BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-22
Company: Atlantic Credit & Finance, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive daily calls at my employer from  Atlantic Credit , a company for which I have never done business with. I find this repetitive attempt to collect a debt, that I do not believe I owe  Atlantic Credit , harassment and I feel my employment is in jeopardy as a direct result of these repetitive phone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been on a repayment plan with Fay Servicing starting XX/XX/XXXX for 5 months. I was submitting my payments biweekly through my bank via bill pay. The unoffical payment plan was supposed to finish in XX/XX/XXXX and my regular monthly payment started on XX/XX/XXXX. Fay Servicing did not post a payment in XXXX on time ( they said due to XXXX XXXX ) despite me having proof from my bank, via bill pay that it was sent on time. This caused the repayment plan to be broken. I spoke to a manager who advised me she would work on re-initiate the repayment plant and I should continue to make my payments. 
As of today, Fay servicing has been holding in " suspense account '' approximately {$4500.00} and have not applied those funds towards my mortgage payments. I spoke to a representative yesterday, XX/XX/XXXX who advised me that I was in preforeclosure and I should be {$2700.00} to bring my account current and they could only use the funds from the suspense account in addition to the {$2700.00}. I was calling to find out what type of relief incentives they offering right now to people that lost their jobs due to Covid19. He advised me that I was not eligible for anything due to the fact that I was in pre-foreclosure. He also advised that letter was sent to me in XXXX letting me know that I was in pre-foreclosre, despite the fact that I had two full mortgage payments on the suspense account. 
This company is purposely keeping my money in suspense account to make sure I go into foreclosure. I advised the representative that I am a XXXX XXXX  and had XXXX last year and underwent several XXXX, which is I why I fell behind in XXXX. I tried to do a loan modification with Fay servicing, but hey denied me. The only thing they could offer me was a repayment plan, which I honored. The mistake was on their end and I have the proof from my bank with my bill pay report to prove it, but the representative was so rude and was not listening to me. He just reemphasize the fact that I just had to be the {$2700.00} and that was it. Now with Covd19, I want to make sure my affairs are in order in case something happens to me. I am an XXXX  XXXX  at a XXXX XXXX XXXX XXXX  in XXXX. I just started my regular full time schedule in XX/XX/XXXX, after my last XXXX in XXXX. 
Fay Servicing is a unscrupulous company with no compassion for its customers. I try and try to find a solution with them, to no avail. Each representative tell you something different on your account ; they do not take the time to reach the previous note.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt down to XXXX $ and then they suddenly say I owe XXXX $ + dollars. I do not appreciate it and then just today I get a certified letter that says They will do legal actions on me by the XXXX which is crazy for the debt I do not owe at all. I think they are trying to purposely due it because I owe nothing and did not until they started this. They purposely edited it and said I owed XXXX $ + They now expect me to call telemarketers numbers that I do not trust and talk about my personal information and they call like XXXX times a day. Which is very harassment fully. I did nothing to generate the amount at all. No one but them did it. I owed nothing at all on the card and such. They make you call things that are not even related to the debt and you talk to some company who does not state their name. Just some untrustworthy call center and the first notice they put they gave me a CELL PHONE number which means it is a fake debt because I know I owe nothing in 100 % honesty.

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 2016-10-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other

Complaint:
I am having a problem with Synchrony Bank regarding a JCP Credit Card. This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Synchrony Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter. Synchrony admits that they can not provide the contract as evidence n their response from another complaint I filed with the CFPB that I have attached. Synchrony Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. 
As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
Synchrony Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. I have also attached a copy of my credit report from XXXX XXXX, 2016 and XXXX XXXX, 2016 showing that their account is not marked disputed. 
Synchrony bank can not provide validation of the debt and they are violating Federal Law by not providing the credit bureaus with proper 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 2016-11-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
My Complaint is with Walmart credit card services. On XXXX XXXX, 2016 I was notified that my previous payment on or around the date of XXXX XXXX, 2016 was not processed and did not go through. On XXXX XXXX, 2016 I made another payment and was then assessed a late fee because of the last payment not going through. 

My payment on the XXXX of XXXX was made online while I was in training due to my job in the XXXX XXXX. I did not have sufficient service to ensure it went through. My complaint does not lie here as this was my fault regardless of the situation. 

My account was then frozen some time after the XXXX of XXXX and my account marked delinquent due to one missed payment. I have missed a payment before with banks such as XXXX and I simply paid my bill and penalties and all was good to go. Walmart credit card services froze my account and then raised my minimum payment from {$25.00} to {$84.00}. The {$84.00} payment was due on the XXXX of XXXX, 2016. I paid at XXXX XXXX Central Time on the XXXX of XXXX. Despite this and my payment stating it was processed online on the XXXX of XXXX. My account was tacked on with another late fee of {$35.00} dollars. I was told by a manger named XXXX in the Customer Service dept that despite when you make a payment, Walmart Automatically initiates a pre late fee, which is taken off the account once the next billing cycle is over. 

