BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an account with  Santander  that beca me 30 days d elinquent in   XX/XX/XXXX . The account was never brought current and reported negatively on my credit report until the account was paid in full in  XX/XX/XXXX . According to the FCRA 623 ( a ) ( 5 ), this account should be re moved from my credit report. It has been re-aged by the original creditor to reflect a different date of default. The account has been aged more t han seven year s from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from     XX/XX/XXXX  sh owing the original status of the loan, prior to it being paid in full. I have disputed the information with  XXXX   XXXX   XXXX , whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquency (   XX/XX/XXXX  ) and the date of first delinquency reported (  XX/XX/XXXX  ) as required by the FCRA. I have attached a copy  of the updated credit report as well. This account should be removed from my credit report as it has reported negative information  for 9 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: DYNAMIC RECOVERY SERVICES, INC.
State: CA
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 received two phone calls from this company dynamic recovery solution once the week of XXXX XXXX and the second one from yesterday XXXX. The number they are calling to in a business number with random different people working volunteering. I personally have no issues paying my credit cards. I seen review form website that this company is a scam and they try to collect debt that does not exist. The man said his name is XXXX and he is from dynamic debt recovery solutions ( XXXX XXXX XXXX. Our work phone number he called is XXXX XXXX XXXX XXXX and our message is on our voice mail does not give out names it just stated the XXXX of the business and departments so how do I know he is real or a scam? I do n't want to call amd get harassed. Please advise. In the meantime I will ignore he calls which are random as well. 
XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-05-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
EXPERIAN  I WE NT ON ONLINE TO GET M Y CREDIT SCORE  THEY CHARGE MY CARD FOR {$1.00} I RECENTLY DISCOVERED THAT SINC E 2016 THE Y HAVE BEEN CHANGERING MY CARD {$24.00} A MONTHLY I CALLED TO RESLOVE THE PROBLEM FOR A REFUNG BECAUSE I WAS UNAWEAR  OG THE CHARGERS BUT THEY ONLY REFUND ME FOR ONE MONTH {$24.00} AND  TOLD THEY GIVE ME THERE FREE ACCOUNT I TOLD THEM I DONT WANT THAT I WANT TO BE REFUNDED FOR EVERY MONTH THEY CHARGER MY 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 2017-05-08
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I filed a stolen card report with serv e two mon ths ago they never sent out a replacement card they refuse to give me my active funds. They keep saying a different date the " replacement card '' was sent out. When I  called American Express serve a representative told me that they dropped the ball no card had been sent out I have been without my card for almost three  months and missed payments on a number of bills due to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX  Balance : {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This is my second complaint towards Synchrony Bank ( aka. Care Credit ). They are again miss applying my payments and calling me saying I am behind on my account. I pay every 2 weeks without fail. I tried to talk to the person on the other end of the phone but they either did n't understand what I was saying or did n't want to hear what I had to say. I should be ahead by XXXX or more payments at this time and there should not be any reason for them to call me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America has XXXX the ability to make principal only payments on their website. The only way to pay extra principal payments is to make a future loan payment, and then pay extra on top of that.

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 2017-05-08
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 status incorrect

Complaint:
I had an account with   XXXX   XXXX   XXXX   that became 30 days delinquent in  XXXX   XXXX . The account was never brought current and reported negatively on my credit report until the account was sold in  XXXX   XXXX . According to the  FCRA 623 ( a ) ( 5 ),  this account should be removed from my credit report. It has been re-aged by the   XXXX   XXXX   XXXX   t  o reflect a different date of default. The account has been aged more than  seven  years from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from  XXXX   XXXX  showing the original status of the loan, prior to it being paid in full. I have disputed the information with Equi fax Information Services , whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquency  (   XXXX   XXXX  ) and the date of first delinquency reported (  XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the updated credit report as well. This account should be removed from my credit report as it has reported negative information for 9 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid XXXX in 2008 in full please remove from credit report

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 2017-05-08
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In  XXXX   XXXX  we purchased furniture from Ashley Furniture and were told by the salesperson that we had 36 months to pay off our purchase with 0 % interest ( ~ {$3100.00}  ).  We setup our automatic payment amount of {$87.00} to pay off the principal in full within the 36 months. However, we noticed that we were still paying as of this month. When we contacted Synchrony Bank today  XXXX / XXXX / XXXX  ( who carried the card ), they informed us that we were actually signed up for the 12 month no interest promotion. We had another account with  Synchrony  for our  XXXX   XXXX  purchase which we paid in installments with no interest. We were led to believe we had a similar setup with Ashley and therefore continued making the scheduled payments. We had the ability to payoff this loan at purchase, but as stated were told be the salesperson that we had 0 % for 36 months. Now we are being billed for over {$2300.00} in interest. In order to avoid any more interest penalties I have paid the remaining balance today - but feel that the deceptive practices at  Ashley  have cost us thousands of dollars.

