BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied for a new Care Credit/Synchrony Bank credit card on XX/XX/2016. I applied on the phone, in the XXXX and was approved for {$11000.00} ( exact amount of XXXX work ). I was told I would be receiving the paperwork and bill in the mail. I received the paperwork and 1st bill in late XXXX which showed I was charged an interest charge of {$81.00}. I called their XXXX # and asked why I was charge interest on a bill I had not yet received. I had just opened the account and before I received any paperwork, they charge me interest. Plus, I looked at my credit score information and it showed this account to be over it 's limit - before I ever received a bill. I was told by the XXXX # that, 'it 's unfortunate that the {$81.00} was n't paid by the due date. ' And, 'Just because it 's on a credit site, we did n't indicate it as a negative comment on your account '.

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 2015-09-11
Company: EOS Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was done XX/XX/XXXX, on or about XX/XX/XXXX I was contacted by XXXX about the account that was delinquent via a letter. I contacted the office and send in to then the documents that I did not have an account with them that I was with XXXX wireless. The company at that time stated that my name was used to open an account, I at that time requested that information used to verified my identity and was not giving any documents. Later in XX/XX/XXXX XXXX sold the account to a collection agency, I also send to them the a copy of the police report with the identity theft information the credit company at that time removed this information from the record. I recently order a copy of the credit record and there is information there from this company EOS, collection. This company as recent as XXXX purchased this account and is reporting information that is false and incorrect. The company has very wrongful information on the record. Information that is relative important in order to properly identified me. Such as the DOB, Mailing address, when I request this information from them they refuse to provided me with the request. I have requested that they send me the documents used to obtain this account, name used, dob, and address. also prove that I owed this money XXXX. I have not yet received any information, instead I have been receiving phone call since know they have my phone number. I have contacted XXXX and there is no record of such account number, nor there are any records of any phone call ever made. There are no bills. So I ask why is this collection agency harassing me for monies that I do not owed..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Colony Brands, Inc.
State: CA
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 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection was allegedly purchased by Midland Funding. On XX/XX/XXXX, {$1200.00} collection was removed from credit file after dispute through credit bureau. Received letter in mail dated XX/XX/XXXX in an attempt to collect {$1900.00} with monthly payments. XXXX online requests have been made to Midland since letter with ZERO response!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Exeter Finance Corp.
State: TX
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:
XXXX XXXX ran my credit with several banks on XXXX. EXETER financial will not take the hard inquiry off my credit report, I sent the letter from XXXX XXXX to them showing that they were not suppose to run my credit, they did not have authorization to do this. Exeter financial sent me the letter attached and told me to contact the dealership, I already have, the dealership wrote a letter and said to send it to exeter financial and the other banks. They wont take it off and I have proof they need to. This is unacceptable and fraud at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act my bankruptcies case numbers XXXX, XXXX, XXXX has been violated. I applied for auto credit, without my knowledge numerous companies ran my credit without my permission 15 U.S.C. 1681SECTION 602 A states I have the right to privacy U.S.C. 1681 SECTION 2 It also states a Consumer reporting agency can not furnish an account without my written instructions.

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 2017-01-30
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Using a debit or ATM card

Complaint:
I was cashing a personal check from my nephew in his Regions bank. The bank officer called my nephew to verify ( unusual ) and had to wait 20 minutes for him to respond. The bank officer then took me to the teller at which time after giving them my license and being finger printed and signing check, they stated there is a {$20.00} fee to cash a check at their bank. The could not produce the fee structure nor could they produce a receipt showing where the {$20.00} fee was deducted. I believe they are stealing from unsuspecting people. 
I want the {$20.00} " fee '' returned.

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 2015-04-03
Company: EOS Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a {$730.00} balance through XXXX XXXX XXXX XXXX that XXXX XXXX XXXX claims to have no knowledge of. They keep asking about services I have never had through XXXX XXXX XXXX and there is no number relating back to my name or social. XXXX ( XXXX XXXX ) is the creditor and I keep receiving mail from them about this anonymous debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I paid on my car loan for XXXX years on time. I lost my job and I communicated that to the lender of my car loan. They were not willing to work with me so my car was repossessed. I was expected to pay the balance of the loan and not the missed payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: FL
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 name is XXXX XXXX. On XX/XX/XXXX of XXXX I was reviewing my credit report, right on my birthday, as I wanted to open a business checking account, and my XXXX XXXX was showing XXXX and XXXX scores XXXX and XXXX points accordingly. I will attach pictures of those scores as of XX/XX/XXXX. Next, I went and checked my experian score and it was XXXX points I have noticed that there is an account reporting ( XXXX  XXXX XXXX XXXX ) ( Account # XXXX ) ( open date : XX/XX/XXXX ). I have no knowledge of this account and its negatively affecting my credit rating. This account is CLOSED and it is only reporting on Experian, as of XX/XX/XXXX. I have no knowledge of this account and there are several errors and incorrect information. There is no complete payment history reported and its NOT matching across the XXXX bureaus. I have asked Experian to investigate on this error and it has been over 60 days and nothing was updated. The open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
In accordance with the Fair Credit Reporting act, this XXXX XXXX XXXX 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.

