BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-18
Company: AMERICASH
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had taken out a loan for XXXX last XX/XX/XXXX and fell behind in payments. In XX/XX/XXXX. I filed a complaint and was given a payoff amout of XXXX. XXXX had said I had agreed when signing the loan to pay XXXX ( which I suppose with interest etc. would be accurate- but my loan was for XXXX- I never expected circumstances would prevent me from paying that off and having to pay the full XXXX ). XXXX told me the best deal he could make with me was XXXX, with a monthly payment of XXXX monthly from XX/XX/XXXX-XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX I paid XXXX a month consistently and on time, for a total of XXXX paid. Yet during this time I have continued to receive threatening letters with amounts that are not accurate. When I complain I am told to ignore them and all that I need to focus on is giving them XXXX a month from XX/XX/XXXX to XX/XX/XXXX. It is very difficult to trust and XX/XX/XXXX on paying this when threatened monthly with inaccurate information. In addition, I called recently as my employment status changed, along with a new car loan that I had to take on and supporting my XXXX daughter- and told them XXXX a month is no longer possible. XXXX, the man I call and pay monthly indicated he could stretch the loan out longer for about XXXX XXXX and something a month, then after conferring with XXXX ( the main boss ) I was told the best they could do was stretch it out by one month and I would owe XXXX a month, which is not possible. I just missed my XX/XX/XXXX payment ( first payment missed in 6 months ) and I am getting numerous phonecalls. Most troubling however is I got another letter recapping a broken promise. It has a past due amount of XXXX and is demanding payment in full. I am traumatized and baffled- if our promise was XXXX and I have paid XXXX the remaining balance is XXXX. If they accelerated it to the full XXXX - I still paid XXXX which leaves the balance at XXXX. Where is this XXXX coming from? The amount on the letter ( as always ) is confusing and misleading. anytime I call in the past- I am just told not to worry pay the XXXX until XX/XX/XXXX and I am fine. I can't continue to pay and blindly trust esp. when this amount per month is creating a financial hardship.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: AL
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2019-11-01
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This group calls none stop. All day long calling, and when pickup no one answers. Call back to get an abusive person on the phone. They have resorted to calling my work, which has a stick no personal calls policy. I have no debt with these people on my credit report and they refuse to verify anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Synchrony Bank did not correctly enter my check information and subsequently reported me as 30 days late to the credit bureaus. I tried correcting the information, but Synchrony Bank refused to help me.

It is unfortunate, but Synchrony Banks Customer Service representatives are in Third World countries and their English is often very poor. Due to that problem, they often they are unable to understand the information given and make mistakes. While Sunchrony Bank may be saving money by using offshore representative, I am the one who is paying the price for their errors. Since the Customer Service representative got my check payment information wrong, the payment was subsequently rejected and now my otherwise perfect credit is showing one 30 day late payment.

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 2021-06-08
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My card was used fraudulently. I have reported the fraud 3 times now and have received no type of investigation information or anything from Bank of American. I have been put on hold for hours numerous times and hung up on. I need this fraud properly investigation. I need information from the bank to file a police report and I cant even get a response from the bank

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 2018-07-04
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently reviewed my credit report and saw that an account was sent to collections from Williams & Fudge Inc. The original amount for the reported debt was {$610.00} and now reporting  {$950.00}. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION.I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: KS
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:
XXXX XXXX at XXXX who works at the special handling department should be fired from her job for lying to me and violating my rights. I have the right under the FCRA to dispute any information on my credit report deemed fraudulent. I called on XX/XX/19 and she told me that even though there was fraudulent information listed on my report it would be there for 2 years and that is not true. She is stupid and should loose her job or I will sue you and Equifax for a violation of the fair credit reporting act and fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 this company signed for a certified return mail receipt for a dispute against this company. Tracking number is XXXX XXXX XXXX. Per The Fair Debt Collection and The Fair Credit Reporting Acts ( Section 807 ( 8 ) and 623 ( a ) ( 3 ) ; XXXX XXXX had 30 days to mark my account disputed, which they failed to do and it is a FEDERAL OFFENSE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: MO
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: Experian Information Solutions 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:
I disputed with them through the United States Post Office and I sent a certified letter to make sure they receive the documents because it contained all of my personal information. I will link that letter and the receipts here for your convenience and proof. 

Unfortunately I can not tell if they processed my disputes because the two old  accounts which have not had activity on more than 7 years are still on my file affecting me. These accounts are labeled XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The payments statuses are wrong because it states on the account beginning in XXXX that I am currently 180 days or more late and that is not valid because it is past the statue of limitation by law for last activity and it can not be help against me. This account is an FHA government account and has not been in XXXX XXXX XXXX  possession in over 7 years. This information should be deleted, as should the whole account. 

Secondly, I would like to bring to Experian 's attention that account XXXX is also wrong and I would like to have it deleted for premium accuracy please. I have no lates on this account as well in over 7 years and I am concerned here as well why it shows up on my Experian.com monitoring as a late account in my summary section. and FHA loan was taken over for both accounts in 2011 and they can not legally report this as their own. 

WHO DID THE CONFORMING ON THIS ACCOUNT? WHAT INFORMATION WAS CONFIRMED? 
These two accounts have incorrect and outdated information and they are not registering accurately on my general profile with creditors and this is tremendously damaging for me. 

These items were not updated or processed with accurate information after I disputed them and they do not report as being disputed by me. I have no proof that they corrected, investigated or confirmed anything an I am very very frustrated. 

No one here seems to be doing their job and falsely verify information to deter consumers from pursuing the truth and that is not fair and a very abusive and intimidating practice.

