BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
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 transferred the balance from a Synchrony Bank/XXXX card to a visa. I transferred the full balance and I balance of {$150.00}. I wrote Synchrony bank and they did not respond in writing as they said they would. I just received a message to call them. I warned them they were going to be reported.

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 2018-10-10
Company: EQUIFAX, INC.
State: KS
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 have a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. On XX/XX/2016, I noticed an error on my payment history and it was not resolved until XX/XX/2016.I just check my credit report and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. I have paid this card off fully as agreed to by the credit card company but when I just checked my credit report this is showing as having 90 days past due in XX/XX/2016. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX XXXX  at XXXX and they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 have a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. On XX/XX/2016, I noticed an error on my payment history and it was not resolved until XX/XX/2016.I just check my credit report and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. I have paid this card off fully as agreed to by the credit card company but when I just checked my credit report this is showing as having 90 days past due in XX/XX/2016. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX XXXX at XXXX and they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help in resolving this 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 2021-09-07
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX called my elderly father asking questions about me and tried to get my address from him. 

Daily multiple calls to my cell phone. This debt is from XXXX and very old. 

Pandemic and Ive lost everything. I will never fully recover financially from this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 made the final settlement payment on this account in XXXX. The payment cleared my bank account of XXXX on XX/XX/XXXX. I have since contacted XXXX XXXX XXXX 3 times regarding this matter. I have submitted disputes to each credit bureau. As of XX/XX/XXXX when my most recent dispute was resolved and the account was reported to the credit bureaus the account is stilll showing as open and delinquent. Each contact I have made I have just been told to submit a dispute ... this is clearly not working as they are still reporting the account as open and delinquent.

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 2020-06-24
Company: EQUIFAX, INC.
State: GA
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: WI
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:
FCRA Violations; Not mine; Names, Addresses, and Accounts:

I XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Account name
XXXX
Account number
XXXX
Account type
Unsecured
Responsibility
Individual
Date opened XXXX

Account name XXXX XXXX
Account number
XXXX
Account type
Cell Phone
Responsibility
Individual
Date opened
XXXX



FCRA Violations; Never Late:

Account name
XXXX XXXX
Account number
XXXX
Account type
Credit card
Responsibility
Individual
Date opened
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Perfection Collection
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a blocked call from a XXXX XXXX. I think he is a courier and process server. 

He left a phone number for XXXX XXXX XXXX, a New York debt collection company. I called the company and asked them what this was about. They said they received an account from Perfect Collection.  They said Perfect Collection received it from XXXX XXXX. They had my address as XXXX XXXX XXXX XXXX in XXXX, Wisconsin. However, they did have my correct date of birth and last four digits of my social security number. 

To be explicitly clear, I did not purchase or lease an alarm system from XXXX at all. I have not and do not live at the address listed. I have not and do not know who lives there.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: EQUIFAX, INC.
State: NC
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 had a credit card with XXXX XXXX XXXX that was charged off and purchased by a collection agency, XXXX XXXX, XXXX. XXXX XXXX contacted me with a settlement offer, allowing me to pay an adjusted amount which would settle the account if I agreed to do so in 4 payments. I agreed and paid off the account. 
After a month went by, I noticed balance of {$740.00} remaining on my credit report. At which point, I contacted XXXX XXXX, they indicated they would submit information to the credit bureaus so the correct balance of {$0.00} would be reflected. They did not. Therefore, I disputed the account, to have the balance to reflect " paid as agreed. '' Today I received a notification from Equifax that the dispute was settled. I immediately checked my credit report and was horrified, my credit had dropped by XXXX points! The XXXX XXXX collection balance was showing {$0.00}. The collection was closed, but score dropped! I immediately contacted Equifax. After having been provided several different numbers to call, I spoke to someone who told me that XXXX XXXX had reported late payments on the account. That is incorrect. I had to pay the account on time otherwise, the arrangement would have been forfeited. I'm not confident in the information Equifax provided. The representative said he would file another dispute of the late payments. I'm not seeing any late payments on the report so I don't know what he's talking about. Even still, paying off a collection and reducing my collection balance should not reduce my score by XXXX points! I did what every lender tells you to do " pay off collections '' and it has hurt me significantly. By reviewing the information that XXXX submitted to Equifax, it is clear to me that Equifax and/or XXXX has made an error. XXXX appears to be saying that I made late payments to them. The late payments were to XXXX XXXX XXXX, which is how they received the account in the first place. It appears that Equifax is impacting my score, twice for the same account! What XXXX is showing as " amounts past due '' is the arrangement that I made with them - not past due payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
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:
I have on several occassions contacted XXXX, equifax, and XXXX  and have placed a fraud alert on accounts along with sending in my FTC ID REPORT IN REGARDS TO ACCOUNTS WITH XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX AN ONLINE ACCOUNT WHERE AN APPLICATION WAS SUBMITTED IN MY NAME ACCOUNT XXXX ON XXXX, EQUIFAX, AND XXXX. ALSO AN ACCOUNT SHOWING AS A PAID REPO NEEDS TO BE REMOVED FROM XXXX  XXXX XXXX ACCOUNT NUMBER XXXX I AM STILL WORKING TO RECOVER MY IDENTITY AND I EXPECT THIS TO BE RESOLVED IN A MANNER OUT OF CIVIL COURT. 

