BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased a back-up system for an R.V. through Amazon around XX/XX/XXXX of XXXX. 
It was not the correct one, so I returned it through XXXX on Friday XX/XX/XXXX, at XXXX XXXX. The drop-off location The XXXX Store # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Tracking # XXXX. I started receiving invoices for payment. I 1st contacted XXXX at Synchrony on XX/XX/XXXX at XXXX XXXX was directed to Amazon. The customer service said they would rectify it. My 2nd attempt was on XX/XX/XXXX at XXXXXXXX XXXX. I spoke with XXXX at Synchrony bank explained what happened and said he would take care of it. I called Amazon to check on the return, I was told that Amazon received the return on XX/XX/XXXX. I am stilled being billed so my final contact was on XX/XX/XXXX at XXXXXXXX XXXX. I spoke with XXXX then transferred to XXXX, then transferred to XXXX who is the manager, he said he would investigate it, I supplied a copy of the shipping label. As of XX/XX/XXXX almost a year later this has not been resolved I am still being billed for an item I do not have. Please help me with this problem, I tried to resolve it but to no avail.

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 2022-03-02
Company: AmeriCollect
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a debt for {$3600.00} on my credit report coming from the debt collection agency Americollect Inc. I sent Americollect, Inc a debt validation letter on XX/XX/2022 to verify the debt that was appearing on my credit report. Today ( XX/XX/2022 ) I opened up my mailbox and opened up the return letter that I received from them ( that was sent XX/XX/2022 ). In the letter that they sent me there was the hospital charges bill that had procedure codes, procedure description, and personal medical information. I know my rights and I know that this is against HIPAA violations to do so. I specifically asked for the validation of the debt and not my hospital charges/charge descriptions/info that is against my HIPAA rights. Initially, in my debt validation letter I had asked to just have the debt cleared from my credit report. I'd still like to have the debt irradicated and if Americollect Inc can't clear it, then I will have to take legal action for having my HIPAA rights violated. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX has violated my rights. On XX/XX/2021 there was an unauthorized inq

uiry. 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 my written instructions 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 my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: HYUNDAI CAPITAL AMERICA
State: VA
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 leased a vehicle with Hyundai Motor Finance in XXXX XXXX for three years. In XXXX XXXX I had paid in full and never had a missed payment however, upon calling one day I talked to someone who was very unhelpful and rude at XXXX. One week later 8 missed payments showed up on my XXXX ( only ) credit report from XXXX XXXX XXXX XXXX and XXXX ( XXXX ) dropping my score 82 points. I called Hyundai who told me I had always prepaid and never had any missed payments, so I filed a dispute with XXXX on XXXX XXXX. By XXXX XXXX I received a letter from XXXX that Hyundai provided them all documentation and Hyundai removed the erroneous information. I never received an explanation of how someone goes backwards XXXX XXXX years and adds inaccurate information though I do believe it was the gentlemen I upset at Hyundai who did it. My credit score went back up over an XXXX and the account was closed in perfect standing and all my checkboxes were green with no missed payments. Today I check my credit score and once again Hyundai reported all the same erroneous information that was just resolved. I contacted XXXX and they verified that Hyundai once again did the same thing on a closed account that Hyundai just removed from the account. The XXXX women told me I should contact you because she too thinks this is very shady and that she has never seen anything like this. To the point she was going to call Hyundai on my behalf. I truly believe Hyundai has a gentlemen on their payroll who is purposely and maliciously opening my closed account and re-reporting information that they just removed. When I called Hyundai, they will not let me speak to the department who reports it, informed me I once again had to wait 30-60 days for them to research it and that they could not tell me why this is repeating itself. As a matter of fact, they are completely not willing to provide me with any answers. I asked them to reopen my old dispute, they said they ca n't. Long story is I can not speak with anyone who can help me in a timely manner, they once again dropped my credit score 77 points and I feel this is going to continue happening over and over again. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a mortgage customer of Suntrust ( now Truist ) since XXXX of XXXX. When the pandemic hit, the company allowed borrowers to opt into a temporary forbearance. I opted into this program from XX/XX/XXXX until XX/XX/XXXX. I immediately started back paying my mortgage in XX/XX/XXXX after a 6-month forbearance. Since XX/XX/XXXX 's payment, my payments have not been applied to my mortgage account. They sent me a letter in XX/XX/XXXX dated XX/XX/XXXX about my mortgage adjustment. I sent back all the documents requested from me, and I was assured that my mortgage would reflect current within 30-60 days. It's nearly 4 months later, and my account is still not current. My payments are not being applied to my mortgage loan but are going into an " unapplied funds '' account. I have called Suntrust ( now Truist ) every other week for the past two months to get this corrected, and I'm continuously told that the message would be passed along. It is almost as if the employees don't even know what to say. It's very inconvenient, as it's not reflected on my credit report or online account that I'm making payments.

