BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax- XXXX XXXX Account # XXXX Equifax has continually listed the incorrect information on my credit file for over 1 year. I have been disputing this account and Equifax has continue to say that the Account was verify and is correct, I also did a consumer dispute with CFPB # XXXX against the original Credit XXXX XXXX which have verify the Equifax is reporting the incorrect date for first delinquency date which is causing the negative account to remain on my credit report and this account should have been purge/deleted XXXX XXXX. I disputed the account again after I got the letter with t with Equifax on XXXX/XXXX/XXXX confirmation XXXXand was given the same response even with the letter from XXXX was attached to the dispute. This is affecting my credit as I am being denied because of the outdating negative information. This account has been removed from the other Credit reporting agencies XX/XX/XXXX. I need some help trying to get this corrected, all my efforts have failed. I have attached a copy of the letter from XXXX and the results fro Equifax. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is not verifying my judgment with the courts as they claim they are doing. It 's for case number XXXX. This judgment is invalid! What more do I need to provide them? They are not verifying this with the XXXX XXXX City Circuit Court, they are using a third party agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived anywhere outside of New York State nor have i ever worked or used any address outside of New York State. Recently i had an issue with Identity theft and i had the the issues resolved but the address of some of those fraud accounts is still present.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX has put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Equifax several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Equifax credit report and to stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XXXX, I sent letter to all XXXX collection companies regarding bankruptcies I filed in XXXX and XXXX ( same bankruptcy, but had to refile because of attorney mistakes ). I explained that it had been more than 10 years and that these XXXX item should be removed from my credit report. As of the date of this complaint, both remain on my credit report. I believe that it is still affecting my credit score. Since that time, I have had a great payment history and I would like to have those items removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had pulled my annual credit report and seen that I had a debt collection from XXXX XXXX. I sent a letter to the company asking to verify the debt on XXXX/XXXX/2016. I received a letter back including information for XXXX separate debts. XXXX which did not belong to me. They belonged someone with the same first and last name but a different middle initial. The letter included documentation to verify only XXXX of the debts which had an address for the other person. The address listed on the document was not my address and I have never lived at said address. I send a second letter to XXXX XXXX on XXXX/XXXX/2016 asking to verify that this is indeed my debt and why they think it belongs to me. I received a response from XXXX XXXX dated XXXX/XXXX/16 stating again the XXXX debts. They included with this letter a document verifying the other debt and once again there was an address listed for another person. On XXXX/XXXX/16 I sent a complaint to XXXX XXXX stating that are reporting inaccurate credit information based on the documentation previously mailed to me. I explained that I have never lived at either addresses and the person whom they are seeking is not me. I asked that they comply with federal law and remove the debt from my credit reports including all XXXX reporting agencies. I waited over 30 days with no response from XXXX XXXX. I have disputed the debt with all three credit bureaus which have stated that the information was correct and would not be removed from my credit report. I sent a letter to XXXX XXXX on XXXX/XXXX/16 asking to verify yet again that this is indeed my debt. I have not been given a response from XXXX XXXX, and the XXXX reporting agencies have not assisted me in this matter. Please help me alleviate this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other

Complaint:
I attempted to pay my Banana Republic credit card from my new XXXX XXXX credit union bank account. I was informed days later after making the payment online that it did n't go through, although I entered in the right bank account information. Attempted again and same thing, called the third attempt and had a representative enter in the payment information. Days later that payment came back. Days later I was informed that my account had been closed! LIVID I have had that account since I worked at banana republic back in 2004! I have now had to use my XXXX account to pay the bill and zero access to the account. Here 's a thought call a loyal paying member before just closing their account and hurting their credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan with a local merchant that used Synchrony bank. It was XXXX of those 24-month promotion loans with no interest, and if you do n't pay it off within 24 months they charge you back interest at the rate of 29.99 %. I made a mistake and thought the promotion period was 24 months, so I set up my account to pay Synchrony {$300.00} per month so I would have the loan paid off in full in 21 months ( Original loan amount {$6100.00} ). The other mistake I made was setting the auto pmt of {$300.00} and not checking my statements each month because, as it turns out, the promotional period was 18 months, not 24 months. I just discovered Synchrony posted a one-time interest charge of {$3300.00} to my account in XXXX, and has been charging me {$110.00} interest per month. While I am at fault, I just can not accept the fact that ( with 3 months left to pay on the loan ) a finance company would penalize someone like they did. I realize I signed off on the terms and conditions, but you can never fully realize the extend of the penalty until it happens. My complaint, really, is that Synchrony should be able to see my intent to pay off inside of XXXX months. Particularly since I have XXXX loans with them. XXXX loans were taken out around the same time and for the same amount. The other loan does have a XXXXmonth promotional period, and I was ( also ) paying {$300.00} per month on this other loan. Also, I 've gone through my emails ( since I have my statements set to e-delivery ) and I 'm not finding any emails from them alerting me to the end of the 18-month promotion period. What they did to me seems truly egregious and inhumane, even given the fact that I signed off of the terms. I have written and called the company, but so far have gotten nowhere with them. I 've been a loyal customer with Synchrony and their predecessor GE Capital. I 've never missed a payment and feel sick about not just what happened to me, but what they must be doing to other unexpecting customers. To me, a positive outcome in this situation would be for Synchrony to recognize my error ( thinking it was a 24-month promotion ) and retroactively adjust they terms to 24 months. If this loan was 24 months as I originally thought I would have the loan paid off next month. As it stands, I still owe them {$4300.00} due to all the interest charges since XXXX ... on an original loan of {$6100.00}. Seems unbelievable.

