BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-31
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today XX/XX/2021 my account that was in good standing was closed. Reached out to several employees regarding the reason and was told that even though I made all my monthly payments on time, twice in the past year I had additional payments made that were refunded. This is not in the contract that I signed. Contract attached.

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 2018-11-16
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted synchrony bank that takes care of the XXXX  XXXX card I use. 
I made my payment on XX/XX/XXXX, they then charged me a late fee for being a couple dollars off? Paid {$25.00} like I always do, I wasn't aware of the amount difference or issue on the account. 
Some how the other payment for XX/XX/XXXX didnt go thru for the monthly amount I set it up for, they ended up closing the account for me/returning that {$38.00} fee and would not work with me to take care of the other late fee ( from XXXX ). 
I won't do business with them again, I got really upset with them and refuse to be their customer with their bad business practices, I paid my XXXX bill and said I'm done with them totally. They need to be better to their customers, thats why I chose to leave.

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 2020-01-29
Company: Experian Information Solutions Inc.
State: AL
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:
There is a bankruptcy reporting on my credit report erroneously.

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 2021-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent in a dispute to the credit bureaus about this debt collection companies reporting inaccurate information on my credit report and asked for verification. The company then sent me information about trying to collect a debt from me but they didn't provide the proper validation to prove that i owe a debt to the company Even though they provide me a statement according to law that 15 usc 1692 g that still doesn't suffice that the debt was mine only an assumption also they are in violation of 15 Usc 1692g because they never sent this information within 5 days of initial communication. Also they are in violation 15 usc 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collectors are also violating 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. The debt Collection Company by reporting this inaccurate information to the credit bureaus. It effected my reputation when trying to get approved for the essential things of life a home and a car. Their actions has ruined my reputation and caused me to be looked as inadequate to other financial institutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A company call XXXX XXXX XXXX came onto my private property on XX/XX/2018 and stole my automobile. I did receive any type of notice saying they collecting on a debt. If they take or threaten to take any nonjudicial action ( i.e, without a court order ) to repossess property when there is no present right to possession of the property they is in violation. l did not receive any type of notice asking if they can enter onto my private property and steal my private automobile.

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 2017-11-14
Company: Radius Global Solutions LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WENT TO EMERGENCY ROOM XXXX XXXX, XXXX HAD HEALTH INSURANCE COVERAGE FROM 2 SOURCES XXXX XXXX XXXX THRU EMPLOYER AND XXXX XXXX THRU STATE PHYSICIAN FAILED TO FILE A CLAIM FOR PAYMENT IN A TIMELY MANNER AS STIPULATED ON THE HEALTH INSURANCE CONTRACT AND FAILED TO FILE AN APPEAL FOR SUBMITTING CLAIM LATE. NOW IT IS IN COLLECTION IN THE AMOUNT OF XXXX AND HAS DRASTICALLY IMPACTED MY CREDIT SCORE

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 2019-05-23
Company: Experian Information Solutions Inc.
State: RI
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 don't know who XXXX XXXX is nor do I owe them the amounts {$970.00} and {$480.00} I have no idea what the accounts are. I also do not owe XXXX XXXX {$2600.00} and {$4300.00} for the unknown accounts. XXXX XXXX XXXX XXXX {$300.00} I have no idea why I owe them

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 2017-11-14
Company: Central States Recovery, Inc.
State: GA
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 sent in a debt validation letter and Central States Recovery sent a letter stating that they do not have any record of the alleged debt ; however, they are still reporting to XXXX and XXXX This needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: CURO Intermediate Holdings
State: MO
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I applied for a loan online and in person by speedycash multiple times but did NOT recieve ANY money. This is a very bad misrepresentation by this firm and they are helping aid XXXX in further retaliating to a wrongful termination and equal employment opportunity commission investigation along with a human rights act. This firms main concern was to find out if i have defrauded the government by collecting social security when i am clearly able to work. speedycash I have used a time or XXXX before and now they only are concerned with aiding and abetting a criminal business owner in depriving a qualified candidate with a XXXX of his equal employment opportunity he is afforded under the USA constitution by further aiding and abetting a local business owner in retaliating to a district judge 's order.

Company response to consumer: Closed
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-11-15
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018 I went to a branch at BB & T to STOP the authorization of Overdraft Protection. I signed all necessary paperwork and still have not been unenrolled in this program. It has cost me {$300.00} worth of fees in 3 three months.

