BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Had this synchrony card for a year and misplaced the card. I contacted customer service and was told to hold on. While waiting, I located the missing card. The customer service representative came back on the phone and told me the card was cancelled. He requested another card. I was told that I could go to Lowes and make a purchase because they are there highest vendor. I was also told that Lowes could look up my new account information. I went to Lowes two weeks ago and was told that they did not know who Synchrony home was. I wasted my time, effort and gas to be told that they do not accept Synchrony home. To date, I just received the card yesterday, Saturday XX/XX/2020. The card number to the first card is XXXX. I called today XX/XX/2020 and was told that the second card XXXX I received was also cancelled and that I called to cancel from Lowes on XX/XX/XXXX. This is not true because I was with a Manager in Lowes who was with me the entire time and I can get proof from them that I did not cancel any account at that time. Additionally, my cell phone was not working from XXXX XXXX and it just started working today which is why I called. I was also told that I called and cancelled the account yesterday XX/XX/XXXX. I believe that fraud is being committed on my account because at every turn, I am being prevented from using my card. I spoke with a representative named XXXX  who was abrupt and rude. She transferred me to XXXX who is XXXX XXXX  and accent prevents you from understanding them and he transferred me to a dial tone. Called back and got XXXX who was equally rude who transferred me to a dial tone as well. Called back again and got a XXXX who wanted to argue with me about everything when all I asked is to speak to a Supervisor. I was just transferred back to XXXX and I just hung up.

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 2019-09-14
Company: CL Holdings LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Jefferson Capital systems bought a debt from a company that tried to place something on my credit report after being unsuccessful they sold the debt to Jefferson Capital systems. The original debt came from a company by the name of XXXX XXXX XXXX once XXXX XXXX XXXX was removed from my credit report XXXX XXXX sold the debt. I owe no money to XXXX XXXX, Jefferson Capital systems or XXXX XXXX XXXX. I've reached out to the country several times for them to show me all documents pertaining to this debt. I still have not received anything showing that I am responsible except for them reporting this information on my credit report falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: General Mortgage Capital Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I refinanced my mortgage with General Mortgage Capital Corporation ( GMCC ) on XXXX, XXXX. In the initial XXXX form ( attached ) and the final XXXX form XXXX attached ) that I signed with GMCC, the forms all clearly state No Prepayment Penalty. I refinanced this Mortgage with another company on XX/XX/XXXX. 

I received a bill XXXX attached XXXX from GMCC on XX/XX/XXXX. In the bill, it charges me {$6100.00} for early payoff penalty. GMCC agent said, the mortgage has been sold to XXXX by GMCC in XX/XX/XXXX. XXXX charges GMCC for the early payoff penalty, and GMCC requires me to pay it. 

I have no responsibility to this early payoff penalty. GMCC should take full responsibility to the charge from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for an apartment, and I was asked for my employer to complete an employment verification. My employer completed it and submitted the application for processing. However, my application was denied based on a report from the service work number. According to XXXX ( the property management company ) stated that I am not entitled to the report. Although, it's a consumer product that generated a report, and there was an adverse action. 

On XX/XX/2021, I proceeded to try to obtain the report through Equifax Work number 's website at https : //theworknumber.com/solutions/consumers/employment-data-report. The service is fully automated. It is impossible to pay for the report unless you are a business subscribing to their service. If your employer is subscribed to the service, they have to provide you with information to enter their portal employer participates in the service. I work for a small family-owned business, and they are not participants in this service. 

I later downloaded their form and emailed the completed form to the address on their website with a copy of my license and paystub ( XX/XX/2021 ). I have not received a response. I want to know why the work numbers website is not accessible if they provide my financial information and taxes and have no access to it. 

