BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THE XXXX COMPANIES is in violation of The Fair Debt Collection Practices Act ( FDCPA ) and The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. THE XXXX COMPANIES falsely assert that a previous complaint was a duplicated matter. When in fact, this complaint is a dispute for credit reporting, credit repair services, or other personal consumer reports and a problem with a credit reporting company 's investigation into an existing problem. As addressed thisis a direct dispute against the newly updated information appearing on my credit report for Equifax. I am demanding a human investigation into an incorrect, inaccurate, and unauthorized account appearing on my credit report as a Collection and the only Collection I have appearing on my credit report being reported by Equifax as a Collection account with the creditor as THE XXXX COMPANIES and XXXX IN as the original creditor. Never did I initiate any contractual agreement with XXXX IN for insurance. I have contacted XXXX IN several times and informed them that I never had a contract with them. XXXX IN has failed to provide me with any such contract or records that I opened any insurance account with them! I am a XXXX XXXX XXXX XXXX and all my Insurance is with only XXXX XXXX by choice and has been for well over 30 years! My entire family is with XXXX XXXX and NOT XXXX IN. I never purchased insurance from XXXX IN. I have consistently informed THE XXXX COMPANIES that I do not owe any debt to XXXX IN because I never opened an account for any insurance services with XXXX IN! Further, THE XXXX COMPANIES failed to validate this alleged debt owed through a contractual agreement! They refuse to show me any such contract exists. As I have repeatedly informed earlier, I have insurance with only XXXX XXXX as a XXXX XXXX XXXX Veteran! This is a final demand to Equifax to investigate this matter and immediately remove this incorrect, inaccurate, and unauthorized account from my credit report. I demand Equifax provide me with a contract agreement containing my full signature for an account with XXXX IN for THE XXXX COMPANIES to be able to collect on a debt against me. Equifax refuses to show how this account was validated. Pursuant to violations of 15 U.S.C. 1681g, Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 6 ), 15 U.S.C. 1692g, and FDCPA Section 809 ( a ) I am demanding this Collection be removed from my credit report. I am well prepared to work with Veteran Affairs to seek legal assistance because this Collection caused me to be denied a loan and take legal action against all parties known as Equifax, THE XXXX  COMPANIES, and XXXX IN! This is illegal and unjust!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: CIG FINANCIAL LLC
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: Account information incorrect

Complaint:
XXXX XXXX  continues to play its ridiculous game of cat and mouse and it continues to destroy my Credit along long way they have been nothing but uncooperative when it came to me finally understanding why it is that the gap insurance I paid extra money for when buying my car no longer covers the gap between the sale price of my car the insurance price of my car and was owed to the finance company. Gap insurance is purchased to cover that and they had no problem collecting my fees and splitting them up amongst each other while in the long run company insurance fraud. CIG financial has no right to continue to collect a debt thats not owed its fraud that they committed and I need to see PFB to look into the matter so they know that their fiduciary responsibility is to deal with customers on a fair and equitable level.

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 2023-06-02
Company: Waypoint Resource Group, LLC
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:
I am trying to buy a home and these things are reporting on my credit and I have had identity theft done to me already. And these things are hindering my progress and are certainly a defamation of my character. They need to removed 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 2019-06-21
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Noticed collection account on my credit report for XXXX. 
This is not my account. 
Attempted to resolve with company, but the issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Nelnet, 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: Information belongs to someone else

Complaint:
I submitted all the documentation for the fraud activity of these student loans. These were opened without my knowledge and after investigation, was taken off my XXXX and now is showing up on my XXXX as late payments and is affecting my credit negatively by 112 points, impacting my payment history. I am submitting a photo reflecting my XXXX compared to my XXXX, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the fair credit reporting act XXXX  accounts XXXX, XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

XXXX5 U.S.C 1681 section 602 A : states I have the right to privacy.

15 U.S.C 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions or consent.

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 2023-06-02
Company: Ability Recovery Services, LLC
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:
I am trying to buy a home and these things are reporting on my credit and I have had identity theft done to me already. And these things are hindering my progress and are certainly a defamation of my character. They need to removed 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 2021-04-18
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a Sams XXXX financed by Synvhrony Bank for well over 10 years now. My statement due XX/XX/2021 includes a {$94.00} late fee for a total minimum payment of {$230.00}. Through research, it was determined that Synchrony received the payment by the due date of XX/XX/2021 but failed to process the payment before the due date. This was confirmed by Georgia, a customer service representative on the morning of XX/XX/2021. A new minimum amount due of {$100.00} was agreed upon at that time and was immediately paid online on XX/XX/2021. Once again, Synchrony failed to process a payment ( this time paid online ) until AFTER the due date and my current bill XXXX due XX/XX/2021 ) shows ANOTHER late fee of {$28.00}. They are clearly trying to scam people into giving them more free money as if the bailouts of XXXX werent enough.

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 2023-03-07
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-10
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/XX/2021, THIS DEBT APPEARED ON MY CREDIT REPORT FROM A PLACE I RENTED IN XXXX 2021, I HAD PAID FIRST MONTH RENT AND DEPOSIT AND WAS EVICTED A FEW WEEKS LATER, I RECIEVED A LETTER STATING AS LONG AS I MOVED OUT BY DATE GIVEN AND RETURNED APARTMENT KEYS, I WOULD NOT BE CHARGED, ALMOST A YEAR LATER I RECEIVED A COLLECTION ON MY CREDIT REPORT STATING I OWED XXXX XXXX AND I HAVE NUMEROUS OF TIMES DISPUTED THIS I OWE THEM NOTHING AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There a few companies involved in this issue. I've never felt so frustrated in my life with any company and I truly mean it. My friends and I decided we wanted to go to XXXX for a mini vacation. My friend found a good deal on XXXX. I was booking for my friend and I and the flight we chose was XXXX, unfortunately. When I went to finalize my trip, it did not go through because I supposedly did not have enough funds in my account. I couldn't understand why. I did have enough money on my account. I then check my BOA account and realize XXXX and XXXX were holding funds before I was able to even book, hence why it said I didn't have enough money. At this point I have tried to book about 5 times over the past 2 weeks and it has failed. That was the first issue. After countless hours on the phone trying to resolved this issue on the phone, which they couldn't help with because I didn't have a confirmation number or ticket number. I decided to give up on booking. As of XX/XX/2018, XXXX is STILL holding {$390.00}. They are holding funds for something that I don't have. I never booked, I don't have any record from their end, all I have is BOA holding funds from a merchant who is XXXX. I've called and even have cried on the phone because I'm so frustrated. This whole process seems super illegal to hold someone's funds without authorization. I have XXXX yr old daughter who needs groceries and I need to pay my bills and they have not been helpful AT ALL. NOT Bank of America, NOT XXXX and specially not XXXX. I feel so helpless and upset that no one cares. XXXX does not want to release my money and says that waiting is part of the process that is totally unacceptable. BOA is not willing to help either even though they are my bank and know the situation. No ones has gone over and beyond to help me. XXXX also has a " sketchy '' partnership with another agency because XXXX mentioned they tried calling and the automated system wasn't even English, it was a foreign company. PLEASE HELP ME! Obviously money is these companies only concern not their clients. Please help me teach them a lesson.

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 2019-08-06
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have 2 student loans with Great Lakes which are both on an Income Based Repayment Plan. I have made every payment on these loans and have not missed a payment since my payment plans began. I pay {$280.00} per month on these loans. On my large loan my balance in XX/XX/XXXX was {$56000.00}. In XX/XX/XXXX my balance is {$56000.00}. After making payments totaling {$3300.00} for a full year my balance has decreased by a total of {$80.00}!!! Offering this type of plan with such a high interest rate is a deceptive and unfair practice and should be a CRIME! My student loans have more than doubled due to interest alone since I graduated ( while making payments ) and practices like this by Great Lakes and/or the Federal Government are making it nearly impossible to payback student loans. These loans were originated by the federal government. The federal government should not be in business of profiting on student loans and should not allow businesses such as Great Lakes to profit by offering such a lopsided payment plan. These loans should be able to be paid back with minimal interest at 1-2 %. Charging 6.8 % interest on this loan is just flat out wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-02
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, I made a deferred interest purchase with XXXX XXXX XXXX XXXX ( Synchrony Bank ). The deferred interest period ends on XX/XX/XXXX. On XX/XX/XXXX, I made an online payment to Synchrony Bank on that account for {$130.00}. On XX/XX/XXXX, I made a new purchase using that same store charge of {$1500.00} at XXXX 's, which was a regular charge ( interest applying ). There were advantages for using the store credit card for the new purchase, which were explained to me by the store associate. Those advantages were a discount for using the store charge. I could have used a regular XXXX  for the purchase, but I would not get the same discount benefit. Not wanting to pay interest on the newest purchase I made a payment of {$1500.00} on that account on XX/XX/XXXX ( in the same billing period ), with the understanding that the payment would first be applied to the interest accruing purchase, leaving the deferred interest purchase intact. I started to notice I was being charged interest on the account and I called them. At first, they agreed to resolve the matter reapplying the payments made in XX/XX/XXXX to the interest-bearing balance. Today I spoke to a representative when I saw the new balance had interest applied as well at XXXX and asked what was happening with this issue. To date, I have been assessed {$94.00} in interest payments and have no recourse with them as they are denying me my request.

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 2021-08-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written this collection company three time about the debt they claim I owe them. I asked them to send me proof of validation that shows that the debt is mine. Instead, they send me paper statements with someone else name on it as proof that the debt belong to me. their company name wasn't even on none of the statement they sent. I have reached out to them three time already to resolve this problem, they have refused to comply to the FCRA rules. before I take this case any further, I decide to summit a complaint firs before I contact them for a forth time. if they still refused to delete this account from my report that leave me no choice but to press charge against their company for the damage they have cause to 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 explanation
Consumer complaint received 2019-08-23
Company: Franklin Credit Management Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent the following letter to Franklin Credit Management Corporation after a series of very unsatisfactory telephone calls from me to them trying to sort out the issues described below : To whom it may concern : I have been in contact with your office by phone XXXX XXXX ) multiple times over the past month in an attempt to resolve an issue of outstanding payment that you have identified as a " deferred interest payment, '' but have not been successful in receiving clarification of the several different narratives that have been presented to me regarding that issue. 

You will note that the statement dated XX/XX/XXXX shows a {$0.00} balance on the loan referenced above, after having received a payment of {$1100.00} on or around XX/XX/XXXX, representing the final balance figure given for the previous month. You will also note a long history of timely payments - as well as a note on this statement indicating that " if payment is received after XX/XX/XXXX, {$0.00} late fee will be charged. '' You will also note that on the statement dated XX/XX/XXXX, there is a description of " Transaction Activity '' that shows that there has been a {$48.00} " Late Charge Assess ( because full payment not received by XX/XX/XXXX ) '' even though the balance of principal and interest is still shown to be {$0.00}. 

Additionally I have attached a copy of a letter dated XX/XX/XXXX indicating that there is a payment due of {$1900.00} plus late charges, for a total amount due of {$2000.00}. When I have inquired by phone about this payment and asked for a copy of the terms to which it refers, I have only been told that the payoff amount is {$14000.00}. 

I think any reasonable and rational person would determine that all of these things can not at the same time be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, 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:
I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. Below are the details of the discrepancies I have identified : I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. Below are the details of the discrepancies I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my identity theft report to authenticate my claim. I am requesting that you immediately close the fraudulent accounts listed above. I understand the seriousness of identity theft and its impact on both the victim and the creditor. I expect your full cooperation in resolving this matter promptly and professionally. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my identity theft report to authenticate my claim. I am requesting that you immediately close the fraudulent accounts listed above. I understand the seriousness of identity theft and its impact on both the victim and the creditor. I expect your full cooperation in resolving this matter promptly and professionally.

Company response to consumer: Closed with non-monetary relief