BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-12
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is calling before XXXX CST concerning, a past due payment that is not 30 days old. The company called on Sunday concerning the same payment, which was XXXX/XXXX/2016, this has gone to far. During the conversation the representative was demanding payment.

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 2017-01-13
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
synchrony bank froze all of my accounts that I had with them and shut off access to the accounts causing late fees. When all was said and done they closed 12 accounts that I had been using and paying on without ever being late once. They say they sent a letter that I did receive stating I needed to sign a tax release form which I did and sent back. They then closed my accounts because they could not verify my identity or finances. I am a XXXX veteran and do not pay taxes as it is not required for me to do so. I sent them a statement from the VA stating how much I get paid a month and at rate of XXXX but this is n't good enough coming from the VA I guess. How can they close my accounts that I use for everything for the month then pay then back down and use again. Now they are charging fees and raising the payments causing my credit report to suffer. I have dropped over 80 points on my credit report since they closed my accounts and think they should have to pay for their stupidity.

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 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom  this may concern : I mailed a Multiple Inquiry Removal Letter o n  XXXX   XXXX ,  2017  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that are being reported on my file. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL INQUIRIES, which was " Inquiries are a factual  record of file. If you believe this was unauthorized please contact the creditor. '' According to the FCRA Rules, FCRA 623  ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST BE INVESTIGATED, and if you do not investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response 4 days after the recipients received my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my Credit Reports displ ays a sign of financial trouble, when that is n't the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness for a consumer.

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 2017-02-18
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 was paid

Complaint:
In XX/XX/XXXX I purchased a stove from Conns. In XX/XX/XXXX my wife and I went back to purchase furniture for our living room we were told by XXXX the sales rep that in XX/XX/XXXX we could come back in and purchase a small dollar item and that he would allow us to combine the accounts. On XXXX the XXXX we returned to the store and purchased an item to combine the accounts. I started getting calls saying it had not been combined. I paid another payment to combine the accounts and started getting calls again. I returned the store and talked to the manager on XX/XX/XXXX who told me another mistake had been made and he gave me paperwork that said I did n't have a payment until XX/XX/XXXX. Since then I have been consatantly hararassed by telephone callas at my home, cell, text, and email repeatedly saying I still owe a payment that 's not due. It has gotten to the point where they have even called my wife who is not on the account. It is rediculous trying to talk to them because they want me to have their own store manager call them instead of resolving the issue for the customer. I have faxed them cease and desist calls other than to my home and the documents have been ignored and the calls continue. I feel violated and attacked by this company for something that 's not my fault. On all three occasions they gave me paperwork but continued the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I called my credit card company on or around XXXX XXXX to inquire why my card had been declined when I tried to use it. The informed me that someone had tried to charge {$5000.00} of electronics in another state. They let me know that they would send a new card in 7 to 10 days. Instead of receiving a card, I received a letter from the credit card company informing me that they had processed an address change. The address was in a city called XXXX, Texas which I was unfamiliar with. I immediately called the credit card company to inform them that I had not moved. They issued me yet another card. In the meantime, I requested that a fraud alert be placed on my credit report. When I received the credit information from XXXX, I noticed that it was mailed from XXXX, Texas which is apparently the site of XXXX headquarters. This leads me to believe that the theft of my card information occurred at XXXX by an employee. Why and who else would have access to my information and have my card sent to an address in the same town just minutes away? I have not yet contacted XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received any documentation about this debt send to collection by the previous company. I request this to be removed due to improper communication to give me time to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: EOS Holdings, Inc.
State: OH
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 written XXXX certified letters to this Debt Collector challenging the accuracy of debt attributed to me. I have never had an account with XXXX XXXX XXXX. I asked to send me documents to back up their claim. Nothing is forthcoming but the debt collector continues to report this to XXXX and I believe XXXX. There was a problem with identity theft when I was in XXXX from XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07
Company: Early Warning Services, LLC
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Consumer ID # XXXX This complaint is with a dispute filed with Early Warning Systems. They failed to have the company XXXX provide information used to validate the charge. XXXX reported to EWS that on XXXX/XXXX/15 I transacted or attempted to transact with an account in an unauthorized or prohibited manner. I am asking that XXXX or EWS provide the information used to validate this investigation. No information from the investigation was provided upon request. Further more they have inaccurate information in the file as far as address and phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: EOS Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: ARVEST BANK GROUP, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Central Mortgage Company charged a late fee that should not have been charged. 
They have done this several times on my online bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The company has been holding on to the surplus amount of the annual escrow. The statement account they sent dated XX/XX/2021, stated that they would mail the surplus amount under separate cover within twenty business days. When I did not receive it after the stated 20 days I called them in XX/XX/XXXX and they told me that the surplus amount would be sent on Monday XX/XX/XXXX. I called XX/XX/XXXX to ascertain that they had mailed the check, I was told that the check was mailed on XX/XX/XXXX and that I should receive it by the end of that week. On XX/XX/XXXX, I called the company to reverify on the mailing of the check and asked to talk to a supervisor. The supervisor told me that the check went out Saturday XX/XX/XXXX. When I asked why they told me the previous week that the surplus check had been mailed on XX/XX/XXXX, she could not provide an answer. 
I think that the mortgage company has been trying to not issue a check for the surplus 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 2017-01-13
Company: Mid-Atlantic Finance Co., Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have written to Mid-Atlantic Finance Company about providing me with a copy of any viable evidence bearing my signature showing the account is being reported accurately to the credit reporting agencies. On XX/XX/2016, I received a letter about what I had asked for, then I preceded to wait til 31 days to see if they would provide a " notice of dispute '' to the credit reporting agencies like the law requires them to do so. When I checked my credit reports, they have not provided the statement that I had disputed the item directly to them by letter. They were suppose to place the statement that I had " disputed by consumer '' in the remark area on all the credit reporting agencies. They have not done a thing and it 's been over 30 days. I sent them another letter saying they have violated the federal law to place a Notice of Dispute to all the credit reporting agencies within 30 days time frame. They have violated the FCRA. My letter clearly says to them that all they have to do is remove their company 's name and the negative remarks off my credit report on all the credit reporting agencies because they have broken the law and I will not decide to take them to court. I also let them know that I was going to report them to this website as well. Since they violated the Federal law I wanted them to know that I was going to take them to court in my area and I was suing for {$5000.00} in damages for the following : defamation, negligent enablement of identity fraud and violation of the FCRA. They still have not place the notice of dispute on my credit reports. Now I just want them to delete their company off all my credit reports, if not I will decide to get a lawyer and take them to court. All they have to do is delete the item off my credit reports. I have proof of every letter that I have written to Mid-Atlantic and their response to my letters in return. I will be going to court because I can proof my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: AFNI INC.
State: GA
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 is charging me for monies that I have paid to collection agencies. In addition, I was advised by XXXX to keep internet equipment and suspend accounts until I restore services in my new state that I moved to. Unfortunately, I decided to turn in the equipment ( see attachment ) and is currently being charged. XXXX is stating that they did not receive the equipment, but attached records shows that a XXXX employee signed for the equipment. Also, they have XXXX different collection agency contact me regarding the same account. I paid one {$170.00} and the other is demanding payment. Both are unethically on my credit report and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Equidata, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I checked my credit on XXXX ( report # XXXX ) and found that I have an account in colletion that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: BBVA FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was a customer of Simple banking. On XX/XX/XXXX they transitioned to XXXX. 

On XX/XX/XXXX, I followed the email instructions as sent by XXXX to set up my online account. 

Their website experienced errors on this day, and according to a banner on their website on XX/XX/XXXX indicated it was because of the volume of Simple customers setting up accounts on that day. 

I tried again later in the day on XX/XX/XXXX and was told that my account had been locked for security purposes and to call the customer service phone number. 