I would like to have some assistance with this time-sensitive matter because the decision is based on erroneous information. I would like to have an opportunity to see the report and dispute any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
The credit bureaus are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan payments with Specialized Loan Servicing ( SLS ) was  paid current through XX/XX/2018. I sent in the XXXX payment in the amount of {$550.00} on XX/XX/XXXX and 18 days later, the check still had not cleared the bank. The bank advised me to stop payment on the check, which I did. SLS contacted me shortly thereafter asking about the payment and I informed them about the stop payment. A couple weeks later, I tried contacting them with the phone number they provided me so that I could pay the XXXX payment by phone. I could never get through to them. Nothing was done in XXXX because I was unable to contact them. On XX/XX/XXXX, my daughter was able to contact them and talked to someone regarding the back payments. They told her a phone payment could be made and we provided them with the checking account no. and routing no. A payment was made over the phone and a confirmation no. was provided us. As of today, XXXX XXXX ( 12 days ) they still have not received payment and the money is still in my checking account.

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 2021-05-06
Company: Receivables Performance Management, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Months ago, I submitted a complaint that an XXXX XXXX  had shown up on my credit report as a derogatory mark, indicating that I owed XXXX XXXX ( I don't know who this is ) {$400.00} dollars. Once I submitted the complain to CFPB the derogatory mark disappeared on my credit report, my score returned to normal, and I assumed the issue was resolved. 

However, just a week ago my credit score dropped again, this time from a derogatory mark opened by a company called RPM. I have never been contacted by any of these companies ( XXXX, XXXX, nor RPM ) regarding any outstanding debt. I have not received a call, a voicemail, nor a letter. 

This is not my debt, and I don't even know how to contact the companies because I have never been contacted by them. I have never been contacted by any creditor about an outstanding debt. Apart from this false {$400.00} claim, which I suspect is fraudulent, no accusation of debt has ever come my way.

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 2019-03-26
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander is refusing to apply extra monies I include with my car payment to go towards the interest instead they subtract my car payment and principal amount which is {$330.00} to pay the interest even though I'm sending them {$400.00} which would take care of the entire principal and leave {$60.00} to go towards the interest. Instead they are holding back the {$60.00} and telling me that they can't use it for the interest only for the principal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to put a freeze on my Experian credit report. Experian simply rejects the online attempt to apply the freeze, despite providing exactly the same information that had been used 30 minutes earlier to remove a previously applied freeze. 

Experian simply says it is unable to satisfy the request to freeze and then lists an unreasonably onerous process that must be followed, providing a lot of information on paper through US mail. It's clearly intended to dissuade the consumer.

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 2018-04-27
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was evicted from my home and in XXXX. At this time I owed the original creditor the remaining balance. As of XXXX this year ( XXXX ), I was able to get back on my feet and am now settled into my current address. I did not receive any information until looking into my credit report, regarding the debt. Interestingly the the debt in the amount of {$1900.00} apareard on the report in XX/XX/XXXX then in XX/XX/XXXX was no longer shiwing on the credit report. As of XX/XX/XXXX it showed back up. I tried to resolve the issue with the company but was told I had to pay the balance of {$1900.00} in full, dispite my hardship and dispite never recieving any notice ti collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed complaint # XXXX with you about Equifax on XX/XX/XXXX. The result of their investigation was a statement from Equifax on this site that I should call XXXX XXXX XXXX between XXXX and midnight EST XXXXdays a week. I have now called that number twelve times during the indicated hours ( three times on XXXX, three times on XXXX, three times on XXXX, twice on XXXX, and once today, XX/XX/XXXX. Each time I have tried to get a live agent, have heard a message, and then gotten a busy signal. I do not know how Equifax has dealt with my complaint because I am unable to reach them. I don't see how Equifax telling me to call a phone number whose line is always busy is an adequate response. 

The busy signal is not a problem with their phone system or staffing. Today I called Equifax 's " specialty department, '' which answered immediately, but could answer only regarding whether I have monitoring services with Equifax. 

The original problem, since XX/XX/XXXX, has not been solved. I have been unable to log into myequifax.com since then. My previous complaint, with two lengthy attachments, detailed my many hours of efforts since then to solve the problem, including most recently talking with a supervisor on XXXX. 

I will continue to file complaints until Equifax solves this problem. I have no problems with XXXX  or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TransUnion keeps failing to uphold the law. Attached are my supporting documents. Information not VALIDATED per my request. 3 certified letters.

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 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Affidavits Attached XXXX XXXX-XXXX v. XXXX XXXX XXXX, the judge through that case ruled that the court can not just rely on computer generated documentation, instead the court has to do an investigation. Upon contacting XXXX XXXX, XXXX, and Transunion, and XXXX  in reference to an unverified bankruptcy reporting on my credit reports that they maintain under my social security, noting that XXXX XXXX had an inaccurate social security number reporting. 

