BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-30
Company: Stellar Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2014 I cancelled services with XXXX XXXX and received Confirmation numbers. After services were cancelled XXXX XXXX sent me a collections notice. I contacted them, attempting to reference the confirmation numbers they had given me. The collections officer said the confirmation numbers were useless and that I owed money. Long story short I paid. Now, 3 years later, they have turned me over to collections for a modem I returned. I called the collection agency who referred me back to XXXX XXXX. XXXX XXXX confirmed that the modem was returned and assured me steps were being taken to resolve the collection agency notice. 
I want this company held accountable for their oversights. What good are confirmation numbers if they say they do n't matter? These amounts they hit you for are small enough that it appears they are fraudulently trying to make you tap out to not hurt your credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: MINNESOTA LIFE INSURANCE CO., THE
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have a consumer loan that was past due, they sent a intenet to garnish to my job, I have sent a letter to them revoking the voluntary wage Assignment that they are not honoring, in addition to the fact they have sent the loan to an attorney

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 # XXXX, 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 {$480.00}

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 2021-10-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I want to request the removal of any and all security freeze and fraud alerts from my credit file. I was trying to apply for an account today from XXXX and I was told that a security alert of the freeze was still on my credit file.

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 2021-10-25
Company: Professional Finance Company, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I paid {$100.00} to XXXX XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX I received a collection notice from collection company in XXXX. I advised the company that the debt was paid provided a company receipt. Paid the date of service. 
In XXXX of XXXX, I was contact by second collections company on amount due supposedly due. ( {$100.00} ). I called the agent, and they said that my XXXX dollar payment was for something else. I advised that had not received any billing for additional charges since th4e date of service I sent them a copy of my receipt of payment. I Had my attorney to send a letter requesting proof of debt or debt clearance. 
No information was ever received. Contacting service provider directly to try and clear. 


Professional Finance Co XXXX XXXX XXXX XXXX., XXXX XXXX # XXXX XXXX, CO XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is about paypal credit. I opened the account because I got an email offer but it wont let me buy anything with it and PayPal doesnt have the best customer service so I would like to request something be done about it. Thank you

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 2015-10-13
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Bull City Financial falsely reported XXXX medical collections under my name with all XXXX major credit reporting agencies. I am neither the patient nor the guarantor on either account, which has been verified by Bull City and the original creditor. I have filed disputes with the credit reporting agencies, but Bull City is ignoring the disputes. Despite repeated requests, Bull City has refused to delete this reporting from all XXXX agencies. They are knowingly and illegally causing a malicious and adverse effect on my credit score.

Company response to consumer: Closed
Consumer complaint received 2016-05-20
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has been putting things on my credit report that I do not owe for. Originally my debt was sent to another company. I paid XXXX originally back in XXXX of 2016. Now they have sent this to another company. In all this has cost me nearly XXXX point on my XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I sent your company my dispute on XX/XX/2021, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

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 2015-11-19
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Other fee

Complaint:
Some of my credit card issuers are trying to charge a minimum interest of {$2.00} even when my balance is paid in full each billing cycle. Others are charging it in lieu of the actual accrued interest, which is less than {$2.00}. I complained and was told that congress authorized them to steal my money in this way through the credit card reform act. Obviously, this is problematic. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26
Company: BANCO POPULAR DE PUERTO RICO
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The annual fee of {$140.00} posted to my account on the XXXX statment. I called the bank just before the due date to pay and requested to close my account. I asked to have the annual fee reimbursed, which in my understanding is the procedure that the bank is legally required to do. The representative on the phone said they would not do it because they had instituted a new policy that they don't do it. 

I just now on XX/XX/XXXX received my XXXX statement dated XX/XX/XXXX. I am not sure how it took so long to arrive but I assume they did not send it untial recently. That statement indicates an interest charge of {$1.00}. 

I have logged into the Banco Popular website and downloaded my XXXX statement, dated XX/XX/XXXX. This has not arrived in my mail. This statement indicates a past due charge of {$29.00} and additional interest of {$1.00}. The total due is now {$180.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26
Company: ACIMA CREDIT, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased two pieces of furniture a bed and a side table from XXXX XXXX located at XXXX XXXX XXXX XXXX, CO XXXX ~ phone number XXXX XXXX. 
They offered a system of financing through ACIMA. The total amount for the financing upon XXXX XXXX was {$360.00}, however, ACIMA is saying it is a difference upon them is {$400.00}. I agreed to the financing and to do it in three equal payment installments a month deducted twice a month from my bank account and or DC. This remains between a 90n period to not incurred in interest after this time. 
When I talked to ACIMA we discussed these terms and ACIMA agreed to collect funds and send a proper warning about deadlines payments. 
I reviewed my bank statements and noticed that ACIMA has not collected the entire full amount of XXXX by XXXX, instead they in the last month of the 90 day they only collected XXXX. The current amount showing it was taken from my account was XX/XX/1940, XX/XX/120, XX/XX/XXXX XXXX and XX/XX/100 XX/XX/XXXX XXXX A total of XXXX remaining bce of XXXX. 
This company ACIMA did not take the funds from my account as agreed either they sent any warmings of upcoming payments and deadlines. They instead deceived me by not taking the last full payment and now out of a balance of XXXX they increased that balance with interest to {$560.00} alleging that I owe that money, when I paid 95 percent of the total amount financed. This is an increase of over 1200 percent. This is not only predatory but an scam. 
Please I need help investigating the fraudulent business practices of these companies. The phone call recordings I had with ACIMA about payment terms should be in their database. 
The contract number with ACIMA I was tol is XXXX Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Target, has provided incorrect information on my credit report and the payment system that they used inadequately had problems processing my payments and the money was in my account each time. I want the adverse account information removed from my account. It was their fault for the lateness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I submitted a form requesting from all XXXX major credit bureaus a copy of my free annual credit report. I received a response from Experian telling me that I have already received my free annual credit report. They are trying to count a free credit report as one in which you are decline for credit and request it as the annual free 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 non-monetary relief
Consumer complaint received 2021-10-26
Company: HYUNDAI CAPITAL AMERICA
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
i was in a XXXX XXXX XXXX XXXX and i had got ot the hospital. my insurance lapsed while i was in there. they didt have insurance so i was stuck with the bill.

