BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-20
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate I have a fraud issue with synchrony Bank I had to open this is not a duplicate complaint. Synchrony Bank alleges that they cant speak to me in regards to my sams club credit line as I am a guest user. False! I am the original credit card opener my wife XXXX was not even there at the time. I even have the paper from sams club application I added my wife to receive a card thats it. XXXX never signed her name excepting them running her credit. This company is fraudulent when I tried to call the number to discuss with them its a dead line. They discriminated against me when lowering my limit from XXXXnto XXXX dollars. Because of my ethnicity how else would they lower it?

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 2021-05-05
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Back in XX/XX/2020, I called Citi to downgrade my account. But appearantly they failed to do so. And after the downgrade call, I withdrew the money I need and left the acount as is since the remaining balance will meet the requirement to waive the monthly fee. But due to the failure of downgrade, my checking account keeps been charged monthly service fee since XXXX 2020 till today. I have contacted the bank online and via phone to request the refund of those service fees. {$25.00} per month XXXX And they are not willing to refund all of the fees they charged.

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 2023-06-14
Company: SOUTHSTATE CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Im filing this complaint against south state bank, I tried to open a checking account in a branch in XXXX ga, I met by a financial advisor and the branch manager, I was made to feel not welcomed and was lied to by the financial adviser and branch manager, I explained I was a victim of identity and I should absolute proof of my situation, I tried to open an account online but I was told by the branch manager, there was no indication you couldnt open a account at the branch thats the first lie and then went into the branch, felt get uncomfortable I tried to explain what had happened to me but they didnt care then the financial adviser ran my information knowing I should then proof of my identity theft, the second comes in from the fact that they ran my information through XXXX, I sent an identity theft report to XXXX to remove inquiries because they were fraudulent and accounts there were no accounts, but I was treated with disrespect and made to feel just that bad and was lie to by both the financial advisor and the branch manager, I am a XXXX and even showed them my drivers license to prove and still was treated badly and nobody wanted to help, but the financial advisor said XXXX a decision had to come from the branch manager to open and account, both lied several times over this is the worst possible experience I have ever encountered, I even ask about second chance checking, was lied to about that, can someone please contact me and help me, I was coming from XXXX XXXX after they caused my identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, ( Plus Four Inc ) attempted to fraudulently collect a debt of {$63.00} that was illegally sold by actual creditor ( XXXX XXXX XXXX ). Debt was already paid to XXXX XXXX XXXX by XXXX XXXX XXXX XXXX. Not only did they attempt to collect, they caused defamation of character by reporting false signatures and information to XXXX, XXXX, and. XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorily fraudulent misconduct ; revoke my signature for all unauthorized usage.

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 2023-08-30
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I purchased heating and air conditioning equipment, financed by Synchrony Bank. I agreed to make monthly payments for 24 months, interest free provided the promotional balance was paid prior to the expiration date. The promotional amount I borrowed was {$6300.00} and was paid in full prior to the expiration date, XXXX or XX/XX/XXXX. However, a balance of {$730.00} remained that I did not recognize. The discrepancy is a Card Security fee that Synchrony has charged me, and that Synchrony claims I purchased by clicking on an on online offer. Until XXXX of XXXX I was unaware of a Card Security '' fee associated with my Synchrony account. I do not recall Card Security being properly disclosed, nor do I remember purchasing Card Security. I have been told a welcome package was emailed at the time of purchase with the full terms and conditions of the Card Security Program. I can find no such email. I have not paid these Card Security fees Synchrony has charged me while trying to resolve this and Synchrony continues to add interest. Currently my balance is about {$6000.00} all of which is interest levied on the original unpaid card security fee of {$730.00} of XX/XX/XXXX. 

I have asked Synchrony repeatedly to produce the online form that indicates I purchased Card Security, with no success. Additionally, I question the amount Sychrony claims that I owe, {$6000.00}, and request an explanation of how Synchrony arrived at this number.

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 2022-12-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING received a REQUEST for debt validation signed. They failed to produce this documentation signed. Therefore the alleged account is now settled and closed. Concurrently they never responded with a debt validation letter with a signature or a true bill of indictment for the alleged bill. This account has been deemed usurious by Florida law below 687.02Usurious contracts defined. ( XXXX ) All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of XXXX percent per annum simple interest are hereby declared usurious. However, if such loan, advance of money, line of credit, forbearance to enforce the collection of a debt, or obligation exceeds {$500000.00} in amount or value, then no contract to pay interest thereon is usurious unless the rate of interest exceeds the rate prescribed in s. 687.071. ( 2 ) As amended by chapter 79-592, Laws of Florida, chapter 79-274, Laws of Florida, which amended subsection ( 1 ) : ( a ) Shall apply only to loans, advances of credit, or lines of credit made on or subsequent to XX/XX/1979, and to loans, advances of credit, or lines of credit made prior to that date if the lender has the legal right to require full payment or to adjust or modify the interest rate, by renewal, assumption, reaffirmation, contract, or otherwise ; and ( b ) Shall not be construed as diminishing the force and effect of any laws applying to loans, advances of credit, or lines of credit, other than to those mentioned in paragraph ( a ), completed prior to XX/XX/1979.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: MA
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:
I requested information on my credit report to be verified and they never got back to me and it's been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: EQUIFAX, INC.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had a issue. Just of couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the amount of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In previous months, I requested to update the inaccurate account which another credit reporting agency found to be inaccurate and had corrected. Due to CREDIT BUREAUS ' lack of response which I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. If Credit Bureaus wish to correct this dishonor, I will give them one more chance to correct errors and FIX my records. Please update the account, which have failed to provide proper verification and another bureau has found to be inaccurate. CREDIT BUREAUS have 30 days to FIX the account listed below in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). 
XXXX XXXX XXXX XXXX Balance {$16000.00} Please provide documentation that the account belongs on my credit report and that my rights have not been abrogated. Otherwise please CORRECTY this damaging data 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 2022-05-02
Company: FIRST GUARANTY MORTGAGE CORP
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Company has sent me several marketing notices about removing my PMI. When I contact about this, they inform me that refinancing is not beneficial due to a higher rate, but they can open a heloc for me. No where on the marketing is a heloc offer mentioned. It is deceptive for them to indicate PMI removal just so they can sell me a heloc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous account that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$760.00}

