BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other

Complaint:
In XXXX of this year, I tried to sign on to my Amazon.com store card account. I had never had problems before. A year prior to this, I voluntarily closed my account to further purchases but I never had problems signing in to pay my account. So in XXXX, I tried to log on and got the message : " We are unable to perform the operation requested. Please click the " Back '' button and try again. ". I call and talk to supervisors ; i try the chat ( but that is useless ). It 's an online account and very difficult to access your own account number. They charged me late fees and said they reversed them BUT I could n't tell because I could n't log in. Their tech support says they will help, but they are suspicious because the site says THAT I DID LOG IN!!! It was counting my unsuccessful attempts as successful log ins!! Today, I called, and a VERY SNOTTY, UNPROFESSIONAL, AND RUDE supervisor refused to give me a reason as to why I was NOT ALLOWED to log in to my own account. HOWEVER - I have since discovered that I can log on to their mobile app - AT LEAST I can see they have n't refunded me the {$70.00} late fee. I 'm sure when they discover I can access it on the mobile site, they 'll shut me out of that too. 
I have wasted valuable time trying to access the account. I would like to sue them and I think I have a great case. They also do n't give customers an Auto-Pay option like every other credit card. Synchrony - formerly GE Bank - is THE WORST CREDIT CARD COMPANY OUT THERE. DO NOT apply for XXXX of their cards. Every card I have every had with them has had problems ; none of my other cards do and if they do, the problem is solved efficiently and professionally. PLEASE DO NOT APPLY FOR A CARD. These crooks need to be shut down. Consumers do n't deserve this abuse, so let 's not give them the opportunity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-14
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They called my work several times after being told no to do so. I work in XXXX XXXX XXXX, those phone calls are not allowed. I was told to not have them call again or else.They called relatives and friends to find out my location. I have elderly parents who get 2 to 3 calls a week from them.The amount owed is double the loan amount according to them. During a call to they suggested legal action was going to be taken, such as a court case with my local magistrate. They also left messages on voice mails stating that I was a debtor. I received several calls on Sunday, throughout the day, and from non business related numbers. I have disputed the debt with credit agencies and through their website. I have never gotten any accounting statement of the amount of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Commonwealth Financial Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMMONWEALTH FINANCIAL is reporting three collection accounts to the credit bureaus that are not owed by me. I have disputed these accounts with all three credit bureaus, but they just added a statement " Consumer disputes this account information Medical ''. The credit bureaus or Commonwealth Financial have yet to verify that this debt belongs to me. I have told them that I do not owe them and this is not my debt and they continue trying to collect on the debt and continue to report it on my credit report. This is false information. Filing a complaint here is my last resort. I do n't know what else to do to stop them from reporting this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I am a victim of Covid 19 and legally you should not have put them there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notice of debt collection by convergent outsourcing inc listing XXXX XXXX XXXX as claimant for account balance of {$320.00} as of XX/XX/2001 which would have been 20 years ago. This is clearly fraud.

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 2022-01-31
Company: Experian Information Solutions 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 sent my letters off on XX/XX/2022 stating that my the reports on my credit are invaild and need to be removed no, and I haven't yet to receive any updates on it. I'm just frustrated and aggravating that I have negative reports that are not mines and I'm getting angry just by the fact that it is not only affecting me, but my family also.

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 2015-03-26
Company: Paypal Holdings, Inc
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Paypal XXXX XXXX has continued to call my workplace and harass me AFTER I have specifically told them to DO NOT CALL MY EMPLOYEE ever again! Our receptionist is also a witness that they continue to call and this needs to stop. It is very disruptive to my job and against our company policy!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am disturbed that Equifax continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer, exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, I ', requesting them to delete this information from my credit report and send me an updated copy when this action is completed. 
They did not approved my request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one froze my account with no explanation. They will not help me on the phone and only send me to a voice mail that never returns my call. My mortgage payment is in there and all the money I have to live on. My husband can't get to work because he has no gas. I have XXXX kids and Ive had to sell things to be able to buy rice and beans to feed them. I got an email saying my money would be transferred in XXXX days but it has been 11 days and no one can help me or answer my questions. I don't know what the problem is other than I noticed some charges that were not mine. Im begging you to help. My mortgage is going to go into foreclosure They are holding onto about {$2500.00} of my money and that is a huge amount of money to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There is a bankruptcy on my report that doesnt belong to me please remove. It has bee removed from all other bureaus but you constantly report monthly please remove.

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 2022-10-08
Company: GreenSky, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My sister obtained a loan with me as the co-signer to have her water pipes replaced. The job was not properly completed and caused extensive damage to her home. She settled with the company for a reduced payment amount and paid the settlement amount in 2019. The loan shows as paid on her credit report but then greensky put a collection for the remainder of the loan in my name and refuses to provide payment history, original loan paperwork or settlement documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I have had a lease with Chase since XX/XX/XXXX. I have the payments on autofill for the life of the lease and never had a late or missing payment. I extended the lease in XX/XX/XXXX for 6 months and they asked me to check my account to ensure the next autopay would continue ( some times it works some times it doesn't ). I checked and the next payment in XXXX and it was scheduled as expected on autopay. 

I received a XXXX  email today and see that my score had dropped substantially. I looked at my credit report to find that Chase unenrolled me from autopay in XXXX so now I have 3 late payments. I immediately paid and called three different numbers but no one could explain this to me. After speaking with 3 more teams this afternoon they still could not explain this. 

