BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello. I want to say that it takes a lot for me to complain about a company, but I have been dealing with this for over a year. I had a PayPal Mastercard that was erroneously closed, because Synchrony stated, " I was placing stop payments via my checking account with XXXX XXXX which resulted in returned payments. '' I have contacted my bank numerous times, with the most recent call made today at XXXX HRS, to make sure there was not a stop payment on the account nor a block on PayPal. I have contacted PayPal numerous times on or around the due dates ( XXXX of each month starting from XXXX of XXXX ) to delete and re-add my checking account to the automated system. What no one is able to tell me is why my PayPal credit account, using the same banking information as provided for my PayPal Mastercard account, goes through without a problem via auto pay. To pay my Mastercard account, I have to manually enter in a payment. The most recent payment was scheduled for XXXX XX/XX/XXXX and was cleared by my bank on XXXX XX/XX/XXXX. I have a transaction ID from PayPal, identifying the payment, and a screenshot of my bank details showing the payment withdrawn from my account. I was informed by PayPal to have my bank send a letter indicating that there was not a stop payment and that the payment went through, when in the interim, to make another payment. I was asked to send a letter the same way in XXXX of XXXX and did not receive any other correspondence nor contact from PayPal. I called my bank today and both representatives informed me of the same information : no stop payments, no blocks on PayPal, and that the payment of {$150.00} went through. The second representative even stayed on the line to conference call PayPal but was disconnected after entering all of my information. I called PayPal again at XXXX with another representative asking for another letter but this time to fax it at XXXX with attention to Synchrony PayPal Mastercard. I am upset about this whole situation, feeling like I am in the wrong and an irresponsible customer. I am at a loss. I also want to inform the FTC that if a manual payment is entered, the automatic payment is canceled for that month ... another flaw in their system that two other PayPal representatives identified but had a supervisor argue with me again with the perception I was the wrong one.

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 2018-01-30
Company: AES/PHEAA
State: CA
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:
Dear Attorney General, US Department of Justice, and Department of Education Just so you know what XXXX XXXX is doing to my account. 

I made a payment online on XX/XX/ in the amount of {$190.00} it was processed by chase on XX/XX/. 

On XX/XX/ fedloan placed my account in forbearance without my authorization stating the Department of Education notified them that I was in a disaster zone. I said which disaster and the rep said she didn't know. I do not live in a disaster zone. 

I told her to take me out of forbearance. I called back, to confirm it was done, then the automated service said I was 9 days late.. The payment once again I made was cleared by chase on XX/XX/XXXX. The forbearance letter is also dated the XX/XX/XXXXthe same day my payment was made. 

I was forced to make an additional payment of another {$190.00} in panic tonight XX/XX/ as the automated service said I was 9 days late even though the payment on my account said paid.. 
Now I have given XXXX XXXX {$400.00} this month and next month they increased my loan payment to {$190.00} what's going on????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30
Company: Debt Recovery Solutions, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are three adverse reports on my credit report. They are from collection agencies with who I never entered into agreements. The collection agencies purchased debt that was written off by hospitals which provided me treatment. Having written off the debt my obligation to pay the hospitals ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
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 status incorrect

Complaint:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2021-11-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have contacted all 3 credit bureaus about an inaccurate account that is on my credit report. XXXX has deleted this fraudulent account to reflect my true credit history, but XXXX and Equifax has yet to remove the account or send sufficient documentation supporting this claim. They are in violation of the Fair credit reporting act for failing to respond within 30 days. I am asking that these 2 agencies follow suit and remove this account. Legal action will result. 

Account : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have recently received a copy of my report from XXXX XXXX and XXXX XXXX. I wrote Bank of America a letter at XXXX, XXXX XXXX XXXX, XXXX , FL XXXX, explaining this incorrect information. I request for BOFA to dispute the following incorrect information showing on my report file. On The report copy I circled the items I dispute on the attached copy of my report I received from XXXX XXXX and XXXX XXXX. 

