BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-05
Company: SYNCHRONY FINANCIAL
State: ND
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My card was cancelled without any communication. " except a letter that was mailed the day it was closed '' that I still haven't received. I have been in good standing with the card and made my payments. Now I've made medical arrangements for a procedure that I was having on that card in 8 days and Will no longer be able to have the XXXX  procedure because I can't use this card to pay for it. The scheduling has been six months out. I have also found their communication to be rude and never customer focused. It's unfortunate that I have had to count on them. I will never use their service again or recommend to anyone. That's too bad because I gave them great reviews initially. For the Interest rate  they have associated you would think they would be easier to work with. After being on the phone for 10 minutes to file a complaint there was still no indication they would even file a complaint.

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 2018-07-23
Company: AmeriCollect
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 information incorrect

Complaint:
I have tried several times to contact the company AmeriCollect about a duplicate account that they are reporting to my credit report and it is affecting me from obtaining credit. My last dispute I attempted was last month and it came back verified and updated. The accounts are the same. Same amounts. Only difference is that one has an A added to the end of the account number. One was reported on my account on XX/XX/XXXX and the duplicate was reported on XX/XX/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 2019-06-05
Company: EQUIFAX, INC.
State: NC
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 is reporting duplicate entries of the same account on my credit report for the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Miller, Stark, Klein and Associates
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020, I was called while on the job after i had told them i could not get phone calls before and after XXXX, I was called 3 times in a row. I had told XXXX XXXX if it was necessary for her to call 3 times in a row. Her response was because i was not answering. I had made arrangements on this school loan with someone else, so not sure why I was being called by them. I had made them an arrangement to pay {$50.00} to make an arrangement with them ( i told them i would call and let them know '' However {$2000.00} was being withdrawn from my account on Saturday the next day which i stopped. I called today and told them i had made arrangements with someone else, but XXXX XXXX kept cutting me off, so i got irritated. She said shes going to contact my HR and hung up on me. 

This company is DRS Processing

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Affirm Holdings, Inc
State: WA
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:
After trying to set up a loan through affirm they denied me by saying an affiliate has told them that they are unable to identify me. I may have called a reporting agency to let them know XXXX has lost paper work on me.and to flag my name for any new loans to be approved but affirm is already an opened account. Thats all I can think of as why this company after years of being with them are denying me rights for loans. How do I remove this flag so that affirm can properly help me with my account. 

Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Diversified Consultants, Inc.
State: WA
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:
DIVERSIFIED CONSULTANTS in XXXX, FL contacted me about {$58.00}. XXXX could not prove that I was informed of a {$100.00} early cancel fee. XXXX kept {$42.00} overpayment on the account then DIVERSIFIED CONSULTANTS accepted my {$58.00} payment to them based on an understanding that it was never proven that the money was owed. I am trying to purchase a home and my credit score has gone from the 800 's to the 600 's and I have already paid now {$100.00} I never agreed to. I am being held XXXX when I tried for months to have anyone provide a shread of evidence that the {$58.00} was owing. If there was evidence I would have paid it in the first place. The order was placed by phone and early cancel fee not disclosed. DIVERSIFIED CONSULTANTS needed to provide evidence. This is a bad faith action and a violation of the Fair Debt Collection Practices Act. This is a fraudulent collection of a debt which makes DIVERSIFIED CONSULTANTS liable for damages, attorney fees, and court costs. The {$58.00} was paid in XX/XX/XXXX and I discovered it has not been removed from my credit report XX/XX/XXXX when I started the loan process. I can not afford a higher interest rate of thousands of dollars because of paying {$58.00} I did not owe. On XX/XX/XXXX I sent a certified letter asking for a refund and that DIVERSIFIED CONSULTANTS remove this fraudulent collection of a debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
Transunion, has been advised, and I have tried to remove multiple names reported on my credit report. I do not go by any of these and never have. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. The only way I spell my name is XXXX XXXX. I have tried to delete these as well as contacted Transunion to delete them. After several attempts I have had no success.

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 2019-06-05
Company: SYNCHRONY FINANCIAL
State: NY
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 received a Notice of a Summons on XX/XX/2019 tapped to the front door of my apartment. I was never nor was anyone in my home given these papers. I never received the summons in the mail. The sum amount is {$4100.00}. There is no date on this paper for which I am suppose to go to court.

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 2019-06-05
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. The original loan maturity date was XX/XX/XXXX. I feel behind on payments but eventually caught up and made all payments and paid the vehicle off in XX/XX/XXXX by sending a payment of {$1800.00}. We contacted XXXX XXXX which is now Bridgecrest about obtaining the pink slip. Bridgecrest claimed we owe {$5900.00} in unpaid interest. We explained to Bridgecrest that this can not be possible because whenever I made a payment I made the full payment plus the late fees that were added per their websites listed amount due. After making a few additional calls to the company, we were eventually told we can not locate you account. I am trying to purchase a home and when I ran my credit, I discovered that Bridgecrest had reported the account to all three credit bureaus as a charge off. Ive made multiple attempts to resolve this issue through Bridgecrest to no avail. I would like my pink slip and the account properly reported to the credit bureau as paid in full.

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 2021-08-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage and SunTrust Bank issue a check to me for my escrow amount of {$2100.00} on XXXX XXXX. After several weeks I did i did not receive it and assumed it was lost so I called them on XX/XX/XXXX and asked them to cancel the check and reissue it. They advised me they had to wait 30 after issue date and to called back. I called them on Monday XX/XX/XXXX. The told me that the check had been returned to them on XX/XX/XXXX and sent it to the states unclaimed money department. I asked them why didn't they wait as they knew I was going to call. The employee told me they have a record of my XX/XX/XXXX call and my updated address but something must have happened and it was too late to cancel and reissue. i called the unclaimed department and was told it won't show on their books for months. {$2100.00} is a lot of money to me.

