BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-18
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX violated my XXXX rights by providing my actual medical information ( Person Health Information ) to a collection agency, AllianceOne ( in an attempt to collect a debt ) in which there was no previous SIGNED authorization to do so. This serious violation occurred on or around XX/XX/2017. 

In doing so, XXXX provided this information to a collection agency ( AllianceOne ) which included information not required to to collect a debt : -- " Detailed Summary '' of Patient Accounting -- Patient Number -- Medical Record Number -- Department ( i.e., Trauma, General Surgery ) -- ICD 9-CM Procedure Codes -- Pathology of Condition The information collected by the collection agency clearly was a GROSS and TORTIOUS effort to disregard my privacy and clearly violates my XXXX rights as well as FCRA and FDCPA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: Convergent Resources, Inc.
State: MA
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:
Had a debt with XXXX of MA that I paid in full prior to them sending it to collections. I got a collection letter from convergent outsourcing, a few weeks later in which I figured that it would get corrected from the gas co. I now notice that they are reporting to all XXXX credit reports as unpaid even after I called them. they are not correcting this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter on XX/XX/XXXXit was signed for on XX/XX/XXXX, requesting validation of debt owed, and my signature, or they needed to delete the debt from my credit reports. All they sent back that was dated on XX/XX/XXXX was a letter stating the debt was valid, and a statement that was dated back in XX/XX/XXXX/XX/XX/XXXX for the Seller- XXXX XXXX XXXX Merchant-XXXX XXXX. 
Since they also marked the account disputed and never sent me actual validation, and they can not prove this is my debt, this is a violation of the FCRA & FDCPA, so they must delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Firstsource Business Process Services, LLC
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to contact this company several times. I have spoken to several people and left voicemails with no return call or resolution. They are saying it for a debt I have for an old hospital bill with XXXX hospital. However, I have called XXXX directly and have been told I have or had no outstanding money due, and they do not know what the collection company is trying to collect. How do I have this removed from my credit report?

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 2015-05-01
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get a voicemail message that states, " by continuing to listen to this message you confirm that you are ( name ) .... then it gives a phone nmber to call. I tried calling a few times but ca n't afford to waste my minutes on hold. How is it that my voicemail " listening '' to a recorded message is a confirmation of my identity? How is this a legitimate " attempt to collect a debt ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit card
Issue: Billing statement

Complaint:
Noticed a fraudulent charge on my account on XXXX/XXXX/2015 for a charge on XXXX/XXXX/15 for an amount of {$260.00} thus increasing our monthly minimum amount. This minimum amount would not have increased if there was not this fraudulent charge, and now the credit card company Walmart will not reduce the difference of the minimum amount that is in arrears do this fraudulent charge. And now also wants to penalize us for the next six months of a higher minimum due to the supposed missed minimum payments made during XXXX and XXXX and XXXX which since we had not been using the credit card was unaware that the minimum payment amount had gone up. I want this minimum amount difference due to the fraud charges to be refunded. Because we were making the minimum payment. it only changed due to this fraudulent charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Other fee

Complaint:
I have a care credit care with synchrony bank. I have had this card for several years, with no problems. However on my last billing cycle I had an undeferred ( due in 25 days ) amount of {$110.00} charged on XX/XX/XXXX and a deferred amount for {$83.00} ( due to expire XX/XX/XXXX. I also was carrying a deferred interest charge ( due to expire XX/XX/XXXX ) of {$230.00}. I wanted to avoid interest so I paid {$190.00} on XX/XX/XXXX ( the underferred amount of {$110.00} plus the soon to expire {$83.00} ). When I received my statement for this current cycle there was a {$2.00} service fee and a balance of {$25.00} from the XX/XX/XXXX charge. I called the company on XX/XX/XXXX and asked why they did that as they had never misunderstood my intentions before. I was told I had to call and tell then to apply the payment to the undeferred amount. They said they had to follow federal guidelines and apply these amounts as they did. From what I can read on the Federal guidelines a company must allocate a payment in such a way as to minimize customer interest and fees. This is not what has happened. There was no reason to apply any of this payment to the {$230.00} amount as it was not due to expire for another 10 months. I find this reprehensible and an unfair practice as regards the consumer. I called the XXXX card people today ( who are also with Synchrony Financal ) and they told me I could not direct them to apply my payment to the undeferred part of that card until the payment posted so I would have to call them back. They could NOT put a note on my account indicating that was my intent with the payment I sent them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Synchrony Bank continues to lower my credit limits. They started doing this when I was going through issues with my mortgage lender. I have no late payments on any of my cards with them or any of my other credit cards. Now that my issue with my mortgage lender is resolved I also have no late payments with my mortgage lender. Despite this, my credit is ruined because I have multiple cards with Synchrony. Each card systematically gets reduced to the nearest {$100.00} increment above the current balance which makes the card maxed out. Even if I make a large payment, they lower the limit to just above the current balance and cite balance to available credit proportion as the reason. The reason that they created by lowering my limits!

