BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-21
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Agreed amount paid to settle debt with stipulation that updated reporting would be done to XXXX major credit bureaus. Debt paid but reporting not made to XXXX major credit bureaus.

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 2016-11-22
Company: USA DISCOUNTERS LTD
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
USA Living has been harassing me and making threats to me of taking me to court for dept that I currently can not pay cause i just got out of the XXXX and told them that i am trying the best i can to find a jobs to pay but also feel i have been a victim as well. I know they been sued for there practice and i know they plan on using a XXXX court to do so knowing i can not make it. I need help.

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 2016-12-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My loan was sold to another company, I made arrangement with the other company and paid my loan. The original company refuse to remove their name off my credit report. They are still reporting charge off.

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 2016-06-08
Company: Social Finance, Inc.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I went to SoFi web page to see what rates would be for a refinance of my student loans. The website is confusing and directed me to enter my name, address, zip code, phone number, DOB, citizenship, home ownership, school info, employment info and current student loan information. In hindsight outside requesting my social security number ( they did not and this was not provided ) this was an application for credit. Why must we fill out an application for credit to obtain rates for a refinance. 
When I hit enter on the web site or as they wrote " submit to see my rate '' I was declined. I then received a form letter ( digital ) stating " After carefully reviewing your application, we are sorry to advise you that we can not grant a loan to you at this time. If you would like a statement of specific reasons why your application was denied, please contact our SoFi XXXX XXXX XXXX within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. 
I phoned SoFi to figure out what was going on and explain I did not request credit from them, I only wanted rates. I was told that they pull a " soft '' inquiry on my credit and based on that I was declined. Ok .... It did not seem to me that I was granting them the ability to " soft '' check my credit or that I was applying for credit .... I just wanted rates. 
In my humble 15 years as a Consumer Underwriter and Manager for a XXXX bank that must adhere to all the CFPB requirements, that this was a very deceitful tactics to create an application and render an unwanted credit decision, good or bad. The Website is very misleading and very upsetting to me as a consumer that to find rates I must first be run through a credit check? I understand rates change with credit scores, however they should be published for the viewing public?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Stellar Recovery, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A balance of {$220.00} from XX/XX/XXXX-XX/XX/2015 was incurred by my estranged wife, the XXXX cable account was cancelled as of XXXX/XXXX/2015 and the account was affiliated with my wife 's social security #. Now on XX/XX/2015 I find that a collection agency has place a negative entry into my credit report. I asked XXXX to contact their collection agency, They neglected my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account is current and has been for the past 6 months, so I was trying to get the late payment off my credit report since I have been on time with my car payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit collection agency put this alleged account on the credit bureau files BEFORE they gave me notice about the alleged debt. Just received notice of alleged debt in the current month. 

I reported debt as not being mine to the three major credit bureaus. 

It says that the original creditor was XXXX XXXX. 

Requested that the collection agency provides documentation that shows who got this contested account. In the absence of proof of ownership, the collection agencies removed the accounts from my credit bureau file. 

Shortly after the credit collection was removed from my credit reports, one of the credit bureau agencies notified me that the account has been reinstated on my credit files. 

The credit collection agency also says that I paid the account in XXXX 2021. I made no such payment. 

I still have received NO documentation, such as credit application, that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid my bill and in full this is the second time with this company Sychrony Bank keep saying my check is returned when in fact they withdrew the payment and never recieve credit on any of my accounts the only way we finally figured out was thru phone payment .i sent the info proving my payments and was sent texts saying they have me credit and then recieve a new bill thats almost double what it was previously. im spending so much time trying to fight the company its caused many other conflicts in my life to the point im ready to get a lawyer and sue because they dont do anything to resolve anyone 's issue ( in not the only consumer same issue ) i found they were sued for the same type of issues only to reopen under this bank name Synchrony and are ruining many lives as they do the same to others as myself. the attachments they say they have no knowledge of any payments beside the last 2 phone payments .I may have sent doubles but I have plenty of my own but it says not to send personal info on here but really need help theese peoplecare corupt and lie to consumers they have made my XXXX to point im becoming ill from nonstop harrassment from them and i did tell them and a young girl thought it was funny i guess hearing me say this as she became sarcastic to point i could n't talk to her no more plzzzz help they are destroying people 's lives and never help try to resolve anything

