BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a Federal Tax Lien on my Equifax and XXXX report. The Lien has been paid in full and released by the IRS/Department of Treasury. I have submitted 2 requests to Equifax to remove it from my credit file as instructed by the IRS however Equifax will not remove it. They close my disputes referring my back to the County were my Lien was filed. I have provided the document provided by the IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Credit Reporting Agency, Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute 5. Signed contract or Documents with my signature If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Best Regards, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Atlanticus Services Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Fortiva credit card uses deceptive practices when assessing late fees. If you make a payment on your due date but it happens to fall on a weekend or holiday the payment doesnt count and a fee is assessed. The same goes with their payment cut off times ; payments purposely do not post and fees are assessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: SUNTRUST BANKS, INC.
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I went to Suntrust Bank to order Checks and the teller started asking me all these question and I assumed it was for submitting the right information on the checks. She never asked me anything about applying for a credit card. a week later I called to see about my check order because I have n't received them yet. They told me to go to back to the bank to see about the order and they told me that no checks had been ordered. A week later I received a letter in the mail denying an application for a credit card from Suntrust Bank. I took the letter to the bank to see the teller. The teller who was suppose to order checks for me was n't in and a representative took my complaint. She explained that it was the manager who applied for a credit card in my name. The representative took my complaint and explained the manager had no authority to apply for a credit card in my name or for me, because she was n't a sales representative. I then called the bank 's customer service and filed a complaint with them. Later that day I tried using one of my credit cards and it was denied and it was available credit on it.This may have a ripple effect on my credit with my creditors

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank closes 5 account stating the I was a high risk for failure pay. 3 account are {$0.00}. One {$2500.00} approx and another {$6600.00} approx. 
I have never missed a payment and I have an excellent payment record. 
Call bank and they claim the credit bureaus reported me as a high risk. I checked all my reports and call all credit bureaus and none claim that I am a high risk. I have never missed a payment and that is what my statement reflect. 
Call bank again and they told me they can not help me an log the complain. They can only see that I am a high risk and no other information has been given. 
I have asked all the operators I talked to if I was delinquent in any payment. They all confirmed my accounts were always pay on time. 
I want to understand why Synchrony Bank is lying about my financial behaviour and why they closed my account with no really fundament in their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have never received any letter from them stating that I have a medial debt. They have never called me. They have never emailed me. My doctor 's office has never called me regarding a bill not being paid. I absolutely Do NOT have a contract with Collection Service of Athens. 
I have asked for verification of contract and I have not received any response at all. 
I am disputing this debt to the fullest extent of the law. They have also added it in my credit report and are causing all XXXX of my credit reports to go down significantly. 
Last Reported XX/XX/XXXX Collection Agency COLLECTION SERVICE OF ATHENS Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$270.00} High Balance {$270.00} Remarks Medical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer did not apply my payment in a timely manner and caused me to be delinquent per their records. My bank confirmed the draft check ( sent by my bank - see below ) was received by SLS on XXXX/XXXX/2016. SLS did not process the payment until XX/XX/XXXX - after the late fee cutoff. My scheduled payment of {$11000.00} was placed in suspense on XX/XX/XXXX and not applied. I was current on the account and have been for 10 years. My payment is still in suspense and I received a default notice today showing my un-applied funds and a late fee of {$560.00}. I called customer service and was passed to an executive queue, where SLS confirmed that their cashiering department put my payment into suspense and would open a research ticket!!!! I should call back in 2-3 days!!!! This is an issue that should have been resolved on the spot. I have been forced to send my payment via normal mail and am concerned that it will be processed in the same manner this month. This is poor customer service and appears to be a non-compliant process - not posting funds when a complete P & I payment is in hand. 

Note : SLS does n't accept borrower initiated ACH payments anymore - my banks, both XXXX XXXX XXXX and XXXX XXXX XXXX, both confirmed SLS will not accept electronic payments and instead the Banks have to cut a Draft Check for mailing to SLS. SLS offers ACH - only if you sign up for one account on a specific day so SLS can draft at their initiative. They offer XXXX XXXX for {$9.00} a payment after the XXXX of the month. These are not acceptable options in today 's world, not convenient for me and provides me no flexibility to pay ( 1 ) on any day prior to the end of the 15 day grace period from month to month, and ( 2 ) from any of my accounts from month to month. I was able to make my payments easily before XX/XX/XXXX - and now a business practice has caused a delinquency issue, all the while they had my funds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Continental Finance Company, LLC
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My problem is Continental Finance who supports XXXX Credit Card manipulates payments and posting. I was told that my payment is held for 7 days before posting, which is not true. I had a double charge which was suppose to credit back to my account which has been sitting there for 13 days as of today. I understand they are helping me rebuild my credit, but they need to practice what they preach.