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 2016-08-11
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Since Synchronicity bank replace XXXX XX/XX/2015 I have had nothing but problems in trying to pay my bill. The phone tree made it near impossible to reach automated payment service. The web site gave incomplete billing information, showing only payment and previous balance. That was then changed so that a customer now only gets the balance for any certain month. To review statements, additional registration is required. All of this is frustrating making it more difficult to pay the monthly charges. 

They punished me for making a large payments to reduce my balance. A payment was made on their website XXXX XXXX of this year a Wednesday, and though they said that it was using the wrong bank account number I got no error in processing it. I was never told that it was it was the wrong account number until after the due date XXXX XXXX, at which time I received harassing phone calls during the middle of the day when I was at work. And they were able to charge me a late fee. 

On XXXX XXXX, a Sunday they made a call listed as unknown, telling me to call the same number that they always call from, even though their call center was closed. At times when answering calls in the past from this number, the caller hangs up.

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 2015-08-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
My complaint is about a dental practice that pushed particular credit source funding for services with inflated service and credit costs and several improprieties that occurred in that process, and it is about the credit companies themselves and their predatory nature in offering credit to someone with a terrible credit rating. As a consumer, I was lied to, pressured, and inadvertently trapped into a horrible debt situation that I had stated repeatedly that I could not take on and did not want to take on. I gave in to pressure that should never have been applied and made bad decisions based on dishonest information given to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Delinquent account

Complaint:
Synchrony Bank created XXXX account numbers reporting negative information to credit bureaus XXXX, XXXX and XXXX. I only had XXXX account with them. However, they opened XXXX account numbers as if I had XXXX with them creating double billing which is affecting all of my credit reports.

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 2016-07-22
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Issue: Transaction issue

Complaint:
I discovered fraud charges on my account and are appalled that PayPal would let this charges through and did n't even notify me of this fraud use of my 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 non-monetary relief
Consumer complaint received 2020-04-17
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter for XXXX XXXX XXXX at XXXX, located in XXXX Wisconsin. They were notifying me of a debt owed to discover student loans. I am disputing the amount and want to request more information but they have not returned any of my phone calls/voicemails. I did some research on the company and they have been a part of several lawsuits for deceptive practices and trying to revive old debts. Clearly they are a shady company and this is ridiculous they are allowed to handle this. I can not afford the debt amount and will need to work with someone to make an arrangement that works for me, however they refuse to answer me and they are doing it on purpose so the 30 days runs out. They write this is an attempt to amicably resolve the debt but its not because they are not responsive. These companies are snakes and look to hurt people. I want this removed as a debt and this better not make it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
synchrony bank previously GE Bank have several accounts under my name wen I got XXXX thi banking intitution cancel all my card protection program not to mention they close All my credit card in good standing just because I I 'm XXXX thi is a direct violation not only to CFRA BUT MY AMERICAN XXXX ACT I NEED THE CFPB TO INVESTIGATE ALL ILLEGAL PRACTICE FROM synchrony bank TO SEE HOW MANY OTHE XXXX CONSUMERS HAS GONE TRUE THE SAME VIOLATION

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 2016-12-05
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Late fee

Complaint:
My credit card issuer, Synchrony Bank, assessed my account with a late payment fee of {$37.00} on XXXX XXXX, 2016 that was a direct result of their online payment system being unavailable to access requests from XXXX and Customer Care Agent in providing incorrect payment processing information. In speaking with their technical support services staff on the payment due date of XXXX XXXX about the issue they informed me that they were not able to provide an alternative and advised me to contact the Sychrony Bank Customer Service line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. I followed up with a phone call to process a payment over the phone and unknown to me at the time the payment was processed for another unrelated Synchrony Account. In following up on XXXX XXXX I called into their service center where an agent informed me that because of my " account type '' they were not authorized to reverse any fees - despite the origination of the issues I had being with Synchrony Bank. I escalated the phone call and asked to speak with an Account Manager who was inflexible about the position and insisted, in our approximately 30 minute phone call, that I held ultimate responsibility for their error.