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 2015-04-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed on my second mortgage with Experian on XXXX which was included in a chapter XXXX bankruptcy in XXXX of XXXX. I have noticed that XXXX has been reporting in the Recent Balance XXXX $ and a current date of XXXX. I also noticed on other credit reports such as the XXXX in XXXX that it was being reported as Date of Major Delinquency First Reported and put the date of XXXX. I did not re-affirm this loan in the bankruptcy. My understanding is that from what I am reading that " After bankruptcy mortgage payments-current or late-do n't show on your credit. My results from Experian is that is will remain. My 1st mortgage with wells fargo under Recent balance shows the correct date of XXXX which is what it should say on safe credit union. XXXX informed me that they can not report any payments on the credit file. So why is XXXX XXXX XXXX reporting it. I would like to have it fixed. I have attatched screen shots of the reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX. I previously provided legal documents to each of the three credit bureaus attesting and verifying this fact. XXXX XXXX XXXX. Again, I attach verifying documents as requested by Experian, XXXX XXXX, and XXXX. I do not believe the errors in my credit report by mistake. My last name is not, XXXX, but there it is listed in my personal information. I demand strict proof that my name was reported as such, contrary to the CBI position. I have been told the credit bureaus can not honor my prior complaint/request or portion of it based on a limited amount of information. Yet these are the very same credit bureaus who have previously stated they conducted a thorough investigation of my complaints, so which is it? Each of the credit bureaus states their role in the dispute process is to review the accuracy and completeness of any disputed item to which I demand strict proof of their review, accuracy, and completeness. XXXX continues to falsely report past due payments on accounts that have been closed, written off, discharged and forgiven. I demand strict proof of their original investigation into the underlying fraud associated with the use of the XXXX cards. XXXX XXXX  continues to report two late payments on my car payment to which I demand strict proof of these delays, lapses or delinquencies. XXXX  claims they are unable to locate a credit file for one of the following reasons. If this is the case how is it that XXXX  is reporting credit inquiries on my credit report, continues to fraudulently report the XXXX, XXXX XXXX  fraudulent reporting and more. Further, why is XXXX  XXXX sending a response to my complaint when the XXXX  office in XXXX Georgia has traditionally responded? XXXX XXXX continues to fraudulently report a chapter XXXX bankruptcy that was dismissed without discharge in violation of the law. How is it that CFPB can not get their enforcement act together and appropriately address these matters? I guess corruption pays the 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 non-monetary relief
Consumer complaint received 2021-09-25
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX complaint filed already. No response from Key Bank. How long does this take. Just close my acct and send me my money!! CFPB has not done anything to help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I HAVE BEEN TRYING TO CORRECT PAYMENT HISTORY REPORTING TO CREDIT BUREAUS SINCE XXXX HAVE CONTACTED THE CREDITOR SEVERAL TIMES, EACH TIME I AM TOLD THE PROBLEM IS BEING FIXED.WHEN I ASK TO SPEAK TO SOME ONE IN CORP. OFFICE I AM DENIED, THIS COMPANY IS XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX ACCOUNT IS NOT BEING REPORTED AT ALL ON MY CREDIT REPORT THEREFORE CAUSING MY SCORE TO DROP.I HAVE HAD THIS ACCOUNT SINCE XXXX AND STILL PAYING EACH MONTH ON TIME.TO ME THIS IS AN INJUSTICE AND SOMETHING NEEDS TO BE DONE ABOUT THIS COMPANY!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
After purchasing an item on XXXX on XXXX/XXXX/15, I clicked on the " Go To XXXX '' link. Instead of then being allowed to choose my payment option as had always been the case previously -- including twice the very day before -- my XXXX XXXX was charged WITHOUT MY AUTHORIZATION. Upon realizing what had just happened I tried for appx XXXX hour to void the transaction and pay by my usual method, to no avail. I then tried to contact the seller but he was away and by the time I received a response his assistant had already shipped item. XXXX and PayPal customer service, when finally reached, were, not surprisingly, no help whatsoever. Not wanting to alienate the seller after the item had already shipped, I sent a second payment through PayPal on my regular credit card, and then disputed the original unauthorized charge. Charge was temporarily removed pending the investigation, whereupon I was asked to submit documents, which I did, faxing conclusive proof that the seller had been paid as I had originally intended, but the unauthorized charge was reinstated anyway, despite the seller now having been paid XXXX. Countless attempts to deal with the company directly have gone absolutely nowhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Other financial service
Sub-product: Check cashing
Issue: Fraud or scam

Complaint:
I have tried several times to cash my paycheck at XXXX ( Which Certegy handles the verification ) but they keep declining and told me to contact Certegy. I was very concerned because I dont have any negative transactions so I called Certegy and spoke with XXXX and her senior XXXX. I advised them that I have a copy of my consumer report and it clearly states no outstanding/ unpaid transactions and I wanted to know why they are providing negative information preventing me from being able to cash my check. XXXX advised that they cant tell you why the transaction was declined it was confidential, so I spoke with XXXX that stated the same thing. I asked her if I do n't know why they are declining the transaction how would I know if they are basing the decline on incorrect information. I just do n't think they should be able to just decline my transaction with out giving me a reason besides falling outside to the guidelines. They should be required to provide me with the guidelines so I will know if I meet them. I am simply trying to cash my checks nothing more. Please investigate this because it does not seem ethical at all.