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 2017-04-28
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:
EXPERIAN, WILL NOT REMOVE THE ACCOUNT.  XXXX   XXXX   XXXX   XXXX . ITS A OLD ACCOUNT, THAT IS A FRAUD ACCOUNT. THIS IS NOT MY ACCOUNT.  XXXX   XXXX  ACCOUNTS ARE FRAUD ACCOUNTS, I WILL FILE A COMPLAINT WITH THE FTC AND  XXXX  POLICE REPORT.   XXXX    XXXX , FRAUD ACCOUNTS.  XXXX   XXXX   XXXX   XXXX  .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 non-monetary relief
Consumer complaint received 2015-07-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Hi, I have cancelled an online money transfer using my debit card & after the 10 business days refund time frame according to their terms & conditions they did n't refund my money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased furniture from Rooms to Go and used the financing from Synchrony Bank because they really pushed it. I paid off all of my debt the same week it was available for me to pay. A few months later I received a bill saying I owed more money. I tried to contact Rooms to Go several times and recieved no response. I then contacted Synchrony Bank and they advised me to dispute the charge and to not pay anything until they figured out what exactly it was, and when they did they would let me know. He told me to ignore all bills and just not pay anything. I never received any information on what the charge was for. I checked my credit score a few days ago and it dropped dramatically because they claimed I had a late payment when all I was doing was following the " professionals '' advice. They told me they would take care of it and let me know, but honestly after this whole experience I do not have much trust in them so I figured it would be best to contact you by myself.

