BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-01
Company: PRESTIGE FINANCIAL SERVICES INC
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have been behind on my vehicle payments a couple of months and trying to make arrangements. I explained my situation of switching jobs and being a victim of XXXX which led to a custody battle that led to me having to come out of pocket for attorney fees. I advised a representative I could not follow through with the arrangement at the end of the month as my rent is due which is first priority, he asked me was I behind on my rent by 60 days and I could not afford to not follow through the arrangement and make the payment I agreed to pay 48 hours before the payment was to be drafted. They failed to cancel the payment from my account which is going to result in a non-suffient funds fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Issue: Other

Complaint:
I am a long time customer of Capital One - have XXXX of their credit cards. Because I am applying for a mortgage, I used their App to check my FICO score. Although their App says XXXX, that is not the case. Regardless, its lower than it should be ( around XXXX ). I determined that the lower FICO score was because of an unpaid transaction to Capital One. The dispute is regarding {$7.00} due to XXXX. However, XXXX says my balance is " XXXX ''. Months ago, I switched my autopayment from Cap 1 to a XXXX XXXX. So I do n't know how Cap 1 determined I have an unpaid balance when the vendor, XXXX says otherwise. I conducted an online chat with both parties to determine what 's going on, and later spoke to a Cap 1 representative by phone. Because the difference in mortgage interest rates is massive, I went ahead and paid the Cap 1 bill and that payment should be processed in a few days. However, it might take 30 days or longer to have the correction updated in the XXXX major credit bureaus. I need to have an accurate FICO score immediately. Can you help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Message sent to CMRE : I had received a call from CMRE and missed the call. I returned the call and got on the call with an EXTREMELY rude person who insisted that I need to pay bills for XXXX of my family members from as far back as 4 years ago. She continued to interrupt me when I tried asking what the bills were for and why I was just now hearing about them missing payment. I asked several times for her to send me documentation as to what the bills were for and from what doctors, so I could do my research and confirm that they had not already been paid. She told me I could refer to my EOB ( remind you some of these were from 4 years ago ). The most recent charge was from XXXX 2015, which I explained was currently under " audit '' from XXXX XXXX XXXX and I would not be paying that since we had already reached our " out of pocket maximum '' and that I could not pay that until the audit is complete. I feel as though I was being BULLIED to make a payment with no further explanation or back up information. 

If I was one of the doctors offices that you were representing and this had been outstanding for 4 years, I would not be impressed since this is the 1st time that I recall having received a call from this company. I have never had an issue with paying my bills, but I will not just arbitrarily pay something that someone " SAYS '' I owe without any documentation/information. 

I understand that you have a tough business, but rather than treat every person that you call like a POS and try to bully them into paying you and making you go away, you might want to consider trying the kind ( you get further with honey than you do with vinegar ) approach. Maybe I just received a call from someone that was having a bad day or that was not properly trained, in that case please feel free to have SOMEONE ELSE call me back to further discuss. Or, if this is your common way of handling business, please be sure to understand that I WILL find out what doctors use your service and make a formal complaint about the way that you " handle '' your customer service, by not making contact for 4 years and then when you do finally make contact, you try to bully them into immediate payment without providing further information.

