BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-04
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
For over 30 days I have been getting a runaround from Barclaycard US regarding problems that I first reported on XXXX XXXX, 2016. I have had numerous attempts at following up some of which are documented in a letter that I will attach to this complaint. That letter should not be posted as it contains sensitive information The initial problems relate to there lack of compliance with their Transaction Alert policy and lack of awareness of or compliance with their Complaint Policy statement. They have also sent out form letters, one of which they claim was sent in error and no one is able to let me know who, if anyone has my letter to them and when or if anyone will ever respond. 

I have been unable to reach anyone at Barclaycard US who can escalate this to someone who might 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 explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Ive been sending written request to dispute several items on my report but my request has been ignored. The unverified items listed below still remain on my Credit Report in violation of Federal Law. They failed to comply with FCRA, 15 USC Sections 1681i within the time granted by law and kept on reporting the unconfirmed information which now, given all my attempts to address it directly with the creditor, as obstinate neglect and nonfulfillment with federal statutes. 


XXXX / XXXX / XX/XX/XXXX / {$0.00} XXXX  / XXXX / XX/XX/XXXX / {$0.00} XXXX/ XXXX /XX/XX/XXXX / {$7200.00} XXXX XXXX  XXXX XX/XX/XXXXXXXX {$0.00} XXXX XXXX /XX/XX/XXXXXXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX / {$0.00} XXXX XXXX XXXX /XX/XX/XXXX / {$3100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: CA
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:
Experian and XXXX  are reporting incorrectly a collection in the amount of {$850.00} on the XXXX XXXX XXXX XXXX  original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Several years ago I had a XXXX account. I followed the cancellation policy outlined by XXXX and the representative I spoke with assured me the account was in fact closed and in good standing. I did not receive any documentation from XXXX indicating that this account was in jeopardy. XXXX, even after the account was closed, continued to charge fees. I was not aware that this account had gone to collections until I obtained a copy of my most recent credit report. This account has no outstanding balance and therefore should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2015-08-15
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card
Issue: Delinquent account

Complaint:
Barclay 's Reward Credit Card is reporting that I am more than 30-days past due to all of the credit bureaus. They are stating that the last payment they received from me was on XXXX XXXX, 2015. This is incorrect. I made a payment on XXXX XXXX, 2015, in the amount of {$200.00}, which brought my account current and prevented it from being late or being reported late to the credit bureaus. As of XXXX XXXX, 2015, I received notification that Barclay 's is reporting that they never received my payment of {$200.00} on XXXX XXXX, so they are reporting me to the credit bureaus as 30-days late. This is inaccurate. Barclay 's has opened up a " missing payment dispute '' case internally with themselves and I have provided them a copy of my bank statement showing where the payment was taken out of my bank account. They are still in the process of investigating this, but being reported 30-days late to all credit bureaus by Barclay 's is severely affecting my credit report and needs to be addressed immediately, since I have provided all the documentation to prove that I made my payment on time. Barclay 's needs to update my credit report to reflect that I am NOT 30 days late, since I have provided all of the documentation that was requested of me by them to support my claim that I paid on time and the error lies with Barclay 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Convergent Resources, 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: Information belongs to someone else

Complaint:
I am writing to CONVERGENT OUTSOURCI agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting CONVERGENT OUTSOURCI agency to remove this collection 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 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 2021-01-06
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:
XXXX XXXXXXXX XXXX XXXX just labeled the following complaint as duplicate -- -- -- -- -- " How can every complaint and request sent to XXXX XXXX XXXX XXXX be labeled " duplicate '' when not one request or complaint has yet to be answered? I want XXXX XXXX XXXX XXXX to explain. I want XXXX XXXX XXXX XXXX, Transunion, and XXXX  to explain why every complaint and request sent to XXXX XXXXXXXX XXXX XXXX is labeled " duplicate '' when they have yet to answer one. '' Amazing!!! 
XXXX  XXXX XXXX XXXX is making a mockery of America Laws and government. In addition to labeling everything as " duplicate '', they have yet to send copy of the dated credit report that will prove they did not have permissible purpose to pull my credit in 2017 that led to a fraudulent auto loan.

