BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: AR
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 have to file a complaint with Equifax, XXXX  and XXXX. I have called placed numerous alerts on my credit profiles. I have explained that there has been fraud on my accounts over and over. I have had fraudulent accounts removed only to have the accounts added back. According to the FCRA, I was to should have been notified, there hasn't been a validation of debit even without numerous disputes asking for verification. I have received nothing. I called and advised of the difficulties this has caused. I have had the same collections removed and added back without proper notification. I am asking that the accounts be removed. I have also enclosed proof of the 3 collections, one collection is a medical bill, this violates HIPPA as there are different laws that state medical information can't be shared, and this is direct violation as it listed the bill as XXXX XXXX, without proof this belonged to me. Next, their is a service listed for XXXX XXXX, under XXXX XXXX, this has been removed twice only to be added back, without notification of attempts to place the debt back on my credit reports, this is direct violation, once it has been removed, there has to communication or writing before this can be placed back, this hasn't been done. I am asking that this be removed once more. I have reached out to each bureau and asked that this be validated and nothing. That is another violation. Just stating updated doesn't validate, there has to be proof. All XXXX agencies use their 30 days to wait only to return validate without proof or actual description other than " agency validate '' This alone would require that the debt be removed. Lastly, according to the FCRA whoever this debt belong to once the original creditor dismissed this debt, it's unfair practice to place this one my credit report, as this hasn't been proven it belongs to me. The collection agencies should have notified me, the law states it must notify me within 30 days before being placed back on again this was not done. The resolution I am seeking is to remove the collection as each agency has violated my consumer fair credit rights. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I had signed and agreed to 0 % interest for 5 years for a medical procedure that was not covered by insurance. I set a direct payment from my checking account to CareCredit and therefore was not late with any payments. Two years later, I received a statement that was over and above the balance. I called and spoke to XXXX and was told that interest had now been added. I explained that my agreement was for 5 years, interest free. I then told him that I would pay the remainder of the balance of {$11000.00} in full plus XXXX and XXXX payments but that I would not pay any interest on the balance. XXXX tried to to waive the interest but the system would not let him. He told me to contact customer complaint in 3-4 days. I did and received a new reference. The issue has not been resolved and collection companies continue to harass me via emails, USPS and phone calls to pay the interest with a new amount of {$3300.00}.

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 2015-09-22
Company: Siggi LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
When I was in the military I took out a loan with omni Financial. I filled out all the paperwork and I also had XXXX insurance on the loan I payed the loan for years and refinanced several times and never been late. I got severely hurt in the military and became XXXX when I was XXXX I told omni they sent me a XXXX letter to fill out and send to the insurance company so they could dis charge my debt. When I called to get help with filling out the paperwork the representative told me I did not have insurance and she did not why the other rep gave me that info I explained to her that I get Inuance on all my debts because I 'm a XXXX and at any point any thing can happen to me. I was very upset because I paid all this mo ey every month and never late plus I p a I 'd extra for the insurance for them to tell me that I dI 'd not have it to make a long story short I pleaded with them I told them that I did not k ow when my va XXXX payments would kick in could they at least lower my payment of XXXX a month they told me no I paid as long as I could and then I had no more out of my savings to pay I am big on my credit and I always pay what I owe but the fact that I been payi g for XXXX insurance I feel that they did me an injustice I paid more than 150 percent Interest on a XXXX dollar loan they took my money and messed up my good name and credit I spent 14 years defending my country just to lose my ability to walk and my good credit history and good name I feel I been ripped off and robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: Late fee

Complaint:
For the last four months I have been hit with a late fee of XXXX on my due date which is the XXXX of each month. I have contacted the company and waived XXXX fee and stated that the are unable to waive another XXXX. I have had this card for 2 yrs now and I usally pay the balance in full on my due date.

