BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: Self Financial Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I applied for a Sams credit card online. I was approved. I never received the card. All of a sudden Synchrony Bank calls me about the card. On XX/XX/21 someone charged XXXX at Walmart and {$24.00} at XXXX XXXX. They are saying that the card was activated by my home number. Impossible! I think someone XXXX  my home number. They will not take the charge off. If you XXXX  my name my home number shows up and I wasn't even aware of spooking but 1 of the synchrony agents told me about it. I have been disputing these charges since XXXX. Please help. I have always been a good customer to synchrony and always paid my credit card bills.

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 2021-07-11
Company: RateGenius Loan Services 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the inaccurate items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I last physically used my card to travel from XXXX where my college is located to the XXXX on XXXX/XXXX/15, and since I was home I did not pay any mind to my card. To my knowledge it was in my bag, my mother drove me back to school and I was well occupied with my studies until the following friday morning I wanted to purchase something and my card was no where to be found. I called and the bank, Bank of America and they put a hold on my account, then I checked my bank statements and there has been irregular activities, and large amounts of money being deposited and withdrawed. I went to receive a new card at the bank, and soon after they closed my account due to fraud. I filed claims because there were a XXXX of dollars that were deposited and withdrawed that were never mine. I called costumer service for Bank of America and they told me I would be held responsible because the card was being used in the ATM, I am well aware that I am the only person that should know my pin but I did not make any of these transactions. I never authorized any of these transactions. There were also XXXX money orders that were deposited under my name and I have copies of these transactions mailed to my home. Since then I have been trying to resolve this problem with Bank of America and they have not been helping with the situation, they repeatedly just state that I am responsible to pay the negative balance on my account. Bank of America should be responsible for allowing these transactions because the money orders that were also deposited were for 22 cents and the person who is in possession of my card altered the amounts to XXXX of dollars.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX / XXXX / 2015  {$2200.00} The following agency is not bonded in TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed. I am also unaware debt collector and the original organizations. This debt does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Credit determination

Complaint:
On XXXX/XXXX/XXXX, I fill out and mailed a paper credit card application from Citibank and was approved for a card. On XXXX/XXXX/XXXX, I filed out a second paper application from Citibank which was denied. 
On XXXX/XXXX/XXXX, Citibank 's credit card division made an unauthorized inquiry against my XXXX credit report. This hard inquiry did NOT originate due to a THIRD credit application. I sent a letter to Citibank 's customer service department asking the reason for the XXXX/XXXX/XXXX credit denial. However, I did NOT ask for or suggest another credit pull. No one at Citibank even contacted me to advise of the third credit pull. A legal compliance statement is provided to the consumer upon pulling of credit and this process was completely disregarded.

