BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-31
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I had a XXXX Bank XXXX XXXX card for XXXX years. In XXXX, Synchony Bank purchased all of the XXXX XXXX XXXX XXXX accounts. In XXXX XXXX, Synchony Bank increased all rates from 14.29 % to 29.99 %. I paid off my Synchony XXXX Card account in XXXX XXXX and applied for, and obtained, a new XXXX Bank XXXX XXXX card. Previously, XXXX would notify me via cell telephone, text message and email if there were any questionable charges to my account. A very valuable, and appreciated, service. Since XXXX XXXX, after paying off my Synchony XXXX XXXX Card account, I have not made any charges to that account. I just learned that improper, and unauthorized charges have been made to my idle Synchony XXXX XXXX account dating back 30 days. An automated voicemail message was left on an old, unused home phone line. No cell phone call/message. No text message. No email. All the venues that I was accustomed to as a XXXX card holder, were abandoned by Synchony Bank. I must now dispute and investigate XXXX transactions that were initiated over a period of 2-weeks in the state of Florida ( as I am a Pennsylvania resident ). I believe that the poor protections and efforts on the part of Synchony Bank should be reported to other consumers. Although Synchony Bank assumed all XXXX XXXX XXXX customer accounts, they abandoned the consumer protections and communications that were previously extended to the XXXX customers.

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 2022-04-11
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:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2016-05-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent in several disputes to remove or correct an account on my report. I have full ownership of a vehicle and I have the title to the car and XXXX refuses to correct the information. I was told that I can only dispute an account with them one time only as they have already found the account to be true and i am unable to resubmit a dispute or further submit documents proving my case. I have called several times and spoketo numerous employees and no one will help. I have sent letters and have gotten no responses. This account is no delinquent and this car has been paid off. It is showing as a reposession and a bad debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a Sams Club Master Card when I became a member. I was excepted and given a temp. card, and told I 'd receive a regular card in the mail 7-14 days. After waiting 23 days I called. It was prob about XXXX min before I was able to talk to someone instead of the computer. I explained I never received my card and they tell me it was sent out over XXXX wks ago. I told them to cancel it and send me a new XXXX cause I never received it. Everything seemed good ... ..I was wrong. This time I waited 15 days and nothing, so I called again. I asked if they sent my " XXXX '' card yet. ( After of course having to talk to the computer for XXXX min or more ). I was told that they had updated my address and a card was sent out a month ago. ( which would of been the XXXX card ). I explained that there was to be a XXXX ( new ) card sent because my first XXXX I never received and it was to be cancelled. I was then informed that they had not cancelled that first card and a XXXX was never sent. By this time I was so frustrated and worried now that the credit card that I was told " was '' cancelled was NOT and it 's out there somewhere! No wonder there is so much identity and credit fraud. Finally I told them to forget the whole thing and send me conf. that any credit card with them is cancelled. They have very poor customer service. When you call you have to talk to a computer for XXXX minutes and IF your lucky enough the computer does n't hang up on you it will then give you to a person. And now you have to start over with you problem / complaint. Beware of this credit card company!! Who wants a credit card company that you have to speak to a computer for several minutes answering question after question before getting a human to speak with ... .. NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Collection company had never contacted me when I lived in XXXX, where my debt was originally signed. Upon moving to XXXX, and after I contacted XXXX to repair my credit, it seems XXXX has purchased ALL of my debt in addition to my husband 's. I have court summon, which I settled but they refused to take my XXXX into consideration when agreeing to an amount and refused to accept monthly payment arrangements that I could afford. This company has come after us now. I explained to collection company 's attorney that I am XXXX and this credit delinquency arose due to a XXXX for a year. I also expressed to attorney that I contacted each original creditor from hospital via telephone to arrange payments and even offered medical documentation but to no avail. Now this company is unbending in their debt collection and, has explained that they will continue reporting on my credit for years to come. Also, they have stated that even though they will " settle in FULL '' upon agreed amount, they will further report me to the IRS for any difference above {$600.00}. I do not know if all of this is legal. I do n't see how any of this is fair. I am XXXX ... I contacted original creditor to avoid this very issue ... they did not care to work with me. XXXX XXXX collection company is probably a partner with XXXX XXXX credit repair company because the timing of all of this is too coincidental. I changed my address with XXXX so I am hiding from nobody only XXXX XXXX has contacted me now over year after having acquired my debt and precisely at the time XXXX XXXX became involved.