8 INQUIRIES 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 2020-06-26
Company: EQUIFAX, INC.
State: GA
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2020-06-26
Company: Byrider Franchising, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Hello Im contacting CFPB to help me out with a car loan/repossession it showed up on my credit report as closed I want it removed so when my credit Score is being rand I dont want that closed account for {$10000.00} to show up and this account was in XX/XX/2016 Can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is the substance of my complaint against Capital One. They have employed one stalling tactic after another in processing my home equity loan application. I believe early on they realized the interest they were collecting on my Capital One credit card balance was about the same as they would be collecting on this much larger home equity loan, so they put my application on the back burner. Is this not illegal? They have cost me and my son ( to whom I am going to gift a part of the loan proceeds ) more than {$1000.00} in additional interest on our credit cards. If one instance of this behavior is not illegal, should they not be investigated to determine if a pattern of this consumer abuse exists? 

You are able to monitor the progress of your application on their XXXX. It offers no communication, secure or otherwise. For nearly two months there has been nothing for me to sign, nothing for me to provide, yet, over that time, it has consistently reported, " 9 complete, 2 [ documents ] in review. '' When his subordinates ceased communicating, I sent an email to XXXX XXXX, Manager ( the text is attached to this complaint ). Nearly ten days have gone by and he has not responded. Read this and you will get a full timeline and details. 

The next document I am attaching is a letter from Capital One advising that they are exiting the home equity loan business. Why send this to me? My application had already been in process for three months! This makes me wonder if any of the people with whom I have been communicating still have a job at Capital One. 

The next communication I received was an email asking me to take a survey. After I checked boxes critical of their customer service, I was INVITED TO CONFIRM THAT I WAS WITHDRAWING MY LOAN APPLICATION! Of course, I did not do this, did not submit the survey. What kind of trickery is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: The Receivable Management Services LLC
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I've been asking for applications to show some kind of proof that I apply because I dont remember applying

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 2020-05-08
Company: HYUNDAI CAPITAL AMERICA
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a car from Hyundai and mailed my first payment to the address in my coupon book for more than the required monthly amount due. 

Hyundai Kia Motor Finance Company XXXX. XXXX XXXX XXXX, TX XXXX First pmt due date - XX/XX/2020. 
Payment received and cashed by Hyundai - XX/XX/2020 XXXX statement was received in the mail on Tuesday, XX/XX/XXXX saying I was past due. I verified the payment was sent and received by the appropriate date - Hyundai has misapplied my payment or posted it to another account and now they are negatively impacting my credit and charging me a late fee for their error. This is my first car buying experience and Im very upset. 

My payment was sent via bill pay by XXXX XXXX. Confirmation XXXX. 

I submitted an inquiry to Hyundai and they have not responded in their stated SLA. I called the finance company tonight and spoke to phone representative XXXX XXXX who failed to assist nor track down which account they wrongfully applied my payment too. She refused to waive my fee and told me they would not adjust my credit score that I had to do that on my own. They transmit data in metro II format much like other creditors and have the ability to resolve credit bureau reporting via direct dispute or indirect. I requested to speak to a manager and she told me they dont have any managers as a result of COVID-19. 

Im very upset with my first car purchasing experience, Hyundais Inability to apply a payment is resulting in negative customer harm. They are intentionally choosing not to assist and conduct the proper diligence to locate the application mistake. Again, Hyundai has my money and is requiring me to pay an extra {$700.00} plus a fee because of THEIR own mistake.

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 2021-09-07
Company: SYNCHRONY FINANCIAL
State: FL
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:
Synchrony Care Credit would not remove a transaction that i did not received. I believe Synchrony Care Credit are only in the best interest of the doctors and not helping me resolve a dispute on a service transaction that i did not 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 2018-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX credit report and Transunion is displaying inaccurate credit score. My credit score should display 700, also my report is showing negative delinquent account after disputing with XXXX over 15 times

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 2020-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I've tried to ask them how to get off there list and they just hang up. Some times they vulgar when I ask them. 

XXXX, caller I'd 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 2017-12-05
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
To Whom it may concern, This is a debt from a credit card from XXXX XXXX Nevada for {$2700.00}. This debt is in collection with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. On XX/XX/XXXX a Judgment was place for XXXX XXXX. 
I was notify on XX/XX/XXXX to attend court on XX/XX/XXXX The following information was provided by XXXX XXXX employee by phone number XXXX to me on XX/XX/XXXX and another employee by phone number XXXX on XX/XX/XXXX, for dates and after asking XXXX about statue of limitation XX/XX/XXXX she refuse to talk further. 
This credit card was open XX/XX/XXXX and was last paid on XX/XX/XXXX and went to collections XX/XX/XXXX. XXXX XXXX file suit and acquire a Judgments after breaking law against me on XX/XX/XXXX. 
The statue of limitations on this credit card debt has expired on XX/XX/XXXX. Effective on this date the debt is time-barred and debt collectors can no longer sue debtors over the unpaid debt. XXXX XXXX violated the federal Fair Debt Collection Practices Act ( FDCPA ) and the Utah Fair Debt Collection Practices Act by seeking a Judgments on XX/XX/XXXX and XXXX XXXX willfully failed by not adhering to the Utah Fair Debt Collection Practices Act 12-1-8 Designating and limiting activities as to assignments by failing to follow 12-1-8 at the direction of the assignor bring suit as assignee, provided however, that all accounts shall be within the statute of limitations as provided by law. 
Now 2 years later on this day to continue to seek payment for a expired statue of limitation credit card and after breaking laws to get a judgment and still after breaking the law by using this judgment to which should have never gotten. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07
Company: Convergent Resources, Inc.
State: NJ
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:
All last year I have disputed incorrect information placed on my XXXX  and XXXX  credit report. Convergent Outsourcing has placed themselves on my report as me owing a debt to XXXX  in the amount of {$1200.00} and stating that the account was opened inXX/XX/XXXX. XXXX  refuses to provide me with proof of debt validation and refuses to reinvestigate this false information. I have attached proof that my cell phone provider is not XXXX  but is XXXX/XXXX  whom I have been with since XX/XX/XXXX.

Company response to consumer: Closed with explanation