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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened an account with Bank of America in 2016. Bank of America closed my account because a check came through that did not clear. I did not receive payment for the check but they closed it and labeled it possible fraud. Although no fraudulent activity was found my account remained closed and when I try to open a new account with another institution they deny me because of this account with Bank of America. I tried to resolve this with Bank of America and they say they report it for 5 years and then remove it. It has been five years and it is still showing up. Can you please help me resolve this issue? 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 2021-01-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I sent XXXXXX/XX/XXXX an validation letter so they sent me a copy of my contract. From the contract XX/XX/XXXX, Equifax and XX/XX/XXXX has been reporting the wrong information on my credit report. I been disputing this account for about 5-6 months and they continue to report incorrect information. I've sent the contracts first primer has sent to me and they still reporting it. They also all are reporting different things on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Sound Collection Services
State: CA
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:
I applied for an apartment at XXXX XXXX. They use a screening company called Sound Screening Services based in XXXX, WA. There was no mention of a 'hard ' credit pull during my application process. I wasn't able to secure an apartment with XXXX despite having excellent credit and income. Now I have an inquiry on my credit report which is adversely impacting my credit score. I'm currently a California resident and over here there is no reason to pull a hard credit inquiry for a renters application. Hard inquiries are only pulled when applying for credit/loan. This hard inquiry on my credit should be removed because I didn't secure the apartment and because it was not properly disclosed in plain XXXX that my credit would be impacted by hard inquiry. I'm still looking for an apartment and it doesn't make sense to be penalized for shopping around. This is highly unethical.. please remove the hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
On XXXX XXXX, 2015 ACE CASH EXPRESS withdrew the final payment on a loan I had taken out with them with a 6 month repayment plan. The payment went through fine and there were adequate funds to cover it. Two weeks later ACE CASH EXPRESS began calling me non-stop, stating that the payment had been returned by the bank because of insufficient funds. I checked with the bank multiple times and this turned out not to be true- the statements show the payment cleared. When I informed the lender of this they told me I had to prove it and have continued with harassing phone calls and demanding money telling me it had gone to collections. In order to stop the harassment I sent in an extra payment. Please note this lender also provides borrowers with no documentation of their loan, no online account access where you can see how much you have paid and owe and so on. Borrowing from ACE CASH EXPRESS is dangerous for consumers. I have attached my bank statement showing the payment went through successfully on XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
Capital One charged off {$1700.00} of a {$2300.00} balance, leaving me with a {$1200.00} balance ( according to XXXX XXXX, the account is in charged off status ). The account was closed and charged off and removed from the Capital One website where I could make payments. The account was assigned to their collections department. I made several payments through XXXX XXXX, as I can only make payments when she calls me. I 've asked her to relinquish control back to me so that I can make payments. She refused. I 've also asked other people at Capital One if relinquishing control over payments back to me was possible and I 've been told the same thing. I 've told her on several occasions that she calls me at times of the day where I can not answer my phone as I am with clients at work ( I work with XXXX ). She has told me that there is no minimum payment required on the account or a due date, however, when she can not reach me and has not received a payment ( only as a result of her calling me ) she reports to the credit bureaus as late. She recently ( XX/XX/2017 ) reported a late payment and I lost XXXX points on my credit score. There is no way for me to able to get this paid if I have to wait for her to contact me to pay this account. This has been going on for several months. I just learned about the CFPB on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We have a mortgage on our primary residence with BofA that is delinquent. During the last 2 years we have been caring for by a son with XXXX XXXX XXXX who has needed our assistance, we are his only family. We are retired, my husband is XXXX and I am XXXX. We have a small business that we had to neglect to help him out. We were also unable to file our XXXX taxes but did get an extension. His surgeries and treatments have been expensive and time consuming. To save our home we sought and were approved for a reverse mortgage that fell short of the balance owed BofA. We have enough money to bring to closing to cover the principle but not the accrued interest or penalties. We have asked BofA to accept this. It is not dissimilar to what a home owner would request of a mortgage modification or short sale. After XXXX other complaints with CFPB they told us that they could help us. We were asked to provide all of the HAMP documentation which we have completed. Yesterday we were informed that they could not consider our case because we did not file a tax return for XXXX. I did some research and found via the HAMP website that is accessible by the servicers that in their FAQs that we are eligible for a modification even if we do not have a tax return for that year as long as we sign and send a Form 4506-T which we have done. I have also found in the HAMP Supplemental Directive XXXX that if tax returns are not available that other means of determining income verification can be pay stubs or bank statements. I have attached those references. We have provided 3 months of bank statements with income deposits indicated for our business, pensions and social security payments. We have provided a detailed P & L for XXXX, YTD XXXX and a pro forma for the remaining months of XXXX. We began this process in XXXX and have very little time before the reverse mortgage will expire. We informed BofA of this but it really feels like they are dragging their feet. We make daily and sometimes multiple calls per day and it has been typically 24 to 36 hours to get a response. We have talked or left messages with supervisors and supervisor 's supervisors and now are told that they will not consider our case. This seems like an inappropriate conclusion made by BofA and it feels like since we have equity in our home that it they do n't need to help us out because when they foreclose they will be made whole. It also seems inappropriate that assistance is offered to every other kind of situation but no assistance is available to us. We have demonstrated the ability to qualify for a reverse mortgage and can cover the principle balance. Their reason for refusing to consider our request appears to us to be incorrect. Can you help us or direct us to someone who can. We have about 10 days to get this done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Transaction issue