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 2020-08-24
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:
I notified Transunion that I am a victim of identity theft and the responded that they verified a fraudulent account to belong to me. I would like to know how and when transuion was able to verify a account that someone fraudulently put in my name by using my personal information

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 2018-11-15
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Compass bank made sure to put my account - {$3.00} despite having the funds in there so they could charge a NSF fee of {$38.00}. I had transfered {$20.00} which made it to the good but they put the other charge through first to make sure it was negative. With that, it cause my account to be negative again when my XXXX  for {$3.00} went through. I want to make sure the negative {$38.00} is refunded due to their illegal tactic to charge bogus fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29
Company: Maury Cobb, Attorney at Law, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting repeated " robo '' calls to my home number from various numbers that all leave the same message about a collection of debt. I follow my credit rating, score and owe no debt that monthly payments having been made ( home, car, etc ). 

The debt collector message just lists the name of the lawyer and an 877 number. At first we thought this was just a " phishing '' type scam but some searching found this person is known for bad behavior in debt collections. That is the reason we have not tried reaching out ourselves. 

The caller : Maury Cobb Attorney XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Number called from/date/time : XXXX XXXX XXXX/XX/XX/XXXX/XXXX and XX/XX/XXXX/XXXX XXXX XXXX XXXX/XX/XX/XXXX/XXXX and XX/XX/XXXX/XXXX XXXX XXXX XXXX/XX/XX/XXXX/XXXX XXXX XXXX XXXX/XX/XX/XXXX/XXXX These are just the calls I can remember documenting. The last call I saved the " robo '' call message as well. All messages are exactly the same and mention nothing about whom is being called or what the debt is about. Nothing has been received in the mail about this either. 

I have no documents but can provide the recording if required. Call logs can be obtained from my service provider if needed as well. 

Please make it stop and what other legal actions are available to me? 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened a PayPal Extras Mastercard backed by XXXX XXXX   on XX/XX/2017 and pay off the balance every single month prior to the statement closing date but every month, they still assess an interest charge. When I call, I have to be rerouted from a foreign call center to a live person in the United States which takes approx. 10 min. If I reach a person who is more combative than helpful, the call is terminated or escalated and the problem is resolved no less than 1 1/2 - 2 hours later. Each representative that I speak to has a different explanation for why the interest in being assessed on the account. The interest charge has been reversed each month on both mine and my husband 's credit card account but only for our effort. One statement charged interest on a {$1500.00} balance and my balance was never that high so it appears that they are inflating the balance to charge more interest. I reported the problem to PayPal, as well, since they are the owners of the name.