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 2016-09-01
Company: Zakheim Law Group, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
On XXXX XXXX, XXXX I have received a letter in the mail, informing me of the fact that XXXX has retained an attorney firm Zakheim and Lavrar of XXXX, FL in order to collect a debt in the amount of {$8700.00}. 

Later on XXXX, XXXX I have been served with a summons which states that a law suit was filed against me. 
The summons also states the I had 20 days to respond to this notice or to dispute the debt. 
I filed response to complaint denouncing the claim. 

No other communication has been received from the creditors attorney. They had disappeared until on XXXX XXXX, XXXX, without any warning or additional correspondence I have received a letter informing me that a Judgement in the amount of {$9200.00} has been entered against me. Said letter also threatened to to begin the process of enforcement of said judgement in form of wage and bank accounts garnishments. 

No hearing notices were ever serviced to me. 

An offer to settle was then mailed to me on on XXXX XXXX, XXXX, but because I was thinking of hiring an attorney I left it unanswered and then due to a number of significant changes in my household arrangements related to my children moving in with me, and increased expenses due to that, and having to retain an attorney to represent me in a child support modification case, this slipped my mind. 

In XXXX, XXXX XXXX the collector have filed a writ of garnishment against my wages Immediately upon receiving the correspondence containing the copy of the writ I responded with the Head of Household exemption claim dated XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX The representative of XXXX ( Collector ) files an affidavit where they contest my claim of exemption. 

On XXXX XXXX, XXXX Court issues a notice of dissolution of writ of garnishment. 

however on XXXX XXXX, XXXX a an order setting setting hearing is issued with regards to my claim of exemption. 

Not only do the collector misrepresented the fact that they have not communicated as required by law, now this case became even more confusing. I had no choice but to hire an attorney. 

My attorney has attempted to cancel the hearing set for XXXX XXXX, XXXX however it ended up just being rescheduled for XXXX XXXX, XXXX Given that we have been issued a letter of writ dissolution, I was advised by my attorney to ignore further hearing as they are most likely set due to a clerical error, so I will follow the professional advise, however I am totally confused and worried about the situation and really need help resolving this matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: LOBEL FINANCIAL CORPORATION
State: CA
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, ve contacted Lobel Financial about this debt to remove from my Credit report. Car was repoed, and later found out that the company that i received the car from license was suspended from the XXXX, therefore they should not have been able to sell the car to me in the first place. Company is in current Lawsuits to recover the deposits paid on the cars they sold. Lobel approved a loan of a car whose license was suspended by the XXXX XXXX XXXX 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 2015-11-19
Company: SQUARETWO FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
CACH violated FDCPA 1692-I by filing in the wrong jurisdiction which was XXXX XXXX, GA case on XX/XX/XXXX and dismissed on XX/XX/XXXX while the case was being held in XXXX XXXX GA as of XX/XX/XXXX under. case. It was time barred from giving the chain of custody given to validate party in interest under case in XX/XX/XXXX. FDCPA 1692F -K the frequency and irresponsibility of follow Federal debt collection guidelines in XXXX different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from XX/XX/XXXX-XX/XX/XXXX showing persistence and determination to continue violations of FDCPA 1692. The unfair debt collection practices violating FDCPA 1692F to " ambushed '' and surprised the Defendant with a redacted bill of sale and affidavit of the debt 2 years after it was requested since the original filing case # by was unconscionable since they failed to produce copies on XX/XX/XXXX the bill of sale and affidavit from XXXX XXXX to Defendant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Rush Card did routine maintenance to a new server on XXXX XXXX, 2015. It has since then not deposited people 's money into their accounts. Mine included. My husband and I are awaiting our paychecks via our direct deposit to our Rush Cards. Customer service numbers hang up on you, the website is now down ( again ) and NO ONE is calling back or reassuring that our money is safe and will be to us as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23
Company: SQUARETWO FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My credit card company sold my XXXX debts for XXXX and XXXX to a company called CACH , LLC. A few months ago I contacted this company to pay this debt and spoke to a representative who assured me that If I paid the balance in full they would remove the debt from my credit reports. I told them to give a day and I would have it for them. I called back the next day and spoke to a new representative who told me that they would not remove the XXXX debts from my credit report and then my balance owed changed to XXXX dollars total. when I explained that the balance was not correct and I was also assured that my debt was supposed to be removed upon full payment of both debts, and that I wanted to speak to a supervisor, she hung up on me. Since that time I have been consistently calling trying to take care of this debt and I have not been able to reach anyone since.

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 2017-01-06
Company: Experian Information Solutions Inc.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Paid off my XXXX loan and XXXX still refuses to fix it on my credit, making it 120 days late when I have all the pay off, info proof that it was paid off same for transition both bereaus have been preventing me from getting a car, and causing XXXX and ruining my life

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