When I view my online account with Chase there is no evidence that they're even understanding that I'm still a customer. There are no bills or invoices for the missing months, the amount of the monthly lease payment is missing. They seemingly understand that I have an online account with them but not much more. 

Chase confirmed that their process is broken and their reps don't always explain how this works correctly. Please pull the recordings from my calls with them and you'll hear it all. XXXX MST for XXXX minutes you'll hear contradicting statements regarding my account and acknowledgment of inconsistency in what they tell consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XX/XX/XXXX ; I Disputed XXXX Bk entries in my XXXX bureau credit report ; transunion deleted them after investigation. Experian claimed they were verified by the Bk court. I called the Bk court ( with the info Experian provided as there source of verification ), and also showed up in person. I spoke to the clerk and I asked about there process of verifying ; or even validating anything to credit bureaus. The clerk told me via phone and in person that : the Bk court does not under any circumstances report, validate, or verify and information to credit bureaus. I have sent 3 to 4 letters to Experian giving them the opportunity to correct this error, to add insult to injury Experian has also violated the FCRA by not marking these items disputed on my credit report, or bearing any proof that these belong Bk entries belong to me. I need your assistance.

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 2015-09-21
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, I received a packet from Chase Home Finance stating that they were part of a class action lawsuit and I had been approved in the past for a loan modification. As part of the lawsuit, Chase was required to offer assistance to see if there was anything else they could have done for us. So I submitted the application and they placed me on a two month forbearance for XXXX and XX/XX/XXXX. My mortgage was current prior to submitting the documents. They placed me on a two month forbearance to better my situation, not realizing all those payments would be due and payable XX/XX/XXXX. I work in education, a forbearance to me is a stop of all payments and they added at the end of the loan. So I applied for another modification to get assistance with the two months I am now behind, to be told they can only offer me a short sale of my mortgage. I am so upset. Now I have maxed out all of my credit cards and over {$100.00} in XXXX XXXX fees just to get my mortgage current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Saturday morning, XX/XX/XXXX I walked into a Bank of America branch and deposited {$1000.00} into an atm machine. While the transaction was processing, I received an error message saying that my transaction could not be processed at this time and to enter the amount that I deposited. I enter the amount that so deposited and then the atm displayed a message saying that the amount I input could not be verified and to call the claims center. I contacted the claims center and out in request and since the XXXX of XXXX Ive been fighting to retrieve the amount owed to me. Out of the {$1000.00} only {$300.00} posted to my account, {$700.00} has yet to be accounted for and when my claim was researched, Bank of America closed my claim out saying that no additional funds were found in the atm. I demanded today that they review security footage and re-open the account to re-investigate. This is absolutely outrageous that I have to fight for 2 weeks to receive money that was taken from me by an atm at their 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 monetary relief
Consumer complaint received 2020-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I've sent letters out certified over 60 days ago and have not been notified. as a consumer i feel like these predators are taking advantage of normal people

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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/XXXX according to USPS Certified Mail TransUnion received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 100 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 100 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 100 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 100 days soon so they should be deleted promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My challenge is that there is a Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law, why is it reporting as a derogatory. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Debt Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received an alleged " Collection Notice '' on XXXX/XXXX/2017. Debt is from XXXX c/o Credit Management LP. Allege due amount is {$200.00}. I have immediately contacted the XXXX ( my internet provider and the ONLY XXXX that I have brought service from ). Their security department told me that they do not own " XXXX '' and have not heard of this company before. They also verified that my account is still in good standing and there are no debts sold. I then Immediate contacted Credit Management LP with the phone number that provided on the allege " Collection Notice '' Which is XXXX. I have refused to provide my names and any of my personal information when I called. Instead, I gave them the reference number, client number and Creditor account number that they provided on the allege " Collection Notice '' and told them that I do not own such debt and please remove all my personal record from their records and do not contact me ever again regarding this fake fraud debt. If this fraud/scam continues, I will contact my lawyer and seek litigation against their company. First time I called them and said the above statement, they immediately hung up on me and the second time I called, I said a very similar statement, the lady on the phone said " Thank you '' and hung up on me again. I have kept a very close eye on my credit report. So if there are anything fraud is happening I will go above and beyond to seek legal actions to protect my rights and my properties. and to ensure there are no more victims falling for this scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
Someone stole my identity and applied to many different credit card company 's using my information. These inquiries are on my credit report due to the fraud taking place. I contacted the credit card company 's and reported the fraud but the inquiries are still on my XXXX credit report. They said I need to contact the Fedral Trade Commission and get a report. When I tried that I was sent to XXXX website. XXXX also told me to get a deletion letter from the credit card company 's so they will remove the fraudulent inquiries from my credit report. One of the fraudulent inquiries is from XXXX XXXX on XXXX XXXX ( XXXX ) XXXX the other is American Express on XXXX XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02
Company: The CMI Group, Inc.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I would like to enter a complaint against Credit Management L.P. They changed the billing name from Credit Management to XXXX ( Formally XXXX ) on XXXX XXXX refuses to remove the bill despite being paid in full Ref. # XXXX claim they have not been notified by Credit Management L.P. ( In their defense Credit Management L.P. did notify XXXX and XXXX. Both company 's removed the erroneous bill ) I complained about XXXX and got no where. I called a attorney and was advised to refile my complaint against the original billing company, that would be Credit Management L.P. YOU have my full permission to contact XXXX to verify XXXX changed the billing company name after they where notified to remove it however, Credit Management L.P. is the reporting agency that is why this complaint is against them on behalf of XXXX their Client!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief