BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX in prior years and since XX/XX/2022 and now recently XX/XX/XXXX. XXXX XXXX have been calling me every other day and so often calling sometimes 3 times a day and sometimes as frequent as twice a day. So they call from so many different numbers and even has tried calling from my hometown area code in hopes that i will answer because it's a local number. Luckily I have a smart caller ID on my cell phone. So what I do and have been doing is blocking every number they call from. It's really getting annoying and harassing. They have bought this debt from Synchrony Bank and have changed and updated there connect with me. This debt was closed by Synchrony 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 2016-12-16
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
As I was going through my battle with XXXX XXXX. XXXX was involved in the process without my knowledge through my medical provider. Since then this has been turned over to collections and now lies with a law firm XXXX and XXXX. XXXX # XXXX. Since their acquiring my account I have Received over XXXX legal threatening phone calls and voice mails of which I kept records. Letters threatening legal actions and account freeze, income garnishments, etc. 
I have a copy of my credit report that I personally obtained and the " Original Ceditor is C.S.I. XXXX and the collection agency is National Credit Systems. 
Due to my illness, I am currently on XXXX. income and have XXXX insurance with complete coverage of all medical bills. On numerous occasions, I attempted to pass this information on to National Credit Systems they refuse to take record of this info. and my every attempt to contact XXXX and XXXX. has been met with contempt and threats to pay in full or they will proceed. 
My XXXX insurance has been effective since XX/XX/XXXX and I wish to resolve this matter A.S.A.P. so my Credit Report can return to its deserved position. 
Respectfully, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: FIRST HERITAGE CREDIT LLC
State: AL
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:
Im a victim of identity theft. I have no acknowledgment of applying for these

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: EQUIFAX, 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:
The aact was paid in full... it has NEVER been a collection acct ... but equifax refuses to properly vett the acct and remove the negative comments. Equifax has it listed as a collection acct... it is not.i don't think equifax is doing a thorough investigation to try to correct the negative information. XXXX XXXX XXXX XXXX XXXX  will let them know this not a collection acct ... equifax refusal to remove this is causing me credit denials and I think they are doing it on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a rental property valued at {$50000.00} more than what is worth, tried to keep afloat by renting at much lower amount than my mortgage. In the meantime, my husband and I have used just about all of our savings to pay for other necessary expenses such as : property management fees, homeowners insurance, homeowners association fees and other expenses related to the up-keeping of the property. Throughout the months I have contacted my bank ( Wells Fargo ) seeking some assistance as to it has gotten harder and harder to financially support the avoidance of foreclosure but to no avail all I heard was to do a short sale or foreclose and was told you do n't qualify for any of the programs because your loan was not from XXXX XXXX or XXXX. Now, after struggling to make payments on time I have been late 2 times and they are telling me that because I was late I am not eligible for the program ... .very deceiving, called 4 months ago and was told that did not qualify for any assistance even if I was up to date now, because we were late 2 times we do n't qualify because of it. Getting assistance from family has allowed us to make payments on time but is getting harder since the situation is not getting any resolution. Please assist us in finding ways to continue to pay for the property at a reasonable price and to be able to avoid foreclosure since it does not benefit any participating party. We want to do the right thing!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The credit bureau are reporting XXXX fraudulent collections where my identity was stolen. I have my police report and I am sending in the documentation

