XX/XXXX. I have made timely, qualifying, monthly payments toward my student loans every month following. 

On XX/XX/XXXX, I filed another annual employment certification to ensure XXXX XXXX   was accurately tracking my qualifying payments. In the letter, I advised that I had made 14 payments between XX/XX/XXXX and XX/XX/XXXX. When adding these 14 payments to the previously certified 59 payments, the total equates to 73 total payments. I requested XXXX  XXXX  notify me if this information was inaccurate. 

On XX/XX/XXXX, XXXX sent me a PSLF payment tracker advising that I had made 67 payments toward my subsidized student loans and 68 payments toward my unsubsidized student loans ( rather than the correct 73 number for both ). 

On XX/XX/XXXX, I contacted XXXX XXXX  to explain the entire aforementioned situation to them. I was told that there was an error, as they had changed to a new software system. She advised that she would put in a recount request. 

On XX/XX/XXXX, I had not received any update from XXXX XXXX, so I then contacted them to get a status. The representative advised me that the status was still pending, over six months later. 

At this point, after already filing one CFPB complaint regarding XXXX  XXXX  's inability to properly calculate my qualifying payments, I feel helplessly frustrated that CFPB does not follow its own admissions and conclusions regarding the correct number of qualifying payments that I have made. Additionally, a request to recount payments that is still pending over six months after being initiated is beyond egregious. In a converse hypothetical situation, how responsive would XXXX   XXXX be if I had failed to make any payments for six months?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2015 I had contacted XXXX XXXX XXXX in regards to XXXX medical collection. It was agreed that if the debt was paid in full it would be deleted from my credit report. I have tried contacting them with no resolution. The original debt was for {$120.00} and is paid in full and listed as closed on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Lendmark Financial Services
State: PA
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:
LENDMARK FINANCIAL SVCS is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
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:
The following companies have violated my rights and have furnished my credit score without my consent, they have outdated information and it's affecting my personal and financial livelihood. I'm on the verge of filing a lawsuit for defamation of character. 

XXXX XXXX, XXXX XXXXXXXX, MERCANTILE ADJUSTMENT BUREAU, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today is XX/XX/XXXX, I have contacted XXXX about two XXXX accounts updated than added to two accounts that were paid off. These accounts are all listed as charge off accounts when one that is listed XX/XX/XXXX and the other was XX/XX/XXXX. The accounts were recently reported XX/XX/XXXX. Documentation shows only two accounts owed funds and settled. 
Where is there a third charge off? There was never a third charge off. 
There only two accounts one for XXXX and the other for XXXX. 
One account is not reporting any credit information, this a duplicate. 
I don't understand, how Capital One continues to injury my credit standing when all account ( 2 accounts are settled ). 
XXXX and XXXX need to remove this dummy account. They will validate or provide this unknow credit account the third. 
Executive Managment- I have been communication since XX/XX/XXXX, no resolve. 


XX/XX/XXXX- XXXX XX/XX/XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Greetings, I have disputed inaccuracies on my credit report with XXXX, XXXX and Transunion as well as XXXX. XXXX removed the inaccuracies due to identity theft/fraud to which a police report was provided to ALL credit bureaus. However after several disputes to XXXX, XXXX and Transunion all has stated that the information has been verified. I have additionally sent letters asking for their method of verification, and the only response received is that the information is verified. I have contacted XXXX as XXXX is their 3rd party vendor, verifying said information, to which I received a letter from XXXX that that the inaccurate information was removed as well as they provided me with an updated 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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Beginning XX/XX/XXXX, I requested that a number of inquiries be deleted from my credit file by mail, as these inquires were not authorized. XXXX, XXXX, and Transunion responded that I would need to dispute these inquiries with each individual creditor as they do not dispute inquiries. XX/XX/XXXX, I contacted each individual creditor requesting that they verify they did not have authorization to request my credit and that their individual request be removed from my credit file, till today, I have not received a response. On XX/XX/XXXX I contacted each bureau by phone stating that you are reporting inaccurate information and that this is against the FCRA. As a credit reporting agencies you are required by law to investigate and verify that what is being reported by your agencies, is accurate and true and that these inquiries were actually authorized by me, which they have not. Each representative that I have spoken with has pretty much passed the baton stating that I would be required to contact these creditors to prove otherwise, this is NOT correct. I have attached the letters to each bureau, and each individual creditor.

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 2022-08-08
Company: Prince Parker & Associates
State: NJ
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 have written PRINCEPARKER which says I have a debt of {$4300.00} multiple times asking to verify this information and to show me the original copy of me and the Creditor contract with my signature they have failed to respond to me it has been over two months which violates my rights under the FCRA I am a victim of identity theft and this false information on my credit report is stopping me from achieving my goals

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: JPMORGAN CHASE & CO.
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I obtained a mortgage loan from XXXX XXXXWashington Mutual ( WaMu ) in XXXX which was securitized and placed in XXXX XXXX. 
In XX/XX/XXXX, WaMu was closed down and the FDIC became the receiver of its assets which, FDIC, in turn transferred or sold to JP Morgan Chase. 
I made payments to Chase from XXXX until the end of XXXX. 
Chase gave me a predatory loan modification in XXXX. 

In XX/XX/XXXX, Chase signed a {$13.00} XXXX settlement with the Department of Justice based on its fraudulent activities from securitizing mortgages from XXXX through XXXX. Chase is providing relief to homeowners through XX/XX/XXXX ( so time is of the essence ). 

I called to ask for relief since the trust into which my securitized mortgage was placed ( XXXX XXXX ) is listed on XXXX XXXX which lists the securitized mortgages that would be entitled to relief under the settlement. 
The customer service representative at Chase informed me that I was not entitled to relief since my loan had been transferred to XXXX XXXX XXXX. But they are merely SERVICING loan, Chase is securitizer, investor and owner!!!!

Company response to consumer: Closed with explanation