I have never given any authorization for this account to be reported on my Experian credit report.

Attached are all the supporting documents from credit bureaus, and FTC identity theft 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 2022-05-24
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: MA
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 submitted my complaint, police report and identity theft report from the FTC ( Federal Trade Commission ). Today I'm submitting a new complaint specifically because I made an FTC ( Federal Trade Commission ) Identify Theft Report today XX/XX/2021. I've mailed a copy of the identity theft report to XXXX and Experian today along with a copy of my passport and social security card. I had mailed a copy pf the police report last week so I figured I didnt need to re-upload it to this new complaint. I figured it would be efficient to also notify XXXX XXXX XXXX XXXX XXXX ) of my FTC Identify Theft Report. I've attached a copy of my Identity Theft Report to this complaint. There is an account called DEPT OF EDXXXX that is being reported under my name to the credit bureaus and the balance appears to be {$41000.00}. What makes this account very suspicious is that it is being reported as Pay as agreed even though I do not pay this account and I do not even know what it is. This account should be removed from my credit report because that isnt my loan. Also why is it being reported as pay as agreed If I dont pay that account or know what it is?

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 2015-10-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other

Complaint:
1. ) I purchased a guitar on XXXX XXXX, 2015, from Guitar Center. I accepted the company 's offer of 0.0 % interest offered by XXXX XXXX if the credit is paid off within 24 months and all payments are made on time. 

2. ) I did my due diligence, went online, and set up automatic withdrawals from my checking account for {$60.00} per month ( this is higher than the minimum amount required ) payable to " hrsaccount '', held by XXXX XXXX. 

3. ) I received a monthly email reminding me that my payment would be due on the XXXX of the following month. Payments were deducted and all was well. 

4. ) On XXXX XXXX, 2015, I received my latest email reminder reminding me that my account " ending in XXXX '' was due on XXXX XXXX, 2015. This was usual and customary and did not require any additional action on my part, given that I had set up automatic payments already with no problems. 

5. ) On XXXX XXXX, 2015 I received a NEW credit card in the mail from Synchrony Bank with a Guitar Center logo on the front. I have never heard of this bank and did not request the card. 

6. ) On XXXX XXXX, 2015, immediately after opening my mail with the new credit card in it, I went online to XXXX ( my link to the Guitar Center credit card ), looked up my account, and was informed it could not be found. I was redirected to " XXXX XXXX Financial Corporation '' and read that as of XXXX XXXX - no year listed - my XXXX XXXX balance had been transferred to Synchrony Bank and I had to contact Synchrony to set up my next payment. 

7. ) Now, XXXX XXXX, 2015, is four days past my original due date for payment. Note again, that I received an email XXXX XXXX, 2015 that listed my OLD credit card number reminding me to pay ( see item # 4, above ). 

8. ) Negative anticipation : I believe that Synchrony Bank will now deem my account delinquent, because the automatic payment has been cancelled by XXXX/Synchrony Bank without my knowledge, consent, or notification, either written or electronic. Again, this is an interest-free account as long as all payments are received on time. 

9. ) I am attempting to contact Synchrony Bank again tomorrow ( unable to get a reply today ). 

10. ) I am writing to you IMMEDIATELY to make sure that Synchrony Bank does not take advantage of me because of THEIR lapse in notifying me of the above listed changes. I am not sure if this is some sort of intentional " bait and switch '' tactic but it certainly seems possible, given the profit to them and the repercussions to me. 

11. ) I have a documented XXXX and Synchrony Bank 's uncorrected error would be a REAL hardship for me financially ; what is NOT a hardship is the fact that, since I 've lost my working hours due to failing health, I have as much time as it takes to make sure I am not taken advantage of by Synchrony Bank. I am positive justice will be served here because anything else is unacceptable to me and would be to anyone in my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have repeatedly had issues with initiating disputes over the phone and in writing via mail to XXXX XXXX. The representatives after verifying my identity, and fraud alert that's in place will not process my inquiry disputes and constantly are giving loopholes that discouraging and complicated. The FCRA gives consumers the right to dispute inaccuracies on their report and dispute inquiries that are done without the consumers consent. Following that, I submitted in writing in XX/XX/2022, account disputes accompanied with copies of proof of identity and address, signed with my legal signature. XXXX refused to process the disputes in writing. Following XX/XX/2022, XXXX sent a generic letter that did not adequately explain why my dispute was not processed. So, I called and spoke with XXXX XXXX in special handling department, and she confirmed the dispute was not processed. She told me that they would not access my documents to process the disputes and even after she verified my identity, the dispute was not initiated as I requested. On XX/XX/2022, I contacted legal counsel and had a document mailed to XXXX making another request to initiate my dispute. On XX/XX/XXXX, I received a notice of the dispute results and as a result the disputes, XXXX re-aged the accounts, where my delinquencies were showing updated as of the date they were disputed. This is unfair! The date updated should be when the creditor initially reported the derogatory information. The new date would delay the account falling off my credit report in 7-10 years by law. XXXX is very deceptive in its business practices, which is a violation of my consumer rights and the FCRA. 