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 2015-05-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm in the process of a deed in lieu with XXXX XXXX XXXX under the ( HAFA ), where they are allowed up to {$12000.00} to pay off a lien. in my case being a XXXX mortgage of less than {$10000.00}. Springleaf Financial the XXXX mortgage, as well as XXXX have all the information provided to them, phone numbers, fax numbers, account information everything needed to get a negotiation done. Springleaf even after several months of me calling and faxing them information and after XXXX has mailed them an offer do n't seem interested in a settelment. they have written this account off in XX/XX/XXXX, and only seem interested in 1 payment on original loan. Is there anything that can be done to settle this matter before this turns into a full foreclosure. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCA is claiming that I owe them {$890.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have made several EXTRA payments in the amount of {$500.00} each. There were no late payments or any in arrears. These payments were made with the directive of " apply to Principal only ''. As I noticed, they have been also charging interest on these extra payments. I called them and they told me they deduct interest on each payment made. I originally owed G E Credit for the dental work. They sold it to Synchrony XXXX. When Synchrony Bank started taking my payments, they jacked the interest rate to 28.9 % and they also started charging me {$89.00} for security purposes. After several months, after noticing my amount owed was increasing rather than going lower I called and asked why. They explained and said the would discontinue this charge. That 's when I decided to make extra payments, to lower the bill. I made XXXX extra payments of {$500.00} and noticed they did not apply the payment to the principle balance and charged me interest on the extra payments. I will attach a bill showing the interest deduction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Synchrony Bank ( Care Credit ) allowed XXXX XXXX to open a credit line. XXXX XXXX put me ( XXXX XXXX ) as her co-sign for a medical procedure amounting to almost {$4000.00} dollars without me signing anything or being physically present. I, XXXX XXXX have never met nor know who XXXX XXXX XXXX is and I also never gave my consent nor signature for anything involving XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06
Company: NVR INC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
We began a new home build, VA funded, with XXXX XXXX on XX/XX/XXXX. We agreed with them on XXXX on a interest rate and signed a Float/Lock Agreement and a Truth-In-Lending Statement and a Cost Analysis Worksheet agreeing on all finances for the new home : price, interest rate, and a return of {$890.00} due to us at closing. We were originally due to go to settlement on our new home at the beginning of XXXX. This was delayed to XXXX XXXX. Late in the afternoon of XXXX XXXX, we were notified that the closing would be delayed for an unknown time period while NVR Mortgage awaited receiving tax forms that we signed off to be ordered on XXXX XXXX. While we waited for the tax forms, they also contacted us requesting other forms, some of the forms had already been sent previously. We finally got word that the tax documents had bee received on the XXXX XXXX, BUT they still needed more copies of bank statement, to justify the paying off of bills with the proceeds of our sold home, and other forms in order to complete the process and go to underwriting and the a XXXX hour audit. On Tuesday, XXXX XXXX, we were finally contacted that we would be closing on XXXX XXXX at XXXX and an email stating that we needed to bring with us to closing a certified check for {$6500.00}. We have done a lot of research on this process and this is a standard practice of NVR Mortgage XXXX, VA office. Many other customers have dealt with this occurrence of changing the agreement at the last minute trying to squeeze us knowing that the move out date of our current house is XXXX XXXX, in 9 days. It seems that by questioning us on our funds at such a late date that they are seeing how far they can push us for the funds that they think we have available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Climb Credit Inc.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Me and my husband applied for loans on  XXXX   XXXX  with Climb  Credit . They approved me and had me co-sign on his loan for approval.We started at our   XXXX   XXXX   XXXX     XXXX   XXXX  on  XXXX , and right away we knew they did not live by their motto. They said they would be with us every step of the way. We contacted Climb to ask about switching schools, switching classes, starting over etc ... any possibilities because we left our jobs and took out  XXXX  in loans. They said they would get back to us the next day ... we never heard back from them. we sent a couple emails out asking about the possibilities and never heard anything until  XXXX   XXXX  when an email was received that we had been withdrawn. we immediately called and no one could help right away. The fact is we never withdrew ... We never signed any papers stating we wanted to withdraw .... They never spoke with me..EVER ... they took a payment that should not have been withdrawn from our bank account.  XXXX   XXXX  said they initiated the withdrawal until we mentioned CFPB and attorney and they quickly stated Climb initiated it. We are filing a separate order against  XXXX   XXXX . They lied and said because of attendance. We missed 2 days at the time they initiated the withdrawal. We left our jobs, we have lost wages, maxed our credit cards so we can try to maintain our dream of schooling, and now we are expected to pay Climb back for the portion  Climb  took out of the loan .... No one has ever heard of a school withdrawing anyone on someone else 's word. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: EOS Holdings, Inc.
State: SC
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:
A collections agency EOS CCA offered an resolution of debt authorized by client with a lump sum settlement of 55 %. I paid this to protect my credit. Some time later another company XXXX XXXX XXXX wants the remainder of the balance. I sent XXXX a copy of the settlement statement from EOS and proof of payment with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Credit Shop, Incorporated
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
XXXX - On XX/XX/2016, I made an online payment of {$2900.00} to pay my account off. CreditShop 's web site did not show a pending payment and still shows a balance on XX/XX/2016 so I scheduled another {$2900.00} payment. However, went I left the web page and went back in, there was still no schduled payment. I called CreditShop and they confirmed that they were having problems with their online bill pay system. I offered my debit card to make the {$2900.00} payment, they refused as they can only use the bank routing and account number, which I did not have on me. On XX/XX/2016, I called to make the {$2900.00} payment and I was advised that the shows the payment of {$2900.00} pending and that it would be taken that night and the account paid in full. On XX/XX/2016, I called again as there was still a balance and the payment had not posted. Once again I was told that the payment would be posetd that night and account paid off. 

As of today, XX/XX/2016 the accoutn is still not paid off and the {$2900.00} from XX/XX/2016 has still not be applied to my account. My min payment is due on XX/XX/2016.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to dispute the status and terms of a student loan I used to have. The is listed on my credit report as XXXX XXXX XXXX by XXXX. It has an account number of XXXX and the associated telephone number is XXXX. The amount is currently listed as {$7300.00}. When I call the number detailed on my credit report, a representative answers with " XXXX XXXX XXXX. '' When I give them my social security number, they have no record of a student loan and they tell me I have to contact the servicer. Yet they are listed on my credit report as the servicer. It is like a circular nightmare. I have no loan of any kind for any reason with a balance at this time. While I did have student loans that XXXX XXXX may have purchased in the past, those loans have since been paid in full to subsequent purchasers. XXXX XXXX is responsible to update the credit reports with accurate information rather than just leave negative things on people 's credit report. Furthermore, a person can not correct this problem if you call the creditor 's number listed on the credit report and they have no record of you ever owing money. It 's a dead end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been the victim of ongoing ID theft and have a few fraud accounts and inquires reporting on my Equifax credit file. I have sent in a police report several times. The following items are fraud Equifax please needs to block and or remove these items. I can never access Equifax 's online dispute due the website always having issues. 
1.XXXX XXXX XXXX/XXXX/XXXX 2.XXXX XXXX/XXXX/XXXX 3.XXXX XXXX XXXX/XXXX/XXXX Please update my correct address to the following XXXX LA XXXX

Company response to consumer: Closed with explanation