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 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My identity has been breached and used to obtain credit without me knowing. Please help me get to bottom of this and bring these people to justice. I can not even get a car loan because of this. I have become victim of identity theft due to I believe a data breach please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Diversified Consultants, Inc.
State: MS
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:
Buyer 's remorse. I ordered a phone from XXXX. When the phone arrived I could not receive a signal at my residence. I had not yet yet disconnected with XXXX which had 3 bars service where XXXX had no bars sitting side by side on my coffee table. I called customer service and tech support and after they could not help me get good service was told to return the phone. I returned the phones to them the next day as instructed. I have copies of both an email and letter from the company saying the phones were received in excellent condition and within 15 days. The law states if I 'm not satisfied with service for any reason I can return the phones. 
Since then I have received letters and called many times trying to fix what I have been told is a glitch in their system. I can not log into the XXXX side of my account. When I call them they tell me they 've fixed the problem. Then a credit agency is trying to collect so they can get money for phones they already have back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: Genpact Limited
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A debt collector, Genpact, LLC, contacted me in XXXX, XXXX, stating that I owed my former health insurance provider more than {$1600.00} for pharmacy claims that were submitted to the carrier - and for which the carrier paid - more than 30 days after the policy had been terminated. I had never been contacted by their client - the health insurance company - about this debt and the collector contacted me almost a year after the policy had been terminated. I sent a letter to the collector within the 30 days of receiving their letter, disputing the debt. I told them it was not my fault that the insurance company made an error and paid money on claims more than 30 days after the policy had been terminated. I requested the collector to provide written proof that I was financially responsible for this debt. The debt collector called me in XXXX XXXX and stated that they received " proof '' that the debt was mine. The " proof '' they received was a phone call from their client, asserting the debt was valid and belonged to me. I told the collector this was not acceptable and that the law requires them to provide proof that the debt belongs to me in writing. I then filed a complaint with the California XXXX XXXX 's office, asking them to investigate this debt because it seems illogical that the carrier could accept and pay claims on a terminated policy and then try to collect the money from me almost a year later. The XXXX XXXX 's office opened an investigation. Immediately after this phone call, I sent a new letter to Genpact, LLC, informing them of this and stating once again that I dispute the debt. Two weeks later, the collector sent me the same letter they originally sent to me in XXXX XXXX, with no additional proof of any kind that the debt belongs to me. I feel they can not obtain proof from their client that the debt is valid and they are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CITIBANK, N.A.
State: MD
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:
I purchased furniture from Macy 's. The product arrived so damaged that I could not return in the packaging that was provided. I offered them the opportunity to refund half of the purchase and I would keep the furniture and they would not have to pick it up. 

Since COVID19, they closed all customer service including their credit card servicing department. I filed a dispute and have heard nothing.

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 2022-08-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXXXX/XX/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 2016-06-09
Company: ONLINE Information Services, Inc.
State: CO
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:
I disputed that the debt was mine. I had a residential account to supply Electricity to my house, and when I moved I paid in full the remaining balance and closed the account. That was in XX/XX/XXXX. I disputed XXXX account with the credit bureaus, stating it was paid and not my debt. The bureaus removed the collections accounts after XXXX was unable to verify the debt. one month later XXXX submitted XXXX separate collections accounts, with the same Claimed debt, but this time they also re-aged it to claim it was opened in XXXX/XXXX/XXXX a full 4 years later, especially after failing to verify the debt to the credit bureaus this is not appropriate, I have disputed this issue again, but XXXX will not remove the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a company XXXX XXXX who I am not aware who they are. I did not do anything with any of my cars with them. They are giving me hard inquires on XX/XX/XXXX and XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me.