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
prior claim XXXX still not resolved - Suntrust is still holding on to the wire transfer money refusing to send it back .I had been dealing with XXXX XXXX to try & get this resolved. 
Seems Suntrust back in XXXX was contacted by the XXXX  XXXX XXXX to recall the wire. Suntrust refused at that time. Now since they refused XXXX  XXXX XXXX can no longer request this. I personally called the XXXX  XXXX XXXX & they stated since the account has been closed the funds should automatically be returned to them for their client. Suntrust has these funds since XXXX it was a wire. 
I have tried to contact XXXX XXXX- at XXXX XXXX, to see if Suntrust can send a cashier check to the maker of the wire. I have not received any calls back. 
I can sign a hold harmless so the funds can be sent back to the XXXX  XXXX XXXX for their client. I have asked since XXXX on numerous recorded calls to suntrust requesting this be returned. 
It seems like the only way I have gotten any resolution to this was to file a complaint. Suntrust has no rights to keep these funds. they finally after fighting & filing a complaint released the funds do to me that were being held. Now it seems they are not being compliant again in releasing the funds back. They have it on record & can contact XXXX XXXX at ( XXXX ) XXXX who had been handling this for her client- she is an officer at the XXXX  XXXX XXXX XXXX 
Please I ask again for your agency to step in to get this resolved. 
thank you 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 2016-06-04
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have an installment loan with cashnetusa. The loan is for XXXX. They take roughly anywhere between XXXX -XXXX out of my account every two weeks making it very difficult to pay it back in full. I would like to know if this company is legitimate and if the " fees '' that they are charging are legal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: AXOS FINANCIAL, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We bought our home XX/XX/XXXX. We got approved through Axos Bank, they currently hold the mortgage. Everything was going smoothly up until XXXX of this year XXXX. We were paying the payments over the phone on the Banks automated phone which gave no confirmation number just said payment was accepted. Now in the second week of XXXX we received a default letter stating we did not make our XXXX payment. We then had to send in double payments for XXXX and XXXX which caught us up, the error was Axos Banks error. We thought that the problem was resolved because Axos bank stated that they were having computer issues. From this time on we stopped using the phone and found the internet site to make payments and since we have been receiving confirmation numbers. We have been trying to talk with Axos bank and resolve this but every time we explain where the error started to make it easy for them to correct we get told we will be contacted within XXXX to XXXX hours on this issue and no one ever calls back. We did not realize that from XX/XX/XXXX until now they were putting our monthly mortgage payment as a partial when inturn we have always been making the full payment. Every month they meaning Axos Bank keep sending us default letters and added charges up now over XXXX dollars. A few months back we received a check for XXXX as a rebate from the escrow which makes no sense to us. Our bank records show all of our payments have been current since we first started the mortgage. We get paid the fourth Wednesday of every month as we are retired. Axos bank on the fourth Wednesday of every month gets paid for the next month when the payments are due on the first of every month. The mortgage is paid any where from four to seven days early. We have never missed a payment. We found online a few weeks ago an email address for Axos bank and we emailed them and we were told in email that a lending manager would contact us and noone ever did. They also meaning Axos bank hit our credit which was very good before this now they show on the credit report we are behind a month and the credit went down XXXX  points. We have zero credit cards and we are down to 2 payments remaining on a 6 year car loan and have never missed a payment. This problem all started with Axos banks payment error. They will not correct. Weve contacted them every month when we get the default letter, we even give them the date and month of there error to make it easier for them to correct. Our bank records are our proof of payment every month. This has put an awful strain on us considering we took the loan in the heart of Covid 19 when the country was shut down and noone was working. All we are asking for is this issue to corrected and our credit restored. We can provide all bank statements from when we first started the mortgage to present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Incomm Holdings Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Complaint against Vanilla Gift card. Card was purchased as a gift in the amount of XXXX dollars, from XXXX grocery store. The card funds were stolen in less than XXXX hours. Contacted Vanilla Gift card they said they would email a form. Never happened. Card was purchased on XX/XX/XXXX. Funds were gone by XX/XX/XXXX. I seriously doubt I will get the money. It was spent. Talked to 3 agents. Git the run around. 1 agent wouldn't even talk.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i received a response previously from this company advising that payment was made and this account is being updated but I have never made a payment and i sent the documents previously where this debt is apart of identity theft but this company refuses to delete this erroneous information from my credit file i have police report and affidavit reflecting that my identity was stolen this company refuses to recognize the uploads of the affidavit and police report from the cfpb

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: FL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Reason : FDCPA section 807 Violation misleading false reporting Company name : XXXX XXXX Account number : XXXX Reason : Misleading false information This is a HIPPA violation you can not report health information on my credit report Company name : XXXX  XXXX Account number : XXXX Reason : Misleading false information This is a HIPPA violation you can not report health information on my credit report Company name : XXXX  XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Reason : Validate account. Prove it. Give me the signed contract that gives you consent that contains my signature giving you consent to do so Company name : XXXX Account number : XXXX Reason : Misleading false information This is a HIPPA violation you can not report health information on my credit report Company name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A collections report keeps appearing on my Credit Report for a debt that is not mine and I am never notified of the debt until it appears on my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: Arbitration

Complaint:
Wells Fargo bank refused me credit card XXXX. 