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 2016-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
we have a few problems with Bank of America 1. Bank of America issued an incorrect payoff to our attorney. 
2. we had closing on our house XXXX XXXX, XXXX 3. Bank of America lost the wire transfer to pay the house off. 
4. We called many times to try and resolve it and ended up wiring an additional {$9300.00} 5. We had had to pay for forced placed flood insurance through XXXX XXXX eventhough we do n't own the house. 
6. they are supposed to cancel flood insurance and issue a refund from closing date 7. they have n't issued a refund of flood insurance we sold our house. 
8. The house suffered substantial damage in super storm sandy. it needed to be torn down and rebuilt. the flood insurance did not give us enough money to rebuild. so the house had to still have flood insurance on it even though it had no insurable value. 

Bank of America gave the lawyer the incorrect amount for payoff. Our title company wired the payoff on XXXX XXXX. Several days went by and our account did not reflect any payments. We called our lawyer and then the bank. Bank of America kept saying it would appear and give it more time. Finally after my husband had called almost every da we found someone in payoff who looked up the wire by the dollar amount and found that it had been received by XXXX XXXX. They said the amount of payoff was incorrect we owed money for forced placed flood insurance. We wired the amount they said we owed over {$9300.00}. We had to pay for flood insurance for insurance from XXXX XXXX to XXXX. They would cancel our insurance and issue us a refund. We received a letter saying they would refund us {$1300.00} because the insurance was not needed after XXXX XXXX. Closing was XXXX XXXX. 
we called XXXX XXXX, XXXX and a bank of America representative said the check would be received by us by XXXX XXXX, XXXX we called XXXX XXXX, XXXX and they said to give it to XXXX XXXX, XXXX if we still have n't received it they would issue an new check. 
we called XXXX XXXX, XXXX they said they had no record of us deserving a refund check. finally after being bounced back and forth between many departments they requested we fax them the letter we received from then because they cant find it. 
Bank of America is very difficult to deal with. They should have honored the incorrect payoff or they should have deducted what we owed after the flood insurance was cancelled and had up pay that amount so we would not have to wait for a refund. or how about they cut us a break and not charge us interest for the last 11 months. we paid our mortgage up until XXXX XXXX we just could n't afford it anymore we had to pay rent on a place to live. Its been horrible since super storm sandy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-08
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended  XXXX  University in  XXXX   XXXX , NJ from   XXXX   XXXX   to   XXXX   XXXX   as an  XXXX  in the   XXXX   XXXX   XXXX  . I did not like my major and college in general was not working out for me. My grades were okay to start off and then proceeded to get terrible by   XXXX   XXXX  . I took a leave of absence which turned into me just dropping out. Each year had costed about {$20000.00} total and so my total in borrowed money from the private student loan company "  Salliemae '' w as about {$29000.00}.  XXXX  loans were used,  XXXX  for {$22000.00} and  XXXX  for {$7000.00}. The interest rates are  11/38 %  8.88 % and they 're fixed rates and can not go down. I just moved out of my parents ' house living in an apartment on my own and I 'm realizing how difficult it is to keep on paying the monthly payments I have been paying for the pas t two  years. Since   XXXX   I 've been paying {$580.00} monthly total in student loans, {$450.00} to Salliemae and {$120.00} to a federal student loan.     Recently I called Salliemae explaining the situation and asking if there was any alternative monthly payment plan and they said simply no. They said that income based repayment plans and things of that nature are for federal student loans only, not private student loans. They went on to explain that the only choice was basically to be late with my monthly payment, get a late fee applied to my account of no greater than {$25.00} and they wait for the collections agency to contact me about collecting the debt. This is what I 'm currently doing but I 'm afraid it will ruin my credit and I 'm afraid that Salliemae might take money directly from my paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My computer was hacked by a company called  XXXX   XXXX   XXXX , by a man named  XXXX   XXXX . He then sucked me into a banking scam that resulted in him ( and/or his company ) transferring a cash withdrawal fro m one of my Fifth Third cre dit cards in the amount of {$7000.00 } (   one tr ansfer for {$2000.00} and a second transfer for {$5000.00}  )  into my checking account and then stole it. I filed a complain with the  Fifth Third fr aud department but got a letter back from them saying they had " conclusive evidence that I had made the  cash advance '' and that they only investigate internal fraud, not anything external. This came after I tried explaining the the gentleman from the Fifth Third  fraud dept. what had happened, but he told me he had enough information and they " would bet back with me ''. I assumed that meant they would get in touch with me for a more detailed explanation of what happened and how I got scammed, but it did not. They simply made their decision based on partial information and did not seem concerned with the entire story. I have since reported my fraud complaint to the FBI  Internet Crime Complaint Center ( IC3  ), but have not heard anything back from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I filed a complaint XXXX. I spoke with a representative of XXXX. I was informed that the incorrect information would be removed regarding the account at issue. XXXX has failed and refused to correct the inaccuracies that resulted from their internal policies and procedures. XXXX has not only punished me for error. They canceled my account without notice or any type of due process, or even a cursory review of facts and proffered evidence. 

