BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: Minto Financial dba Minto Money
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
The loan was taken on XX/XX/2022 in the amount of {$2600.00} with an interest rate of 509.46 %. I made a total of 7 bi-weekly payments of {$490.00}, a total of {$3400.00}. Due to financial harship, I am no longer able to make these outrageous payments. I had them remove the ACH withdrawal from the account, but they claim that they will collect the debt aggressively unless the full amount, over {$11000.00} dollars is paid immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently found two collection accounts and a auto loan that i am not familiar with and was open without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like for these accounts to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions 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:
I, XXXX XXXX, is submitting this dispute on my own behalf and no third party is involved. NOTE : THIS IS NOT A REQUEST FOR AN INVESTIGATION OR REINVESTIGATION. It is my belief that Experian violated me under the Fair Credit Reporting Act. I believe Experian did not actually perform an investigation of my disputes. Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding a description of the procedure used to determine the accuracy and completeness of information all every account, inquiry and address Experian alleged they investigated for investigation # XXXX that you made available on your website XX/XX/2022. I have attached a copy of the investigation results in this complaint. Pursuant to 15 USC 1681i ( a ) ( 7 ), Experian MUST provide me with the descriptions of the investigation of every account you alleged you have investigated within 15 days of my request. AGAIN, this complaint is NOT a request for an investigation or reinvestigation. I ONLY need the description of the procedure used by Experian to determine the accuracy and completeness of the account, inquiries and address in investigation # 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 2022-11-17
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
The debt collector ( Selip & Stylianou , LLP ) collected exempt funds from my checking account. Ive tried to contact the collector about the matter, but the collector has failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: MO
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:
Hello I sent a letter off to you guys on XX/XX/XXXX, To remove personal information that I dont want on my credit report.According to XXXX XXXX XXXXNo financial institutions are to SHARE!!, my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2023-02-19
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
I have sent 2 letters to XXXX in the past couple months asking them to validate this debt. XXXX still haven't validated any of my requests for proof of the wet signature and original contract that belongs to this debt. This is in complete violation and want this removed from my credit.

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 2022-11-17
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is a secured credit card with my investment of {$1000.00} I have had this account since XXXX. Had a fraudelent charge disputed XXXX  months ago that still has not been resolved. The card was locked for XXXX months because that department line is constantly busy. 
I have a XXXX $ plus available credit but the card is always declined. Now the general information number is not even active. 

Something is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XXXX XXXX of XXXX I accepted an offer from my Chase Amazon card to pay 0 % interest on balance transfers until XX/XX/XXXX. After this, the company removed my grace period for new charges and began charging me interest from the date of purchase even if I pay the balance in full every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a XXXX Account opened in XXXX and its been paid off for years. It doesn't even show up on my credit report. Midland Creditors sued me without me knowing did paperwork at a XXXX Superior court house in california. I got an alert that may bank account was levied. I went to the bank because i did not  know what was happening my saving was wiped out, no money. The bank told me my account was levied by Midland Creditors. They gave me a case # so i went to the court house, I then went to the court house to inquire on what happening because i was so nervous because they took my money and i have that money for my bills. I request all paperwork pertaining to my case #. I have never ever received any of the documents that were being used in court. So apparently i missed a court date for me to appear so the judgement went against me and they were able to levy my acct. I contacted Midland and the account number they gave is not my acct number because i have my old credit reports from XXXX and my XXXX   acct does not match the acct number they claim belongs to me. The original amount they stated is {$7200.00} but they applied interest and know they want {$15000.00}. Please see attached document from Midland. I got a lawyer and they basically told him that I owe with no proof of the loan only my name and ss #. They have no proof nor does my acct number match there's. My husband also received a letter from the XXXX County Sheriffs Dept that his account was subject to a levy as well.the paperwork attached summary is all the documents that were being filed with the court behind my back. I knew nothing about this. In XXXX i purchased my first home, then in XXXX my second home never has this beneficial acct number been attached to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 i received an initial notice from CCS indicating I had an outstanding XXXX debt. In my response, I requested validation of this debt. Prior to receiving the requested validation, I received a text message from CCS demanding payment. First, I never consented to receiving SMS messages from this collection company. Second, CCS violated FDCPA by requesting payment during the validation period. I finally received validation of this debt on XX/XX/2022 ( notice dated XX/XX/2022 ). On XX/XX/2022 i received an alert stating the debt had been reported to my credit bureau reporting. On today, XX/XX/2022, I contacted CCS to ask why didn't I receive validation within 30 days of requesting and why was there a demand for payment sent via text message without my consent. The agent I spoke with, XXXX, refused to respond to my questions and wanted to transfer me to a supervisor. I advised the agent I was not at the point of wanting to speak with a supervisor but wanted him to address my concerns. This company has clearly violated section XXXX XXXX XXXX Validation of debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: MoneyLion Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed chapter XXXX bankruptcy on XX/XX/2020. Money Lion has been included in the bankruptcy and they were aware 2 days after filing ( even though it is a no asset case ), and this can be proved because they sent in a claim. They have since refused to report the account as included in the bankruptcy and continue to report late payments AFTER the filing date. They also still tried to collect payments AFTER the filing. I sent an email to them and they are beating around the bush, refusing to update the report and stating that they will keep the payment history as is. It should NOT continue to accrue late payments while in an active bankruptcy and definitely shouldn't be reported as open at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and saw I had 3 late payments on 3 different accounts on all 3 of my credit reports. Upon checking with the creditors XXXX XXXX  XXXX, and XXXX, I saw that I did make the payments. Once I downloaded the 3 statements proving I made the payments and it was within the 30-day time frame, I submitted the dispute and the statements showing the payment. I submitted it on XXXX and it was " completed '' on XXXX. then I called and when the agents I spoke to weren't able to give me any information about the investigation they said they could resubmit and I could upload the documents again. I submitted it on XXXX and then again it was " completed '' on XXXX and the late payments were not removed. not only were they not removed but I again could not get any new information about how it was completed so fast.

