BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-17
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I signed a contract to purchase a vehicle on XXXX XXXX, XXXX and that contract contains some errors so the finance manager at XXXX XXXX asked that I sign another contract. I assumed the contract stated what he said it stated and that it was a reprint just to correct the mileage issue. I was told that my due date was going to be the XXXX of every month and that I needed a {$1000.00} down which includes my first payment. On XXXX I woke up to an alert from my credit monitoring service advising me that I had a 30 day late payment with Gm Financial. I did n't understand how that was possible when I made a payment on XXXX XXXX, XXXX and gave payment information on XXXX to make another payment. I contacted GM Financial and I was advised that the due date on the contract states that the payment is on the XXXX of the month. I explained to the GM Financial Representative that I did n't have a copy of the contract, I have n't received a billing statement yet, and the sale person ( s ) at XXXX XXXX informed me that my payments was due on the XXXX of the month. I made a payment on XXXX how can I be 30 days late. The Representative stated to me that the payment was never processed on XXXX and the notes stated that I would call back on the XXXX, and make a payment, I disagree with. I feel if the payment was due on the XXXX of the month and I stated to the representative I will pay on the XXXX, why would n't the representative advise me that the payment would be 30 or more days late. I contact XXXX XXXX and spoke to XXXX ( sale/finance Manager ) who handled my transaction and he advised me that I signed the contract on the XXXX and that he entered into the system that my payment should be due on the XXXX ( although I was told XXXX ), I put {$1000.00} down payment down and was told that I would n't have a payment due until XXXX XXXX XXXX. When I contacted GM Financial about this situation I was told that they will look into it, but after looking into the situation they stating to me that I need to contact the dealership to get this matter corrected. The dealership stated to me that, there 's nothing they can do but to send me a copy of the contract showing I signed the contract on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: KS
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to ask for validation of debt from XXXX XXXX XXXX because it popped up on my credit randomly. Stated as joint collection but, parties involved were never listed. My debt was never validated to me the alleged consumer. Tried to dispute that in anyway possible to XXXX XXXX and equifax but they have not played their part accordingly by having the creditor validate my debt to me. No notice or anything was sent to me in the mail. I never even received an email or a link to pay alleged amount owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on the XX/XX/2018. I deposited a check from my employer " XXXX XXXX XXXX XXXX '' for the amount of {$700.00}. there was a hold placed on my check for a period that exceeded 5 business days. i was negative in my account when i initialize the deposited in my account. so i had no funds to continue this new job i started. and the end result to that check was a much greater negative balance, and loosing my employer due to funds for transportation. so since i lost my employer and cant pay my bills an they added fees for insufficient funds i want to file a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was notified by Convergent Outsourcing Inc. on XX/XX/2020 of an account that was allegedly owned by me from XXXX. I responded to convergent on XX/XX/2020 with a request for validation of the debt and I never received any verification from their company. I received a notice via email on XX/XX/2020 that the account was now on my credit report and it has caused my credit score to drop a considerable amount. My request was received and signed by XXXX XXXX on XX/XX/2020. I never received a response to my request and the company has illegally placed the account on my credit report. on XX/XX/2020 I spoke with two individuals that stated they did not have to respond to my request and that all they needed was my name and social security number to place the account on my credit report.On XX/XX/2020 I spoke with XXXX XXXX, and her supervisor XXXX XXXX and they were both rude and dismissive of my complaint. I was told by XXXX XXXX that I issued a cease and desist order and the order stated that " until they provided the requested documentation they should cease and desist all further attempts to collect the debt ''. I have received absolutely no correspondence from the company at all.

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 2023-04-15
Company: Experian Information Solutions Inc.
State: TN
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:
It has been over thirty days and the creditor has not updated the information nor has provided proof or documentation in regardless to a late payment. They have not supplied this information and they must delete the aleged late payments o my credit report. Under federal law they have thirty days to complete the investigation And by failing to do so my rights have been violated.

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 2020-05-28
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously filed a complaint regarding this matter and received a response from XXXX XXXX that included a COMPLETE FABRICATION. XXXX XXXX asserted that bills were sent to the address verified on my complaint in XX/XX/2020 with no response. That is a complete and bold faced lie. NO COMMUNICATION has been sent to my valid legal address of 7+years in KENTUCKY. I know this because you did not even have my address until I provided it on the complaint in XX/XX/2020, BECAUSE THIS IS NOT MY ACCOUNT, nor did I authorize the use of my personal information to establish it. I am happy to provide an electronic copy of an FTC report ; however, you are not legally permitted to cause me to incur the costs of printing and having the document notarized as IT IS THE RESULT OF IDENTITY THEFT. I will also provide a police report ; however, you should be ashamed of yourselves for requiring me to utilize our first responders time in such a wasteful way as they have much greater concerns to focus on at this time. I alsp have not recieved notice that you have placed a disputed by the consumer comment on my credit reports as a result of my WRITTEN dispute of this debt, another violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00} ; XXXX XXXX  XXXX Balance Owed : {$750.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXXXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX Balance Owed : {$2900.00} ; CXXXX XXXX XXXX Balance Owed : {$750.00} ; XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I used CareCredit for a dental procedure XX/XX/XXXX for a 12 mos same as cash offer. I calculated what amount would be needed to completely pay off the creditor before the promotion ended. 
I was going to get a XXXX from my XXXX XXXX  doctor but was concerned about the possibility of problems with paying for a new same as cash account while the other was still active. I called CareCredit and they informed me that the previous contract is always paid first and then the payments are applied to the second contract when the account is paid in full. I called them between XX/XX/XXXX and XX/XX/XXXX. 
I went ahead and had the elective XXXX in XXXX before the XXXX   contract was paid. I could have waited until the XXXX  procedure was paid in full but since CareCredit said they would pay my XXXX bill first, I had the XXXX. 
I got my bill after paying extra for a few months since my XXXX XXXX and the payment was being applied to the new contract making the old contract retain a high balance and only paying a few dollars on it. 
I called CareCredit customer service and they said they never told me that. I needed to call the XXXX doctor about the contract they put me under. I called the XXXX doctor 's office and they told me there is a min. payment due but they do not know the amount. I called CareCredit customer service again and asked for them to please listen to the recording of the representative between XXXX XXXX and XX/XX/XXXX. They said they didn't have any calls from me except my initial call on this complaint yesterday. They lied. I know I called because I wouldn't have done the procedure if it wouldn't have been as they had told me. They lied to get me to use their financing and then couldn't find the call when asked to verify. This is unfair for consumers. Please look into their practices so no one else is cheated and if they couldn't afford it would get all the back interest added to their account at the end of the term as they have tried to do with me. Most do not have the money upfront otherwise they wouldn't use this same as cash option.