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 2016-01-06
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XX/XX/2015 some one change address of my Synchrony credit card with out notify me. XX/XX/2015 someone use my credit card from synchrony bank {$900.00} ten times in one days at Wall mart in XXXX XXXX, on XX/XX/XXXX. that person pay the credit card {$9700.00} with fake check and in the same time Synchrony bank let that person buy {$900.00} more at Wall mart at XXXX XXXX before the check clear. I found out when I use the card on XX/XX/XXXX access denied. I called Synchrony bank and found there fraud activity going with my account. Synchrony bank start send email change address which I received on XX/XX/XXXX and after the fraud activity happen.. 
Synchrony bank closed my old account and move {$9900.00} + interest to my new account. 
When ever I call they always said under investigation and they accrue the interest. 
I report to [ police in XXXX XXXX, they said they can not do anything because the fraud activity happen in XXXX XXXX but the police give me the case number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-13
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been harassed by EOS CCA, and my credit credibility is tarnished because they have a collection debt on my credit reports that does NOT belong to me. My name is NOT XXXX XXXX! How is this even possible for someone to falsify information and add it to one 's credit report and defame my character? I DO NOT OWE THIS DEBT! Remove Immediately or I will take you to court for defamation of character and pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, 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:
I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX XXXX XXXX ( Opened XX/XX/2015 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Colony Brands, Inc.
State: AL
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:
XXXX XXXX and XXXX XXXX is reporting duplicateaccount on my XXXX, XXXX and XXXX Credit reports, The amount owing on the account was {$60.00} not {$220.00}. Have contactedthem several times and they have refused to remove this falseinformation. I have contacted all credit reporting agencies regarding this matter also. Please delete incorrect information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed a medical bankruptcy after talking to XXXX different XXXX and was advised by them all that a bankruptcy was my only option. First of all my attorney failed to notify me that I had a lean put on my home. Then when I sold my home I ended up paying a settlement that I have documents that show the debt was discharged in bankruptcy. My lawyer, XXXX XXXX XXXX Colorado, is claiming it was my responsibility to know that I had a lean. I was told by them, after they had taken my money, not to worry about anything they would take care of it all so how was I suppose to know. The lawyer in my closing said that Credit Systems XXXX Colorado is collecting on a dept that was discharged in the bankruptcy and therefore illegal because there is no debt to collect. I could n't wait the 6-8 weeks to reopen the case and get a judge to drop the judgment so I had to pay the amount. Called XXXX parties and getting the run around from them XXXX. Want to know if there is any recourse in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Wednesday, XXXX at approximately XXXX pm duplicate payoff wires were sent from XXXX XXXX XXXX XXXX account to payoff a Seller 's Bank of America mortgage. Payoff attached. The payoff amount sent in duplicate is {$140000.00}. Wire confirmation attached. The wire hit BOA 's account early Thursday morning of the XXXX. I called BOA payoff department and informed them of the duplicate payoff. XXXX, our bank did the same. Since approximately XXXX on XXXX, BOA stated the recall for the wire to return to the sender ( XXXX ) has been approved and sent. However, we have yet to receive the funds. We have run out of options to receive our funds back, and the only information we are getting from BOA is that is has been sent. I know if the wire has been, we surely would have received it Friday at some point. Please note, these are funds from our XXXX account, and it is imperative that we receive the funds as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: BARCLAYS BANK DELAWARE
State: AR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
there is a hard inquiry on my report from a company called barclays bank delaware that i have never applied for credit or never heard of this item should be removed ASAP and there is something wrong when i try to sign in to file a dispute all the information on the page is all wrong i'v never had any of them accounts and it wo n't let me log in i want this fixed please it 's ALL THE WRONG INFORMATION ABOUT MY MY PAST

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 2015-12-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Have received XXXX to XXXX ROBO calls from Synchrony Bank daily related to Amazon credit card. I did use this card and scheduled XXXX payments XXXX, XXXX and XXXX to pay off the charges ( 6 months interest free if paid ). First payment is XXXX/XXXX/15. This was based on their payment schedule. Their system when trying to connect from the phone calls was failing to transfer to a person until tonight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-11
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
received XXXX calls within 2 hours on XX/XX/2016,4 calls on XX/XX/2016 where I talked to a rep that insisted I make payment even after I explained to him in detail 3 times that no funds are available until after XX/XX/2016 and to please stop blowing up my phone. 
so I received XXXX calls on XX/XX/2016, XXXX calls XX/XX/2016, XXXX calls on XX/XX/2016 and XXXX calls with a real voicemail so far on XX/XX/2016. other calls also had voicemail but only *dead air*. 
clearly the company is either not keeping records of their customer contacts or they just do n't care about FDCPA. 
the company is a bank dealing with medical care credit- synchrony 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 explanation
Consumer complaint received 2016-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
This is with respect to my experience with Bank of America, XXXX, NJ Branch. I contacted them for a pre qualification of a mortgage loan before I can put an offer on a house I was interested in buying. I made it very clear to them that this is just pre-qualification and asked them if doing it will have any impact on my credit report, and if it did then I do n't want to proceed with them. They made it very clear that this will only be a soft check and it will in no way affect my credit history/report. I went ahead with the pre-qualification with them based on this assurance. However to my surprise my credit history was affected as they run a hard check on my SSN. When I contacted them asking for explanation, the person said she was not aware of it and said she was sorry, but said there was no way to fix it. This happened on XXXX/XXXX/2015. I even complained to the BOA redressal cell, but never got a response back from them. They never resolved this issue and I reached out to a person who asked me to call him for resolving the issue and he never got back to me nor to my message.