This type of banking practices has led to my account being taken hold for over {$160.00} dollars until the next billing cycle goes over. I was also told numerous times that the credit card dept. could not take the hold off my account and it was done easily today once transfered to the US serivce dept. 

I 'm also aware of my SCRA benefits as a service member and have had no issues with other banks when enacting my rights. With XXXX, I simply told them I was in the XXXX and that day my rights were enacted, my money refunded, and my interests rates lowered. With XXXX XXXX, I simply had to wait a week. With Walmart, they want a copy of my XXXX XXXX orders in the mail which I feel is not a proper way to send XXXX documentation. Still, I will send my XXXX but I do n't understand why XXXX companies did not require them and the one that decides to give me 6 hours of headache is the one that requires them. 

Payment Confirmation on XXXX/XXXX/16 of 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 2016-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
When you make a loan from your checking account, you are advised that you will be charged a fee of {$35.00}. It does n't state that you will be charged an additional {$35.00} extended overdraft fee if your account has not been brought to a positive status within 5 days.

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 monetary relief
Consumer complaint received 2017-05-22
Company: TimeMark Solutions, Inc
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I called and thought I was speaking to a   XXXX   customer service rep. However by the end of the call I realized I was not. This was a company called time mark solutions. I gave them my social my debit card as well a license number. They did n't tell me until the end of the call when they were " supposable '' sending me my paper work that I never got that they were n't  XXXX  they were a debit consolidator. Here is there number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Today I received 3 envelopes from Navient -- one for bill/statement due for $ XXXX dollars due in a few days, one for 3 different minimum payments, one for how my payments would be processed. The one with the due bill showed that my student loan increased and I had to pay a sum I was unable to afford since I am a participant in the income-based repayment plan. Since I only recently attained a full-time job, I had n't been able to pay my loans before this year and only just managed to save enough money to not worry about paying my loan with my other bills. I never received any notification that my IBR plan was up for renewal ( which it normally is around tax season ) through the mail or an email. When I called Navient to ask about my IBR, I also asked why my student loan suddenly increased from about XXXX to XXXX ; I was told that I was being charged interest when in previous years I was told I was not going to be charged interest since I was a student taking out the loan rather than a parent, etc. I was also told that I would not be charged interest on a subsidized loan but would be charged interest on an unsubsidized loan -- I have both and saw on my online account that I was being charged interest for BOTH my subsidized and unsubsidized loans, from both of the universities I attended. I am being charged 4.5 % interest on the subsidized loans and 6.8 % on my unsubsidized loans. I even picked another month at random to check, and I picked a statement from XX/XX/2016 and compared it to the statement I was mailed ; the XX/XX/XXXX statement was the original amount I knew I owed WITHOUT any interest. I just applied to renew my IBR plan ( now I just have to wait to hear back after my application is processed ) and the representative who helped me put a forbearance through for this month so I would n't have to pay an amount I ca n't afford at the moment. I still do n't understand how I am being charged interest suddenly when I was under the impression the last few years that I would n't be charged interest and I could pay my loan without worrying about accruing much, if any, interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
( 1 ). In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 a account without my written instructions.

( 2 ). In accordance with the Fair Credit Reporting Act XXXX XXXX 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 a account without my written instructions. 


( 3 ). In accordance with the Fair Credit Reporting Act XXXX XXXX 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 a account without my written instructions. 


( 4 ). In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 a account without my written instructions. 

( 5 ). In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 a account without my written instructions.

( 6 ). In accordance with the Fair Credit Reporting Act XXXX 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 a account without my written instructions. 


( 7 ). In accordance with the Fair Credit Reporting Act XXXX XXXX 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 a account without my written instruction.

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 2017-07-10
Company: Experian Information Solutions Inc.
State: NY
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 disputed inaccurate information and requested that they look for fraud or identity theft. They did nothing. I asked for them to send me documentation of the contracts with the merchant that reported the negative items and they still did nothing. This company is blatantly avoiding following the law and the negative items they report in error should be removed immediately. Delete these items for lack of verification and or fraudulent since you can not verify. XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX  Account XXXX Unverified, Inaccurate or Not Mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
Company: CL Holdings LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Jefferson Capital Systems has reported to the credit bureaus a debt on my credit report without first notifying me, and also not providing any information as to an account #, or who this debt is with ... I have no knowledge of this debt and yet its been reported on my credit reports ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Received HELOC from SunTrust around XX/XX/2020. Sun Trust transitioned to Truist and my payments were not being recorded thereby decreasing my credit score by XXXX points. I have spoken to multiple Truist representatives and they are unable to assist despite the fact that they see the payments. Truist also changed part of the loan to a variable interest to increase their profit margins.

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 2021-10-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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 The following accounts are all fraud and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I Called XXXX XXXX And trans union trying to get these credit inquires off my credit report which are effecting my score. All have told me well just to lock my credit and they cant get the inquires off my report. I only have XXXX accounts XXXX with XXXX XXXX  and XXXX with XXXX otherwise they are not mine. would like for them to come off my score so i can start making my credit better.

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 2021-10-28
Company: DFC Global Corp.
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I  am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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