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 2023-10-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
my name is XXXX XXXX XXXX XXXX my problem started when I find out that they where merge other ppl report on my  report with the same name my score drop because of this when I call they wont fix it and tell me that there sorry there nothing they can do why do i have to pay the price for there error

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I wasnt aware that for the {$800.00} loan I was going to be charged 752.99 % APR. The company was not clear about it and I was not made aware that I would have to pay {$2000.00} in finance charges. So my total amount due is {$2800.00}. I believe I already paid 5 payments of {$230.00} Which totals {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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: Credit inquiries on your report that you don't recognize

Complaint:
i have reached out to all three bureaus and was told to get an ftc report to help remove the inquires since it was unrecognized and unauthorized. still nothing have changed on my report, this is troubling me from moving out my mom house. 

As per FCRA section 609 605 and 623 Please provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records I expect removal of this inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: PA
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:
In accordance with " The Fair Credit Reporting Act Convergent '', Equifax Mortgage XXXX on XX/XX/2022, XX/XX/2022, & XX/XX/2022, has violated my rights by way hard inquiry on my credit report. 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 2022-03-04
Company: Experian Information Solutions Inc.
State: TX
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 # 's ( listed below ) 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 an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX XXXX my bill of {$66.00}. did not come through when I made the payment. When I notified the money didn't come out of the bank I decided to reach them out. The representative told me I was two months late and I should pay the minimum payment of {$150.00} to bring your account up to date. I told her they didn't notified me of the rejection she apologies and told me if I pay full balance of the account with her she will adjust the late payment fee and also will remove the late payment from my credit report. They adjusted the late payment fee but didn't remove the late payments from my credit report. I reach them so many time and explain the situation. They always told me same if I don't have a letter from them there is nothing they can do or that the late payments is accurate. I now can not get a mortgage because of this mark of my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Immediate Credit Recovery
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A representative from ICR Inc ( Immediate Credit Recovery , Inc ) has called multiple times over several days, refusing to provide anything but a first and last name as identification without *me* providing the last 4 of my social security number. I repeatedly refused to identify myself without verifying what company the representative was calling from was legitimate. 

The representative finally said " Fine, I'll verify the last 4 digits we have on file and you can tell me if they are correct. # # # # '' and gave my correct last 4 without having ANY idea who was on the other line. The representative confirmed that she was being recorded on her end of the call. 

I had no confirmed my name, only repeatedly asked for the called to identify the company she was calling from. I thought this was a WORK call and was trying to figure out what client I was talking to, and heard my own social given out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Credit Systems International, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by letter with Credit Systems International Inc for XXXX XXXX with a Past Due amount of {$700.00}. I contacted Credit Systems after receiving the letter explaining to them that due to Covid-19 my Car Lot closed. I contacted Alabama Power and told them I was moving and to disconnect the power, well they didn't and my Ex Landlord had another Car Dealer take possession of the property the next day. I put up a {$750.00} deposit and didn't owe the Company any money. After responding to the letter I was told the file would be put in dispute. Well 2 weeks later I get a Alert from XXXX XXXX and XXXX XXXX saying a collection from this company was put on my XXXX and XXXX Credit Report. On XX/XX/20 I spoke with the Supervisor Mrs. XXXX XXXX and she promised me that she would delete the collection off of my Credit Report. I take pride in having Great credit, I have 6 Credit Cards paid on time and a Mortgage paid on time too. Right now Credit Systems International Inc. violated my rights under the Fair Credit Reporting Act and they are liable for damages in State and Federal Court for {$1000.00} each plus other damages. Presently I am trying to obtain a Loan to reopen my business but due to this collection I have been declined, they need to pay me {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Synchrony Amazon Store Card for a few years now. I have used the card regularly and always paid off the full balance on the card. Before and during XXXX XXXX XXXX this year ( XX/XX/XXXX ), I made multiple purchases at XXXX and charged it with the Amazon store card. The store card purchases can receive 5 % cashback on all XXXX purchases, and during the XXXX XXXX promotion periods, they run a promotion for 10 % -25 % cashback on some items. I made several purchases with those promotions. However, the bank closed my account on XX/XX/XXXX. I contacted their agent online and was told that I have too many cards with Synchrony. However, I have only one card with them - Amazon Store card. I don't understand that the definition for Synchrony of too many is 1. The agent said she/he would escalate the issue with higher management and would get back to me, but no one contacts me at all. 
I believe that the only reason that the bank closed my account is due to that they would need to pay me the rewards for my XXXX   purchases before and during XXXX XXXX  XXXX XXXX promotion. The only way for them to avoid paying those rewards is to close my account. That's why their agent made up things such as I have too many accounts with them, while the fact is I only had one.

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