Notwithstanding, XXXX has without cause cancelled my account that I had with XXXX for over 20 years. XXXX has cancelled my account and now states that XXXX will give me the opportunity to reapply. XXXX is fully aware that after 20 years of being timely with XXXX and all my creditors. I have retired and no longer have the financial power that I had before retiring. 

After having credit worthiness to obtain car loans, credit cards, and purchase three homes through the VA. After working and being financially responsible, XXXX set this entire situation in motion in whats appears an opportunity to discredit me knowing my insular and unprotected status. I am requesting that I be allowed to forgo any further internal procedures that XXXX is not inclined to respect. I am requesting that I be allowed to proceed directly to the proper judicial in an effort to be fairly heard, treated with some decorum of legality. 

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
Consumer complaint received 2017-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Servicer, Bank Of America, forged documents to foreclose on debt was  discharged  in banktcruptcy, and the bond holders have not suffered any loss.

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 2017-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a  Checking and Savings Acc ount with Bank of America.     A few days after the accounts where opened I deposited money in both accounts. A day later I tried to access the accounts by logging in online and access was denied. I was told when I called the risk department the bank decided not to do business with me and the accounts were closed.     I was also told during that call that I would need to go to the local branch to get my money back. I went to the local branch and I was told they couldnt give my money back because they dont have access to closed accounts and the risk department should have told me they would mail the funds back to me.   In the meantime, I keep getting new account information from Bank of America regarding the opening of the accounts ( see attached document ). But no mention of the money they are attempting to steal.     I have attached documents showing the money is there and I would like my funds mailed back to me ASAP ...

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 2016-11-03
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am late on paying on a {$25.00} payment to sallie mae. They call 8 times a day i asked them to stop calling an to send a paper statement. I have told them that i feel the calling 8 time a day is harassment, the say " the law lets us call that many times ''. I have stated that FTC Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) sub section 806, ( 5 ) " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' They refused to fallow the law in regard to collations of a debt. They need to be brought to justice. and fined or jailed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loan repayment is extremely high with high interest rates. Repaying the loan is difficult with my salary I am currently collecting. Trying to talk to them to lower my monthly payments is a struggle, and forbearance actually hurt me when I tried it once. They still charged me after I fell behind on my loans and needed assistance by placing me in a forbearance for XXXX months, where I still paid close to {$500.00} per month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company  General Revenue c alled me and asked to speak to me. I told them I was the person they were looking for. The representative immediately began asking me questions ( my home address, my date of birth, my social security number ). I asked what debbt she was trying to collect and she refused to answer until I gave her the information. I refused and she became very hostile. I hung up. I received a letter in the mail from the same company. I called to set up a payment arrangement. I told the representative I was still in college ( this is a part of a federal student loan debt ) and was not employed. I told her I could make small payments. She began to ask for my bank account details, social security number. She also wanted my husband 's employer information and his social security number. I refused and said could I just give her my payment amount and use my credit card. She got hostile again. I hung up and called the number back only to receive a fast busy signal. I do not think this is a vaild company. I see a lot of complaints online from other consumers. I will work to pay this debt off but I am not giving out all of my personal information to a company that is a potential scam and also abusive in their language.     Creditor : University  XXXX   XXXX   File  number :  XXXX  Amount owed :  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