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 2016-10-15
Company: Conn's, Inc.
State: TX
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:
This is a supposed debt of items I did not purchase. In 2011, my identity was stolen. As a result some charges were incurred fraudulently using my personal information. This includes electricity bills, cable bills, stolen checks and merchandise purchased from CONNS XXXX. I have been a loyal customer to CONNS. Purchased and paid off my debts with only one missed payment. 
To my surprise, on checking my credit report, I see XXXX delinquent accounts with CONNS XXXX. All effort to dispute these charges with the XXXX credit reporting bureaus have been futile. 
They requested that I get a Police report, but the statute of limitation has elapsed. 
" I am requesting that These XXXX items be deleted from my credit report as I am not responsible for the purchase '' I have been a loyal customer and this may have caused Conns not to conduct proper verification of my identity before transacting business with the impostor. 
Again, I am not responsible for this accounts, Please DELETE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: SUNTRUST BANKS, INC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am contacting the CFPB as I am at my wits end and do not know what else to do. I have an FHA loan with Suntrust and my loan modification request was denied XX/XX/XXXX. The denial letter stated I was denied for FHA HAMP and FHA standard modifications because the investor decision was not received within 30 days. Which it hadnt even been 30 days because I submitted an updated modification request on XX/XX/XXXX and on XX/XX/XXXX, I was advised XXXX additional paystubs was required which I sent that same day. On XX/XX/XXXX, I was advised the file was complete and sent to the investor for a decision. The modification was denied on XX/XX/XXXX which is less then 30 days. I was then advised my only option is liquidation. I quickly appealed this denial and today, I was told the appeal was denied and still, my only option is re-instatement. My loan originated XX/XX/XXXX and my rate is 6.125 %. My monthly gross income which is based off my weekly paystubs is {$4000.00}. 31 % of that would make the proposed modification payment {$1200.00}. My current payment is {$1400.00} so there is still a small savings. I am not even asking for a lower payment, I am just begging this bank to acknowledge my major hardship and give me a chance to resume making payments so I can keep this home I love and need so much. My reason I fell behind to begin with was due to XXXX. I had been out of work for a few months while XXXX. When I was finally strong enough to return to work, I applied for a modification and I have been getting denied since. I have all the medical documents to prove all of this as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I currently have been trying to close out an account with lakeview loan since the XXXX of XXXX. I sent in 3 checks to this bank which were accepted and cashed on XX/XX/XXXX for the full amount. Today is the XX/XX/XXXX and they still say I owe money. Infact on Saturday I was told I owe XXXX and now they say I owe XXXX. How is that even possible. I have spoken almost on a daily basis with no one to assist in this process but a run around. Please someone help fix this.

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 2021-01-13
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Santander USA refuses to remove the information on credit reports!! if not ill sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I received a call from Navient requesting payment. I informed them I had not worked all summer and wanted to do a {$50.00} deferment process. The first person told me that if I paid {$50.00} on that day it would bring my account current. So, I did. The very next day I received ANOTHER call requesting that I bring the account current. When I explained to the man he told me " it had not been processed correctly '' and informed me he would take care of it. 
Today, the 3rd day in a row I 've received a call from this company, I was told that the {$50.00} payment ( which CLEARED my bank on XXXX/XXXX/16 and WAS NOT RETURNED ) had been reversed on the XXXX. I checked with my bank and they confirmed it had been paid and was not reversed or returned. 

If there are any late fees due to the negligence of these last XXXX people, I am requesting they be either waved or dismissed considering that I DID PAY TO BRING MY ACCOUNT CURRENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received Fraud alert from XXXX stating I had a delinquent account. I pulled my credit report to see a Barclays credit card that I never applied for. I immediately called Barclays who stated it was clearly fraud since they had my wrong address and date of birth. I also immediately notified all three credit bureaus. I just got a call from Barclays stating that their investigation revealed the account was mine because it was used to transfer balances from a XXXX account in my name. I HAVE NEVER had a XXXX account. They gave me the XXXX account number in question and XXXX has confirmed that this account has never been in my name nor have they EVER had an account in my name. Barclays has been completely negligent in allowing this account to be opened in my name without even verifying my current address or date of birth and are now causing me undue XXXX with their lies and incompetent investigating. A simple credit report proves I have never had a XXXX account.

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 2015-09-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am getting harassing phone calls from morning until night. I explain to my account holder that I was lay off at my job, for about 6 to 8 mths.But my company called me back to an new department. And can they please work with me until I get back on my feet.First I needed to find me somewhere to live because I was living in a women 's shelter. I am paying them something but not the full amount, l asked if they would wave some late fees to help me but that was a NO! All the robo calls is stressing me completely out XXXX separate numbers back to back from morning to night.Last call tonight was at XXXX.Please stop the harassing phone calls.

Company response to consumer: Closed with monetary relief