I have credit line for over XXXX $ using only XXXX-XXXX % of revolving at any time with several other banks.I have perfect repayments record. I felt odd when the conversation happened where they asked me to send a copy of my 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 2015-11-10
Company: Security National Automotive Acceptance
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My husband and I only missed XXXX payment with Snaac. And we received on XXXX XXXX that was dated on XXXX XXXX saying if we do n't pay by XXXX XXXX they will take our car. We are on a fix income. We told that we only get payed once month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a complaint against Bridgecrest a month ago due to incessant calling multiple times a day to me and my family because I was a month late on my payment. Now they have blocked my access to make a payment with my debit card online. I am now unable to pay via credit card, debit card, and bank account. I tried to make a payment multiple ways this morning and am blocked with every type of payment method. I successfully made a payment last month with my debit card ( they also charge a fee to pay that way but will not allow me to pay another way ). I am sick of their games and their treatment. I should be allowed to pay via debit or credit card. I have no way to make a payment now. They are punishing me for contacting you about their harassment when a payment is late. If they do this to me, how many other people have had this happen? How am I supposed to pay my car payment when they have blocked me from making the payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Account status incorrect

Complaint:
Incorrectly reporting late payment. NEVER LATE XXXX XXXX  ACCOUNT # XXXX BALANCE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Wells Fargo Bank reduced my available credit line from {$12000.00} to {$2900.00}. I have a perfect pay history on this ( and all ) accounts. This effectively created a maxed out tradeline, which hurts my credit scoring. I was given no advance warning. This was done because the card was on auto-pay and not utilzed. I am in the process of refinancing my home mortgage and a maxed out tradeline hurts my credit eligibility. 

This practice is inconsistent with consumers ' best interest and harmful to tradeline reporting. This should not be done if tradeline is in perfect standing. 

Wells Fargo refused to restore original credit line without pulling my credit again ( as a hard inquiry ). Pulling my credit as a hard inquiry further lowers my credit rating. 

Very harmful practice to consumers. This is a punitive practice targeting consumers who do n't use the Wells Fargo credit card as often as they would like.

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 2015-12-14
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Credit Systems reports on my credit report that I owe a balance of {$4100.00}. This was a debt that they took over in XXXX from an apartment complex named XXXX XXXX. National Credit Systems and XXXX XXXX placed a judgement against me for the amount of {$1600.00} in the XXXX of Arizona. This judgement was satisfied through wage garnishment in XXXX. National credit systems refuses to file a satisfaction of judgement or to reflect the collections account as paid, because they believe they are entitled to more money than the judgement was granted for. In communications with them they acknowledge the judgement has been paid but that they want the remaining balance on the collection account paid before they will take any action. This is not right. They already took their case to a judge and received an amount that the judge authorized them to collect. They have collected that amount and are not entitled to anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: FL
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 have made several attempts to remove inaccurate information from my credit report. The credit bureau continues to report this inaccurate information and has not sent proof of verification

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 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards of my credit report and its been well over 30 days. I haven't seen any investigations results.

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 2021-09-30
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX is illegally trying to collect a payment that is fraud. I turned in my equipment on time and at that time paid my final bill. I asked them at that time if I am paid off and they said yes. This was XXXX. 

Now in XXXX of this year, I have a surprise collection account on my credit from an agency called Convergent Outsourcing for {$270.00} with no former information.

I paid this in full. Many times cable companies try to commit fraud and bill you for nothing.

This is what is happening here. They should not be able to get away with this and have already destroyed my credit score. I paid them in full at the time I gave in my equipment. 

The collection was put on my account on XX/XX/XXXX. The account number is # XXXX The law says cable companies are not supposed to put collection accounts on your credit report particularly if it is fraudulent because they do this. 

Convergent Outsourcing Collection Agency XXXXXXXX XXXX XXXXXXXX XXXX, Washington State XXXX. No phone number provided, no real address provided. 

Why would I not pay my bill in full at the time of returning my equipment. This is a pattern with cable companies. 

Please ask them to remove this from my credit report. It is fraudulent. 

Thank you

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