BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-20
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card
Issue: Advertising and marketing

Complaint:
This complaint has multiple parts : 1. Similar to CFPB Complaint IDXXXX, Synchrony Bank recently " upgraded '' my account from PayPal Smart Connect to a PayPal Extras Mastercard. My old account with a long history has been marked as closed on my credit report and a new one has been opened which has hurt my credit score. 

2. I made a purchase on XXXX ( XXXX/XXXX/2016 ) where promotional financing was offered if I used PayPal Credit to pay for my purchase. The promotion stated that I would receive 6 months no interest financing with an APR of 19.99 % after the promotional period ( it now displays as 12 months no interest financing ). The purchase was made using PayPal Checkout and my line of credit with PayPal was chosen as the payment method. Upon receiving my statement dated XXXX/XXXX/2016, the purchase did not specify that it was subject to promotional financing terms. After contacting customer service on XXXX XXXX, 2016, the representative confirmed that my purchase was not subject to promotional financing. 

3. Upon further inspection of the statement, I noticed that the Annual Percentage Rate listed on my statement is 27.24 % variable. After reviewing the terms and conditions for my account, I should be receiving an interest rate of 20.24 % APR or 24.24 % APR for standard purchases depending on my account type, which has not been disclosed to me. Furthermore, promotional purchases are listed as an option at the end of " SECTION XXXX : RATES, FEES AND PAYMENT INFORMATION '' in the account agreement for the PayPal Extras MasterCard.

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 2020-08-18
Company: EQUIFAX, 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 made a previous complaint via this site that Equifax was reporting inaccurate and information was not updated as current. I just received an update from my credit bureau alerts that my credit rating has dropped XXXX points due to the changes that were updated. I am very confused on how my credit rating would decrease when my outstanding debt has decreased by {$12000.00}. In XX/XX/2020, I paid off all my credit cards. 
Is this retaliation from Equifax since I complained through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: ZWICKER & ASSOCIATES
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I would like to re-address this complain because the law firm Zwicker and associates has tried the same con again this year after we discussed in details a year ago regarding my monthly payment for XXXX XXXX as according the settlement. When this was first address when they did not want to honor the settlement, then they said they would and tried create a situation where I defaulted on my payments intentionally which is false from the time of the settlement I honor the agreement and made all payments. I received a default letter from the XXXX Court of the XXXX on Friday XXXX XXXX, 2017 advising I would be in default if a payment was not received in 10 days. This was first and only contact I received from zwicker and associates regarding my payment. I never received a letter stating I need to setup a new payment schedule prior to the letter from the court. I was advised their system can not setup payment for over 12 month no explains was given is this my fault? I wanted to setup monthly payment for the remaining settlement because zwicker and associates have tried in the past to change the rules and the settlement in attempt to used scare tactic against me. This default letter is prime example of the tactic they use to not honor the settlement from the courts. I contact them on XXXX/XXXX/2017 explaining the situation and they did not want to address it, however I agree to setup new payments. When speaking to several of their representative they all did not see the settlement amount XXXX in their system and was not sure why and was also confused. They only see the original amount of the debit from XXXX. The amount owes as of date from the settlement is XXXX XXXX. On XXXX/XXXX/2017 I paid a payment over the phone electronically for XXXX XXXX confirmation number is XXXX, and setup payments for XXXX for the next 11 months which would finalized the settlement amount. However the representative told me to contact zwicker and associates to check on this because they do not see the settlement amount it the system, but they have statement previously they would honor. I do not trust this company and they have many complaint filed against, and have lied and misinformation me on several occasions not sure why they are able to continue to operation as a legitimate organization. I am contact XXXX and filing a complaint with BBB and contact XXXX for misrepresentation and other issues on this matter. I tried my best to work with Zwicker and associates in a professional manner and I feel I have not received the same treatment something needs to be done to protect other from this kind of treatment. I am also consulting with New York lawyer to see what or in any thing be done to protect me and family from them I fear there will try and damage my family going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: DYNAMIC RECOVERY SERVICES, INC.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dynamic Recovery Solutions is the latest in a series of companies who 've apparently " bought '' very Action Card accounts. I 've told them repeatedly I 've not had an Action card since XX/XX/XXXX, which I paid off both ; I 've noted there was nothing about Action Card in my credit records when I bought a house in XX/XX/XXXX ; I 've demanded they send some sort of proof that I owe them anything, which they have not done ; I 've asked them to stop the daily calls at all times of the day, at home and work. Dynamic Recovery Solutions is the current company hassling me - their latest " offer '' says the " current owner '' of the alleged debt is XXXX. I want these people stopped.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/2017 I sent a dispute letter to PRA requesting validation of this debt - including an item bearing my signature. All I received in response on XXXX/XXXX/2017 was XXXX Credit Card statement. I again requested validation on XXXX/XXXX/2017, and again received no further information to validate the debt. On XXXX/XXXX/2017 PRA claimed my request was similar to the first and unless I provided more information no additional response would be given. I sent another detailed letter on XXXX/XXXX/2017 asking several specific questions to validate my debt, and on XXXX/XXXX/17 PRA again responded with a letter that they did not receive the information required and would be terminating the dispute investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I recently learned that a high-interest online loan I have with NetCredit is not legally binding in the state of Virginia. 

