BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: MARINER FINANCE, LLC
State: FL
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:
Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a counter deposit in person at SunTrust branch of certified cashiers check from XXXX to be deposited into my named personal checking account ( in good standing no bounces, customer for 15 years ) on XX/XX/2021. The check was paid according to XXXX XXXX on the XXXX of XX/XX/2021. Suntrust held the funds until the XXXX of XXXX on the grounds that they have confidential information that the check may not be paid. I went in person to SunTrust on the XXXX of XXXX to inquire as to why my funds were held. XXXX XXXX, Vice President and branch manager of SunTrust XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( direct XXXX ) reported to me that the check had not yet been paid and the funds would post as soon as the check cleared. I then went in person to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and spoke with XXXX XXXX XXXX who provided that the check had already cleared on the XXXX of XXXX. I called and left a message for XXXX XXXX providing contact information for the XXXX representative and appraising her of my findings. At that point, I was contacted by email from XXXX informing that my case was being researched. On XXXX XXXX, XXXX XXXX returned my numerous attempts to contact her. She informed me that the funds would be held until the XXXX XXXX. She informed me that she was aware that the check was paid. She offered as a reason that the check was " a lot of money '' which is not a valid reason in 12CFR229 to hold funds. SunTrust acted in bad faith and provided no valid reason for holding funds.

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 2021-06-11
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SEQUIOA FINANCIAL SERVICES - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
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:
Toyota Financial Services showing late payments on one of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from Toyota Financial Services showing no lates during the period in question ( XXXX, XXXX, XXXX of XXXX ). They are using XXXX math and tricks just like XXXX XXXX XXXX did. ( see FTC vs XXXX XXXX XXXX ). They admitted their mistake on the phone. I want the CFPB to investigate Toyota Financial Services on their business practices on how they report on all their customers to the XXXX  Credit reporting agencies. I feel I 'm not the only one they have hurt. Their mistake cost me XXXX points on my credit score. Contract monthly payments are XXXX. We pay XXXXmonth to help pay the loan off faster. They told me they REMOVED a XXXX XXXX payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX has kept an auto loan on my credit report that no longer belongs to me. A judgement by the Arizona XXXX XXXX states very clearly that any and all debt related to the XXXX XXXX XXXX shall be awarded to my ex spouse. 

I called the company in XXXX where I was cursed at and received follow up harassment calls until I blocked the number. I have sent the dissolution of marriage document as proof. 

The definition for contempt of court according to Arizona law 12-861, " A person who willfully disobeys a lawful writ, process, order or judgement of a superior court by doing an act or thing therein or thereby forbidden. '' Forbidden in this case would be this car loan for a totaled vehicle still affecting my everyday life when judgement was clear. By the book, XXXX XXXX XXXX is guilty of contempt of XXXX. 

XXXX XXXX XXXX has a history of predatory behavior, and ignorance of the law. For example, in XX/XX/XXXX, XXXX XXXX XXXX was ordered to pay {$27.00} XXXX for the exact same reason as I mentioned, " Unfair acts or practices related to the collection of loans or repossession of automobiles. '' I will attach the lawsuit documentation as reference.

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 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have a negative credit reporting due to a company selling my information to a collection agency while in contact with me without my knowledge.

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 2017-06-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On  XXXX   XXXX ,  2017 , I made a payment in the amount of {$70.00} t o Synchnrony B ank via their online system. I used the same banking information I had previous utilized for past payments. After I completed the transaction I was not provided with a confirmation number, and the page froze. I waited to see if the page would refresh itself, and it did not. I then minimized the screen and opened up anot her window to go back to the website. I was unable to get back into the website after 3 attempts. I then opened up the smaller screen to see if there was activity on the page, and the screen has turned blank. This is an ongoing issue with the website for the company. On more than one occasi on the website has experienced a glitch during payment, or has failed to respond to commands. On  XXXX   XXXX , I received a notification  of a 30day late pa yment from Synchrony bank posted to my credit report. I checked my bank account to see if the transaction had posted to my account and it did. I immediately called Synchrony Bank but was told nothing could be done to assist, the payment was not in there system and that another payment could be made, yet the late charge would not be removed from my credit profile.  <P/> I am in the process of purchasing a home for my son and I. I am a single hardworking mother that strives to pay all of my obligations on time on a monthly basis. I experienced a  XXXX  point loss on my credit profile due to the technical difficulties of the company, and I was simply brushed off with a pacifying " I apologize ''. I have had this account for over 1 year and have experienced the most difficult representatives in customer service out of all of my accounts. This inacurrate and negative item has halted my homebuying process and has caused severe emotional distress in my life. Every month there is a different issue with this account, the fees attached and the way the account is being billed.It is never consistent.

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 2021-11-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( Bankruptcy and ( 2 ) Untitled Medical Collections ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Experian Information Solutions Inc.
State: NY
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:
On  XXXX / XXXX / 2017  my previous complaint for  XXXX   XXXX  was erroneously closed.   No intellibgible resolution was found. M y credit score w as wronfully dropped from  XXXX  to  XXXX  and has still not been brought back to where it belongs at  XXXX . No expalanation was ever given by  XXXX . If it is not fixed soon they will be hearing from attorney with a lawsuit. I have attached a copy of screenshots showing the previous and current credir score with   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 explanation
Consumer complaint received 2017-08-24
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/XXXX, I discovered XXXX XXXX XXXX account number xxxxxxxxxxxx XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This account was detected to have been deleted between XX/XX/XXXX and XX/XX/XXXX from Equifax which I have proof. Also, this account was deleted by the other CRAs ( XXXX and XXXX ) as well and has not been reinserted to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX  Balance {$2800.00} Date Opened XX/XX/XXXX THIS IS NOT MY ACCOUNT " Validate Account '' XXXX XXXX XXXX Balance {$85.00} Date Opened XXXX XXXX, XXXX THIS IS NOT MY ACCOUNT " Validate Account '' XXXX XXXX XXXX XXXX {$9000.00} Date Opened XX/XX/XXXX THIS IS NOT MY ACCOUNT " Validate Account ''

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 2017-06-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I have student loans duplicated amounts on my credit report. Each of them was under  XXXX   XXXX .  Navient  has assumed all the responsibilities previously performed by  XXXX   XXXX  as a federal loan servicer to handle the billing and other services on federal student loans. Then, Navient switch to  Education De partme nt Navient th at causes the student loan duplication issue.  <P/> Understanding the problem, the credit report shows both :  XXXX   XXXX /Navient and  Education Department Navient duplicated with exactly the s ame balances.  XXXX   XXXX  never marked the transferred accounts as " closed '' an d Education Department Navient still " Open - Current ''.   XXXX   XXXX  /Navient does not mark the acco unt as closed after they switch.  <P/> I contact Navient hundreds of times and they never accept the error and never perform any investigation in relation of it. They only p rovide a   XXXX   XXXX   address to send any complaint letter to Navient Fraud Department. I sent a lot of letters and they never answer. I 'm trying to fix this more than 9 years.   <P/> They continue reporting late payments also under forbearance every months. I 'm desperate, because they destroyed my credit and continue calling me, but never accept the duplicated error. Again, I 'm sending a lot of disputes letters and they never answer.  <P/> I also verified my original Student Loans documentation  in the National Student Loan Data System  and shows double quantities ( error ) between  XXXX  University and  XXXX   XXXX /Navient.  <P/>   XXXX   XXXX  /Navient are thieves and abusers. They know exactly that they are doing.  <P/> They never provide me the original instrument of ended nest is his original form. Therefore and under the law, I am not liab le about any financial obligation issued by licensed financial institutions following the FDIC Law PART 1020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 have 2 accounts that i had exceptional payment history with and During Covid I received a couple late payments that were not due to my fault at all ( and I am not saying latenesses were because of Covid ). It was an issue on the bank or lenders side. This has crushed my credit. I tried to contact them multiple times directly and through the credit bureaus. They removed 1 late payment, while i am grateful for this, i still want all removed because it was not my fault. It was a glitch within their systems that they admitted to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have written letter after letter to Transunion  Credit Reporting Agency las t letter was sent  XXXX   XXXX  and I have n't received any paperwork that this debit belongs to me. I ask them to remove it off my credit report and they keep send letters verified but, not any paperwork of proof of who they spoke too, what the actual dollar amount or did they get this from a third party parroting agency? I also ask to check and change address because that may be an issue because my name is very common not sure if they did that but, I did put in a request for the correct address.

