BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Store associate explained that I was getting an in store promotion for a discount. I explained I did not want to apply for a credit card. She said I wasnt. She asked for my license as I was paying with a credit card, and soon afterwards she hands me a credit card application stating that she only gave me a discount. I get a notification later that Ive been approved for a credit card I did not apply for. 


This is was in XXXX XXXX in XXXX XXXX, FL on XX/XX/XXXX. I explicitly stated I did not want to apply for a credit card.

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 2022-10-28
Company: Aldous & Associates, PLLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Gym location I joined closed permanently ( XXXX, NJ location ) in XXXX ; therefore, I cancelled my membership and put it in writing as instructed to do so by XXXX in Membership services and XXXX in Accounting. They moved XXXX memberships to XXXX XXXX location in XXXX and said they would freeze my membership and asked me to reconsider my cancellation. 

I said I did not feel safe coming back to the gym due to the Pandemic and because I had family members who died from exposure XXXX in similar environments. 

XXXX said he never got my cancellation letter that I hand delivered to the front desk and said to mail it ; which I did. Now he is saying he never received my cancellation letter from XXXX and that my membership was unfrozen in XXXX, XXXX without my knowledge or consent. I again reminded XXXX that I did as he instructed and cancelled my membership in writing-twice now. My membership was a joint membership and the other membership was cancelled with no issues. I feel as though I am being targeted and preyed upon for {$190.00} which according to XXXX at XXXX XXXX includes Attorney fees and other fees. I followed XXXX XXXX 's protocol for cancellation and they are still demanding that I pay fees for which I cancelled the membership a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Good Evening, my name is XXXX XXXX. I am writing you this evening to let you know that I have contacted Credit Acceptence Corporation today to see if they will be willing to work with me due to currently not working due to the Cornoavirus. I have stated to the  lady that I go back on the XXXX of XXXX because my job is opening back up then and I will be able to make my payment once I receive a pay check. I have had my car now since XX/XX/XXXX the 2019 and I currently pay XXXX per month. They are not willing to help me and frankly they were very cold hearted. We are being forced not to work right now due to the Cornoavirus. Can someone please help me? Thank you. Sincerely 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 2022-10-28
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received Shellpoint package of letters stating that they were correct in reporting my XXXX payment was late. What was missing was Shellpoint letter from XXXXXXXX XXXX XXXX clarifying that Shellpoint is my loan servicer. 

The notice I received from XXXX XXXX XXXX stated XXXX XXXX is my loan server NOT SHELLPOINT ( See attached ). I paid XXXX XXXX as directed by XXXX the XXXX mortgage payment. 

In XXXX Shellpoint said that they were the loan servicing company not XXXX XXXX. I took their word for it and paid the XXXX XXXX XXXX XXXX Payment noting to Shellpoint I Paid XXXX XXXX for XXXX. 

Shellpoint took two months to get the XXXX XXXX XXXX payment to be returned to Shellpoint on XX/XX/XXXX. As a result Shellpoint delays and not accpting XXXXXXXX XXXX XXXX instructions seriously ruined my credit by reporting me late for the XXXX payment. 

My complaint ; I still do not have proof that Shellpoint reached out to XXXXXXXX XXXX XXXX to correct their instructions that XXXX XXXX is my loan server, not Shellpoint. Shellpoint had no right to the XXXX payment as XXXX ( see attached ) clearly states for me pay XXXX XXXX the XXXX payment. 

Shellpoint said they sent me a welcome letter, which I told them I never received. If I did, I would not have reached out to XXXX to ask who is my new loan servicing company. 

Shellpoint customer loan service does not take calls or ever called me. Shellpoint or XXXX XXXX XXXX never told me or stated that Shellpoint was my loan server for the XX/XX/XXXX payment ... ... .Only XXXX  stated that XXXX XXXX XXXX my loan server 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 2015-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Applied for a home refinance with my current lender BofA XXXX 2015 and due to gaps in their process my credit report expired and at some point reran my credit and are now refusing to proceed with the loan, since XXXX of our credit scores is XXXX and their minimum threshold is XXXX. The delay in getting this done in an appropriate amount of time was due to documented and admitted gaps in BofA 's processes. I have emails with approval from their senior management stating loan is approved. I have a good faith statement that they sent to after they had rerun credit and knew it was below XXXX because they said would proceed with the loan due to their delays in the process. Now 6 months later I get a call stating that some committee is not approving my loan with since not at XXXX credit score. This leaves me and my family in a very precarious financial situation since the intent of the refinance was to combine a XXXX and a XXXX and credit card debts to make our monthly payment more affordable and which they had agreed to do and kept us engaged with requiring information again and again and promising that it would get done, which is all we want. See attached documents and approvals.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have already submitted a complaint about XXXX/Navient. I remembered another piece of information about how they treated me unethically. Since they would n't offer me any type of solution to reduce my payment ( I was behind on payments because I could n't afford them and they would n't help me ), they did offer me to take my past due balance of over {$2000.00} ( That 's just from a couple of months of missing payments ) and they would reduce it to {$0.00} so I would n't be defaulting, but they were going to capitalize it on the principle balance. I also discovered looking on my Navient account history that when I had only been out of XXXX school for 6 months, they already capitalized over {$9000.00} on to my principle! XX/XX/2008 Capitalized Interest {$9900.00} I graduated XX/XX/2008

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX credit bureaus are not reporting XXXX account from XXXX XXXX that was already paid in XXXX of 2015 that is affecting very badly my credit. In my latest credit report of XXXX/XXXX/15 they still reporting incorrectly the account as bad debt and charge off as bad debt. Attached is the following : 1-the proof of payment settlement. 2- is the information that is being reported by the XXXX credit bureaus. This complaint is against ( Transunion ) Credit Bureau

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

State of Michigan Child support, # XXXX, State of Michigan Child support : # XXXX, State of Michigan Child support : # XXXX, XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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,XX/XX/XXXX, XXXX All have done Avery poor job updating accounts that either do not belong, not updating my score when balances are paid down or paid off. This has affected my chances of borrowing or getting a bank loan. Im tired and frustrated by the harm these agencies have caused.