I have recently disputed this with XXXX XXXX and XXXX XXXX, this is inaccurate information reporting on my report! Im a victim of identity theft, I am requesting that these items be removed to correct this report information. 

Enclosed are copies of my Police Report, Federal Trade Commission on Identity Theft Report FTC Report Number XXXX, a copy of my current Identification Drivers license and other supporting documents. 

Please reinvestigate this matter by deleting and correcting the disputed items that are showing on my report as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
2nd Request - Noticeable 8 USC 1324C recognized : Consolidated Loan APPROVED in XX/XX/XXXX ... amount $ XXXX 14.54 % interest rate. However, NFCU 's calculation of 14.54 % interest rate is more of a 32.33 % interest rate. Total amount borrowed = {XXXX}. Monetary dollars PAID toward Consolidated Loan AS of this date, XX/XX/XXXX TOTAL {XXXX} [ XXXX XXXX XXXX ]. NFCU 'S fraudulent monetary dollar amount remaining to the PAID = XXXX}. HOW? A 14.54 % interest loan? Please REQUEST of NFCU to correct their 8 USC 1324c - Penalties for False Documents,, i.e., NFCU overcharged amortization. 

{XXXX} - {XXXX} = {XXXX} XXXX w/out added interest ) .... But, NFCU calculation reads {XXXX}. 

Please calculate@ 14.54 % interest to be {XXXX} ... NOT ... NOT {XXXX} [ per Promissory Note ]. Once recognized and calculated, NFCU was informed ; in turn, NFCU should have CORRECTED their error in calculations. 

I, XXXX XXXX XXXX, XXXX, should NOT be adding monetary dollars to someone else 's future college loan or savings account. Thanks to ALL in advance. 

Best Regards, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts.

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 2018-01-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I made an online payment in which I had done for almost the whole previous 11 months of that year despite the fact that they charge XXXX to pay online. My payment was subtracted from my bank account and then credited back 6 days later. I was not aware only to get a bill for XXXX stating I was 30 days late. I called XXXX and spoke with 3 different customer service reps no one could explain what happened why I was credited back the money. Since I didnt want to pay late fee and the fee to pay online I mailed a check for the amount to cover XXXX, XXXX and XX/XX/XXXX. XXXX cashed my check on XX/XX/XXXX and left me a negative 30 day late on my credit. They refuse to budge even though I was not made appear that the payment was processed incorrectly on their end and not notified it was returned. 
They are a scam. Charging fees, late fees and not processing payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company named Contract Callers  submitted a derogatory mark on my credit report on XXXX-17. I  have no idea what this negative mark is for nor have they contacted me regarding the amount owed of  XXXX. I have no idea what this was for and I wanted to see if this can be deleted from mt report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Approximately XX/XX/2019, Santander Consumer USA, once again reposted my vehicle without notifying me of their intent to do so. Further, this occurred after they were notified that I was hospitalized and that I was deemed XXXX XXXX and as a result, a claim would be filed with the XXXX XXXX XXXX XXXX and they would be paying the Note off in full. Since Santander Consumer USA was the lost payee the payoff would be made directly to Santander despite the fact that I had made many payments to Santander that were covered By the claim in an effort to keep my account in good standing and to avoid repossession. I was given inaccurate information by several different Representatives ; including being told that my vehicle had already been sold at auction, after I paid the amounts I was told would be required to recover the vehicle. My request for my case to be escalated to upper management and/or Corporate was never responded to. Further my request to have recorded conversations with Representatives reviewed to verify the inaccurate information I was given and to prove that I paid the amounts I was told would be required. These actions resulted in my inability to have XXXX insurance claim paid due to the vehicle being repossessed and auctioned and and outstanding balance remaining of 0ver {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My ex wife and I purchased a car through a local dealer and was financed through XXXX XXXX / XXXX bank. The car was in default and charged off. Upon the finalization of our divorce I attempted to provide the court order to XXXX which stated that my ex wife was solely responsible for the loan and XXXX refuses to accept the document and also to remove the loan from my credit report instead choosing to transfer me between two or three different departments in a round robin. Please help

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2018-01-29
Company: BBVA FINANCIAL CORPORATION
State: AZ
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:
Debit Card was lost and XXXX XXXX has not protected my rights under lost debit card with the XXXX policy. Under Dispute Case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions 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:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. Please take these unknown items off my report XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX. XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX SM BUS ADMIN ODA.