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 2019-06-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a notification from XXXX XXXX on an account ending XXXX that Equifax, XXXX, and XXXX reported the account as fraud. Causing XXXX XXXX to close the account. I never claimed this or any other account was fraud. As a matter of record the communications I sent specifically requested they NOT place fraud alerts on my credit. And only that they investigate the accounts I specified. This XXXX XXXX account was not among the disputed accounts ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Self Financial Inc.
State: TN
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:
My credit report shows that my payment status with XXXX XXXX XXXX is 60 days due on from a past payment. Yet my payment history does not reflect any of this, it only shows one 30 day late payment, in XX/XX/2017, on only one credit bureau. I have not been late on this account, I called the XXXX XXXX in XX/XX/2017 to have remedy the payment from being late and was accommodated. I have been unsuccessful in reaching out to XXXX XXXX regarding this matter as this loan product was under a different name of Self Lender and has since been sold and rebranded. All communication efforts have been unsuccessful, even through validation and dispute processes with the three major credit bureaus.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I called and spoke with Navient about my student loan. The interest rate keeps going up and it is getting to the point where it is almost too hard to pay. Plus, I will be out of work for a month starting next month. The lady said that I was not eligible for a rate reduction based on my income and didn't offer me anything except for a forbearance for up to 3 months. I asked her if interest would continue and she said yes. I asked her if my payment would go up at the end of the 3 months when repayment would start. She said yes. I explained to her that it was kind of pointless to do a forbearance if the loan amount was already getting too ridiculous to pay and it would go up which would make it even harder. She said I may could apply through the credit bureau 's at a later date, but at this time I didn't qualify. She did not explain why as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: ENCORE CAPITAL GROUP 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:
THIS DEBT DOES NOT BELONG TO ME, I HAVE NEVER HEARD OF THIS COMPANY BEFORE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: SYNCHRONY FINANCIAL
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Synchrony Bank called 2 days in a row using different numbers. 

XXXX XXXX, XXXX at XXXX a.m. XXXX : called from XXXX XXXX XXXX, XXXX at XXXX a.m. XXXX : called from XXXX Neither time did they identify themselves as debt XXXX. I used XXXX to look up their phone numbers and found out who they were calling in behalf of.

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 2020-11-25
Company: CITIBANK, N.A.
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:
Unaware of inquiry

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 2022-11-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a notification from Capital One on an account ending XXXX that XXXX, XXXX, and XXXX reported the account as fraud. Causing Capital One to close the account. I never claimed this or any other account was fraud. As a matter of record the communications I sent specifically requested they NOT place fraud alerts on my credit. And only that they investigate the accounts I specified. This Capital One account was not among the disputed accounts. Capital One is allowing known mistakes like this rather than contact the customer. Looking on the internet reveal that Capital One is well aware of this issue with the credit bureaus. Why is Capital One not requesting a copy of the customer fraud claim from the credit bureaus. It's took UNVERIFIED action against me ... And that without a call to me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Navient Solutions, LLC.
State: ND
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Co-signed private loan for my son on XX/XX/XXXX. Began paying on loan XX/XX/XXXX. Have paid {$23000.00} on an original loan of {$16000.00}. According to Navient I still owe {$19000.00}. Have made timely payments. This company is currently being sues for predatory lending practices. This company has acted fraudulently. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 DISPUTED INFORMATION WITH TRANSUNION AND XXXX AROUND XX/XX/2018 REGARDING XXXX. ALTHOUGH I SENT IN RECEIPTS SHOWING PAYMENTS AND PAYMENT DATES AND A LETTER STATING THAT XXXX  HAD ALLOWED PAYMENT ARRANGEMENTS TO BE MADE, THE CREDIT REPORTING COMPANIES DID NOT UPDATE MY INFORMATION STATING THAT XXXX   STATED THAT THE INFORMATION IS ACCURATE. IN ADDITION, IT DOES NOT STATE IN MY TRANSUNION THAT THE INFORMATION HAS BEEN DISUPTED. 

AS A RESULT OF THE MISREPORTING OF THIS INFORMATION, MY CREDIT SCORE FELL FROM XXXX TO 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 2017-09-22
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got a letter in the mail saying that citi bank was trying to collect the funds

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 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/2019 XX/XX/2019 XX/XX/2019 Transunion has been practicing illegal tactics against me and its effectively slowing down my well being. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a METHOD of verification and they will not provide me with any accuracy of information Ive asked of them. I have a letter from the the Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. Thank you.

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 2019-06-05
Company: C & M Associates Group, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
At XXXX PST on XX/XX/19, " XXXX XXXX XXXX with XXXX , XXXX , and XXXX  threatened to take legal action against me for a XXXX debt that does not belong to me. Would not give me any information, and hung up on me twice. Stated " there was a claim out against my social security number and they would pursue against me ''. I have never owned a XXXX card in my life. This is a fictitious debt that I have already taken legal action over in the past. I will do it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: ID Analytics, Inc.
State: WA
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:
This is in regards to a company called SageStream , LLC. My credit score is XXXX and my XXXX is XXXX yet they report we have serious delinquencys and other false claims! We can't have excellent credit and have the things they are claiming! I have seen so many complaints about them! They need to be stopped!

Company response to consumer: Closed with explanation