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 2021-07-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had septic tank back up on XX/XX/2021. Which water was backing up through my bathtub and toilet. Which caused flooding in both my bathrooms hall way living room closet and all the carpets in my house. My insurance company after 4 months has issued me a check in the amount of {$13000.00} for the repairs, This one employee told me to over night them the check and they would sign it and mail it back for me to begin the repairs. But I'm having trouble with this one women in the loss department of Carrington. They are trying to make me have a nervous break down by fighting me not to mail back the check. She refuses to answer the phone and call me back. She is very nasty toward me and is being very unfair towards me. They want to keep the money for themselves and do what they please. It's my insurance money that I pay to my insurance through my mortgage payments. There is no true justice for us consumers never really has. I informed them when the problem first happen. Everybody is just trying to make me have a nervous break down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: VI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a re-fi loan with XXXX in XX/XX/XXXX. During closing I was told I would only have to have an escrow because my home was in a flood zone. We knew at the time the property was coming out of a flood zone, but the new mapping would not be finalized before I closed. In XX/XX/XXXX my home was removed from the flood zone and I forwarded the appropriate paperwork to Pennymac who was now the servicer of my loan.I received several communications back and forth since XX/XX/XXXX. Each time I was informed either via letter or by email on their site that the escrow would be deleted, then it would not because of my credit score ( my credit was never pulled ), then I would call and be told it was being deleted, then I received another letter that the property loan to value ratio was not met, then I would call and they would say it 's your credit score, I provided my actual credit scores and was told it would be deleted, then I 'd receive another letter saying the request was declined due to loan to value ratio ... .and back and forth. I have all letters and dates to this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: MD
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 been disputing an alleged bankruptcy since XXXX of 2021 with Equifax and XXXX. I have filed various cfpb complaints and written various letters asking for the bankruptcy to be validated and verified showing proof or deleted. I received a letter from bout reporting agencies claiming the bankruptcy was verified by XXXX. How can XXXX verify if I opted out and froze my file? Fcra states a consumer have to give permission for anything to be reported. I did not give Equifax, XXXX  or XXXX my permission to report on my behalf. Please help me fix this error on my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Lockhart, Morris & Montgomery Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Two things really, I do not deny owing this debt it originated from an employer issuing me a CPAP machine on a loan basis, upon resigning my options were to buy the machine outright for XXXX or return the machine. This company was XXXX by the way. I attempted to find out how to return the machine to XXXX but could n't get the right procedure and since I thought perhaps I needed it I would go ahead and pay the XXXX when I could, or try and reach out to XXXX to set up an arrangement. I receive some written communication from XXXX, perhaps 2-3 letters. Then I get a letter from a representative by the name of XXXX from Lockhart, Morris, and Montgomery collections. Upon talking for awhile, approximately 3 weeks ago maybe the XX/XX/2017 the balance was suddenly XXXX dollars and I could only make two payments in the amount of XXXX. If I understand the law right they can not " Mark up '' or " add a fee '' to collect this. My biggest thing with this case is that after speaking with XXXX XXXX, I was told I would have to sign a contract or promissory note to pay, and I would be emailed this letter. I never received the letter nor any further contact from XXXX XXXX. Today, XX/XX/2017 I was charged in the amount of XXXX overdrawing my account since I had not heard anything further from the firm, I figured either it would wait till next month or she would send me the document I needed to sign before she would charge me. So the law is fuzzy on this but if I am not mistaken, since I was told I had to sign before she could accept this agreement I should not have had money withdrawn essentially without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX which is a branch of XXXX took over this debt in 2006 and because XXXX was not able to collect on the debt has now contacted Central Credit Services LLC to collect the debt that is too old to be on my credit file and was due to be taken off last year. Central Credit Services LLC is now contacting me to collect on the debt because XXXX has contacting them to get another collection agency on my report and to attempt to keep the debt alive. These unfair tactics and practices are in violation of law and want them both removed from my credit report and want the harassing mail to stop.

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 2016-11-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Synchrony Bank / Care Credit / XXXX XXXX XXXX. I filed a complaint against them for not complying with requesting a validation with a signature from my attached letter. Now after my dispute I get an alert from XXXX that the collection was put back on my reports with this in comments ( Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department / At least 120 days or more than XXXX payments past due Comments : Subscriber reports dispute resolved - consumer disagrees ). I am trying to fix my credit, and it as looking better, now this happened. Is there anything that you can do to fix this. I want to have Synchrony bank Care Credit and XXXX XXXX XXXX deleted from my credit reports totally.

