BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: SYNCHRONY FINANCIAL
State: VA
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:
My problem is with PayPal, Synchrony Bank, from what I gather who manages it. They lend you money on purchases for up to six months on items of {$99.00} or more, but their slippery slope is that floating closing date for billing. It varies each month with the hope of tripping up the borrowers with higher than expected payments who will have to try figure out their muddled billing cycle that floats. I do not like it that I face 24 % interest with the varying closing date, plus other unknown fees and whatever. On the other hand, if it were consistent, then one would know what s/he is getting into when borrowing, but as it is, it is corrupt and can easily trick a borrower through obfuscation and muddling of due dates for billing cycle, billing amounts, etc. There is a 25 day borrowing period or payment cycle, but the closing date varies for convenient obfuscation and adding the slippery slope for playing the borrower. It is NOT good for consumers, as one can not know what the cutoff date is for payments. I'll not be using them save for paying monthly and in full, but I have to wait for them to move and set up closing date, which will be tricky. In effect, I was not able to use the six months for paying for the > {$99.00} item. It would be good for consumers, if it were clearly laid out and not changing all the time, such that one gets confused about cutoff dates, billing date, etc. Otherwise, it's corruption 101, and buyer beware, crooked people are out to fool you and get you on a slippery slope.

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 2021-08-10
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: NAVY FEDERAL CREDIT UNION
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Medical-Commercial Audit Inc
State: IL
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:
Made a payment for all 3 medical bills in amount of {$81.00} to be deleted off credit report on XX/XX/20

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted in late XX/XX/XXXX regarding an amount owed to XXXX XXXX  XXXX. It was explained to the collection agency that I was never on a lease or signed a lease at the complex. I had applied and was turned down. National credit systems Inc, XXXX XXXX  XXXX XXXX, XXXX Ga XXXX has placed {$1700.00} on all three of my credit reports. Information has been submitted showing that I was not affiliated with a lease at the said complex. The information has been disputed and it comes back " verified ''. The most recent dispute filed in XX/XX/XXXX came back as also " verified ''. I spoke with Mr. XXXX at the collection agency. A copy of the lease which does not include my name as the responsible part was sent in. Mr. XXXX stated that I was the guarantor. How can I be the guarantor of a lease if I was denied? I have requested for documentation that proves or states that I am the guarantor. Nothing has been provide and it has been almost a month since the information was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: FIRST HORIZON BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My company, XXXX XXXX XXXX ( an outpatient physical therapy clinic located only in XXXX, Georgia ) had its Tax ID stolen band with it a fraudulent bank account was opened with Capitol Bank in XXXX TN ( now called First Horizon Bank ). Unfortunately the Bank Manager was duped by a fraudster who allowed him to put a series of more 60 stolen checks from the Georgia business to be deposited into the Capitol Bank account ( knowing the Georgia physical address on every checks deposited in the TN account ) - this fact alone should have alerted the bank processor ). Additionally a number of our XXXX, XXXX and Third Party payments were also EFT 'd into  this fraudulent account. The total amount of revenue embezzled / stolen is in excess of $ XXXX ( this crime took place over the course of 6 months as it took that long to shut the crime down ). Its important to note that Capitol Bank was put on notice of the crime with weeks of the account being opened. I personally requested that the account be frozen to protect our revenue, unfortunately the bank failed to take any action to protect my small businesses interest. In fact they allowed the money to be with drawn directly to person committing the crime ( in cash and checks made payable to him personally ). 

Attached to this file is series of documentation that include a detailed letter from the Georgia Attorney XXXX XXXX, who highlights the crime, the bank errors and request that the bank return the money to it rightful owner XXXX XXXX of Georgia. A XXXX County subpoena to the bank requesting the account documentation, A response from Capitol Bank including the account fraudulent signature card, with highlighted bank errors ( ie : a fake address for XXXX XXXX in TN ). Also attached are copies of the actual account bank statements supporting the fact of this claim. Last included is a XXXX County Criminal Arrest Warrant for the person that committed the crime. 

We have requested that the Capitol Bank ( First Horizon Bank ) return the stolen funds to our company in Georgia, unfortunately we have not gotten it back yet. That said to protect the statute we remain in a tolling agreement with the Banks Attorneys ( now more than 1 year ) .... unfortunately to date we have not been successful recovering the stolen money. We are seeking assistance with the Consumer Financial Protection Bureau for oversight into this matter, and requesting CFPB reach out to the bank on our behalf to find out what the hold up might be, otherwise we requesting all the stolen revenue be returned to us, again approx XXXX. 

I sincerely appreciate your review and consideration of the facts and remain hopeful Capitol Bank with take proper action to reconcile this matter. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: SYNCHRONY FINANCIAL
State: VT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I never wanted this credit card to begin with but the Sales Person made such a hard sale about signing up and how easy it was. I completed the application with Banana Republic and received a credit card with a {$500.00} limit. I used the card three, maybe four times, I always paid my account in full. I havent used the card in five months and out of the blue I get a letter from them closing my account!!! My credit score is BETTER than it was when I applied for the card, now I have a negative notation on my credit report because they closed the account. They shouldnt be allowed to impact my credit score because they decide to close my account. I never wanted the card to begin with AND by extension I wont be shopping at Banana Republic anytime soon. If Gap thinks doing business with Synchorny is great, they can keep all their rotten business!