Looking into my Transunion report, on it's website ( https : //www.transunion.com/XXXX ) it listed XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX ( `` XXXX '' ) as a provider of the bankruptcy information to TransUnion. FCRA Section 611 ( a ) ( 2 ) requires Transunion and XXXX XXXX to ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX and Transunion report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a  violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.

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 2019-09-15
Company: Bridgecrest Acceptance Corporation
State: AZ
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:
I recently paid off a car loan financed by Bridgecrest. I paid the EXACT amount shown on the Bridgecrest website as my last remaining payment including all accrued interest. The final payment was due on XX/XX/2019 the final payment was sent to Bridgecrest via ACH Debit on XX/XX/2019. As ACH Debits typically take 2-3 days to deduct from my account, the payment was taken out of my account on XX/XX/2019 ( see attached document ) indicating the payment was made before it would be considered 30 days late. I was informed by XXXX at the Bridgecrest compliance department that all interest and late fees had been absorbed into the final payment and was sent a letter stating that my account was PAID IN FULL. As of today Bridgecrest has reported my last payment as 30 days late after I was specifically told by XXXX at the Bridgecrest compliance department that all interest had been absorbed and that I was NEVER 30 days late on any of the payments I made on this loan.

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 2019-09-15
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: Account information incorrect

Complaint:
Equifax Reporting inaccurate information despite me giving them notices alone with the law that supports my claim. Attached are my supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Moria Development, Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was not able to check more then one complaint above but not only do i have had a issue with closing on mortgage but i have a complaint about the applying for the mortgage section box and the trouble during payment process box so i reached out to the owner of XXXX XXXX ( XXXX XXXX ) and he called me back and sounded surprised of the many complaints and requested i send a timeline of my complaints so he could investigate my file and promised he would call back in two day and a week later i reached back out to him and told him i was finally able to fix the credit issue and then his assistance called me and said they were glad i was able to get XXXX to fix the negative credit reporting they did nothing wrong and sometimes that happens and asked me if i was satisfied and i said no i want honest answers and understating of the many loan changes and the strong arm tactics used during my loan i truly feel they prayed on my bad credit and being a first time home buyer never having been threw a loan process of this magnitude and now looking back and trying to find a way of not feeling so violated by the games and tactics used by XXXX XXXX and who knows may have broken some federal or state laws ( but i'm  no lawyer i'm just a simple consumer ) and after being disregarded of my complaint i feel like i have duty to report my complaint and hope i can finally be heard and i can get some clear answers and hopefully prevent this from happening to some other poor soul and unexpecting consumer and all my dates, the full complaint, and the details of my loan and the evidence the proof and also i will add the complaint i have just filed with arizona department of financial institutions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: VA
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:
Hello, I got notices related to an account at XXXX that i didn't create. The situation is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I checked my XXXX XXXX account and it states that on XX/XX/2019 a XXXX XXXX XXXX XXXX card had tried to be opened and a hard inquiry is on my account. I called XXXX  and they told me I had to contact transunion because they couldnt help me. The rep did not even try to listen to me when I told him my identity had been stolen and I already have a fraud police report opened and this was not me. So I need the hard inquiry removed.

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 2019-09-15
Company: SYNCHRONY FINANCIAL
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
A fraudulent charge was made online on my Sams Club Mastercard. I was in possession of the credit card at the time the fraudulent charge was made. {$230.00} for a XXXX XXXX XXXX  XXXX delivered by USPS XX/XX/2019. I contacted the retailer on XX/XX/2019, which I received no reply to. I made a claim to Sams Card Mastercard, which was reopened many times. My identity was stolen ( reported to the police ) and affected two different cards along with the Sams Club Mastercard. Those two other credit card companies had no issue reimbursing me for the fraudulent charge.

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 2018-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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:
Bank of America has the wrong social security number on my account # : XXXX. XXXX is not my social security number. I want Bank of America to update their records with my correct social security number and date of birth which is : Date of birth :XX/XX/XXXX SSN : 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