BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The credit card goes under the name " Care Credit '' and it offers deferred interest arrangements for medical-related expenses ( with participating providers ) as well as standard credit purchasing for all other items. 
On XX/XX/XXXX a purchase was processed for services from XXXX XXXX XXXX for the amount of {$1200.00}. They did not participate in Care Credit 's deferred interest program so it qualified as a standard credit card purchase. 
On XX/XX/XXXX a credit card payment for {$1200.00} was applied to the account. On XX/XX/XXXX the monthly minimum payment of {$310.00} was applied to the account. 
The concern is that Care Credit did not apply the {$1200.00} payment to the highest APR balance in the card. Out of the total balance on the card, only the charges from XXXX XXXX did not fall under a deferred interest plan. 
Care Credit invoices showed that after the {$1200.00} lump payment was processed on XX/XX/XXXX, the balance subject to interest charges was listed as {$1100.00} on the XX/XX/XXXX invoice ( up from {$0.00} on the XXXX invoice ) and it INCREASED to {$1100.00} in the XXXX invoice. The closest deferred interest balance to expire is until XX/XX/XXXX as of the XX/XX/XXXX invoice. Care Credit simply applied my lump payment to a deferred interest balance and is charging me compounding interest on something I paid off within XXXX weeks of purchase. 
When I tried to contact Care Credit, I was first given a generic answer that the charges were valid. When I tried to escalate, I was then informed that the account was placed on fraud alert and I could not ask further questions or dispute the interest charges unless I went through a thorough online vetting process. It feels like unnecessary inconvenience and retaliatory behavior for questioning their charges. Can you please help? 
Note : I requested a change to the monthly billing due date on the account. This change caused the XXXX Invoice to be rolled up into the XXXX invoice to adjust to the new billing period.

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 2022-11-24
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Waiting for this company to investigate why the payments that was sent to their mortgage payment address says it was cashed and not applied or sent to my new servicer!. Its been going on since XX/XX/2022. Need mortgage payments from XXXX and XXXX to be sent to XXXX asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From the onset of Roundpoint mortgage purchasing my loan there has been continued efforts on the company 's part to attempt to get me, the homeowner, to pay sooner than is required. There is a 15 day grace period on the loan. This is common practice and is stated on the mortgage statement. However, Roundpoint sends a letter each month on the XXXX or XXXX day of the month stating the mortgage is late, even though it is paid within the 15 days allowed. They also send the mortgage statement out prior to the final day to pay, which is the XXXX, and this bill suggests the mortgage is over due or late. So the bill which should state {$3400.00} instead says {$6800.00}. All these letters and statements are intentionally written to be deceptive. It also puts pressure on home owners to pay earlier than is required. This pressure is unfair to the consumers and if successful is a huge financial benefit to the company. This behavior is predatory, and unethical, if not illegal. In addition to pressuring homeowners to pay early, XXXX failed to pay the house insurance on time. This put the house at risk. I have never experienced such unethical behavior in a mortgage company. I have owned 7 houses, and currently own 3. I have never had such a problematic mortgage company. They should be investigated and sited for unfairly pressuring homeowners to pay early.