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 2021-06-11
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all the qualifications under 15 USC 1681c-2 for Blocking and Removal of the information on my consumer report. You must comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
We purchased a piano at XXXX XXXX XXXX in XXXX XXXX, California on XX/XX/XXXX. The store salesman XXXX told us that XXXX XXXX XXXX now Synchrony Bank ) offers free financing, similar to car dealers, if you pay it off in 2 years, there will be no interest. We thought that's just how all big ticket items are sold these days from cars to XXXX and went with it. 

XXXX XXXX called and sent over a DocuSign with a 36 payments plan. I discussed with them that we are only interested in the free financing offer and were told it's a 2 year plan. They said yes that's right and that we need to set up an automatic payment to qualify. I said that's not a problem, definitely and I asked them to divide up the total amount that I need to pay by 24 months and set up the auto withdrawals for us so that we will have it pay off in time to avoid any finance charges. This was XX/XX/XXXX. 

Now fast forward to XX/XX/XXXX. I thought our last monthly payment would have been XX/XX/XXXX, but I got another automatic withdrawal by XXXX. So I called their customer service, and they told me, in order to qualify for the offer, my payment should be paid no later than XX/XX/XXXX and my automatic payments were set up to draw on the XXXX of each month!!! 

So basically they set me up to fail!!! This is so unacceptable that they basically used my trust to make me miss a few days so that they can charge me all the financing charges! Please help me get this right and please help all other consumers avoid such a trap! So unethical!

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 2017-06-07
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Two years ago i became unemployed. OCWEN told me to file an application for mortgsge assistance. With much delay with back and forth snd missing documents, they denied my appkication because they processed it as a modification. I filec again. It was the same stalling process which then i was told application expired and to start again. I resubmitted the application again which as per Ocwen, has been lost. I was denied mortgage assistance and foreclosure protection while unemployed. When i was paying my mortgage they had me over paying in escrow and they were not paying my taxes or insurance on time.
I have been working for six months. Ocwen will not allow me to make monthly payments until i pay {$45000.00} in missed payment which does not include interest and fees. In   XXXX   XXXX  , I wrote a complaint to their research department. I received a letter with a reference number and an assigned agent. The letter says i should have a response in 10 days. No response as of today. When i call and ask to speak with the agent i am told that person doesnt work there. Ocwen has caused me a great deal of stress and frustration. I fear becoming homeless everyday. They refuse to workout a payment plan or any agreement to resolve this situation. They advertise " we are here to help '' but they have failed to deliver required foreclosure protection to me. They have denied me assistance to avoid foreclosure. They have added to my already everyday struggle and have caused me more loss. They have failed to adequately investigate and respond to my concerns and complaints. They have initiated foreclosure before completing a review of my loss mitigation. I feel they have wrongfully initiated foreclosure proceedings. Should i hire a lawyer at this point? Is there anything you can help me with?
I would be grateful for your response.
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Experian Information Solutions Inc.
State: TX
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:
There is wrong information appear in my report. I demand to see verifiable proof of the accounts you listed  XXXX   XXXX  CT NJ  XXXX  -  XXXX   XXXX  Account #  XXXX    XXXX   XXXX   #  XXXX  ''  XXXX   XXXX   XXXX  Account #  XXXX    XXXX    Account #  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 2017-06-07
Company: EQUIFAX, INC.
State: TX
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:
There is wrong information appear in my report. I demand to see verifiable proof of the accounts you listed  XXXX   XXXX  CT NJ  XXXX  -  XXXX   XXXX  Account #  XXXX    XXXX   Account #  XXXX  ''  XXXX   XXXX   XXXX  Account #  XXXX    XXXX    Account #  XXXX  ''

Company response to consumer: Closed with explanation