BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit 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:
Someone went into my Paypal account and asked for XXXX cash I had a credit limit unused of over {$15000.00} instead of taking the fraud from the crdit card Paypal took it from my personal checking account we caught is called Paypal and place a dispute blocked the person requesting the money and called XXXX XXXX XXXX and stopped payment on it so the fraud wouldn't go through Paypal is still trying to pay the fraud and now have a XXXX again the paypal account asking me to give them XXXX to clear it but we filed fruad with them and I am having trouble fixing this. I have asked them for over 2 years to fix the wallet making the paypal credit card primary and ot use my checking accoung they said many times they would fix it but never did and now this huge problem for a XXXX amputee man I am so frustrated over this XXXX is a lot of money and I have been trying t o resolve this for a few days now and it is getting worse not better. I need this fixed and cleared up before more troublem please.

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 2016-03-30
Company: First Recovery Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep receiving calls from a company that claims they are in XXXX called First Recovery. They have called me repeatedly and I have spoken to someone twice. The first time the person hung up on me after I pushed back on giving him the last XXXX of my social security number " for verification. '' The calls always start with a recorded voice and usually hang up before I get a live person. Today I received a call and told " XXXX XXXX '' that I wanted written verification and to stop calling until I made contact after receiving verification from them. I am an attorney and told her that, and that I have looked up the FCRA and also info on their company as a scam. She told me that it would look really bad if I did n't pay my bills since I 'm a lawyer and that I really should take care of it now. I send send me verification and do n't call again. She said she ca n't do that. 

I received a call a few minutes later from XXXX, and she put me in contact with a manager of some sort. He eventually gave me information about me that was correct ( former address, former employer ), although he had my name as " XXXX '' and I always use " XXXX '' for anything official. He told me I owed {$300.00} from a payday loan I took out in 2012 from XXXX XXXX XXXX, plus {$130.00} in late fees. I told him I did n't know what he was talking about and he asked if I planned to pay them restitution. I said no. We argued back and forth and I repeatedly told him that I did n't claim this debt as mine. I asked for proof and he said if I 'm not going to pay, that we 're done and hung up. 

The number the recording gives to call back is XXXX and an account number ( electronic voice, not live person ). They have called from XXXX, XXXX, XXXX, XXXX, and started on XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-04
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I tried to place an order on a website using PayPal and had set up automatic payment before this. When I tried to submit the payment with PayPal, my preferred method of payment ( credit card ) was declined. As a result PayPal automatically charged the payment to my bank 's checking account without my consent. 

I did not select anything that would indicate to PayPal that I'd like to charge this amount to my bank account. I did not click anything that would set my checking account as the payment method for this transaction or as the preferred method to pay. As a result I was charged the PayPal currency conversion fee that is higher than what my credit card company would charge. PayPal made money by charging this payment to my checking account instead of my credit card. 

I had other credit cards on my PayPal account. PayPal did not attempt to charge them but directly to my checking 's account after my preferred payment method ( credit card ) was declined. 

I contacted PayPal about this and they refused to fix it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Synchrony Bank A XXXX XXXX When I entered a 2-year consumer lending loan ( {$4300.00} ) deal with Synchrony Bank on XX/XX/XXXX, I wasnt aware that the loan wasnt designed to be paid off monthly in two years ( similar to XXXX XXXX purchase ). I received a very short email from Synchrony Bank monthly for two years notifying me that the payment was paid by automatic withdraw from my other bank account. To my surprise, the loan amount increased from {$1900.00} in XX/XX/XXXX to {$4200.00} in XX/XX/XXXX. I am horrified to learn that Synchrony Bank enticed me to a loan with 29.99 % annual deferred interest if there was any unpaid amount at the end of two-year deal. 

If Synchrony Bank would send me an apparent notification stating that the loan would incur an interest charge of {$2400.00} in XXXX, XXXX, I would have chosen to pay off the loan. Instead, Synchrony Bank sent me a short email just like in the past two year notifying me the automatic withdraw. I wouldnt know I had to pay almost 60 % more of my loan amount unless I spent time to open the statement on the banks website. As a XXXX trying to manage my life, I am too busy to check the statement in detail. Without any grace period, Synchrony Bank utilizes this type of business tactics to prey on citizens like me with astronomical 29.99 % annual deferred interest. I urge the governing authority to investigate how many citizens are abused by the financial XXXX like Synchrony Bank. I called the bank right away, trying to find a resolution to pay off the loan with a reasonable interest rate, but the three representatives ( XXXX, XXXX XXXX, XXXX XXXX ) that I spoke to unsympathetically declined my request. 

There are many illegal financial scams in the States. However, how could the U.S. government allow an institution like Synchrony Bank to run a legal financial scam with such a high interest rate? Please STOP Synchrony Banks financial abuse to the law-abiding citizens who worked so hard to support themselves and their family.

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 2023-08-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD INQUIRIES 4inquiries These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX ALL COMPANIES ARE IN VIOLATION OF LAW!!!! " FAIR CARES ACT ''!! 


PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' RESPONSE DISPUTE!!!!!!!!! 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
RE : XXXX & TransUnion Reporting To Whom it May Concern : I have filed 4 credit disputes with the above referenced agencies regarding erroneous information. All I have received is a statement stating they have checked and confirmed the existence of and correctness of stated report. 
They have failed to prove the listing reporting debt holder is the owner of debt. 
They have failed to show me the debt is mine and that the debt exists. 
Lastly, they do not accurately include my statements of the disputed information. 
These actions have caused me significant harm and cost during the past 18 months. My attorney is preparing legal action against all parties, but recommended that I contact the appropriate government authorities prior to my legal actions against the parties. 
I would greatly appreciate substantial assistance in this important matter. I know I am not the only person who has suffered at the hands of improper and / or illegal reporting of alleged debts. 
I have over {$30000.00} in outstanding debt and more than {$150000.00} in prior debt properly paid, however, their system is incorrectly stating I have a {$19.00} balance owning to XXXX and another {$1000.00} to some XXXX/XXXX company. XXXX is also showing a debt to some debt collector agency neither XXXX nor this XXXX are able to establish that I am the debtor, nor that either are the owners of this alleged debt. This is unacceptable. 
Please Help. Thanks Very Much. 
Sincerely, 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 2023-11-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I wanted to cancel my membership but was unable to find the option online and had to call a phone number. I had to be charged to even be allowed to cancel, to which the response was the cancellation is non-refundable. It is not fair to not have easy access online to cancel, to have a number that I must call despite me working lots of hours, and then being told the charge is non-refundable.

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 2023-08-11
Company: EQUIFAX, INC.
State: MD
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting that I was 30 days late in XX/XX/2017 and I was not late what so ever. I 've dealt directly with Experian on this and nothing has happened yet. I had a vehicle paid off, and the creditor was XXXX. The payment was sent and was processed before the XX/XX/XXXX deadline. The lender has stated that they 've fixed the problem on its end and that Experian is the only one that can update it. 

This has been very frustrating bc I also have some fraudulent charges on my report that experience yet to address or even respond with. I have tracking numbers and dates they received my documents if I need to provide this. 

I 'm trying to buy a house for me, and my girl and this issue is killing my score. I have paid everything on time, and I go to pay off than the late hits. I need experience to processes my documents and remove this so I can move us before the lease is up by XX/XX/XXXX. 

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 non-monetary relief
Consumer complaint received 2018-12-04
Company: United PanAm Financial Corp.
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:
I checked my credit report due to the fact that I was trying to get a vehicle loan. And then there is an inquiry on there I do not recognize neither does the dealership that I bought from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. I also noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. Also, the student loans are in mandatory deferment so no way to incur a late. As well as how can I get a 90 day late when you never been 30 or 60 days late You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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: 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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My husband and I decided to try apply for a mortgage. We had our credit history and we saw that a bill went to collection. 
I had only one bill ever go to collection, and I had to call the collection company and request for a letter of resolution. 
I sent this over to the mortgage facilitator but they insisted that I had another bill with another collection company, and told me to call " XXXX '' on XXXX. He works with Receivables Management Partners. 
On XX/XX/XXXX, I called XXXX requesting to know the origin of the bill, and why I had never received any written notice ever before. He insisted I did but I ignored the notice. I then asked if the bill information and statement be sent to me in writing again because I never received any information before, and he expressly said NO. He insisted the bill was from " XXXX XXXX XXXX '' On both occasion XXXX attempted to persuade us to make payments over the phone and expressly REFUSED to send any more information. 
On XX/XX/XXXX, I called XXXX XXXX XXXX, and they said I had settled all the bill I owe them. They are willing to send me a XXXX statement balance. 
My husband called XXXX again, He insist the bill " Might '' be from the health insurance company I used for my XXXX. This health insurance company has since gone out of business. He also will not provide a written statement upon my husband 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Sensible Auto Lending, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a XXXX XXXX XXXX  through sensible auto lending and was paying weekly until the last payment. I was not notified that the last payment cant be processed by the card they had on file they require a different form for the last payment. In XX/XX/XXXX I was denied a loan for a car stating that I had defaulted on my loan and the car was repossed. The car was actually totaled in XXXX and I continued paying. 
When I reached out to the company they kept giving me excuses of why they couldnt allow me to speak to a supervisor. After over a year of no one calling me back or sending me a copy of this last bill I disputed the false claims of the payments being late and that it was not repossed and also now that instead of providing me the information I requested to pay of the debt they told me to continue disputing it with XXXX and wait until it falls off my credit report. They refused to put the person that confirmed the information has been correct on the phone and when a customer service representative finally got on the phone after 3 hours today she after 7 attempts put a supervisor on the phone that disputed the information I was providing. 
I have been trying to resolve this since XXXX of XXXX and at every attempt I was refused the corporate office number or to speak to the person confirming the accuracy of the information on XXXX. You would think after over a year or calling I wouldnt be spoken to as if I was bothering the supervisor when Ive waited over a year to speak to one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: CO
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10
Company: Diversified Acceptance Corporation
State: MI
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 was recently made aware of an account that was placed in collections. This was my first time hearing of this debt and there was no validation made. I requested documents proof and that the item be deleted from my record whilst being investigated. On the document that was submitted, it indicates that I had primary insurance and so I am not sure why I am being billed by the hospital. Much more, I do n't recall being at XXXX XXXX since I have not lived in XXXX XXXX in close to a decade. Pursuant to the debt collecting act, validation of the debt should have been carried out prior to listing this account.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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