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 2022-11-17
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Due to unforeseen circumstances, I was forced to pay my XX/XX/XXXX Care Credit bill late. I am currently under a 12 month no interest promotion with my Care Credit account. It was for a XXXX XXXX  that I had in XXXX of XXXX. My promotion ends in XXXX of XXXX. Care Credit charge me an interest fee on top of the late charge for a payment that was posted late. This charge is not only excessive but reveals an under tone of predatory lending. In fact this transaction is the very definition of predatory lending. ( Predatory lending is any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity ). 

When called to have the interest fee reversed I was told that the interest fee will stand as it listed in my terms and conditions. And I agreed to it in my application. When asked to have all that I agree to in my profile sent to me, I was told it would take 30 days for Terms and Conditions, and 45 days for my application to be US mailed to me. When asked if I may have these things emailed to me or pointed to where I can find on the website. The representative pretended to have a different conversation with me, then disconnected the call. Only showing the lack of transparency to its consumer. Another red flag of predatory lending practices. 

In conclusion it is my belief that this company is attempting to exploit the fact that I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These sort of practices are not only harmful XXXX XXXX XXXX consumers but also arent conducive to creating a healthy credit profile for XXXX XXXX XXXX. Programs like this are designed to keep XXXX XXXX XXXX in debt longer than needed by lumping excessive fees and interest charges.

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 2020-02-20
Company: Smith, Rouchon & Associates, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2017 {$450.00} medical debt for medical procedure performed in office by XXXX XXXX XXXX. This was paid by XXXX. I was never offered a payment plan for this debt, before it was sent to a collection agency. But, I am covered under the XXXX ( XXXX XXXX XXXX program ) This benefit protects me, by law from any medical cost such as : deductibles, co-payments, or any unpaid medical services not covered by insurance because of my low income. This debt is past statute of limitation and yet a debt collector is harassing me for an unpaid bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection corporation is doing business as EOS CCA. When communicating with me, they did not indicate that they did not have a licenses in the State of Florida to conduct business. At this time, I desire to sue them, in the State of Florida for false representation of their license. As such, they have illegally obtained my Social Security Number under the State of Florida. On top of that, they have illegally obtained my social security number under Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: OH
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/2022 ) I sent a letter regarding inaccurate accounts, XXXX  and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Garrison Investment Group
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I replied to a mailing from XXXX advertising a low-cost government program to replace windows. The representative told me that the price for the windows would be {$17000.00} and would be financed through a bank, but then said that the bank would not finance such a large amount and that he was able to get a better rate through another company. The company stated that the interest rate was 11.9 %. The rate was high but I felt I had no other option since the windows were already installed. 

I did not receive any statements from the company yet every month they automatically took money from my bank account. Today, I searched for the company online to see how I could see the statements. After calling them to get set up for access to the online statements, I received the shock of my life. The interests on the second statement was nearly {$250.00}, bringing the total to over {$20000.00}. I called back to the company to question why the interest charged was so much, I was informed that the company charges {$6.00} per day for interest, that is not the 11.9 % interest rate that I was informed in the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I'm a victim of identity fraud dating back from 2015 I had no clue a capital one card was taken out in my name. When I found out I called Captial one and has disputed this account many many times and they won't remove it. I've added fraud alerts and identity theft alerts and this account is still reporting along with XXXX and XXXX XXXX XXXX. I've never taken out any of these accounts. Please help me rectify this it has harmed mine and kids lives for years I'm tired of being denied and turned down for something I didn't do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was the victim of identity theft in early 2023. I flagged this very quickly with all of the credit reporting services. I signed up for intensive monitoring with XXXX in early XXXX. On XX/XX/2023, I got an email from XXXX which said that XXXX had reported a new account. After checking with XXXX, I found that it was an Apple Card. I called and was transferred to XXXX who looked up the account using my SSN. I had been added as an additional user to another card ; the address used was in XXXX and didn't match any of mine in the file. They did not review the credit report ( and thus didn't see the fraud alert ) as they don't do that when someone is added as an additional user. After consulting his supervisor, he was told to treat it as card fraud and block the account. I put in an dispute with XXXX. On XX/XX/2023, this showed up on the XXXX credit report as well, and I filed a dispute with XXXX. On XX/XX/2023, XXXX said that the account was valid. On XX/XX/2023, I called Apple Card and spoke to XXXX and explained the past situation. She confirmed that hte account she pulled up ended in XXXX ( which was what was shown on the XXXX report. She tried to open a credit bureau dispute from her side but got an error when she tried and sent me to a supervisor. XXXX checked and said that the investigation was completed last month and it would correct itself the next week when they report new data to the credit bureaus. She said that they report on the XXXX week of the month. She said that it had been escalated and I should call in XXXX if the information hadn't been removed from the report. 
On XX/XX/XXXX, I checked the XXXX report and it showed as closed but with late payments. There was no comment to indicate that it was not my responsibility ( as they had stated on my initial call in XXXX ). On XX/XX/XXXX, I pulled the XXXX report and saw the information was still there. On XX/XX/XXXX, I called and spoke to XXXX and explained the situation. She sent me to a supervisor XXXX XXXX XXXX who said that he would transfer the case to the fraud department as a complaint but it would be resolved in 30 days. I explained that this was their last shot to fix it - after that, I was going to CFPB. 
The credit report I pulled today ( XX/XX/XXXX ) shows that the incorrect information is still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
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 XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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 1666B : 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