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 2015-12-30
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
yes on my moms walmart credit card our monthly bill went from XXXX a month too XXXX a month??? we did not really charge that much for it too go up XXXX more a month???? so we would like a explanation not happy????? i do have power of attorney im her son XXXX/its in your records?????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: United Shore Financial Services, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously summitted a complaint in regards to a couple late payment 's being reported on my Mortgage loan. United Wholesale mortgage - XXXX is reporting a 30 day late on XX/XX/20 & XX/XX/20 and I was never late. They stated that the representative when I called in to make my payment in XXXX failed to run the payment and they will request for that late to be removed but there is no late being reported in XXXX. They also stated I was setting up my auto draft online, which I request the representative set up my account in auto pay when I called in to make a payment. I was not contacted when the account defaulted, I did not receive any calls, notices or letters. If I was made aware of the auto draft not being set up I would have called and made my payment to avoid the late notations. These late 's are erroneous and need to be removed from my credit file. This is the representatives fault for not setting up my payments or running my payment. I need the XXXX and XXXX late 's removed. I was not late and never have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have over 100 inquiries on my credit report that I did not authorize. Those inquiries along with the fraud alert on my file is making it very hard to obtain a home for me and my children. I have reach out through mail and over the phone to have the inquiries removed and nothing has been done.

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 2016-01-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Payoff process

Complaint:
Made purchases based on no interest promotion. Paid regualrly. Made additional purchase based on no interest promotion. Believed long period of no interest based on promotion expiration of 2018. Paid regularly. One promotional period expired and the payments we believed to go toward first purchase pay-off, went to both purchases so balance left on first promo and ridiculous back amount and continual amount of interest has accrued -- {$500.00} on initial {$1500.00} purchase. In the midst of pay-ff to GE Capital, account changed to Synchrony Bank w/o our consent. This helped to mask the confusion! Is it a common trick? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
While attempting to get a new mortgage on a new home built on the same property I was told that Suntrust/Truist held a lien on the property from the home equity loan that was taken out on XX/XX/XXXX. The home equity loan was paid in the full amount of {$4600.00} on XX/XX/XXXX. Loan payoff number XXXX was indicated on the check, this number was provided by the customer service member at the branch office of Truist. 

On XX/XX/XXXX I contacted Truist via their toll free number to initiate a lien release and provided the information needed to initiate the release. I was told that processing would take 1-3 working days. Truist did not start processing the request until the XXXX according to computer information provided by a local branch manager when I visited her on the XXXX of XXXX after numerous failed attempts to obtain information on the phone. On the XXXX the claim was 7-10 working days to finish the release Branch manageXXXX XXXX XXXX has been fantastic in contacting " the back office '' to check on progress of the paperwork but has been unable to get the processing done even by placing it on expediated notice. I was assured that the release would be processed by XX/XX/XXXX and per my county office this has not occurred. 

I requested that Truist provide my closing attorney with a letter stating that they were processing the lien release and they stated that since it was being processed that they would not issue anything until their process was completed. I am unable to close on my new mortgage and will lose the rate that I have locked in at if Truist does not process this release, costing me XXXX of thousands of dollars. 

Six months should be adequate time to process a lien release!

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 2020-03-13
Company: Experian Information Solutions 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:
Ive reviewed my credit report and happened to come across some information that must be deleted

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 2016-08-15
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Address still incorrect. Also listing two additional addresses that do not belong to me. 

Please remove XXXX XXXX from address. This is a single family residence. 
Please remove XXXX XXXX - Never resided there. 
Please remove XXXX FL - Never resided there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Good Afternoon my name is XXXX XXXX. On XX/XX/2021 some one applied for an Amazon synchrony bank credit card. I now have a hard inquiry. I called synchrony bank several times but nothing has been done.