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 2017-11-14
Company: Innovis
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX AND INNOVIS TOOK 45 DAYS TO INVESTIGATE XXXX XXXX AUYOLOAN NO.XXXX. 
THIS VIOLATES THE F.C.R.A. CONSUMER PROTECTION LAW 'S.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Recieved a check for a refund for XXXX from portfolio recovery associates dated XXXX 2015. Lost the check. Found the check. Called them to have them reissue the check and they are refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I went with a capital one secured card to repair my credit. After 6 months on time payment history I was told I could get a credit increase. I missed the 6th payment due to an issue with the capital one website and it not processing the payment before the due date and I did not realize it until a few days after the payment due date. This was over 2 years ago. I still have and use the secured card and pay on time every month and usually make 2 payments per month over the one just to be sure the payments are processed. Ive been 2 years straight now without a single missed payment or late payment and I still can not get a credit increase. Without that increase Im showing a constant low credit available due to only having a credit line of the initial XXXX dollars that I paid for the card 29 months ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: PNC Bank N.A.
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The problem began when PNC Bank went through a conversion to the loan accounts in XX/XX/2018. Since the beginning of my loan, I have always paid my payments early even though I am set up for auto draft. I was guaranteed at the beginning of the loan that I could pay early with no penalty and the Bank would not take an additional payment from auto-draft since the payment had already been made. Since the conversion, they have been taking an additional payment from my checking account even though the payment was made early. On one occasion, I had to transfer money from another account as to not overdraw my checking and be charged overdraft fees. On another occasion, my checking was overdrawn and overdraft fees were charged and they took money from another account to cover the home equity loan payment even though the payment had already been paid early. PNC has even turned my account over to their collection department stating I asked for an extension due to hardship, which I never did. All payments have been made early and an additional amount paid to principle since the beginning of the loan. I have talked to several people regarding this matter since XX/XX/XXXX and nothing has been done. I get a response of " there is an open case on your account '' but yet the mistakes continue to be made. If I remove the auto-draft from the loan, they can raise my interest rate. They are taking money that I don't owe. Getting them to return it takes weeks. After five months, I should not be dealing with this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-18
Company: SYNCHRONY FINANCIAL
State: PA
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:
On XX/XX/XXXX, I filed for Chapter 7 Bankruptcy protection. One of my creditors was a  Synchrony Bank/XXXX account that had an outstanding balance. I also had a Synchrony Bank/Care Credit Card that had a {$0.00} balance and was never late that I choose not to list on my bankruptcy petition per my attorney. My Synchrony/Lowes account was immediately closed by Synchrony Bank upon filing of the petition, however, my Care Credit account remained open. I used my Care Credit Account on XX/XX/XXXX for a pet emergency and charged {$220.00} on my card and it wasn't rejected. My Chapter XXXX Bankruptcy was discharged on XX/XX/XXXX and the Discharge Notice was sent to the creditors. On XX/XX/XXXX, I made an electronic payment of {$220.00} on my Synchrony/Care Credit account, paying off the outstanding balance. XX/XX/XXXX, Synchrony Bank closed my Care Credit account and initially reported the account as a Charge Off and I contested it, since it was never late and in good standing. I contacted them and questioned the action and the bankruptcy department at Synchrony Bank told me to basically put it in writing. I mailed the same complaint via a letter with all the attachments requesting that this be corrected back on XX/XX/XXXX via Certified Mail and it was received by them on XX/XX/XXXX per the tracking. I have filed disputes with all 3 major credit reporting agencies and Synchrony Bank apparently refuses to correct their mistake by reporting my Synchrony/Care Credit account as Included in Bankruptcy. It is also obvious that they are linking both of my accounts to the bankruptcy through my social security number and not the actual account numbers. The account was Closed by the Credit Grantor and at the time of closing it was Never Late, with a {$.00} balance and in good standing and should be reported as such.

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 2017-11-14
Company: ID Analytics, Inc.
State: AL
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 purchased a car in XX/XX/XXXX And I got turned down from XXXXXXXX XXXX. They said my XXXX credit score was a XXXX. But they listed a company I have never heard off called sagestream Llc. They are stating my credit score is a XXXX. My question is who is this company I have never heard of them and why would my score be 141 points lower with them than the big 3 banks use. This credit company maybe me get turned down for a loan that I should have easily been approved for.

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 2018-06-18
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was not aware that a judgment has been placed to our house until we applied for a refinance of the house. What happened was XXXX XXXX XXXX offered me a service to be able to accept credit cards as payments for my business. I agreed to it and signed the contract but after a few days I found out that there were more fees to pay each that was not told during the presentation. So I cancelled it right away but they won't let me. I didn't even get a chance to touch or use their device. They kept harassing us to pay for a year contract but I told them that I'm not paying for it. Little did I know that on XX/XX/XXXX a judgment of {$1500.00} was against me in favor of XXXX XXXX XXXX. 

Because we want to proceed to the closing of the loan the Title Company tried to contact XXXX XXXX XXXX but was unable to locate them anymore. After a lengthy research they found that it is now handled by the XXXX XXXX. So the XXXX XXXX  XXXX XXXX immediately reached out to the XXXX XXXX to get the payoff amount but to no avail. The XXXX XXXX  XXXX XXXX have reached out to XXXX XXXX 10 times between XX/XX/XXXX and XX/XX/XXXX. They have talked to several contacts on several dates and did not get the payoff needed. We are unable to move forward without a payoff from XXXX XXXX. I myself attempted to call several times and the same result. It's costing us more due to the interest lock in had expired. 

I need your help please!! My case number XXXX and the XXXX XXXX phone # XXXX. The last contact made by the Title Co. was on XX/XX/XXXX and was transferred to lien specialist at Ext XXXX, spoke with XXXX and my name was provided and she stated that she didn't remember seeing that account but will review the request and will get to us as soon as possible.

Company response to consumer: Closed with explanation