Complaint:
We bought a bed at XXXX in XXXX, XXXX We filled out an application for XXXX separate credit cards with Synchrony Bank . XXXX was approved at {$5500.00} and the other XXXX approved at {$2700.00} for the full purchase price of {$8200.00}. The transaction was all charged to the XXXX card approved for {$5500.00}. We have called the store 8x and customer service 8x to have to charges corrected to reflect on both cards. Synchrony bank will not fix the transaction. The store says they ca n't either. The transaction shows on the monthly statement as all being charged to XXXX credit card. It shows the card is being utitlized 141 % of the credit allowed. The transaction has destroyed out FICO XXXX points negatively. They will not correct the problem to put the charges on both credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was off work on medical leave for 3 months. I slipped a bit on some of my bills. I sent Synchrony ( Lowes ) a payment to get caught up after I received an insurance settlement. They had already cancelled my account. I had been sending them money but they said it was n't enough. They call my house anywhere from 4 to 10 times a day 7 days a week. The same for my cell phone. I set up a 2 month payment with them and made the payments. The day after my second payment they called and asked for more money. I know I owe them and do n't need reminded 70 times a week. I am getting back on my feet and sending them some money but they are killing me with fees and charges on an account that is closed.

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 2016-06-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XXXX/Synchrony Bank Letter of complaint Enclosures : 1. Synchrony Bank Statements, Closing : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX. 
2. XXXX XXXX Invoice dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX # XXXX XXXX & XXXX XXXX. 
3. Synchrony Bank, Fraud Solutions Department Letter, Dated XXXX/XXXX/XXXX. 

To whom it may Concern : In XXXX of XXXX I received a statement from XXXX/Synchrony Bank with a statement close date of XXXX/XXXX/XXXX ; however this account had been closed since XXXX XXXX, and paid off in full. 

I contacted Synchrony Bank and they confirmed that the account was closed and no payment was due. 

However on XXXX/XXXX/XXXX, I received a letter from Synchrony Bank, Fraud Solutions Department stating that the amounts are due and there is an outstanding balance on my account ( see attachment # XXXX ). 

I have attached and reviewed all purchases invoices and bank statements regarding these transactions which total {$3700.00} dollars ( USD ) ; which was the amount agree to and paid. 

After my conversation with Synchrony Bank, Fraud Solutions Department ( P.O.C. XXXX ), I believe I 'm being charged some six month later for some free / Promotional art work that I received ( see attached statement XXXX/XXXX/XXXX ). Because the amount on the invoice of {$3700.00} and the amount billed of {$3700.00} are the same amounts that I paid ; the free art are shown as XXXX in the invoice price column ( XXXX, XXXX, XXXX, XXXX, & XXXX ). 

I did n't authorize these charges on an account that had been paid in full and closed for SIX ( 6 ) Months ; and if XXXX XXXX would like its free art work back I would be more than happy to send it back to them. 

However Synchrony Bank had no authority to accept a charge to an account that had been closed for six months, and I believe their action is outside the scope of a banking institution. 

I want this account zeroed XXXX XXXX XXXX out and closed, and if XXXX XXXX would like its free art work returned they can contact me and we can make arrangements for that to happen ; however that is not the business of thee banks ... and this account should have never been charged.

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 2021-01-05
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has been sending me a bill for months about something that has been paid in full on XX/XX/2020, according to my health insurance. He is using Capital Accounts to seek to collect a false debt that has been paid already. 

My concern is that they won't stop calling me on the phone and my health insurance called XXXX XXXX and he said he did get paid and he would contact them to stop harassing me for the amount that has increase now to XXXX dollars. But he lied and the calls kept coming. In a recent phone call with the insurance company listening to his every word, he said I was irresponsible because I have not paid this bill. 

Sadly, Capital Accounts is getting an attorney to come after me for this false debt. The XXXX dept at XXXX XXXX XXXX said that XXXX XXXX was paid once and he was trying to get paid more that once for the same visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: H & S Financial, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Today in the mail I received a letter from H & S Financial Inc. located at XXXX XXXX XXXX XXXX, TX XXXX. The letter stated I owed them {$8000.00}. They are claiming they had a judgement against me for the amount of {$8000.00}. I have never occurred such a debt. In fact, I went through six years of credit reports and it 's spotless with the exception of XXXX XXXX late payments, which were accidental. 

At no time was I served papers for a lawsuit. I never had a chance to appear in court. I never received any official court documentation. They did a hard credit pull without my permission. If there is a rule H & S Financial Inc. broke it. 

I am not paying the debt as it is not mine. I am filing a complaint with the FTC as well and will be sending certified letters to both H & S Financial Inc and the FTC stating the above with a request to do not contact me regarding this fraudulent attempt to collect a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation