BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I paid {$7500.00} for dental work XXXX with my Carecredit card and was given XXXX  years deffered interest. I was told as long as I paid my monthly payments I would be able to avoid the interest. I was under the impresion that my monthly payments would automatically go towards my deffered interest purchses to avoid interest. I feel like the company purposefully put my payments toward non deffered purchases so they could charge me the interest for my deferred ones. The interest they charged was {$4700.00} and my account is now overdrawn by {$3100.00}. I called to ask why my payments were not going toward my deffered purchases and was informed I would have had to call and specifically ask for that, which is sketchy. I aksed if there was anything I could do and was informed that if I paid the remaining balance of {$5900.00} by XX/XX/XXXX they would remove that {$4700.00} interest charge, however this is not possible. I called back again and asked if any of my previous payments could go towards this purchase and was informed only one could because it had to be within the last 60 days. Which only brought it down to {$5700.00}. I find it extremely unfair that I was not notified my payments would not go towards this deferred purchase. In fact, I was told by the dental office that as long as I made my monthly payments I would be in the clear.

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 2021-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They contacted me and identified the debt amounting to {$740.00} and I never received information to verify and validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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/2023 I ordered a copy of my credit report and discovered that there were items listed in my consumer report that aren't allowed by law and need them removed immediately. According to the FCRA 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. The rules of construction exclude any report containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments shouldnt be included in the report as stated in sub section 603 ( b ) ( 3 ). I need these transactions removed from my consumer report because I never provided written permission for the consumer report to be furnished in the first place and under the FCRA subsection 604 ( permissible purposes of consumer reports ) ( a ) ( 2 ) my rights have been violated.

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 2021-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them immediately.

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 2023-02-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I checked my account and became aware that Citizens Bank reposted XXXX transactions that were already deducted on XX/XX/2020. Phone calls to XXXX branches resulted in no information. Agents did not know what was going on. No statement was made by Citizens explaining whether this was a hack, an error, a glitch? To this moment, Citizens has still yet to issue a formal statement about this nationwide error. 

I would like to know how Citizens Bank will be compensating me for this error. When I make an error, Citizens charges me {$35.00} per error. In fact, they used to reorganize transactions to make it more profitable, creating snowballing fees that were more lucrative for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management has not removed fraudulent XX/XX/20 XXXX credit inquiry from my credit report. Since it was not my debt, then I have and had no business with Credence. Also, note that as a result of my communication with Credence ( perhaps in retaliation to my complaint re their collection practices ) that I now receive 100s of spam emails weekly to my gmail account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-27
Company: Experian Information Solutions Inc.
State: NV
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Monterey Financial Services LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: Westlake Services, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Paid for extra gap insurance @ XXXX and paid for extend service warranty @ XXXX To Us Auto Sales , Inc loan was acquired by Westlake portfolio management who said they will not be honoring neither of those services and that they could not refund any payments to date or future payments on that this was on XX/XX/2023 when Us Auto Sale all of a sudden closed their doors with no written documents or warning of closures or distribution of contracts written by them it has not been easy trying to make payments to Westlake portfolio management either I have all of the contract that was signed up on and I am still being charged for that extra gap and warranty to this day and can't use any of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
After struggling for months to begin making payments on an income based repayment plan I was approved for in XX/XX/2017 and trying to make payments on, a 2 month forbearance was applied to my account without my consent. When I asked a representative why the forbearance was applied I was told that they could find no reason for the forbearance to be applied. The representative confirmed that the forbearance should not have been applied and was not agreed to by me. I'm concerned that XXXX XXXX is applying forbearances to accounts of borrowers who are struggling to make payments to continue to keep borrowers like me from beginning making payments on IBRs and to continue capitalizing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: GA
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:
Incordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 convergent account numbers Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A States I have the right to privacy. 

15 U.S.C. Section 604 A Section 2 It also states a consumer reporting agency can not funish account without my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer report containing any of the following items of information any other advice item of information other then records of crimes which antedates the report by more then 7 years. 

15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
The 3 reporting agencies are reporting late payments on my credit reports.

in accordance to the Fair Credit Reporting Act. These agencies have violated my rights as a consumer under 15 USC 1681 section 602 states I have the right ti privacy and 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-05-21
Company: LD Holdings Group, LLC
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 XX/XX/2021 my mortgage was paid in full satisfaction of the debt. I sold the home and Loan Depot was paid. I have two letters stating such. My credit report states the mortgage was in my XXXX XXXX bankruptcy ; however, as stated above, the mortgage was satisfied completely. I disputed the credit report with XXXX and XXXX. They investigated, I submitted the letters from Loan Depot stating the mortgage had been paid in full, and the result was no change in reporting that the mortgage was included in XXXX XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 19. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX BANK XXXX XXXX A Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NJ
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:
Ive been going back and forth with XXXX XXXXXXXX XXXX  XXXX, Equifax information services llc XXXX and XXXX XXXX XXXX XXXX since XXXX or XXXX of this year upon looking at my credit report, I tried to explain to them that I am the victim of identity theft and I disputed them two, three maybe four times a week for them to keep coming back telling me the information was verified, XXXX XXXX I sent a copy of my license, informing them that I do not live at that place but to no avail they still sent me the same information back as if it was a robot repeating the process, ive sent you the fair laws in a complaints on all three already im tired of fighting alone I need for all three credit bureaus who violated my privacy to remove all inaccurate information off my credit report Im trying to move and they have my credit report looking like shredded wheat and I dont have that much credit, its not fair to me to keep looking at my credit report seeing closed accounts that were paid for and one account that wasnt mine. Im asking for your help to get those inaccurate reports off of my credit report so I can move on.all three credits bureaus keep sending information to put and keep me in debt but wont help with the real issues..

Company response to consumer: Closed with explanation