I notified the lender who responded by stating that their license in the State of Utah allows them to do business in Virginia.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I own a home that is in foreclosure and wells Fargo holds the note.The bank agreed to a short sale postponing a bank sale date.My real estate agent contacted the bank ( wells Fargo ) with a contract to sell the home ( wells Fargo ) never responded and now there is another sale date set how can this be when all along they have agreed to a sale and without notice they have changed course and left us with a unproductive result and a sign contract for purchase they were agreeing to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: CLX Systems/ Westwood Management
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection company " clx systems '' seems like a fake company. Their website has a phone number, XXXX area code, that is disconnected. I tried a second number, XXXX, that is an automated system that just bounced me back and forth trying to sell me different products. I 'm starting to think this company is not real. All i want to do is pay the debt so it can be removed from my credit report but there is no way to get a hold of this " clx systems '' collection agency.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-13
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Recievables solutions put a collection on my credit report after it was already deleted. On XXXX/XXXX/XXXX a collection with Receivables Solution was deleted off of my XXXX report. On XXXX/XXXX/XXXX I got an alert from XXXX stating that a new collection was added to my report by this company. This is reporting with a new date aw well as it 's reporting past due. The date for XXXX was XXXX for {$33.00}. I have no knowledge of this account, they have placed this on my report with no contact by ... mail or phone. I do not owe them this debt. This company has never reported this collection on any other credit reports only XXXX and it was proven that they could not verify account as was deleted now they have added it to other reports. I have documentation from XXXX stating that the account was deleted!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2022 I sent the Consumer Reporting Agency EQUIFAX a Certified Letter Tracking # XXXX with green return receipt. asking EQUIFAX to do a full investigation of the account that is reporting on my Consumer report.

the Consumer Reporting Agency stated, ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX was properly investigated and all the information was accurate, but how is that possible if the DATE LAST REPORTED is inaccurate because according to the Fair Credit Reporting Act,15 USC 1681 the CRA ( EQUIFAX ) was suppose to update the date on the date last reported to the date when they verified the account, so because they did not fix the inaccuracies that means they did that do a proper investigation and this is a Violation to my rights as a Consumer.

Also another violation Pursuing to the Fair Credit Reporting Act, 15 USC 1681b - Permissible Purposes of Consumer Reports ( a ) Any Consumer reporting agency my furnish a consumer report under the following circumstances and NO OTHER ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates.

so EQUIFAX provide me with the permissible purposes document that I the consumer gave you written permission to furnish or publish any thing on my consumer Report.

So now Im REQUESTING the Permissible Purpose document, and if you can not provide this document I demand you DELETE this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: MS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: RIA FINANCIAL
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Thought I was talking to my cousin and he was telling me about getting grant So I did it and they needed some funds for shipping and clearance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card
Issue: Delinquent account

Complaint:
Khols has been calling my mobile phone using automated voice calls and using automatic dialing systems. They have been generating new numbers to call me with each time they call. I 've blocked countless numbers and they keep calling. They are calling me at all hours of the day ( including when I 'm in class ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card
Issue: Delinquent account

Complaint:
This is the 3rd time I have submitted a complaint regarding Capitol One credit card. Please refer to case # XXXX, my first complaint. Again, I have been called at work 3 more times since my original complaint was submitted about them harassing me at work. To make matters worse, they revealed to the receptionist that it was a collections call regarding my name. This is mortifying!!!! PLEASE, do something to make the stop calling me at work. Today 's " recorded '' phone call was from XXXX, PA XXXX. I requested this detailed information from the representative because on my original complaint, Capitol One LIED and said they were not calling me at work. Please request a copy of that recorded call and as proof. Please fine Capitol One for blatantly disregarding the law. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
TransUnion willfully and purposely leaves an illegal and erroneous collections account on my TransUnion credit file. XXXX XXXX collection in the amount of {$300.00} is still on my credit report. They also have illegally added this tradeline on my credit report. TransUnion has received my mailings confirming XXXX XXXX has not validated the debt nor has responded to me in over 60 days after repeated steps. 

All TransUnion does is " investigates it '' by allowing XXXX XXXX to update via e-oscar while verifying nothing and leaving this frivolous charge off on my credit report. 

TransUnion continues to cause financial harm by leaving this erroneous unverifiable charge off on 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 2016-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX collection accounts on my TransUnion credit report that do not belong to me. I did file disputes, but they are still there.

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 2016-03-28
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
GMAC refuses to explain or show that the debt they have been reporting since XX/XX/XXXX is accurate. I have amicably tried to resolve this matter however GMAC has refused to answer any of my questions or show me proof that I owe them any money. They have gone as far as removing my good GMAC accounts from my credit reports and leaving the one trade line which is reporting in error. I have tried the XXXX but they never responded I have tried writing letters certified to their legal counsel in New York to no avail. I want them to remove the negative reporting off my report which is due to come off in XXXX XXXX anyway. Please help, their customer rating and satisfaction rating is very low from the research I have done and this situation is no different. I return the car in good condition on time.

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 2015-05-22
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
i attended XXXX in XXXX, and used Genesis loan services, and would like to know if my loan was part of the XXXX settlement dispute,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX dollar tax lein has reported on my credit report and has been satisfied over a year ago. I have re leased letter. Need to have removed from all credit reports. Please advise as soon as possible. Thank you

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 2023-02-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MP
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 XXXX Bank Account # XXXX has violated my rights. 

XXXX5 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 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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was listed on Social Security XXXX XXXX XXXX database as deceased. 

Some how I discovered email and text alerts from XXXX that reported inaccurate data to TransUnion, XXXX, which had inaccurate accounts open, inquiries from U.S. Immigration, and 2 Public Records of Bankruptcy 's on my credit file accounts. 

I had to contact XXXX U.S. District Bankruptcy court and the Clerk sent a letter denying the fact they sell information to Credit reporting agencies and mailed me a letter.

I mailed USPS certified letters to XXXX and the data mining company aplogized and removed 2 Public Records do to inaccurate reporting. TransUnion and XXXX have NOT removed the Public Records under a different name. 

I have a police report and a signed Affidavit from FTC for Identity Theft. I mailed both TransUnion and XXXX the documents from Social Security Administration that my Social Security number was used as Identity Theft under false pretense. 

I am requesting that the 2 Public Records concerning Bankruptcy be DELETED and my name is correct in my credit accounts according to REAL ID ACT involving that correct spelling of my name on my state Drivers License, legal Name Change, Police Report, FTC Affidavit Notarized, and Social Security Administration letter showing my SSN was used as Identity Theft, which is a federal crime. 

So far, both TransUnion and XXXX REFUSED to delete inaccurate reporting information that is affecting my credit file to obtain credit. 

I discovered CFPB is suing TransUnion for this very reason violating my Consumers rights selling my private data and reporting Public Records and my first and last name inaccurately causing a hardship to obtain Consumer family and household credit from lenders.

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 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing a complaint because TransUnion has ignored my request to provide me with documents that their company have on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. 
Thank you.

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