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 2018-05-18
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The bank that originated my mortgage XXXX XXXX was bought by South State Bank and now the loan statement/payment invoice is mailed much later than before. It is not mailed until the XX/XX/XXXX of the month but the payment is due on the XX/XX/XXXX of the month same as before. If the statement arrives on XX/XX/XXXX or later, there isn't much time to mail a payment check to be processed by the due date. Considering there may be holidays or interruptions in mail delivery due to weather, etc. or if I am away from home when the bill arrives, it would seem that this arrangement is a deliberate attempt to force consumers to miss the due date which could have adverse repercussions. Before the buyout, I would generally have the payment notice in hand much earlier each month. Also, South State does NOT provide for online payments for mortgage only customers. I've been told that I must open a checking account with South State in order to make electronic payments and this would still require a two step process to transfer money into the checking account and subsequently make a loan payment from that account. This too seems like an attempt to generate additional fees for servicing the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This company under the Fair credit act is not authorize to report on my credit. I do not have a contract nor a agreement with 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 2019-03-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On around XX/XX/XXXX -XX/XX/2019. I discovered a former tenant stole my debit/credit card from my purse without me knowing until I went into the branch to take out money and was told over {$940.00} was gone having been spent at XXXX, XXXX, XXXX on gift cards to sell and buy drugs as he was a pain bill addict. While I was at the bank the fraudster was at a store charging at that moment. The teller cancelled the card and I went to the police and reported it asap. The thing is I have never used the card and charged on it. I just use the bank acct for my equity line of credit. I also have been at 5/3 for 20 years. I have a {$200000.00} line of credit. I have never filed a claim. When I called the fraud dept. it was a nightmare getting them to understand. I told them I thought I had the card but after looking for it realized it was gone. Just didn't know who had taken it until I requested the video from a store and the police officer did and we identified the fraudster. Then the police issued a warrant for grand larceny. I sent three police reports as the person charged in 3 different towns. It was very insulting for 5/3 to not credit me immediately and trust me. I appealed it and again they denied me my funds. This could have put me in a very difficult position if I had written checks against this account. My case # is XXXX. My account number at 5/3 is XXXX and the debit card was XXXX. I also asked why they did not have fraud monitoring for unusual spending on a card that HAD NEVER BEEN USED. And the police report was sent to them and the statement where they have issued a warrant. What more do they want. I am furious and would leave if I could. This person also took a XXXX card and spent {$200.00}. XXXX refunded me immediately. NO questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
OnXX/XX/XXXXI received an automated text from my loan servicer, saying that I had missed my payment. I was alarmed because I have my payments on automatic debit from my checking account. My payment comes out on time, every time. So there is no way I would have missed a payment, as the loan servicer, XXXX XXXX, had just taken money out of my account on XX/XX/XXXX 

I immediately called them and asked what was going on. Apparently a representative had entered my account, due to the fact that I'm on the Public Service Forgiveness Program, and messed something up which caused my account to show as being delinquent. I as assured by the customer service rep that this would be fixed and to call back in a week. I called back a week later, and it wasn't fixed. 

Now, I'm getting email alerts that my account is delinquent by 19 days. It's also reflecting on the monthly billing statement and it's showing on the website as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Me and my wife deposited a check of $ XXXX it was are tax refund we had it filled through a tax place the bank tells is us at the branch with us XXXX MO that there was a 5 day hold on the check then when that monday roles around me and my wife know we had money in are account my wife went to us her card to find out that the accounts had a - amount of what the check is we call the bank to find out that there found department put a hold on the check for 7 days witch is 2days more then what they said so Tuesday come around and the money is back in are account and the check is stell on hold so I call today to speek with some one to see if the can release the hold on the check becuase know sometime the can if the funds have been tranfered so I call at XXXX and I got a men that said I would have to speek with there froad department we transfard me to a guy that I couldn't understand his English and I ask to speek with someone that could speek plain English and he hung up on me I didn't get his name because for one he didn't say it or I couldn't understand home so I call back at XXXX the same day and they do the same but this time there is a girl that I could Under stand named XXXX didn't tell me her last name and they sayed that if I want to get the founds releases that I would have to talk to the branch I find that a little od so I ask to speek with her manager and she tell me that she can't and well not do so and what do you know hangs up me again I call the branch and guess what they say the froud department has to do it so some one here is lieing and there custmare survice needs to be looked onto these is US BANK the branch I go through is XXXX MO there is only one bank there please do something about this

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 2019-02-27
Company: United Recovery Solutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I recieven multiple calls from a foreign woman and the information on the voicemail was very hard to hear and understand. but basically I heard that I would be arrested at my place of employment and my debt needed to be paid. they need to hear from me within 48 hours otherwise something else would happen..

Company response to consumer: Untimely response
Consumer complaint received 2018-04-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX dispute late payment XXXX XXXX XXXX dispute late payment XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX TransUnion XXXX. Box XXXX XXXX, PA XXXX XXXX XXXX To Whom It May Concern, This is my second request first request report XXXX to have this information removed from my report. I got a response that I did not send the previous request along with some bogus excuse why this was not properly handled. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX, XXXX ) 2. ( XXXX XXXX XXXX XX/XX/XXXX ) 3. ( XXXX CA XXXX XX/XX/XXXX ) 4. ( XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL 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 2019-03-27
Company: Optimum Outcomes, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is very threatening. They are demanding payment. Threaten law suits. Say they will garnish wages. I have stopped answering when they call.

Company response to consumer: Closed with explanation