BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-27
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I 'm tired of the calls from Synchrony Bank for XXXX XXXX XXXX XXXX Credit Card. I 'm unable to pay the card in the full minimum balance that keeps increasing each month. I talked to them to help in the hard ship situation but they keep calling. I WANT THE CALLS TO STOP!!! I wish I NEVER got the card. 

Apart from this month, I 've missed XXXX payment, but they make it seem as though missed so many. they give you options of amount to pay, if they do n't want me to used those optional payment amounts, why do they offer them, then they call me as though I have n't paid them. Yes, I 'm going through financial hardship at this time, but the calls are so annoying. And I feel harrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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:
I received a call from supposed debt collector law firm XXXX XXXX and XXXX ( XXXX ), and a very aggressive man who said his name was XXXX XXXX called threatening me about an account I had from Fifth Third Bank in 2009. It claims to be a law firm handling an account that was delinquent over XXXX years ago. He stated my social security number, as well as the person who I opened the account with, and offered to settle the debt for a lower amount. I am in the process of making a large purchase and was afraid this was negatively impact my credit, but after taking the call, I realized how much was wrong with the call, including the fact that I paid the debt years ago. The documents sent over are fraudulent, the website is fraudulent, and now when I try to call back, no one answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is currently being serviced by SPS. SPS has hired XXXX XXXX XXXX to proceed with foreclosure action on my home. SPS has set a foreclosure sale date for XX/XX/XXXX. SPS has refused to offer any loan modification assistance, which is a violation of CFPB law. SPS has also refused to offer FHA face to face meeting to mediate, which violates Qui Tam and obstructs the Federal Government. SPS has refused to offer assistance to mediate per IN 32-30-10.5, which is a violation of IN state law. SPS also never served me with the foreclosure notice, thus violation IN civil lawsuit procedure. Overall, I feel like SPS is trying to steamroll me through the foreclosure process. I want to save my home and I am seeking your assistance on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection reporting on my credit that is not mines. It appears to be from an auto loan that I did not authorize nor give permission to anyone else. I have never financed a car through this particular lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: NRA Group, LLC
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been calling to dispute this debt because I do not owe it. I 've spoken to several agents and they noticed I had insurance on the date of service but they will not remove this debt. It is on my credit report and I 'd like it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a copy of my car report in viewing it I found the below errors I previously disputed this error however it continues to reappear and reach my credit report affecting my credit score 1. XXXX XXXX XXXX XXXX # XXXX pay status states charged off however the account is not a charged off account ( letter attached ) 2.XXXX XXXX XXXX # XXXX pay status states charged off this is incorrect XXXX balance is correct ( letter attached ) 3. XXXX XXXX XXXX # XXXX pay status states charged off this is incorrect should be XXXX balance ( letter attached ) 4.XXXX XXXX XXXX XXXX # XXXX pay status states 60 days past dues but balance states XXXX how can that be correct account is pay off not 60 days past due The following inquiries were not requested by me I contacted the creditor as advised they were suppose to delete inquiries XXXX via XXXX . XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XXXX/XXXX/XXXX Remove Initial Fraud Alert from file

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 2016-03-21
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a vehicle thru XXXX ( XXXX XXXX XXXX ) Dealer license # XXXX on XXXX XXXX 2016 I was financing the vehicle thru A company called XXXX. On XXXX XXXX the vehicle was repossessed thru Ally financial thru the old owners name, I have all of my paperwork that was filled out at the time of purchase and my registration in my name with my tag I transferred. Ive made numerous calls to both Finance companies with no hope in sight. XXXX XXXX XXXX is no longer in business so I have no where else to turn

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 2022-07-26
Company: EQUIFAX, INC.
State: CA
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:
To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY. 
Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy. 

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 ) Therefore I am requesting IMMEDIATE REMOVAL OF ALL Negatives ITEMS FROM MY CONSUMER RFEPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: CMRE Financial Services, Inc.
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 was paid

Complaint:
CMRE Finance Services is in collusion with XXXX XXXX XXXX XXXX to extort money from me for a bill that was already paid by my husband 's insurance. 

XXXX XXXX was billed for the XXXX {$1100.00} ( XXXX XXXX XXXX XXXX ) and for the physician, {$1800.00}, ( XXXX XXXX XXXX ). XXXX XXXX then sent us a bill directly for the {$1100.00}. I told them our insurance had paid XXXX XXXX XXXX. Rather than check the facts they sent it to CMRE for collection. I told CMRE the bill was paid and sent them a copy of the insurance statement Rather than check the facts they filed a collection on my XXXX credit report. I sent a letter to XXXX to investigate. They took the word of CMRE Financal. 

I have sent letters to CMRE and have spoken to them on numerous occasions and have spoken to a manager named XXXX. Their story kept changing. First they said the {$1100.00} was not for XXXX XXXX XXXX that it was for the doctor. I questioned this since it was highly unlikely that the XXXX and the doctor would charge the exact same amount. They then said the doctor 's original bill was for {$1800.00} and that the {$1100.00} was the settlement amount. I told them the doctor had billed directly the {$1800.00} and was paid. How did they know what the original doctor bill amount unless they were working with XXXX XXXX? I sent them the XXXX XXXX statement showing them this. They said they would look into it. Since then they have not returned my calls and my credit report shows the collection.