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 2022-09-03
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, On XX/XX/2022, a fraudulent purchase was detected by Ally bank and I was notified immediately. I was then issued a new card that came in about 2 days later. However, I was only compensated for one fraudulent purchase by a website called XXXX for about {$40.00}. I was not compensated for another purchase from XXXX for a little more than a dollar despite the agent I spoke with saying she would get that taken care of. Normally, I would shrug it off, it's just a dollar after all... 

However, this morning ( XX/XX/2022 ), I received two more fraudulent charges for {$200.00} ( again from XXXX.XXXX, after asking an agent to blacklist that site ), and a new charge for about {$40.00} from XXXX.XXXX. 

After locking my card and asking for these issues to be addressed, I was told that I had to let the charges go through and dispute them afterward. Now, I won't be able to pay my utility bill on time because I will have to wait for the funds to get back. Meanwhile, someone out there is getting away with stealing almost {$300.00} from me. This is unacceptable, and Ally bank has yet to make a statement on this issue, despite it being very widespread right now.

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 2020-03-26
Company: Experian Information Solutions Inc.
State: FL
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 believe I have been a victim of identity theft. There are several credit accounts that are reporting which I have never done business with, inquired with, or had access to. They are showing as 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 explanation
Consumer complaint received 2020-03-26
Company: Prosper Marketplace, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is my 2nd filing on Prosper. They continue to call my work phone and now have started calling my cell phone from phone number XXXX. I didnt give them permission to call my cell number. They had been told several times not to call my work. I would like to file an FDCPA complaint for harassment. I have screen shots and my phone for proof that they are still calling. I can provide all this evidence. They have called at least 7 times since last wednesday. I would like to file an FDCPA complaint!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received a payday loan and prior to the due date of the loan Advance America contacted my wife on her phone line as a reminder to pay on due date. My number is active should of been the only number contacted unless the loan was past due and my wife was contacted as a reference ( as intended when her info was left ). My wife has now received 2 calls from advance america.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-08
Company: FRANKLIN FIRST FINANCIAL, LTD
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi. my name is XXXX XXXX.my adr.XXXX # XXXX.my pho.XXXX.my XXXX.ssn.XXXX.. i want buy house for michigan with morgace.i talk 2 month ago guy name employ. both guys friend ( 2 ) XXXX XXXX.id no.nmlsXXXX..his working with XXXX XXXX  XXXX.XXXX  XXXX XXXX XXXX..he talk to me he can help me.he take my all infor like bank, ssn, my id etc.then he say he work with too many comp. he give me pre appovel.from. XXXX XXXX XXXX.wasXX/XX/XXXX..i am going buy house with pre aprovel.also he talk too many times with my agent also sailer agent.he say evrythig ok. frek frist fni lone officer name. ( 1 ) XXXX XXXX. id no nmls XXXX .last 2week guys doing bank aprozel i pay money $ XXXX..this week was my sailer cont due this friday. 2  days ago i talk with XXXX.he say everytnng ok..yesterday he say XXXX XXXX XXXX.they going to bank now they no pic my phon.emil no answer.. closing down.why they doing like this like play with me..i lost my deopst money also bank aporzel money..ple.if you can go to aciton for both off guys ..XXXX  XXXX + XXXX XXXX ... thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On several occasions, I mailed letters to all 3 credit bureaus. 

EQUIFAX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

Equifax mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX/XXXX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX bank about alleged late payments. They were unable to verify my late payments and forwarded me letters to send out to each bureau, they refused to update the account. 

Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XX/XX/XXXX Equifax mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX bank about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

Equifax Mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX ( they submitted a letter of removal to the credit bureau and they still have n't removed this ) XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX bank about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS Due to the delay of the credit bureaus response, I have been forced to freeze my accounts until this matter is taken care of. 

I am an XXXX Service Member Currently XXXX since XX/XX/XXXX. I had my power of attorney take care of the credit matters and they have n't gotten any response. It is appalling that serious matters like this are dealt with no sense of urgency and nonchalantly. Please contact me at the earliest convenience to deal with this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Diversified consultants rep called I did n't recognize the number. Caller ID stated number with no name. I thought it was spoofed, so I asked the rep why didnt name of company come across. Rep Would n't provide me all information I requested. When I asked them not to call me anymore, rep started yelling and arguing over the phone.

Company response to consumer: Closed with explanation