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 2015-11-15
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Rewards

Complaint:
I have a Citibank MasterCard. I earn " Dividend Dollars '' ( " Cash Rewards '' ) for card usage. 
1 ) My XXXX monthly statement showed a Cash Rewards balance of {$95.00} ) As I did not use the card for sometime, no monthly statements were issued. 
3 ) My XXXX statement showed the balance to be {$49.00} ) I tried to find when and how my money was " eaten up. '' No help. 
5 ) I requested Citi to generate statements for some intermediate months. They did. But, these statements display no information on Cash Rewards balances. 
6 ) I called up a customer service rep. She was very helpful. But she could find no info on the missing money. She filed in a request. But I never got any money back. 
7 ) I told her about my unsuccessful efforts at writing a complaint letter to the customer service via secured email ( a standard feature that my other financial products companies offer ). She said that my account had no such feature ( she acknowledged that this was highly unusual ). 
8 ) Website informs ( please see screenshot ) Cash rewards you 've earned since being a Citi cardmember $ XXXXXXXXCash rewards you 've redeemed since being a Citi cardmember {$330.00} ) Currently, I have a balance of {$50.00}. So, the rest ( XXXX - XXXX - XXXX ) = {$56.00} was " eaten up '' by the bank. No trace! Request for info and efforts to get the money back meet stonewalling. 
10 ) Citibank recently paid fines to the Federal govt for bad practices. They do not seem to have learned their lessons. Cheating customers of their legitimate money seems to be their practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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 disputed my XXXX XXXX  delinquent account status. I called XXXX XXXX  and they said they did not report as delinquent and that I am in fact NOT DELINQUENT! The transition said that it came back reporting the same thing! I want this cleared up ASAP!

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 2022-08-03
Company: Experian Information Solutions Inc.
State: NC
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 # XXXX, 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 a account without my written instructions Name of company : XXXX XXXX XXXX account # XXXX Name of company : XXXX XXXX XXXX account # XXXX Name of company : XXXX XXXX account # 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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX Balance Owed : {$460.00}

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 2021-10-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had three accounts with Synchrony Bank ( CareCredit, XXXX XXXX, and Amazon ), two if which had a {$0.00} balance. In the month of XX/XX/XXXX, they closed my accounts without any notice, and only one letter for one account with an explanation of 'payment ' issue ( which were not an issue ). I reached out to each to each company for an explanation as to why the accounts were closed. The result was that they pulled my credit and stated ; a lack of real estate secured loan information, too many revolving accounts with high balance compared to credit limit, too many bank cards with high balance compared to credit limit, unpaid collections, and number of inquiries was a factor in determining score. I have kept a very watchful eye on my credit reports and these factors stated weren't relevant at the time of their assessment. My scores have dropped by over 100 points with each bureau because my available credit limit decreased, there were derogatory remarks about accounts closures, and my overall debt to available balance increased. I also had an account with them closed in XXXX ( Mattress Firm ), I was previously assuming due to inactivity. I will be cautious in the future to make sure that I do not open any lines of credit with Synchrony anymore. Their company structure isn't consumer friendly unless you're consistently indebted to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
Over the course of 11 years a lot has happened between the pressures of  XXXX   XXXX  pushing to finance my education when I had the money to pay outright at the time,  XXXX   XXXX  taking over my loans and Navient continuing to service them. My complaint is about the incorrect and ruinous suggestion from  XXXX  Mae/Navient 10 years ago to consolidate my loans. What was done could not be undone. My private loan increased from a few small increments t o one large one an d my interest rate skyrocketed with it to over 19 %. No one at   XXXX   XXXX   told me they would do this, no one atNavient can do anything about it. In 10 years I have not made a dent in my initial balance, at this point I wholeheartedly believe that going to college was the worst decision of my life. I beg friends, family and colleagues not to go at all or not to finance. I tell them my story and luckily, so far, no one I know is financing their education. Those of us who were   XXXX   XXXX   by the Triad of deception,  XXXX   XXXX ,  XXXX  and Navient, are for the most part completely stuck. Stuck with an useless unaccredited education and a lifetime of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, 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:
I did not consent to, authorize, nor benefit from any of the following inquiries or accounts. This is a violation of 15 USC 1681b ( a ) ( 4 ) right to privacy and 15USC 1681b ( f ) reporting inquires without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove these following items immediately : XXXX XXXX - {$1000.00} - XX/XX/XXXX, XXXX XXXX  XXXX, XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian Fraud Statment : I am a victim of identity and I have some fraudulent items on my credit report that dont belong to me. I dont recognize them, nor did I authorize them. I ask Experian to Follow the fraud guidelines and delete and block the following information on my credit report : XXXX and XXXX XXXX XXXX and they have failed to do so.

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