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 2021-01-13
Company: EQUIFAX, INC.
State: CT
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:
XX/XX/XXXX {$1700.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$1700.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} Sent letter to company confirming the violations committed by saying I owe alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Select Portfolio Services bought my mortgage from XXXX in XX/XX/XXXX. 
XXXX told them I was behind 3 months in payments which I was not. Those months were XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX 
SPS paid XXXX for those 3 months when they acquired my loan. 
I have a bank statement showing each of those months paid to XXXX from my account. 
Question why are they buying a delinquent- perhaps an easy foreclosure???? 
They did not realize I was on chapter XXXX ergo they could n't foreclose or even ask me for the money they thought I owed. 
After Ch XXXX I received lots of stuff in the mail about money I still owed and my lawyer said do not pay anybody so I did n't. 
XX/XX/XXXX the first I receive a letter from SPS saying I owed them XXXX plus. I sent them a certified letter with copies of payments to XXXX for those months. 
XX/XX/XXXX I get a letter saying I owe them XXXX. My letter was received by them on XX/XX/XXXX and signed for by XXXX at XXXX. 
Select Portfolio Services-XXXX I only get a flunky when I call so there is no contacting someone in charge. 
The XX/XX/XXXX letter ask for XXXX by XX/XX/XXXX I called and asked the flunky if there was anything on the screen about the certified letter and copies I had sfnt and she said no. 
I 'm really stuck and really scared of these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This information is regarding complaint XXXX and the response from Bank of America claiming that they did not committ prejury and Fraud. I have attached XXXX pages that show that itself is a lie.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
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: Information belongs to someone else

Complaint:
The following accounts listed below are fraudulent accounts and does not belong to me. They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : -XXXX  XXXX XXXX XXXX -XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX -MERCANTILE ADJUSTMENT BU # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
MCM , Inc. continues to pursue me in a matter that was dismissed in the XXXX XXXX XXXX XXXX XXXX Arizona on XXXX/XXXX/2014. The company continues to negatively report a debt that I do not owe to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: ONLINE Information Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Online Information Services claiming I owe money to XXXX XXXX XXXXXXXX XXXX, with an account number that I do not have with XXXX XXXX XXXX. 

None of my accounts with XXXX XXXX is the number Online Information Services listed in their letter. 

I request Online IS to request Verification from the XXXX XXXX XXXXXXXX XXXX, and send me a written letter with Debt Verification or lack thereof, once they receive the answer. 

I spoke to Online IS twice today. 

1. In both conversations, all of a sudden, when I was asking questions, in a courteous way, the line was disconnected, which I don't think can be accidental, twice in a row, 30 mins apart. So Online IS Customer Service, disconnects the calls intentionally, instead of answering fair but tough questions.

2. They also refused to send me a written confirmation if it turns out that I do not owe them or XXXX XXXX anything. Which I think is illegal. They sent me a letter claiming that I owe them money, yet refused to send a letter if it turns out that I actually DO NOT owe them anything. 

Please look into their practices, and please make these Debt Collectors to provide letters to confirm when alleged debts turns out not to be true. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREIT MANAGEMEN XXXX NOT MY ACCOUNT I SENT DISPUTE THEY DENIED MY DISPUTE SEVAL TIMES

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MI
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 is my XXXX attempt to notify you that I am a victim of identity theft and I SEND a COMPLAINT to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about CREDIT BUREAUS ' accuracy and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) these items below must be deleted from my report : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I made a purchase at XXXX in XXXX, as I was going to pay, the cashier offered to apply to a XXXX credit card. I had shared I already had one and she said if I applied I would be able to get a XXXX version. I applied under the impression that I would simply get an upgrade given that I had a standing account, however, I just found out on XX/XX/XXXX that was not the case. 

I paid off my outstanding balance on what I thought was the card on XX/XX/XXXX, however, I received an Experience notice that I was delinquent on my XXXX account. 

I logged onto my XXXX XXXX and saw a {$0.00} balance, however, when I called to speak to customer service, I learned that I had 2 accounts and not just one. I was upset because I feel this was a misleading and predatory credit card application technique. 

I only spent {$160.00} and it cost me {$200.00} dollars to pay off and nearly XXXX XXXX points. I went from Very Good credit to Poor in less than 2 months. This practice of offering credit cards and not being clear right at checkout is malicious. I paid off this in full balance and opted to close both accounts. Something similar to this happened to my mother and I did not realize how bad this was until now. I feel I have generally healthy financial habits, but how many other consumers is this happening to?

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

State of Michigan Child support, # XXXX, State of Michigan Child support : # XXXX, State of Michigan Child support : # XXXX, XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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