BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-12
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a Care Credit Card. I have called the company several different times since 2012. I had a XXXX and was late on some of my payments. I called them to find out what options I had to get back on track since I was off work going back and forth to doctors to see what exactly was wrong with me. It took a year to find out that I had actually had XXXX strokes. In this time frame, I was not using the card for my doctor bills because I have insurance. But to make a long story short, I have paid all my promotional balances off according to my online statement. Today I called them and the representative tried to tell me I have an old promotional balance of like {$4.00} and then something about a balance of {$200.00} that is being charged interest. There is no open balances on my statement. The total amount of {$2200.00} is marked as unpromotional balance - which means interest on top of interest. No one can explain any of this to me. I have not been able to get anyone to help me resolve this issue since 2012. I am at my wits end to get this resolved. I do n't feel like I owe this but when I spoke to a representative and tried to get help I was informed by him that his supervisor told me to call XXXX. I called that number and it is to a debt collection agency or company to like consolidate debt and get on a monthly payment plan or something. I just want every one else that is considering getting a Care Credit Card to refrain from doing so. It is definitely not a reputable company.

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 2021-09-21
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:
Transunion and XXXX credit bureaus refuse to accept two police reports and one FTC Identity Theft Report in order to update my credit reports to show accurate information. The third credit bureau properly updated my information by accepting the police reports and the FTC ID theft report, as required by law. I've gone one step further and wrote a letter citing the law, and now Transunion has locked my out of my account. Since I am unable to fix the identity theft inaccuracies, many aspects of my life continue to be affected. 
I am attaching the FTC Identity Theft Report and the two police reports showing the identity theft ( that incredibly goes back many years ). For the first time with the CPA, I am attaching letters that I am attempting to submit to Transunion and XXXX. Both Transunion an XXXX do not have live operators to talk to. The third credit bureau does and does follow the law ( and I am thankful to you and that third bureau for the wonderful work on behalf of consumers ).

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 2017-03-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a few dozen items from QVC on their Easy-Pay installments, and in XX/XX/2017, I called and paid all future installments with concurrent verbal confirmation from three representatives. In XX/XX/XXXX, I have received myriad emails, phone calls, and letters in regards to an ostensible outstanding balance. I called and spoke to a representative on XX/XX/XXXX and was told that " there is no way for me to prove I paid it. '' I noted my statements and she [ the female representative ] suggested that they were going to collect the balance, whether I paid it or not. The outstanding balance is $ XXXX which, admittedly, is small- but I have already paid it. She then threatened me with collections and " irreparable damage to [ my ] credit '' if I did not pay. 
I know that scores of other consumers have had concerns with QVC verifying payment and then insidiously returning months later under the guise of a " past-due '' amount.

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 2016-07-28
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns appliances is repeatedly calling my home. They call atleast 8 times a day. Sometimes they just hold the phone because my husband answers the phone. It is ok for them to call and remind me, however constant calls are a form of harassment. I have informed them that they should not call after XXXX. I get calls up to XXXX. They have disclosed my information to my husband without my permission. I have asked to remove my number from the automatic dialer with no result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I opened CFPB XXXX to complain company did not send my annual consumer disclosure as requested. 

Company 's response makes zero sense. I did not dispute any items on my report BECAUSE I DO NOT HAVE THE REPORT. 

Send me a copy of my annual consumer disclosure as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX was paid XX/XX/XXXX. The next correspondence was a collection notice XX/XX/XXXX.. 
If I had n't paid they would have sent me another bill and I did not receive any bills in all that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Maury Cobb, Attorney at Law, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE EMAIL BELOW IS XXXX OF XXXX THAT I HAVE SENT TO THE PERSON THAT HELPED ME AT MAURY COBB AND ASSOCIATES , LLC ( XXXX XXXX XXXX XXXX , XXXX XXXX , AL XXXX - XXXX - HER NAME IS XXXX XXXX ) I HAVE SENT AN INCREDIBLE AMOUNT OF EMAILS AND TO THIS DAY, I HAVE GOTTEN NOTHING BUT THE RUN AROUND. THIS HAS ADVERSLY IMPACTED MY CREDIT AND THIS COMPNAY HAS TOTALLY MIS-REPRESENTED THEMSELVES. 