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 2021-01-06
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted the company and the collection agency regarding the error of this account and it being related to fraud. They both have failed to get requested documentation to me as well as respond to my written and verbal request to provide proof of the validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, 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 information incorrect

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : US DEPARTMENT OF EDU XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: Other

Complaint:
There is an account that myself and my boyfriend opened in XXXX of 2009. We financed furniture and the limit on this revolving account was {$4200.00}. We paid on the account for 3 years paying {$220.00} faithfully every month. When I recently pulled a copy of my credit report, I noticed this account was still reporting a balance of {$8700.00} and was stating that it was charged off. It was actually reporting XXXX different ways amongst the bureaus and this rose suspicions. Just the simple math of {$220.00} X XXXX payments comes to a total of {$8200.00} that was paid for this {$4200.00} in furniture. I 'm having a really hard time understanding how the balance can is now {$8700.00} and no one knows how because they ca n't produce a paper trail. 
When I called Synchrony Bank to request billing statements so that I could review these crazy numbers that where being given as debt owed, I was told that they do n't have any of those records because all they did was buy out GE Money and they were n't given those records. This did n't sound right to me at all so I started doing some digging. When I researched GE Money and Synchrony Bank I realized they had been sued for adding an insurance balance protection plan and I know I was never offered anything of this nature when we had a hardship. I found also that the amount they were charging was 2 % of the principal balance and not knowing whether or not we signed up for this or if we where charged for this and not offered during the time of need is my reason for requesting billing statements and a copy of the signed contract. 
Originally, when I spoke to Synchrony Bank, I was willing to settle the account but again, the numbers did n't add up and to thing that I had already paid double what I borrowed and was possibly charged for something that I was totally unaware of but not able to utilize was very suspicious so I called and canceled the settlement offer agreed upon until documentation could be produced to verify the amount owed more than just someone telling me that is what I owed. 2 % of the balance is {$170.00}. If I was being charged for this insurance that I was unable to utilize, that would explain the balance being so high. That is the only thing that would be of any sort of explanation as to why I owe anything more for this furniture. I am requesting copies of billing statements so that I can better understand why the balance is what it is. I would also like a copy of the signed contract from XXXX XXXX which was done in store.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a home mortgage that is serviced  by Ocwen s ince around  XXXX   XXXX .     For the second time ( in as many years ),  Ocwen ha s declared that I do n't have the required flood insurance coverage for my home ( I live in a  XXXX  area so  XXXX  Florida ) and sent me correspondence that they plan to purchase flood insurance unless I can provide them with proof of existing coverage.     My homeowners insurance is a comprehensive policy that includes flood insurance and this is clearly stated on the declaration page. My wife and I spent weeks last year educatin g Ocwen  about our  XXXX  policy and had to escalate their lack of understanding through many layers  of Ocwen m anagement before we were able to get them to admit their error ( in writing ) and stop them from purchasing flood coverage ( at an exorbitant cost AND significant profit for   Ocwen ).
Unfortunately, it appears that there was zero learning within Ocwen as I received a demand letter from Ocwen tod  ay (  XXXX  ) stating that I am again missing flood insurance and that they planned to purchase the required coverage unless I could demonstrate coverage. My  XXXX  homeowners policy   is exactly the same policy as last year ( same company and agent as last year ). My strong belief is that Ocwen uses this process ( claiming missing insurance coverage when it is in fact in place ) to generate significant additional revenue for them.
By the way, in the ~14 months that Ocwen has been servicing my loan ; this is the third major error on their part. They are just terrible at doing their jobs.

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 2015-07-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I sent to Ocwen Loan Servicing an early payment on XXXX/XXXX/2015 to be applied to my currently outstanding principle. I found out it was n't applied the date Ocwen received the payment, XXXX/XXXX/15, but was applied to XXXX/XXXX/2015 due date instead. I asked for the correction and the earliest day they can apply it to was the next due date, XXXX/XXXX/2015. This practice is consistent every time I make early payment, 3 times so far. As interest is accrue on a daily basis, why ca n't my payment be applied to my outstanding principle the date payment is received? This practice is unfair and cost consumer money. I 'm not happy and I wish something can be done to fix this practice at Ocwen Loan Servicing LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: SYNCHRONY FINANCIAL
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On XX/XX/2019 We had a dentist dental for a cleaning '' appointment for our XXXX year old son. They put 3 concreted braces on his top 3 teeth with out even consulting us. I was furious we already had plans for a different orthodontist I felt pressured and wronged and I signed the contract that day just giving in to what they already did. We went home and called them and told them we are never going back please cancel. They refused to cancel and slapped XXXX on my credit : ( The next week we went to our personal orthodontist and he took them all off fixed them and started braces with him. He is about ready to get them off and all paid off. XXXX XXXX did me wrong they refused to cancel and it ruined my credit and now I have a recurring debt that is getting higher with interest. 
Thank you.

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