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 2017-08-07
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I pulled my credit report recently and noticed a collections account from XXXX that Debt Recovery Solutions is handling for {$220.00} opened XX/XX/XXXX. I dont remember having service with XXXX in XX/XX/XXXX.
I do remember having service in XX/XX/XXXX for a brief time. When we had the XXXX XXXX service in XX/XX/XXXX, our home flooded and the electrical caught on fire. We had to move into a place with a friend while we found a home for ourselves. We lost almost everything in the flood and the fire did a lot of damage to our home. I had to be hospitalized for a short period of time due to complications with my existing condition as a result of the XXXX I had. When I came out of the hospital, going through the process of calling Insurance, gas, electric, and so forth, I called XXXX XXXX and canceled services and specifically advised that I was going through this XXXX XXXX  because of almost losing everything in our house. I remember having to call several times because I kept receiving a bill for services that I did not have. Every time I called, I was advised that the services were no longer connected and one agent, for whom I do not have information for, advised me that I didnt owe anything and that they would send me boxes for the equipment. The boxes never came and if my memory serves me right, I even filed a complaint because I could not get you all to send me the boxes.
After I sent the equipment back, I called to confirm the receipt of the equipment and was told that you had received it and that I did not owe a balance on the account. After that, I never heard from anyone until I pulled my credit report and saw this. This is unfair. You charged me for services that we did not have or could not use because of the flood and fire. This is taking advantage of customers during a rough time to make an extra buck. Now you have added it to my credit report which is going to prevent me from continuing to get back on my feet. The sad part is, my husband and I still get solicitation from you for XXXX.
I want the collections removed as I tried to cancel the services but it seems that XXXX took advantage of me and kept charging me. I was also told that I did not owe anything by your agent. The fact that I told you all what we were going through, seems that that gave more leverage to XXXX to take advantage of the situation especially because of my XXXX/medical condition. It also feels like bait and switch where I was told my services were canceled and that I dont owe anything but now you all are changing it on me and slapping me with a collections account. I want this removed ; its {$220.00}! Not, $ XXXX! I am also notifying the FCC, my State Attorney General, CFPB, State Corporation Commission and other agencies to show how XXXX, and Debt Recovery Solutions, takes advantage of people when they are dealing with a hard situation, when people are the most vulnerable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: MO
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:
My credit file is reporting accounts inwhich are not mines, not sure if accounts been mixed up because I'm a jr., or could this be all due to my wallet being stolen years ago, not to mention I'm a victim of the Equifax data breach. Either way I challenge these unauthorized accounts and demanding physical documentation before you and your companies report such fraudulent accounts. I'm also requesting your detailed Method of Verification in this immediate investigation, and you can not produce such physical documentation then you shall remove the following accounts immediately. 

1. XXXX {$250.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX {$900.00} 4. XXXX XXXX XXXX {$4600.00} 5. XXXX XXXX XXXX 6. XXXX XXXX XXXXt 7. XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21
Company: U.S. BANCORP
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX Stated that they reached out to me in regards to my credit card was sent to collections without my knowledge. The amount due is {$1500.00}. There were fraudulent charges on my card and the fraud department expressed to me that the funds would be put back on the card for me to utilize. The card is in collections and they stated that they contacted me but I never received a call concerning this. They have been extremely unhelpful and unprofessional in my attempt to get a better understanding. Furthermore, they lied the last time I reported XXXX XXXX XXXX. I reached out to the President 's Office several times and got no correspondence back via telephone. I would like them to stop the late payment charge so that I can pay it off due to there negligence in staying in contact with me regarding the collection status of the credit card.

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 2020-07-11
Company: Radius Global Solutions LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
returned some of the equipment in XX/XX/XXXX to XXXX and the rest in XX/XX/XXXX also to XXXX, account not showing all returns bal should be {$540.00} instead of XXXX. I have called and visited the store on multiple occasions to resolve the issue

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 2023-05-09
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$680.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXXXXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Ive spoken with these credit card company directly several times.I ddi send letters, call them from my cell phone & Ive contact the store whom gives out the card, Ive sent them several emails through the credit card account.Ive personally had communication with the store regarding this. I was a Victim of Domestic Violence which turned into a Horrific Public Corruption Casewithin a Courtroom. I was threatened if I didn't back off in my case that these county govt Officials within the Courtroom would hurt me financially in anyway they could if I didn't back off. I've had my medical records tampered with & destroyed.Checking account tampered with, not receiving my mail, & social security number compromised.Ive been threaten & yelled at by the credit card representatives.

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 2019-08-13
Company: EQUIFAX, INC.
State: HI
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:
The following companies ran unauthorized credit report on me, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have never given permission for them to inquire my credit status, please remove it from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: OH
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:
Equiafax was compromised and now my credit score has dropped drastically within a day I tried to get help but I have to pay for them to now protect me even though the negligence has already impacted me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'm in the process of buying a house the lender keeps pulling my credit with my brother and sons information on it. When I call the bureaus, all 3 major ones to get the issue resolved I get a confirmation number and a reassurance that the issue will be resolved. That was a year ago and the issues still stands. Which is causing me to be homeless and holding up the closing date for my newly built home. I'm so frustrated cause they keep telling me it takes up to 30 days to correct. I don't have that time anymore and it's not my fault it wasn't done correctly a year ago.

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 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 was offered a loan with this company and accepted the loan terms under the impression they were a licensed lender in my state. I made a payment on the loan and got behind on the loan and contacted the company to make payments arrangements and told the company I could only offer to pay about {$25.00} per month on the loan because I am now out of work. The company refused the payment amount. I contacted my attorney general office to check on the validity of there license status and was informed that they are not licensed in the state that I live in which is South Carolina. The fees they are charging will never allow me to repay this loan in a timely manner. They have locked me out of my online account and refuse to allow me access to review the loan terms more closely.. When I try to log in it refuses to allow me to reset my password. Also, they are reporting this loan on my credit and they are not even licensed to make loans in my state of residence per my attorney general. The original terms of the loan was only 4 months and they have also changed this on my credit report stating this loan was for a total of 19 months which is not what I originally agreed to and is also false reporting on my credit report.

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