This email is in response to my verbal debt settlement agreement for a XXXX account made between us both on XXXX/XXXX/16. I appreciate that your company was willing to work with me in settling this debt showing up on my credit report. The sole purpose of my verbal agreement with you was to settle on an amount ( {$200.00} ) and get the listing removed from my credit report. I made sure to ask you several times if the letter that you would send me would state that the amount was settled, and most importantly, that the letter would be submitted to all XXXX credit bureaus asking them to remove it from my credit report. We spoke on Friday XXXX/XXXX/16, and you mentioned to me that the letter that I just described would be sent to me the following Monday XXXX/XXXX/16. I never received your promised letter. You had also confirmed to me that the account that still continues showing on the collections section of my credit report was to be removed within 10 calendar days from the receipt of payment on XXXX/XXXX/16. That has yet to happen. 

I am sending you this email now to once again request that you send me the promised letter before the end of this business week, and that you co-ordinate with the credit bureaus and eliminate all the negative markings related to this account. This is urgent for me since I am working on rebuilding my credit as quickly and effectively as possible. I am going through a divorce at the moment and trying to re-establish myself and my credit as a single mother so that I can qualify in short order to buy a home for my children and I. That is my personal motivation that is driving me to urgently get this account removed from my records. I need to bring up my credit score to qualify for the purchase of a home for my kids, and unfortunately, this was an account that my soon to be ex-husband had under my name that of course, he closed without paying. 

XXXX XXXX, you were very kind over the phone when we spoke and I am asking you once again to keep through on your word and speak to your managers to quickly send me the letter that I urgently need to show that this account will be removed from my credit report with all XXXX bureaus, and to also submit that letter and request to the XXXX credit agencies so this can be removed ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-04
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony Bank took over maintenance of my Amazon Store card. My payment for XXXX was returned by my bank. As soon as I realized this, I immediately paid the amount owed. I received an email from my credit monitor that the account had been closed as of XXXX/XXXX/15. I had just accessed the site and there was no mention of the account being closed. As of today, XXXX/XXXX/2015, there is still no indication the account was closed. I received a letter this week, XXXX/XXXX/15 that the account was closed due to too many returned payments. There was XXXX. I received the letter from Synchrony about the returned payment today, XXXX/XXXX/15. It was written on XXXX/XXXX/15. It does not take XXXX days for a letter to get from XXXX to XXXX. So I received the letter of a closed account before the letter of the returned charge. Looks like someone discovered they forgot to send the returned charge letter so they sent it after the closed account letter. The returned charge letter was sent presorted first class mail so there is no postmark. Meanwhile, I am expected to pay interest and finance charges on a closed account. This company seems to want to collect money without providing any services. I never received anything in writing from this company stating that the account would be closed if there are ANY returned payments. This seems like a very poor excuse to close a customer 's account. Especially if the customer has had the account for a long time with no problems. Writing to them does no good as they stick by their decision and just tell you you can reapply for a new account, but you can only reapply XXXX a year. A condition also not stated in writing. Can you please investigate to see who else they have gotten with this lame excuse and if my account can be reinstated? Maybe they will listen to you, if not to their customers. This company has taken over several of my accounts and thisi practice concerns me..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Mercedes Benz Financial Services
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called Mercedes Benz Financial on Monday XXXX XXXX, 2016 and set up an automatic payment for Friday XXXX, 2016. They called again on Wednesday XXXX XXXX and I explained I already contacted them and set up the automatic payment. The woman said she would note the account. On Thursday I received XXXX phone calls from them, I answered the XXXX call and was never connected to a representative. Their system hung up on me. 

This is clearly harassment as I have the confirmation number for the automatic payment and am only XXXX payment past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
original debt was with GE money bank. ge money bank sold debt to security credit. Security credit then sold debt to another company. I paid the third debt collector but secuirty will not take their collection trade line off of my credit report.