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 2021-04-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi! My PayPal account is limited by mistakely. For verification in PayPal you need to submit your documents. I provide all documents to PayPal XXXX documents in my local language XXXX and PayPal limited my account and freeze money for 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A former friend opened a credit card with Discount Tire through Synchrony Bank and fraudulently used my phone number as well as her own on the account. She has not paid into the account and it's past due so now I get automated calls from Synchrony 3-6 times per day on various numbers as they attempt to collect a debt that is not mine. The card is not in my name thankfully but my phone number is on her account when it has no right to be as I did NOT give my permission to do so. 

I called Synchrony and they claim they can not remove it. That the cardholder herself has to call to do so despite that its MY number. She will never call as she owes them money. They refuse to stop calling me on a debt that is NOT mine. 

It interrupts my work and personal time and if this continues, I will be forced to change my 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 non-monetary relief
Consumer complaint received 2017-07-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have these accounts listed on my credit report that are not mines and was open based off fraud. I have even filed and fraud complaint with the FTC and provided this before to the credit reporting company. I have contacted the companies and they have yet to respond.
XXXX XXXX, XXXX - Opened XXXX, should be also deleted since it is seven years old.
XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX XXXX account was used to commit fraud and I even filed out a ID theft complaint sent to me by XXXX XXXX XXXX XXXX.
<P/>
These XXXX accounts below on my XXXX are not mines. I have disputed them before. XXXX XXXX XXXX - {$53.00} XXXX XXXX XXXX - {$5900.00} The inquires by XXXX XXXX on my XXXX and XXXX I did not authorize and have contacted XXXX XXXX and they told me to dispute with credit reporting companies.
<P/>
XXXX XXXX XXXX XXXX Opened XXXX XXXX - is reporting on my XXXX report as a Charge-off and that is incorrect. The dealer vided the contract and this should not be on my credit report.
<P/>
XXXX XXXX XXXX account - Opened XXXX XXXX, is paid in full.

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 2021-03-10
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a letter to the credit bureau in regards to items on my credit report that were inaccurate. It has been over 30 days and I still have not received a response and it has been a huge burden for me effecting my ability to apply for loans, both personal and for my business. According to the law I should have received a response to my disputes by now or the items should have been deleted/updated. I checked my credit score again a few days ago and the same items I disputed remain on my report and have not been updated. Some of the items on the credit report show late payments that I was not aware of. I take paying my bills on time very seriously. As I mentioned, I am a business owner and COVID-19 has affected my business and ultimately affected my finances. To my understanding the CARES Act went in to effect in XX/XX/XXXX and was suppose to protect individuals like myself from creditors reporting late payments on my credit report. The credit bureau can review my credit report and see that I have always paid my debt on time if not early prior to Covid 19. My credit report shows that I was never late until Covid -19 took the world by storm. To date, even with Covid-19 still lingering I have made every effort to make my payments on time. The credit bureau should have not put " late payments '' on my credit report per the CARES Act, it has effected my credit score greatly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX HAS A FRAUD ACCOUNT OPENED UNDER MY NAME / SOCIAL NUMBER. 
XXXX WAS NOTIFIED ASAP AND HAD PLACED THE ACCOUNT UNDER FRAUD. I NEVER HAD ANY BUSINESS RELATIONSHIP WITH XXXX.. DO NOT HAVE AN ACCOUNT. NEVER. 

COLLECTION AGENCY - NAME DIVERSIFIED CONSULTANTS. FILED A COLLECTION ON MY CREDIT REPORT BUT DID NOT PROVIDE ADEQUATE NOTICE OF THE DEBT never PROVIDED PROOF OF DEBT OR ANY STATEMENTS PERTAINING. 

ADDING TO MY CREDIT REPORT HAS CAUSED MY NEAR PERFECT SCORE TO DROP WHEN I NEED FOR AN UPCOMING FAMILY PURCHASE. 