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 2016-12-21
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been called several times from a place called CRME for various medical bills that have never even gone to collections. 
Caller ID shows up as a local number XXXX. Automated voicemail gave # XXXX. I called back and the girl that answered stated I owe medical bills from 2014. ( Which I do not owe ) She was very rude and wanted to argue. I told her to call the doctor 's office that she is so called representing and send me something in the mail documenting this because I have never received anything at my home address about any bills. ( I have lived there for 8 years ) She wanted my credit card number and I would n't give it. I told her to send me documentation in the mail and she hung up. 
I tried to go on their website to pull up the so called account # they were referring to and it directed me straight to a payment page where I had to enter a credit card. There is no way to pull up any info without inputting your credit card number. I did not do of course. 
My identity was stolen at the beginning of this year and I am still trying to clear the mess because of these scammers. I am so tired of these losers stealing from people..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2016-10-20
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
For almost a year, I have been filling our paperwork sending in information on getting an IBR payment plan. For the last 6 months, I either did not receive any notice of denial or when my denial came it was little things that they did not find in the previous applications. For instance, they denied my one application because my husband did not sign it ... but he actually did. However, they did not contact me until after the 30 day time frame so I had to resubmit. Then they denied it again because I checked an extra box, but they did not tell me that was the issue the first 3 times I submitted. After resubmitting the last time a month ago, I have not heard anything from them except to demand the loan in full. I have sent all my paperwork in over and over again and still they refuse to work with me and each person tells me something different. Even with a third party on the line trying to help ( XXXX XXXX XXXX ). At one point I asked them to verify the date they mailed off the letter I am defaulting on loans that I want to pay, just at a lower rate. Unfortunately, they made the process so tedious and difficult that it has made dealing with loan harder than it should be. Even after the letter demanding the full amount of the loan I get an email saying my forbearance is excepted. I honestly do not know what to do any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit Bureaus have ignored my request for their methods of verification regarding accounts that are inaccurately reporting on my credit report. I am aware that according to the FCRA the Bureaus are required to provide such methods if requested by the consumer. Instead they choose to blatantly ignore me and my request all together forcing me to take additional measure such as filing a complaint. 

I'm exhausted and simply want to correct any errors and inaccurate reporting on my credit report but they aren't conducting real investigations. They're only providing automated responses which is doing harm to my credit because I am not able to have these issues resolved.

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 2019-12-27
Company: LTD Financial Services, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection reporting on my credit that is not mines. The debt originated from an apt that I have never lived in nor signed off on. This debt is completely inaccurate and appears to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone is using my name, social security number. These hard inquiries is fraud and does not belong to be. I have no knowledge of these hard inquiries.

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 2020-06-19
Company: PNC Bank N.A.
State: IL
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:
I received a direct deposit to my account on XX/XX/2020 for unemployment. I have a Pnc Smart Access Card and they have now put a hold on my account and I dont have access to my money. They will not give me a time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violates my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15.U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information. Any others adverse item of information, other than records of convictions of crimes which antedates the report by more of the seven years.

15.U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-01-21
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony bank has called me 3 times daily using robocalls for a debt I am delinquent on, starting XX/XX/XXXX. I know they are robocalls, because they have left voicemail each time, which I need to delete in order to keep my mailbox working. I still have four voicemails in my inbox starting from XX/XX/XXXX. The times they called, according to my call log, and all with the ( XXXX ) XXXX number are XX/XX/XXXX : XXXX XXXX ( twice ), and XXXX XXXX XX/XX/XXXX : XXXX XXXX, and XXXX XXXX ( twice ) XX/XX/XXXX : XXXX XXXX, and XXXX XXXX  XX/XX/XXXX : XXXX XXXX ( twice ) XX/XX/XXXX : XXXX XXXX ( twice ), and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I own a condominium and my HOA pays for the homeowners insurance. I have a mortgage with Rushmore Loan Management Services , LLC. On XX/XX/XXXX Rushmore sent me a letter requesting a copy of my condominium master insurance policy. On XX/XX/XXXX I sent them a copy by fax ( 3 times ) and by mail of this insurance policy and also my HOA sent them a copy. On XX/XX/XXXX I call Rushmore to follow up and they confirmed receipt of insurance policy, they told me they got it. 
This corrupt and fraudulent company, Rushmore, keeps sending me letters requesting this same insurance policy and is harassing me saying that they will buy insurance and I have to pay them {$690.00} because they have not received the copy of my HOA master insurance policy. On XX/XX/XXXX I just got another letter with the same harassing words demanding proof of insurance or to pay them {$690.00}. On XX/XX/XXXX I call them to find out what is going on and they put me on hold for hours, then transfer me from person to person, then they just hung up. 
This has been happening with this company every year, and I have no choice but to seek for help with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: MS
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:
TWO TIMES NOW I HAVE TRIED TO DISPUTE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MY ACCOUNTS I NEED THESE ACCOUNTS REMOVED OFF MY REPORT I HAVE NOT LIVED IN THE XXXX AREA I HAVE FAMILY THERE BUT NOT ME I DO NOT KNOW HOW THESE ACCOUNT POPPED UP ON MY REPORT PLEASE LOOK IN TO THIS MATTER.

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