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 2021-07-11
Company: EQUIFAX, INC.
State: NJ
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 am disputing the reporting of an XXXX account. I first disputed this account on XX/XX/XXXX for inaccurate reporting, the results came back as meeting the " FCRA ''. I then disputed again on XX/XX/XXXX, asking to verify the account, it came back as completed with no changes. On XX/XX/XXXX, I disputed the " date last active '' because none of the dates matched on my credit report ; it was not corrected. I disputed the " date last active '' once again on XX/XX/XXXX ; it came back verified and was not corrected. I then disputed the " date of last payment '' on XX/XX/XXXX because the dates were inaccurate on my credit report ; it was not corrected. I sent out a follow-up letter on XX/XX/XXXX disputing the " date last active '', " date of last payment '', and the " payment history '' that showed inaccurate reporting ; it has not been updated or changed. On XX/XX/XXXX, I sent out a violation letter asking for a deletion for this account because the " date last reported '' has not been changed even though this account came back verified. This account also was sold to another company and it doesn't state that in the comment section of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
MY NAME IS XXXX XXXX AND I AM A VICTIM OF INSURANCE FRAUD AND A VICTIM TO LYING CREDIT CARD COMPANIES. I HAD AUTHORIZED A CHARGE ON MY DISCOVER ACCOUNT FROM AN INSURANCE COMPANY CALLED XXXX. IT WAS XXXX SEPARATE CHARGES TOTAL {$2900.00}. IT WAS A BUSINESS INSURANCE FOR XXXX ADJACENT LOCATIONS. I AUTHORIZED THE CHARGE. MONTHS LATER WHEN WE HAD SITUATIONS COME UP THAT THE INSURANCE COVERAGE WAS NEEDED I FOUND OUT THAT WE WERE TOLD A BOGUS INSURANCE AND I CALLED DISCOVER CARD AND FILIED A DISPUTE FOR THE CHARGES OF THAT POLICY. I SUBMITTED EVERYTHING ONLINE TO EXPEDITE THE PROCESS I ALSO UPLOADED ALL THE DOCUMENTS FROM THE INSURANCE WHAT THEY SOLD AND HOW THEY LIED TO US. ALL XXXX DIFFERENT LOCATIONS WAS DENIED AT DIFFERENT INSTANCES. DISCOVER CARD DRAGGED ON THE INVESTIGATION FOR MONTHS ALMOST A YEAR, CLOSED MY ACCOUNT AND CLAIMED THEY WILL NOT REVERSE THE CHARGE. I EXPLAINED IT WAS SERVICES I PAID AND IT WAS NOT RENDERED. THE INSURANCE POLICY SOLD TO ME WAS A FRAUD. FOR MONTHS AND MONTHS ALMOST A YEAR I WENT THROUGH AN AGONIZING PROCESS. I GOT STUCK WITH THE DEBT AND INTEREST AND PENALTIES AND MORE. PLEASE HELP ME CLEAR UP THE MATTER I NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: DISCOVER BANK
State: IN
Product: Credit card
Issue: APR or interest rate

Complaint:
Discover card interest rates. 
I recently was laid off from my job of the last 7 years. The issue is with the fact that I contacted them and told them my situation. They were okay at XXXX but now they are demanding access to my checking account to make automatic withdrawals. I told them repeatedly that my income is only $ XXXX/week. They want all of it. I refused. After this, I took a look at the last 2.5 years of statements and saw that had only XXXX late charge ( XX/XX/2014 ), they never lowered my rate under 19.99 %. In XX/XX/2014 my rate was jacked up to the default of XXXX and never lowered. 
I also inquired about getting a refund on interest charges and they also refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried sending over my dispute letter to them, but the address given on the report was invalid, and my letter was returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I have been paying on a card for so long and wish to have it paid in full for less right now while I have saved some cash to pay it. I am XXXX years old and want to quit calling every month but BofA does n't care. I 've been able to pay it in full for less with other banks who relieve me of past interest payments of a few XXXX dollars. I am a widow of retired XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12
Company: CITIBANK, N.A.
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2016-05-17
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
American Medical phone # XXXX calls every single day Monday through Friday at all times of the day for the last 3 months. They have been demanding payment for a {$25.00} debt from an unknown medical expense. They refuse to provide any information or details describing the debt e.g. date of debt, company owed, and for what services. American Medical has refused to send any documentation of the debt in writing to me. They have refused to provide any information about their company. I do not feel safe with providing anyone my personal credit card information or making a payment without knowing who I 'm sending it to and what I 'm paying for. 

I have never left any debt unpaid to avoid hurting my credit, therefore I need information of the debt to avoid paying a debt that I already paid for, or paying for a debt charged to me by mistake. If that is the case, I wish to dispute any wrongfully charged debts. 

I have requested for them XXXX different times to stop the harassing phone calls, and they have continued to call everyday. The last representative 's name was XXXX and I asked her to remove me again from their calling list. I have photo documentation of all the calls they have made to my phone. 

I would like the harassing phone calls to stop immediately. They have been disrupting me while in school or while still sleeping.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: WELLS FARGO & COMPANY
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Well Fargo input my loan as a $ XXXX/month payment. It made it nearly impossible for me to get a car loan as this made my income to debt ratio over 300 % ...

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 2021-07-11
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Why can ; t we qualify for Credit. I have bought from lowes for years. This is dirty pool being regeted again and again. WE have bought 2 XXXX, 2 XXXX  XXXX XXXX XXXXs 3 XXXX, XXXX XXXX XXXXr and e2e XXXX and 2 XXXX So Why am i DEFINED a LOEWS CREDIT CARD/?? what do i have to do? Buy the company. jJust wanted to tell you its not a very fair conquest. Perhaps i will go to big XXXX, d They gave me a cafd but i prefer LOWES depending onwhat becomes of this situation d

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