BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased furniture in XX/XX/XXXX & XX/XX/XXXX from XXXX XXXX ( where the loan originated ) in XXXX XXXX, FL, both with affiliate bank loan agreements ( Synchrony Bank ). Together the loans totaled {$2200.00}. The first loan was supposed to be interest-free for 5 years if the minimum payment was made. The second loan had to be paid off entirely in 6 months. We made minimal monthly payments on both loans of {$85.00} per month total ( they combined the 2 loans into one account without our knowledge ). We were NOT made aware the loans were tied together. If loan 2 were not paid entirely in 6 months time, we would be paying off confiscatory interest at the rate of 29.99 % from day one on loan 2 (  only ). However, our minimal monthly payment was applied to the interest on loan 2, and the principal of loan 1, without our knowledge. Clearly the intent was to trap the borrower into being stuck paying interest on two loans since they were tied into one account together without my knowledge. That means 40 % of our monthly payment of {$83.00} is for interest only. We have been paying that interest every month since XX/XX/XXXX until today and for the duration of the loan. This increases the loan payoff period These are deceptive loan practices because they tied them together without our knowledge and the loan rates of 30 % is unconscionable ( usury ). As of XX/XX/XXXX Synchrony ( XXXX ) says we owe another {$790.00} in interest and {$1700.00} in principle, even if we pay it off entirely. If it is not paid off in total today we will have over {$3000.00} of additional in interest. That is much higher than the original principal alone. Acct No. XXXX XXXX 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 monetary relief
Consumer complaint received 2020-01-14
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Good evening, Consumer Financial Protection Bureau. I kindly pray you are blessed today. I am in need of assistance regarding issues concerning unexpected fees. After the first payment was made, there were funds that were partially to be utilized for important things, e.g. food. The balanced was counted ; it appears as if the company waited until the first payment was made to assess fees. As a result to this, there were decline fees that were unexpectedly assessed. This had brought to an inconvenience. There have been other inconvenience fees that had taken place with the transactions. I am communicating via CFPB because it costs {$1.00} to communicate as a peacemaker. Also, I have recently been in the hospital. I am please kindly seeking for the Consumer Financial Protection Bureau to process this respectful complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: MI
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:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account XXXX : XXXX. Account XXXX : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX. Account XXXX : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX. Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Account Name : XXXX XXXX XXXX. Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX  Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account XXXX : XXXX XXXX. Account XXXX : Please investigate if every piece of information is correct. If not, please remove it from my credit report I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

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 2020-01-14
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: Account status incorrect

Complaint:
XXXX  reporting on my file XXXX XXXX XXXX delete currently on lettigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: MI
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:
Equifax needs to fix the issues about the inaccurate information for the unauthorized inquiry reported in my Credit Report. They failed to organize a proper investigation to confirm this account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiry I am disputing : XXXX XXXX SVC Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for XXXX in XXXX and submitted the XXXX to do a short sale. The servicer SLS issued an approval good for 120 days. I did not have a buyer and switched to do a loan modification. The modification was declined. I recently listed my home in XXXX and have found a buyer. SLS will not allow me to participate in XXXX anymore and said that it had expired back in XXXX. They said they only allow the homeowner 's a one time courtesy to participate in the XXXX program. I need help with relocation assistance because I was unemployed for some time and that was the cause of my mortgage delinquency. I have requested them to provide me the investor information and contact info, but SLS will not provide the contact phone number, only the name, which is XXXX XXXX. I do not understand why SLS is saying no, as the investor also gets reimbursed and paid money from the XXXX program. They are not willing to make any exceptions. 
I currently have a buyer who also is willing to pay for the XXXX delinquency dues of $ XXXX. The short sale has been over 30 days now and submitted to SLS. I do not know how long the buyer is willing to wait. I have already received the Notice of Default on XXXX/XXXX/16 and if the buyer walks, the investor can proceed with filing a Notice of Trustees sale and the property be foreclosed if I ca n't find another buyer that is willing to pay an additional $ XXXX out of their pocket. 
The only thing holding up the close of this short sale is SLS not allowing me to participate in the XXXX program. SLS has everything else they need to approve the short sale.

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 2017-05-30
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX  has a collection against me showing up in my credit report on behalf of  XXXX  indicating that I owe {$740.00} which is incorrect. I have no knowledge of this account, I do n't even use  XXXX  I use  XXXX . I want it removed its damaging my  credit score. Its been there for almost a year now. Please help !

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: MI
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:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19
Company: TENET HEALTHCARE CORPORATION
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:
I was never notified that I had a bill in the first place and I thought my insurance took care of this matter, I have decent credit so it would n't have been a problem to pay the bill. So I was told when I paid it they were going to remove it from my report only to leave it on there and tell me that they only update the report to a paid status. I feel that this is wrong I am trying to buy a house and this is holding me back and the way they get you to pay the bill and tell you they are going to remove it off your report. I spoke with several different people at that agency and I was told so many different stories after I paid the bill and I received a letter stating they were going to remove it and they still did n't it was removed from two of the three reporting credit agencies but XXXX XXXX will not do it unless this agency contact them direct. This has been an on going thing for months and I have had it I pay all my bills with no problem. These people is just trying to cause problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XX/XX/2016, I filed a dispute for a charge against my checking account. This dispute was against XXXX. I filed the dispute because XXXX which offers website design and hosting service, removed my website from the Internet and did so without giving me prior notice or an explanation. I pre-paid {$33.00} for the service to be used for my business and as a result of my website being down for two weeks, suffered serious losses. My clients, sponsors and donors rely on my website for information, resources, etc and no business was able to be conducted during the time frame that my website was down. As of today, I have no idea why my website was taken down. I have asked Suntrust Bank to issue a refund for a service which I did not receive in accordance with the terms and conditions provided by XXXX. 