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 2018-01-30
Company: U.S. BANCORP
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: Was not notified of investigation status or results

Complaint:
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the case and stating my reasons had nothing to do with them the account was VALIDATED well i asked to be sent proof and that was not done I NEED THE ACCOUNT TO BE VALIDATED, Proof of My WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX acct. XXXX XXXX RMSCC # XXXX $ XXXX ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
After paying off my FHA loan from XXXX through refinancing with another lender, I was supposed to receive a refund of my escrow account in a total of {$850.00}. The refund was due in XX/XX/XXXX but I never received a check of that amount. By calling XXXX customer service, the refund amount was verified and I was promised to be issued a refund shortly. I called XXXX again in XX/XX/XXXX to follow up on the status of my refund and was told that the check was issued in XX/XX/XXXX and was cleared shortly afterward. During that call, I informed XXXX that I have not received the check and have not cashed it or deposited it. As I requested, a copy of the alleged cleared check was shared with me. The check copy does not have my signed endorsement but was stamped from XXXX XXXX XXXX indicating it was cleared. Based on their advice, I inquired about the check with my bank ( XXXX XXXX XXXX ) and verified that the check in question was never cashed, deposited, or linked to my account on record. Furthermore, given that the check does not have my endorsement XXXX XXXX XXXX confirmed that it could not have been cashed or deposited in any of their branches or online features. I called PennyMac again that same day and conveyed that information and then asked my case to be investigated by their fraud department. I was promised that they will look into my case and one of their fraud investigators will get in contact with me as they process the case. On XX/XX/XXXX I called XXXX again to follow up on my inquiry and complaint. I was then informed that XXXX is no longer investigating the issue and was told to resolve the issue with my bank as they can not provide any further assistance. XXXX was not able to provide any information that could me investigate the matter further such as where was the check cashed, or who cashed the check. That being said, I have reason to believe XXXX has embezzled my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: ALLY FINANCIAL INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I got my loan initiated on XX/XX/2021. I received my information to setup on my online banking, and it reflecting that my next payment date was on XXXX XXXX. On XX/XX/2021 I made a payment of {$200.00} which is more than the minimum amount due with the anticipation that it would be applied to the XX/XX/XXXX bill. On XX/XX/XXXX I got an email stating that my payment was late. Which made no sense to me since I had made a payment on XX/XX/XXXX. I called and spoke with a representative who informed me that I made my payment too early, so that even though it was applied to the loan, it did not affect my XXXX due date. I told them I would be making my payment that day, however I wanted them to reapply the payment made in XXXX, to credit my XXXX payment, and the payment I was making that day to credit XXXX. They stated that they could not allocate the payment. I requested a supervisor, who stated they would not reallocate that payment and could not give a guarantee that it would not reflect on my credit, but she would waive the late fee since I was going to be making a payment that day. I advised that should have never been charged a late fee since i was never technically late, having made a payment in XXXX to cover the XXXX payment and now making my XXXX payment. After requesting that they escalate my issue i was told that i would have someone call me back. By the afternoon of the following business day i did not have a call back and I again reached out to Ally to have them make the payment right. They did confirm that it would not reflect on my credit, since they don't report to credit reporting agencies, however they refuse to reallocate my payment to reflect that it was in fact paid in XXXX, and that the payment made in XXXX was for XXXX. All I have asked is that they reallocate my payments accurately

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