I BELIEVE DIVERSIFIED CONSULTANTS HAVE CAUSED ME DIRECT HARM. 
I BELIEVE DIVERSIFIED CONSULTANTS DID NOT FOLLOW PROPER PROCEDURE AND STATUES WHEN PLACING THIS COLLECTION ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid 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:
My friends and I were visitng XXXX and purchased gemstones from a jewler on XX/XX/XXXX and XXXX 2017. We were assured that they were mined, processed, and genuine gemstones guaranteed by the government of XXXX. We were also told by the store manager that if we did not find the stones to be of gem quality, they could be returned for a full refund. We had those stones evaluated by two independent jewlers and they were found to be pieces of glass instead of gemstones. Since then we have returned the " gemstones '' by XXXX to the vendor and have confirmation that the store received the merchandise. Some of my friends, who also made purchases, have had their charges reversed by their banks. I have enclosed one such letter stating this fact. Somehow my bank ( Chase ) is finding it hard to understand that fake glass does not cost thousands of dollars and they should not charge for merchandise that has already been returned. XX/XX/XXXX- {$4500.00} Copy of correspondence with the bank is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Key 2 Recovery, Inc.
State: KY
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:
They been taking money out of my account and its been non consistent payment types ones its XXXX $ then its XXXX . But non of this is showing the report on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 was a loyal Kohl 's customer for over 8 years. I had a credit card which I paid in full each time I received a bill. I never carried a balance to the next month. I received a call on XX/XX/17 that my account was 60 days past due {$170.00} plus fees of {$64.00}. I never received a bill from them. I was devastated and paid by phone immediately. They assured me that they would get it taken off of my credit report if it was reported. A week or so later I got a letter stating that they investigated and there was nothing they could do. I never got a bill! I 'm not sure if it was a glitch in their system but I never received the bill. If I had, as history shows, I would have paid it immediately. I have since closed my account with them because I will not deal with a company that treats their customers this way!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Hello, I am writing this message because I am having a problem with the transunion credit bureau. As im going over my credit reported dated XX/XX/XXXX. Ive noticed multiple inquiries on my report that I have not authorized. Now by reading and doing some research there were a glitch in their system which occured, so that may have an effect on this matter. I know I have a few accounts listed on my credit reports as well that leads to inquiries, but the ones that are not attached to an account does not belong to me. The credit bureaus are supposed to give me a 5 day notice that inquiries were supposed to be placed on my report and I never received any type of notification. I called today and spoke with a XXXX and XXXX, and was told I had to send a letter to the creditors. Here are the inquiries listed XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( i have XXXX account with them, not XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On X/X/2017 I mailed a dispute letter to TransUnion regarding a Tax Lien showing on my credit report. TransUnion signed for this letter on X/XX/2017 as proven with USPS tracking ID : XXXX. <P/>On X/XX/2017, I received a notification that the tax lien was " verified '' Absolutely no documentation or proof was sent with this " verification '' notice that the debt is mine or is being reported accurately. <P/>On X/XX/17, I sent yet another letter to TransUnion, requesting their method of verification, the name and telephone number of who they verified the information with and specific instructions to provide me with the documents that support their reporting. TransUnion signed for this letter of X/XX/2017 as verified with USPS tracking ID : XXXX. <P/>Today, X/X/2017, I received yet another notification that this tax lien has been " verified ''. Again NO DOCUMENTATION WAS ATTACHED TO SUPPORT THE REPORTING OF THIS PUBLIC RECORD. <P/>The Resolution Summary states the source of the public record is a courthouse, however, upon contacting the courthouse listed on my credit report prior to filing the dispute, they stated the court does NOT report to the credit bureaus and therefore, could not help me with the issue. To further complicate matters, TransUnion then sent a separate letter on X/XX/2017 stating they use a third party to verify their information but did not list who that third party is. As a consumer, I have the right to know, who is reporting negative information against me and where that information came from. <P/>As I read through the new credit report provided to me today ( X/X/17 ), the tax lien listed states that the information was updated on X/XX/2017 ( which is the day they signed for the second letter ) which indicates to me, no further validation was done on this item in question after my second letter was received.

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 2019-10-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 6 Balance {$7900.00} Date Opened XX/XX/XXXX Amount Past Due {$7900.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount $ 297 Months Reviewed 48 Delinquency First Reported XX/XX/XXXX Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am writing this due to non-compliance with the bureaus ( XXXX, TransUnion, and XXXX  ). They have failed to remove information that was linked with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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