It has been 90 days and no action has been taken on this dispute.

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 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion has re added XXXX back to my account when it was removed. It is illegal to re add an item after it has been removed. I took screen shots of this and will provide if needed

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 2017-07-19
Company: National Enterprise Systems, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Friday XX/XX/XXXX National Enterprise Systems Called said they wanted me to call back that it is from a debt collector. on my home phone XX/XX/XXXX th same company called my cell phone using a faked number " XXXX XXXX XXXX '' They asked for two different family members who do not live at this address and I would not confirm if I was either of those people. XX/XX/XXXX Called again on my home phone again using a faked number " XXXX XXXX XXXX '' Again asked for family members that do not reside at this address. I would not confirm if I was either of them. The company is based in XXXX OH which is how I know its a faked number and the same woman is on the phone each time. Since the people they are trying to contact do not even live here and in the first call they left a message stating they are trying to collect a debt I assume they violated revealing debt to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ideal Collection Services , Inc. located in XXXX, FL Registering Agent : XXXX XXXX, XXXX XXXX, Account Manager, XXXX XXXX, and Attorney XXXX XXXX XXXX, XXXX are breaking many serious Federal & State laws by trying to collect on an Account that is past, The Statue of Limitation time in The State of Florida, they also have failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires, Ideal Collections to Send me a Copy of the Original Wet-Inked Contract that I signed, and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, Ideal Collections is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my Credit Report, and copies of copies are not Validation and are not considered proof for this account Ideal Collections has on my Credit. Ideal Collections continues to only send me a copy of a copy of another company that was not theirs, in which is not acceptable at all, according to the Fair Credit Reporting Laws. With this being done there was never any way for me to have any mistakes or erroneous reporting corrected from the other company, and I requested and am now still requesting the Original instrument indebtedness of it 's original form, which is not a copy, but the original written agreement with my Wet-Ink Signature on  it. Once this is provided, I am willing to accept a statement for the amount owing as of X/X/13 together with Ideal Collection Services , Inc. 's Assurance that they will Accept Payment in direct and in immediate exchange for the Original Instrument of indebtedness in it 's original form only. In addition, we also have another issue that was not addressed at all by Ideal Collections, which is this account is now violating Florida State Collection Laws ; because it is way past The Statue of Limitation. If Ideal Collections does n't remove this account immediately or provide me with the Original Instrument, then it will leave me no choice but to report them publicly to The State Attorney General 's Office, Federal Trade Commission, Better Business Bureau, and pursue taking Civil & Criminal legal action against them for breaking Federal and State Laws, as well as turning this into a possible Class Action Lawsuit for others to join in ; because I know there are other consumers who are being abused and are suffering by their fraudulent collection practices. I am asking for Ideal Collection Services , Inc. to provide that Original Contract/Instrument of indebtedness, and not a copy, to Me and show proof to The Consumer Financial Protection Bureau of being in compliance with Federal & State Laws to avoid Civil & Criminal Liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Freedom Mortgage Company
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage purchased my loan. They do not abide by the terms originally set in my loan nor do they acknowledge that this is a federal requirement, to include the payment due date. 

When converting to Freedom Mortgage from New Day USA I did not receive federally mandated written notification on where to pay Freedom Mortgage. Their conversion to allow me online access took eight weeks. I called them prior to deploying as the conversion was taking place as I was stepping on the plane overseas and expressed my concern that I was not able to log in, nor did I have documentation on where my mortgage payment was to be sent. 

Eight weeks into the XXXX my neighbor emailed me stating that I had a foreclosure notice on my door - with literally no way to pay my mortgage as it was lost in cyberspace of converting it over to a Freedom Mortgage loan. Freedom Mortgage charged me {$15.00} for placing the foreclosure notice and doing a " home inspection '' to see the status of the property. I advised them that not only was I attempting to be proactive in paying my mortgage, they were in violation of Service members Civil Relief Act by attempting to foreclose on me while XXXX. 

This is, hands down, the worst mortgage servicing company I have ever dealt with. They are in violation of several federal mandates and SCRA protections with ZERO accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Professional Service Bureau
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a call at XXXX on XXXX XXXX, XXXX from XXXX with a recording saying they were trying to reach me and to select XXXX if it was me, which I did, and I was transferred to a person who identified himself as calling from Professional Services Bureau and later identified himself as XXXX . XXXX informed me he was calling in regards to my XXXX XXXX account that was past due. I informed him I had set up auto payments on the account, and he confirmed I had but that no payment had been made since XXXX XXXX. I checked my bank account and confirmed that the auto payments had not been occurring as expected. I asked him if he could explain why and he responded only that I needed to pay the balance in full or at least half of the amount. I requested the balance in full and he stated {$830.00}. I told him that was much higher than I thought it should be and informed him that I was going to need to look back at my records to determine if that was accurate and wanted to figure out why my payments had stopped. He responded by telling me I did not have to check my records I just needed to make a payment and asked how much I could pay now. I told him I was about to take a pay cut at work so the most I could do was the {$85.00} a month I thought I had been doing but with the balance he stated I wanted to check my records first. He became aggressive telling me I did not need to check my records, that I needed to make a payment, and challenged me on what records and why I would need to check them. I informed him that I wanted his name ( which he gave as XXXX but refused to give his last name ) and that he was not allowed to be challenging and aggressive towards me and if he continued that I would report him. He continued with his aggressive communications despite my comments and requests and he continued to insist I did n't need to check my records and just needed to set up a payment and accused me of being the aggressive XXXX. I ended the call at that point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation