BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Other

Complaint:
I paid off my credit card via a third party agency in excess of 5 years ago. I was verbally told the account would be removed. Upon paying off the debt the neither account was removed and keeps flagging as if the debt was paid XX/XX/XXXX. When I speak with them they are telling me that the account is reporting correctly even though the account was paid XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
{$4700.00} was supposed to be sent to me in a cashier check I have yet to recieve those funds. After I reached out many times telling them Close the account send my available balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act 1 ) XXXX XXXX XXXX ACCOUNT # XXXX 2 ) XXXX XXXX XXXX ACCOUNT # XXXX 3 ) US DEPT OF ED/XXXX ACCOUNTS XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1684 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 1666B : A creditor may not treat a payment in 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 2022-04-09
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:
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 ACCOUNT WITHOUT WRITTEN INSTRUCTIONS 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ACCOUNXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I was granted Forebearance by my Mortgage company XXXX from XX/XX/XXXX to XX/XX/XXXX -- - They unfreezed my credit and just started this month in XX/XX/XXXX to add negative information- that I was late 26 payment, when i was actually in forebearance. They took one year to modify my mortgage payment from XX/XX/XXXX to XX/XX/XXXX, and just sent my first new statement in over a year ... that my payment was changed from {$2800.00} to {$2500.00}, new payment effective XX/XX/XXXX. Also I wrote back on XX/XX/XXXX that my common law spouse also a co-borrower on my the shared mortgage loan, died back on XX/XX/XXXX as i have death certificate on file, wrote a hardship letter to XXXX... they have ignore my request. XXXX XXXX was a XXXX XXXX working the XXXX  XXXX XXXX  at XXXX XXXX and also at a XXXX XXXX... .was very sick from XX/XX/XXXX to XXXX XXXX when he died at home from XXXX causing mulitple XXXX in his body. I requested XXXX for hardship on my mortgage loan and they have ignore my request. I am seeking further help for CFPB to intervene in this matter. Their Loss and migitation department is a mess, that handle forebearance customers ... .I request help many times..and they are messed up my credit report as being late 26 times.

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, XXXX XXXX XXXX, Have been the victim of identity theft since my wife passed away almost 3 years ago. I have attempted to work with Transunion to get all the fraudulent information off my credit file with them, Under 605B of the fair credit reporting act and they have refused to obey the law. I have filed almost 3 dozen complaints in the last 2 years against them and they give a XXXX  reply to close the file with the CFPB Because they know how to thwart the law instead of complying with the law. The CFPB closes a complaint just by getting a reply from the company instead of actually looking at the reply to see if it addresses the complaint at all. 
Please force TransUnion to remove the fraudulent name from my file, XXXX XXXX, that TransUnion claimed to a federal entity that I was this fraudster. They permanently harmed me with this lie and caused that federal entity to cease business with me. I sent TransUnion certified and stamped and notarized signed by police documents that my fingerprints did not match this fraudster. Transunion has not replied to my sworn requests, and ignored and broken the law. Please do not allow them to thwart this complaint process with the same XXXX  reply they use to close the complaint and have them obey the law.

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 2015-07-30
Company: Stellar Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I looked at my credit report last week and noticed that XXXX had reported that I had an outstanding bill of {$250.00}. I challenged the validity of the bill, especially since I had not been with XXXX for since last XXXX XXXX 2014 XXXX and I had not received any bills stating that I owed any money since I switched XXXX. In addition, I stated to her that during the last conversation I had with a XXXX Representative, I understood that I did not owe any money. Anyway, I explained to her that the only mail I ever received from XXXX was mail soliciting my services with offers of gift cards as incentives. I could not understand why they 'd want to have me as a customer if I had an outstanding balance. I however asked the Agent to send me a statement verifying this outstanding amount. Yesterday, when I got home from work I received a large envelope from XXXX with a bill for {$110.00}. Amazingly, the balance was lowered and I was given a date of XXXX to pay this amount. I still have'nt reviewed it for accuracy because I was tired and went to bed. This morning, I received a call from XXXX XXXX, who stated that he was from Stellar Recovery and he was calling about an outstanding debt of {$250.00} from XXXX. He demanded from me when I was going to pay this amount. I explained to him what transpired with the XXXX Representative last week, but he was unwilling to listen to my explanation. The manner and tone with which he spoke was very rude and disrespectful. He continued to ask me when I would pay the {$250.00}, even though I told him I would not make any payments until I had reviewed the statement I received from XXXX and I added that in any case I would deal with XXXX on resolving he matter. He kept on demanding I make a payment today. Eventually, I disconnected the call and I blocked the number XXXX XXXX XXXX XXXX. I just recovered XXXX and I can not deal with XXXX being harassed and threatened, especially when I tried to explain the situation and the XXXX XXXX refused to listen.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Collection Bureau of Little Falls, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested a validation of debt on XX/XX/2022. On XX/XX/XXXX I received only a statement from them saying that the debt was validated. The statement did not have any of this companies information on it nor was there anything that proves that this company has a right to collect on the alleged debt. They are reporting my personal information on a debt that has not been correctly verified. I do not have a contract with this company. They never provided me with a service but they are reporting on my consumer report. I have not received anything from them that gives them rights to be harassing me for this debt. I sent another validation of debt letter on XX/XX/2022. I have yet to receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: EQUIFAX, INC.
State: NY
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND I FEEL LIKE HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. BECAUSE OF THIS IT HAS LEAD ME TO MY ONLY OPTION OF SENDING DISPUTED TO HAVE THOSE DEROGATORIES BLOCK AND DELETED OFF MY CREDIT FILE. 

I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND, BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDIT FILE AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: FC HoldCo LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Chase VISA credit card payment was done on XX/XX/2020 for an amount of {$300.00} for a service that didn't fix the problem for which I paid for. 

I hired a refrigerator technician XXXX XXXX of XXXX XXXX to repair the XXXX refrigerator. The first visit was on XX/XX/2020 when he diagnosed the problem as being caused due to evaporator fan motor/defrost sensor. He told us that he has to order the parts and would visit us again once he got the parts. His second visit was on XX/XX/2020 where he replaced the defrost sensor but told us that the evaporator fan motor was fine. He told us to call back if the issue persisted. I made the payment through the credit card ending with XXXX on XX/XX/2020 for an amount of {$300.00}. I waited for a few days and the ice build up was again happening which made it apparent that the issue was not fixed. Ive duly contacted the merchant within 9 days of service and the merchant also agreed to come back and repair it but never responded back after that. I paid with chase credit card {$300.00} to repair the refrigerator and Ive made a good faith effort to resolve the dispute with the merchant first contacting him first. He said he will come back and repair it but stopped responding after that. We contacted him multiple times giving more than a month to respond before I started disputing the credit card charges. 

Chase, the credit card company resolved the dispute in merchant 's favor the first time. We reopened the case the second time escalating it to the executive management and someone from the executive office contacted us telling us that we are still liable for the credit card charges continuing to resolve in merchant 's favor although we clearly stated our rights that we did contact the merchant in good faith and the original issue he was called for is still not resolved. So we are escalating it further to CFPB to get a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
Sam 's Club Credit ( Synchrony ) bank reported 3 months non payment/late. I had not been billed as the address they had on file had not been updated. I was notified by collections at which time I paid the balance in full. It also indicated that my account was closed (? ). I would like the report so noted and corrected to show the account is open. Your assistance in this matter is appreciated. I have maintained a strong payment record and do NOT want to ruin my credit because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI
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 leased a vehicle commencing in XXXX. I decided to buy the vehicle. Following my request for a payoff balance, on XX/XX/XXXX, I received a letter from XXXX regarding estimated fees and taxes for buying the vehicle outright. Later in XX/XX/XXXX, I sent XXXX a check in the amount of {$45000.00}, the exact amount that XXXX had indicated was required to complete the purchase. Shortly thereafter, XXXX sent me a billing statement of {$1600.00} due on XX/XX/XXXX. On XX/XX/XXXX, XXXX sent a letter stating that my payment of {$45000.00} was returned since Wisconsin Toyota Financial was not able to direct sell to consumers. In the meantime, another bill in the amount of {$1600.00} was sent to me. XXXX basically sat on my payment for 30 days and as a result, Toyota Financial Services reported to the credit bureaus that my payments were delinquent. Since I had already tendered payment for the vehicle to the address I had been given for payments, I was not delinquent. Nonetheless, my credit rating was being improperly decreased. In XXXX and XXXX of XXXX, I received letters from XXXX XXXX regarding receipt and confirmation of two electronic bill payments of {$830.00} each. In XX/XX/XXXX, I sent a letter to XXXX Financial Service regarding their account misinformation. I also sent multiple letters to Transunion regarding the account misinformation. On XX/XX/XXXX, XXXX sent a letter to me indicating that XXXX records are being correctly reported. I hired an attorney in XX/XX/XXXX who wrote a letter to Toyota Financial Services Lease which requested that the account be corrected to show that it was not delinquent in XXXX, payment having been tendered for the full purchase price of the vehicle. On XX/XX/XXXX, XXXX responded that they believe their records were correct, which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Duncan Solutions, lnc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XXXX transponder attached to the car my wife and I use failed to debit our account after my wife and/or I were driving on the XXXX express lanes, near XXXX., on XXXX XXXX, 2016. These express lanes are operated by a company called " XXXX XXXX ''. The charge for me ( or my wife ) using the express lanes on that occasion was {$4.00}. The company XXXX XXXX says that it sent us collection notices in XXXX and XXXX 2016. My wife and I do not recall having received them. ( If we had, we would have paid the small charge immediately ). I received written notice from a collection agency, Professional Account Management, LLC, seeking payment of {$100.00} in connection with the XXXX XXXX charge. No information is provided as to why a collection of {$100.00} is sought for a charge of {$4.00}. 

XXXX did not call me or my wife to let us know if the {$4.00} charge. Again, if they had, we would have paid it immediately. 

In my view, it is grossly unfair that a collection agency seek payment of over 2,300 % of the amount of the original charge, especially when the collection agency 's client could have made a simple phone call that would have resolved the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputing that the Public Record Information is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I RECIEVED A LETTER FROM FRANKLIN COLLECTION SERVICE INC AT MY FLORIDA RESIDENCE STATING I OWE XXXX AND THEN TOTAL DUE ALL CREDITORS XXXX THE PARTY THEY ARE COLLECTING FOR ON THEIR PAPER XXXX  THE FIRST LETTERS SHOW FALSELY LIKE THEY ARE A CHECK.SINCE I DO ALL MY XXXX AT XXXX I CONSIDERED THE LETTER FRAUDULENT AND THREW IT AWAY AFTER CALLING AND BEING DENIED THE NAME AND WEBSITE OF THE GOVERNMENT ENTITY RESPONSIBLE FOR COMPLAINTS AGAINST THEIR BUSINESS AND ITS PRACTICES. I ALSO RECIEVED A THREATENING PHONE CALL ABOUT CRIMINAL CHARGES REGARDING MY DEBT THAT WAS LATER ERASED OFF OUR ANSWERING MACHINE. WHEN I TRIED TO CONFERENCE MY INSURANCE COMPANY TO THE COLLECTION AGENCY THE NUMBER SUDDENLY DID NOT WORK AND IT HAD ONLY MINUTES BEFORE. THE INSURANCE COMPANY COULD NOT LOCATE A BILL XXXX IN MY CLAIMS. I TYPED THE COLLECTION COMPANY A LETTER REQUESTING DETAILS ABOUT THIS DEBT AND TO WHOM IT WAS OWED LIKE DATES CONTACT INFORMATION FOR THIS BUSINESS I OWE WHAT SERVICES WERE RENDERED AND HOW IT WAS SUBMITTED TO MY INSURANCE AND CLAIM STATUS AND DETAILS. I STILL HAVE NOT RECIEVED A RESPONSE AND ITS BEEN MONTHS AND THE RUDE MAN WHO REFUSED TO LOG A COMPLAINT OR ALLOW AN EXECUTIVE COMPLAINT OR TO ELEVATE MY CALL OR PROVIDE GOVERNMENT COMPLAINT INFORMATION SAYS THEY HAVE NO RECORD OF RECIEVING CORRESPONDENCE FROM MYSELF OF ANY KIND. I FEEL THEY CAUSED THE TELEPHONE LINE ON THIS EARLIER STATEMENT TO BECOME DISCONNECTED AFTER I STATED THEY HAVE A LEGAL OBLIGATION TO DISCLOSE WHERE I CAN FILE A COMPLAINT AND THAT REFUSING IS CRIMINAL THE MAN MUMBLED AND I SAID I DIDNT HEAR HIM AND HE REFUSED TO GIVE ME THE WEBSITE AND THE CALL ENDED. I COULD NOT REACH THEM TO CALL BACK BECAUSE THE PHONE LINE WAS NO LONGER IN SERVICE FOR MYSELF OR FOR MY INSURANCE COMPANY TO CONTACT THEM. THEY ALSO SAID THAT IF I PAID ELECTRONICALLY OVER THE PHONE OR THE INTERNET THIS DEBT WOULD NOT EVER SHOW ON MY CREDIT REPORT AND THAT IF I PAID THROUGH THE MAIL THEY WOULD NOT REMOVE IT FROM MY CREDIT REPORT BUT ONLY DISCLOSE TO THE CREDIT AGENCIES THAT IT HAD BEEN PAID AND THAT IT WOULD REMAIN ON MY CREDIT FOR SEVEN YEARS THEREAFTER. THE DEBT COLLECTOR MADE THREATENING CALLS AND PRESSURED PAYMENT BY OTHER MEANS THAN BY MAIL STATING PAYING BY MAIL WOULD DAMAGE MY CREDIT AND THE COLLECTION SUPERVISOR PURPOSELY DID NOT GIVE OUT THE WEB ADDRESS OR INFORMATION I NEEDED OR TELL ME WHERE I COULD FIND IT HE PURPOSEFULLY MUMBLED TO OBSCURE WHAT HE WAS SAYING TO ME. I AM VERY UNHAPPY ABOUT MY EXPERIENCE AND STILL DON'T KNOW WHO I OWE WHY I OWE THIS AMOUNT OR WHERE THIS HAPPENED AND IF A HOSPITAL OR FACILITY AND IF THEY FILED A CLAIM WITH MY INSURANCE BECAUSE XXXX DOES NOT SHOW IN MY INSURANCE CLAIMS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Monterey Financial Services LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a loan with XXXX to have a procedure done. They quoted me for XXXX dollars but only provided the doctor XXXX and I still had a balance with the doctor of XXXX. Moreover, I would pay back XXXX dollars for three years XXXX a month. I hit hard times so I missed XXXX payments and also decided not to have the procedure done. I was told todat by the doctors office that XXXX rescended their loan and that the doctors office sent them their money back. So I should not have to pay anything because not only did they pull their money back I never got the procedure.

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