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 2021-11-22
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/XXXX my cell phone was hacked while I was attempting to return an item to XXXX XXXX. Consequently $ XXXX was fraudulently charged to my XXXX XXXX account ; all charges were reversed XXXX XXXX later. During that same time, and over the course of XXXX hour, XXXX fraudulent loan applications were approved by AffirmXXXX XXXX Bank on behalf of XXXX XXXX XXXX # XXXX : XXXX created on XX/XX/XXXX in the amount of {$200.00} Loan # XXXX : XXXX created on XX/XX/XXXX in the amount of {$200.00} Loan # XXXX : XXXX created on XX/XX/XXXX in the amount of {$200.00} Loan # XXXX : XXXX created on XX/XX/XXXX in the amount of {$200.00} These loans were set up to pay via a debit card that I have since deleted from my Affirm account. I have contacted AffirmXX/XX/XXXX times regarding these unauthorized loans. I received one correspondence from them asking me for the same information I had already provided on their website. In addition, I received XXXX 'canned ' email responses to the XXXX requests made to Affirm asking that they delete these fraudulent loans from my account. During a phone call that I made to Affirm on XX/XX/XXXX, I asked them to provide me with proof that I had applied for these XXXX loans. They were unable to provide me with anything. They only said that they had to get their money back from XXXX. What money? To make matters worse, I received an email this morning stating they now need XX/XX/XXXX days to complete an investigation and are again asking for the same information I have already provided. Also, this time Affirm has come up with an arbitrary charge of {$100.00} for XXXX XXXX. Who knows what that is because I do not? 

According to the CFPB website, Affirm has several complaints filed against them for unsavory business practices. Why have they been allowed to continue creating this type of havoc for consumers? 

Please, help me obtain resolution and finally do something about this 'scamming " company!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt just magically appeared during the pandemic. I did not receive any information nor do I have service with this provider. I have asked them to provide a contract or evidence that this account was opened by me. They have refused. They have advised the credit bureaus that its valid and they are not my service provider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello.. im very stressed about debt on my credit report that im not aware of. Never dealt with that company and never owed them a XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit company can not produce picture Id my signature or even have my actual address they have already removed a second account that was fraudulently opened in my name but refused to remove this one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent my payoff, which was received by RoundPoint Mortgage on XXXX. I called on XXXX to see where my {$270.00} overpayment refund was. I was told by " XXXX '' that I would receive it " in a few days ''. On XXXX I called backe because I still did not receive it. XXXX told me it was processed on XXXX and mailed on XXXX. I called back on XXXX because I still did not have the refund. " XXXX '' told me he didn't know anything about how to help me and did not know where my refund was or when it was processed. He said he would transfer me to " accounting '' so they could help me and he transferred me to XXXX. XXXX said he was in customer service and that there is no accounting office I could be transferred me to. He then went on to tell me that the refund was mailed on XXXX. On XXXX I called back and asked to speak to a supervisor, I spoke to who said that it was processed on the XXXX of XXXX and mailed on the XXXX. He went on to tell me that if I don't receive it by the XXXX of XXXX, a full month and a half after I made the overpayment, I could call and per their " policy '' they would cancel the original and send the new refund within ANOTHER 30 days. I called again on XX/XX/XXXX and XXXX told me the same thing. I also asked that they simply send me something to verify that they actually sent my refund and when it was sent and they told me that they would have to go to " legal '' to provide such a document and that would take about 30 days to provide. I also sent 2 emails and thus far, even though one of them was acknowledged, NO REPLY!

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 2022-05-02
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 sections 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written USC 1668 : a creditor may not treat a payment on 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 non-monetary relief
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I received my XXXX  report that they have deleted from my account the negative collection report from XXXX XXXX XXXX. They keep reporting it every month. I have disputed with all three credit companies and I can not get XXXX  and Experian to follow suit. If you look at my credit report there is no derogatory information except this company who insists on calling me, emailing me, threatening me with lawsuits, sending letters and even calling my job on a couple of occasions

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 2023-07-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: NY
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 XXXX has violated my rights. 

XXXX XXXX Last reported XXXX XXXX, 2022 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

Company response to consumer: Closed with explanation