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 2022-11-30
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: NV
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:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX  Account No - XXXX XXXX. Past Due- {$3800.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX  XXXX XXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX 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 2023-08-07
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX XXXX XXXX & Ally Bank is in violation of Missouri Laws 408.140 & 15 U.S.C. 1605 ( a ) and the T.I.L.A. in that the price of my vehicle was inflated to give a larger compensation to the dealer and the bank by adding charges ( GAP, Easy Care, Administration Fee ) to the amount financed instead of the finance charge. This is a violation of Truth In Lending Act ( T.I.L.A. ) because Regulation Z prohibits creditors from compensating loan originators for anything other than the credit extended and for steering consumers to unfavorable options for the sake of higher compensation. Fraud involves a false representation of facts intentionally designed to provide the Perpetrator ( person aware of information ) with an unlawful gain or to deny a right to a victim ( person not aware of information ). XXXX XXXX XXXX XXXX & Ally Bank is in violation of 15 USC 6803 T.I.L.A. ( Truth In Lending Act ) in that full details of Ally Bank policy are not comprehensible to affiant with a clear format and design for clear and conspicuous disclosures of policies and practices.This action of Dealer and Bank Fraud has caused damages in my financial forecast and life considering the time and effort it takes to save a portion of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: NV
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:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX  Account No - XXXX XXXX. Past Due- {$3800.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXXXXXX XXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: CO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX XXXX {$1400.00} CLOSED ON XXXX, Account name : XXXX XXXX XXXXXXXX XXXX {$1600.00} CLOSED ON XXXX Account name : XXXX XXXXXXXX XXXX  {$4900.00} CLOSED ON XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 my check posted in my account and I went to log in and I couldnt access the account I was told I had to call and when I did I was told my account was close! I didnt get an email or a letter in the mail or anything it was just close. I asked why was my account closed and was told it was close due to abuse of the account. So I signed up for fraud protection as well as over draft protection and every other day I had money taken from my account or a over daft. I had things I had to keep fighting with them about like the service fees when I wasnt suppose to get charged as well and when something came out and I requested a block on the company they would allow it to keep going through and made me open a new case each time even tho it was for the same company! So I was just told it was closed down due to this I only called about 6 different things in two years. My money is still with the bank I keep calling trying to get my money from my check and everyone keeps telling me they cant help me this is stealing! And I want answers and my money this has never happened to me and should never happen to anyone else please stay away from Citi bank you will be sorry if you dont

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 2022-12-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX Balance - ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Phillips & Cohen Associates, Ltd.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have repeatedly ( 4 times ) informed the caller XXXX XXXX XXXX Cohen & assoc. that there is no outstanding debt to be paid since I settled it with the XXXX company. He has refused to follow up on this information and continues to harass me by telephone as he attempts to commit blatant fraud. This debt was paid in full to XXXX XXXX in XX/XX/23. I confirmed that the account was settled with no remaining outstanding balance owed in XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: OK
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account # XXXX, Account #  15 USC 1681 section 602 A states that I have the right to privacy. 

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any adverse adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years. 

15 USC 1681 s-2 ( a ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

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 2022-12-04
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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 also 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 un open end consumer credit plan as late for purpose

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 2022-11-30
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Made an Experian account and noticed alot of account that weren't authorized by me and looking to get the account listed removed from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Company in violations of consumer protection laws : Including fraudulent finance charges which were sold to Bridgcare Acceptance  from XXXX Truth in Lending Act ( TILA ) : This federal law requires creditors to make certain written disclosures concerning finance charges and related aspects of credit transactions and comply with other mandates 2.Fair Credit Reporting Act ( FCRA ) : This federal law regulates the collection, dissemination, and use of consumer credit information 3.Fair Debt Collection Practices Act ( FDCPA ) : This federal law prohibits debt collectors from using abusive, unfair, or deceptive practices when collecting debts 4.Consumer Financial Protection Act ( CFPA ) : This federal law prohibits unfair, deceptive, or abusive acts or practices by financial institutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-17
Company: EQUIFAX, INC.
State: PA
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:
THIS IS NOT A DUPLICATE REPORT! 

This is a complaint on the failure to add POSITIVE items that should be being reported. I have contacted the vendors, and they said that they are reporting each file to all three credit agencies. I have tried MULTIPLE times to have this error fixed! 
I have attached the files in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Ive sent in multiple letters all through certified mail, I Have sent in an Identity theft report stating those accounts are not mine I asked Transunion to send my original signature that they used to verify those accounts and have refused to do so. All they have done is used automated machines to tell me they have verified accounts and send me back letters. 

I Want those accounts off IMMEDIATELY. I Fully plan to seek monetary damages for all the distress this has caused to my life.

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 2023-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX - These accounts are inaccurate. The days late is inaccurate. Equifax is reporting different information than XXXX and XXXX. Since credit reporting agencies must correct or delete inaccurate, incomplete or unverifiable information, Equifax SHOULD NOT have different information than the other two credit reporting agencies. They said they have verified these accounts as accurate, so how is it that they have actually verified these accounts if they are still inaccurate? Furthermore, I have repeatedly asked for information regarding how they have verified my account and who they spoke to in order to obtain accurate verification. Equifax has failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont recognize the accounts in question.

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