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 2015-06-02
Company: SUNTRUST BANKS, INC.
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I made a deal via XXXX. The seller wanted to be paid via wire transfer. I contacted XXXX through " live chat '' and XXXX approved it. I wire transfered the money. XXXX XXXX, XXXX, I made the wire transfer from my Suntrust Bank accout to the seller 's account at XXXX Bank. Following the transfer the seller contacted me and asked me change the XXXX account where the money was getting transfered to. I contacted XXXX again to inform them of the seller 's request. The XXXX receptionist asked me the item 's ID number, I gave it to her ( XXXX ), she told me that they had no such item listed. I asked to speak with her superviser who aknowledged the item and the transaction and told me that it was a scam and to try to get my money back. I returned to Suntrust bank and asked to stop the wire transfer. The teller told me it was too late to stop the wire transfer ; however, for a {$25.00} fee we could fill out a form to avert XXXX XXXX that the transaction was fraudlent and try to recoup the money. We did that and are now waiting to hear from XXXX XXXX. My intent is to get my money back. Can you help me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: DISCOVER BANK
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
I am writing to dispute recent correspondence from Discover Financial Services. I reported fraudulent charges to my credit card but they remain on my account. I timely notified the companies I never received any goods or services and the companies agreed to take the charges off the account, yet Discover continues to place the fraudulent charges to my account. This is very XXXX to me as I am a victim of identity theft and insurance fraud. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
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:
Male from collection agency came to my mothers home and issued her paper work regarding my debt..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Revenue Assurance Professionals LLC
State: TN
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 have been the victim of identity theft and as a result the following account # XXXX from XXXX XXXX XXXX was placed on my credit report. I have contacted this company and provided them with a valid copy of my identification as well as a police report and identity theft affidavit. They have failed to contact me, nor have they removed this fraudulent account from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent numerous letters to XXXX  regarding the inaccuracy being reported under my Wells Fargo account. What doesn't make sense is that IF the data furnisher is reporting this accurately for XXXX   and XXXX, why isn't is being reported accurately for XXXX. The payment status is WRONG. The status should be Current as it was not late when the account was closed. How is it that the same account was challenged and resulted in different outcomes IF the account was investigated by Wells Fargo?

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 2016-01-22
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I overdrafted my account at the ATM in order to pay a bill but immediately deposited cash back into the ATM in order to bring my account back over XXXX dollars in positive balance. SunTrust 's policy is to waive overdraft fees if they are covered in the same day. The next morning I woke up to see that SunTrust had charged me XXXX dollars in overdraft fees in order to bring my account overdrafted again. As I already deposited all my cash into the ATM, I ca n't do anything to bring the account back into the positive. When I called and talked to multiple supervisors and managers, they said they would lower the fee by XXXX dollars as a once-per-year courtesy but they could n't do anything else. They said if I deposited money into the ATM literally " minutes '' earlier I would have been charged nothing. I find this to be extremely predatory and a trap to keep me in debt so that they can keep racking up their exorbitant overdraft fees. As a new customer who recently joined SunTrust and linked my direct deposits with their bank account, I feel I have been treated deceptively and dishonestly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-11
Company: Nelnet, 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 information incorrect

Complaint:
PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE $ XXXX ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM 19 TO 38. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH XXXX XXXX XXXX XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Credit Card Receivables Fund Incorporated
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A law firm acting on behalf of Unifund got a court order judgement against me for way more than the debt owed. There are several points to this complaint : - Unifund 's law offices representatives REFUSED to let me speak to their attorneys. 

- they threaten me and told me not to get my own attorney. They told me if I hired an attorney they would charge me {$25000.00} in fees as a penalty. 

- I was never served papers on this case. I pulled the serve and they say they served a XXXX XXXX which is impossible bc there was/is not anyone else at the home that fits the XXXX description on the paper. 

- they keep changing the amount I owe and refuse to put the exact amount in writing. 

- when I offered to pay the amount of the judgement thet refused to provide a receipt or any paper work saying I satusifued the debt. 

- they threatened to ruin me financially and said they would never stop suing me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Merchants' Credit Guide Company
State: SC
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:
I sent Merchants Credit a debt validation letter and they have yet to respond. Needless to say this is an invalid debt and does not below to me. I will seek legal ground if I have to because not only have they violated the FCDPA by not notifying me and giving me 30 days to respond to this debt initially. l. 

I sent Merchants Credit a debt validation letter XXXX XXXX, 2016 and it was delivered and signed for. See attached. 
And I did not receive a response with the items that I asked for. This is also the XXXX violation of the FDCPA and FCRA. 

The fact that it is still reporting on my credit report is another FDCPA violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-11
Company: Performant Financial Corporation
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I work in a XXXX and have told Performat Recovery not to call as they are disturbing patient care and they have ignored my requests and have continued calling and harassing myself and fellow employees.

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 2021-11-25
Company: EQUIFAX, INC.
State: MO
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has been increasing my collecting debt every month for the past 4 months since I call them to settle the debt amount to pay and they instead of working with me are continnuesly increasing the amount

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 2015-12-20
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had a problem with someone cloned my numbers off my credit card and tried to use them in a XXXX near XXXX. I called customer service and they put me on hold the agent was laughing in the background. After calling 4 times, I was told by this fraud unit my cards will be here by 5 days. Look I have no cards nothing at all ... Just agents that were rude and disrespectful to me on the phone!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am not able to choose the payment date for automatic payments on my student loans, leading to extra XXXX in loan interest during the year. The automatic payments default to the payment due date, and does not allow me to change the date. I am able to make payments before then and loans therefore incur a full month of interest that can be avoided. If I were not signed up for automatic payments, I would make payments early enough where I would incur a fraction of the accrued interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and section 605b, and continued to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. I need the following Inquiries to be removed as soon as possible : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; and XXXX XXXX XX/XX/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 non-monetary relief