I tried to call the phone number and was placed on hold and the call failed after a few minutes. 

I tried again on XX/XX/XXXX and experienced the same dropped phone call. 

I called the customer service number again on XX/XX/XXXX and was on hold for several minutes before the call was dropped. 

I called again on XX/XX/XXXX and was on hold for XXXX minutes before the call dropped. 

I have yet to speak with a customer service representative, my account is still locked. I have no way to access my financial information. I have no idea if my bills are being paid. I have no idea what my balance is and I can not speak with anyone at the bank to access my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed several items on my credit report and they have not responded with proper proof or anything.

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 2021-05-12
Company: EQUIFAX, INC.
State: SC
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 hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: FL
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 XXXX, I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION FROM XXXX, XXXX, AND EQUIFAX. ON AN ALLEGED LATE PAYMENT ON A CREDIT CARD, I'VE HAD OVER 7 YEARS. 

I HAVE PAID AS AGREED AND NEVER BEEN LATE. 

ON TOP OF THAT WHEN I VIEWED MY REPORT THERE WERE A LOT OF INACCURACIES ON MY ACCOUNT, FROM AMOUNT OWED, BALANCE, OPENING DATE, JUST SEVERAL THINGS ARE INACCURATE. 

TODAY IS XXXX ALMOST 60 DAYS SINCE I SENT OFF ALL LETTERS CERTIFIED ASKING THEM TO VERIFY THE ALLEGED LATE PAYMENT AND THE OTHER ITEMS THAT ARE INACCURATE ON THIS ACCOUNT. 

ON XXXX, ALMOST A MONTH AGO I SUBMITTED A COMPLAINT TO THE I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late. 

STILL NO RESPONSE. 

COMPLAINT NUMBER XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: General Motors Financial Company, Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I had a XXXX XXXX XXXX on lease with GM Financial ( GMF ). I traded in the car on XXXX XXXX, XXXX. The new car dealer bought out the lease from GMF. However, between the time we negotiated the deal ( XXXX ) and the date the deal was completed ( XXXX ), I made another lease payment ( XXXX ) of {$250.00} which was automatically deducted from my checking account. The dealer told me that the leasing company would refund the over-payment. The lease was fully resolved by GMF on XXXX, as the dealer paid off the remaining balance. It is now XXXX, and after XXXX phone calls and XXXX e-mails, my over-payment is still unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12
Company: ENCORE CAPITAL GROUP 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: Was not notified of investigation status or results

Complaint:
I have sent 2 letters to each of the companies requesting documentation regarding the alleged debt. The first one was sent on XX/XX/XXXX to both XXXX XXXX and MIDLAND CREDIT MANAGEMENT. The second time I sent letters was on XX/XX/XXXX to both of the companies. To this day I have yet to receive any formal documentation validating this debt. XXXX XXXX is reporting a debt of {$880.00} and MIDLAND CREDIT MANAGEMENT is reporting a debt for {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Convergent Resources, 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 is not mine

Complaint:
For the better part of the past year, we have been working with XXXX to resolve an issue related to an early termination fee and failure to return equipment due to a temporary move to California for work. We were advised by a XXXX customer representative in writing that this error should not have occurred, yet to date it continues to persist and we have received several phone calls and written notices attempting to collect on an unpaid amount totaling {$1000.00}. This amount was acknowledged in an email by a XXXX XXXX XXXX with XXXX as an error on their part and that we did not owe this amount to their company. They have sent this amount to collections ( via Convergent Outsourcing, Inc. Acct No. XXXX ) XXXX now and have failed to act on the agreement they have provided in writing to us. That agreement stated that they actually owed us {$140.00}, yet this has not been refunded accordingly. The XXXX case number referenced in this case is XXXX and through their debt collector as case number XXXX. We have records of over a year 's worth of telephone and email transactions stating that the XXXX 's did not owe the amount requested, yet as of XXXX XXXX, 2015 it still remains unresolved.

Company response to consumer: Closed with explanation