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 2017-01-14
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX did not bill our insurance as we requested, then turned us over to CMRE collection agency. We paid CMRE because we were in the process of applying for a mortgage loan. Since then, our insurance was billed and they have paid. We have been unable to obtain reimbursement for the {$1200.00} that we paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
So my situation is a little more complicated than what is listed above. I 've tried calling the CFPB but she could n't help me. Apparently I had debts in collection in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX right as I was changing jobs, I asked for a statement. I changed jobs and had a hard time with familial things at the same time and that was the last time I heard from this Credit reporting agency. Since I work for the Veteran 's Administration and it was hacked right after I started in XX/XX/XXXX, my credit is monitored through XXXX. Today I got on to check activity and it showed activity from this credit reporting agency from XX/XX/XXXX and XX/XX/XXXX. I have not heard or seen ANY activity since XX/XX/XXXX from this agency. When I ran my credit report through XXXX, it shows XXXX accounts with Professional Credit Service that are CLOSED. When I called XXXX and asked why they had n't contacted me, all they said was we contacted you XX/XX/XXXX and that was the last we heard from you ( me ). I do n't understand how they can legally close accounts and reopen them and start posting to credit reporting agencies two years later with no notification. I 'm very broke and I can not afford any more debt right now. Please help. Please tell me if they can legally reopen accounts they have listed as closed and have n't notified the debtors ( me and my husband ) in TWO YEARS : (. THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-13
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Calls my cell phone looking for the previous owner of the number -- a XXXX XXXX. Have repeatedly told them this is n't my debt and XXXX XXXX is no longer associated with this number. They continue to call and leave blank messages on my voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: CBC Companies, 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:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

INNOVIS is violating my consumer rights under 15 U.S. Code Chapter 41-CONSUMER CREDIT PROTECTION, SUBCHAPTER IIICREDIT REPORTING AGENCIES. There are multiple federal violations that the consumer reporting agency is grossly violating. I have also submitted an affidavit of truth and a demand of removal from my consumer report. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I am holding the consumer reporting agency - INNOVIS is civilly liable for their gross negligence. 

Attached are the Demand of Removal Letter and signed affidavit of truth that includes the FCRA violations and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Commonwealth Financial Systems, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Commonwealth Financial Systems INC had this account during the statue limitations. Commonwealth financial systems has put different dates on a XXXX credit bureaus when the account was purchase and forged payment on my account to keep the account open. The payment has rise from XXXXto XXXX. Common wealth and XXXX XXXX has put and double jeopardy on the credit trying to collect from the same debt. Commonwealth Financial has given me numerous dates of when they purchase my account and I have the dates infront of me when I call about every letter I have receive for Commonwealth Systems within the 6 years and more about this account .This account is also past the statue of limitations. Commonwealth has been acquiring contacting the credit bureaus using my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
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: Information belongs to someone else

Complaint:
I have tried to correct these issues with Transuion many times, I have sent out letters asking for validation of these accounts and all they pretty much tell me is that they " verified '' the account. I send of f 4 different letters on 4 different occasions (   XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX    )  and they still failed to send me validation of these accounts. According to the Fair Credit Reporting Act the company must validate these account rather then just report this inaccurate information. Below I Have Attached Their Responses to my request. & Yet Thes e Inaccurate Accoun ts Still Remain.     Accounts Listed Below :  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 explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loan debt is crushing at $ XXXX. I 'm on a graduated plan paying {$400.00} a month which apparently does n't even cover interest at this stage. My rate is 5.25 % which I ca n't lower. My car loan is 2.99 % and my home mortgage is 3.75 %. I have an excellent credit score, but none of this matters. Something needs to be done about the rate and relief of our student loan debts. I did n't go to college for XXXX and XXXX degrees to live like this. I could do and be so much more without this bringing me down. Something must be done. I know I 'm not alone and hope someone is listening to what this is doing to us and how ridiculous it is. This should not be happening to us in this country. I did n't dream since I was a child to be the first in my family to graduate college and better myself to deal with this. I also graduated XXXX and got a XXXX in grad school. I did my absolute best and always strove to XXXX, but for this? Absolutely not. We all deserve better than this.

Company response to consumer: Closed with explanation