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 2017-01-13
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting for XXXX bank on my credit report and I was avictim of identity theft and proven by the police. they are also reporting me as a authorized user to an account I never had with XXXX. The account shows me as an authorized user. I have never given anyone permission to add me as a authorized user. They nor Equifax has any written proof. This is a outright VIOLATION OF SECTION 609 AND 611A OF THE FCRA. EQUIFAX IS ALSO REPORTING THIS TWICE ON MY FILE! ILLEGAL

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My credit was repaired, I have a fraud alert and now myscore will not appear. It states I have no credit when in 2013reported a XXXX credit score. unable to get a clear answerfrom the credit bureau. SS said I can get a new SS #. 
I have also gotten married XXXX/XXXX/2013 new last name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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:
I am submitting this complaint in regards to two accounts XXXX Bank and XXXX XXXX XXXX XXXX that I demand be removed from my credit report. I have submitted an FTC report ( number XXXX ) on XX/XX/2021 with my driver license and social security card to Equifax and they have not removed these two accounts. According to 15 USC 1681 b a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not provided written consent to have these accounts on my credit report no consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
On XXXX/XXXX/16 I attempted to temporarily lift a credit freeze online with Equifax. The cost of this was {$10.00}. Equifax debited my account a total of 22 times for a cost of {$220.00} and the creditor XXXX XXXX XXXX was never able to view my credit report. When I called Equifax on Monday, XXXX/XXXX/16 I was told the pending charges on my account would not go through. Today, XXXX/XXXX/16 there were XXXX individual transactions to my account for {$10.00} each totaling {$220.00}. I called Equifax and spoke to an manager, who refused to provide her name and only an employee number of # XXXX. She informed me that the department that could issue me a refund " does not take calls ''. The employee that I spoke to previously provided the information that they would not be able to refund my account for ten days. In short, Equifax has stolen {$220.00} from me and is holding on to that money with the excuse of some kind of process that prevents them from returning it. This is theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I called exquifax on XXXX. XXXX, at XXXX time. to request for my credit score. Equifax refused to provide me any information I 'm entitled to access under the Fair Credit Reporting Act. I told the representative I 'm willing to provide a copy of my XXXX driver 's license, Passport, XXXX, Bank Statement and credit card statement, they still refused to provide me my credit report & score because I do not have SSN and I 'm not able to get XXXX. ( XXXX refused to issue me XXXX because of im on student XXXX and not allowed to work ) The Fair Credit Reporting Act states that I have the right to obtain my credit report and score, and it does not require a social security number. Name, address, date of birth is sufficient to locate credit profile ( XXXX provided my credit profile through those information ). Passport and Driver 's license should be sufficient to prove my identity. ( Sufficient for XXXX to prove my identity )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I had the " Equifax Credit Watch Silver with Credit Report Control ''. Product from Equifax. Now there was a feature in that product called " credit control lock '' which allows the customer to lock and unlock the credit report. I have never turned that feature on, but my credit report had the lock on it. it 's been couple months that I tried to get the lock removed and hours of phone calls with several department within equifax. No luck in getting it resolved. Still today my credit report is locked and when I apply for credit I get declined because its locked. 
I need them to please fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed to items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I did a dispute with all XXXX reporting agencies. It has been well over 30 days with no contact from anyone. I know that with the fair credit reporting act, that if no contact is made within 30 days, then those items must be removed from my credit report immediately! I have also filed a complaint with the XXXX. I want these items taken off my credit report ASAP as it is affecting my ability of getting a mortgage. Please can you help me as no one else seems to want to help! I want this false information taken off! 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a letter to you disputing a collection account as erroneous on XXXX XXXX, XXXX and mailed them certified, return receipt requested. I received notice in the mail that Equifax received the dispute letter on XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX and I have not received a response from Equifax on the removal or status. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to investigate disputes. If they can not verify the information within the 30-day time period, they must delete all of the disputed accounts from my report. Failure to do so can result in a {$1000.00} fine per undeleted item. 

I 've filed a previous complaint with the Consumer Financial Protection Bureau ( Case # XXXX ) against Equifax and the XXXX XXXX XXXX for reporting and collecting an unverified debt that is also violating Federal and State Laws. The Mississippi Statue of limitations on this alleged debt has expired as of XXXX XXXX and is no longer a collectable debt and reporting a zombie debt is in violation of the FCRA. 

Equifax , CBA and CFBB have failed to resolve this issue and now in violation of the FCRA. 

I would like to see a response on this and the issue resolved quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
please find attached the documents and my dispute letter for XXXX of my XXXX accounts, these accounts have never been late and never been delinquent. i have disputed few times with XXXX major credit bureaus but not been successful, also have written letters to the creditor as well, still no resolution. 
please help me to remove these late. negatives from my records. 
thank you

Company response to consumer: Closed with explanation