I also have had negative experience with Equifax as well. This company never sent updated results of my credit disputes after the investigation was concluded and they re-aged my credit accounts as mentioned above whenever I dispute them. The date updated should be when the creditor initially reported the derogatory information. The new date would delay the account falling off my credit report in 7-10 years by law. Equifax is very deceptive in its business practices, which is a violation of my consumer rights and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX of XXXX I received a letter from Afni a debt collector stating that I owed a a balance of XXXX on an account from XXXX dated XXXX/XXXX/XXXX. I requested more information about this alleged account as it is not mine and was not authorized by me. I also have had fraud alert placed on my credit reports for Identity Theft that took place in XXXX and subsequent accounts being made in my name that were a result of this Identity Theft. On XXXX XXXX I received a letter from Afni with a bill attached for this account # XXXX stating that this bill was an account validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My original mortgage was with XXXX Mortgage so I had no choice in the use of Green Tree Servicing LLC. The house that was being serviced by GTMS was sold and the closing date was originally set for XXXX/XXXX/2015. I was told by the title company not to make my XXXX payment as this would alter the HUD. The closing was moved to XXXX/XXXX/2015 however as the payoff was being sent via ACH it would reach GTMS prior to the Late phase. I received an unfriendly call from XXXX at GTMS on XXXX/XXXX/2015 indicating I needed to call right away. I did so however of course no XXXX was available so I spoke with XXXX. I explained to XXXX that the closing had happened and the funds from the proceeds for me were posted to my account so I was certain Green Tree had theirs as well. She insisted they did not and indicated that the only way to prevent reporting a late payment ( never been late in the over 20 years ) was to give them my payment information and if they did not receive the pay off by Monday XXXX/XXXX/2015 they would secure a payment. She assured me that if they did they would not. I reviewed the on line account on XXXX/XXXX/2015 and the account was closed and indicated as paid in full so I knew the payoff was received. I called on Friday XXXX/XXXX/2015 simply to make sure. The representative I spoke with rudely told me she could n't help me because there was nothing for her to look up as the account was not active. Okay so no payment should draft on Monday if no account is open. Guess that is not true as GTMS took the over {$1200.00} plus a {$12.00} fee on Monday XXXX/XXXX/2015. I immediately called and was of course given the run around and the hummm not sure why that happened. I was told it would be reversed right away and XXXX took my checking account and routing information to make this happen. I waited a week before calling back only to be told that the funds were in a " no where to post '' account and it would be 30 days prior to their release. Makes no sense. The rep kept saying that they could n't refund money from a closed account well they sure could take it to a closed account. She transferred me to a " supervisor ''. I received said supervisors voicemail and three days later am still waiting for a return call. 
Not appreciative that my money is sitting somewhere unknown to me and that I have no way to get it back. Bad Bad Bad business practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I made a payment on my XXXX XXXX XXXX on Friday XX/XX/2020 at XXXX XXXX  with my debit card. XXXX XXXX failed to post my payment based on their terms and conditions. My statement closed at midnight XX/XX/2020 but because XXXX XXXX failed to correctly post my payment they incorrectly reported a statement closing balance as {$400.00}. I spoke with a supervisor at XXXX XXXX by the name of XXXX agent ID XXXX. She pretty much said XXXX XXXX terms about posting payments are incorrect and the cut off time is XXXX CST. I informed her that is un-ethical to provide mis-leading terms and conditions. She failed to help me and said it is what it is. Wasnt apologetic at all. No customer service skills what so ever. Not quite sure how shes a supervisor. Very disappointed in the way she was speaking to me. She also refused a manager, told me she doesnt know their schedule and failed at informing me how I can speak to a manager. XXXX XXXX XXXX reported this incorrect balance on my credit file, which made my XXXX XXXX score decrease significantly. I was in the process of doing a redetermination for a loan. I was denied the loan specifically because my XXXX  XXXX XXXX score decreased due to XXXX XXXX reporting inaccuracies.

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