BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-22
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I contacted the company via phone on XX/XX/XXXX 2015 requesting assistance with my account as I am past due, over credit limit, and was shocked to learn that I was unknowingly signed up for a promotion that has led me to be over the original limit of {$1800.00} due to the promotion expiring and me being charged, according to the representative, 42 % interest on the unpaid promotion amount an entire year equaling around {$630.00}. This has left me with a balance due of more than {$2500.00}. Additionally, the representative informed me that I have an additional promotion ( that I have no idea how I signed up for ) that is set to expire in XXXX 2015 which will drive this {$1800.00} debt to close to if not more than {$3000.00}. After speaking with a financial representative for over XXXX minutes he advised me that I " did not qualify '' for assistance at this time and to try back later, despite being nearly XXXX days behing. I got no answers on how to take care of the unknown promotional purchase and no one assisted futher. After reviewing my finances I sent Synchrony Bank a repayment proposal and requested that my account be closed. In that letter I included the XXXX payment as proposed in the repayment proposal and this payment was cashed on XXXX XXXX 2015 via electronic draft. I recieved a call on XXXX XXXX 2015 from XXXX stating that they were collection agency assigned to my Synchrony account. The account supervisor informed me that there was no record of a repayment letter included with the payment, and that my account had not been closed. She had no details as to how the company got the check that was enclosed in the letter, but did not receive the letter. The rep closed my account and took some details of what was enclosed in the letter so that she may relay that information to Synchrony Bank. She could not help me with the issue of promotional purchases because she said she did not have access. I tried to call Synchrony Bank directly, but as they have sent my account to collections I am automatically forwarded to the collection agency who can not help me resolve the many issues I am having. I am not denying that I owe what I borrowed but I DID NOT sign up for a promotion and definitely did not sign on to pay nearly XXXX times the amount I borrowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: Affirm Holdings, Inc
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have multiple loans with Affirm Finance and have had for the past few years with no problem. I have paid off multiple loans with them. I make my payments via their app and have had no problems until now. When i went to make a payment, all of my loans except one had disappeared! It is their practice to send text reminders when payments are coming due, but this time i was unable to pay the amount in the text, because it did not appear in my account on their app! My account is showing a total balance of {$49.00} and a payment of {$15.00} due XXXX. I owe much more than this. I called Affirm customer service on XXXX to report this problem and to make my payment. The rep asked me for identification information for my account and i told him. He then stated the DOB i gave him was not the same that was listed on my account and would have to be corrected. He stated it would take approximately 3-5 days for this correction to be made, but until then, he could take no payment from me. I explained this would cause me to miss payment dates and he stated someone would be contacting me. I received an email from Affirm on XXXX from someone named XXXX XXXX stating he had received request to update my DOB, and for me to click a link to submit photos of my government issued ID such as drivers license, passport, or ID card and that once submitted to allow 7 business days for the update to be made. I do not trust this! I did NOT click the link and am still not able to make my payments on my online account. I do not know if this is fraud, but i have never had an issue like this and would like assistance correcting this issue as payments are due to them on various days and I am missing these pay dates in the meantime and do not feel i should be charged any late fees as it is not my fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are 2 late payments from Synchrony Bank/ CareCredit XXXX XXXX on my credit report that arent accurate and needs to be removed. My minimum due is {$100.00} on the XXXX. I paid {$670.00} on XXXX of XXXX. So I shouldnt have any late payments for the month of XXXX or XXXX. I had a late payment in XXXX but after talking to synchrony bank they said the would remove the late payment but when I checked my credit report the late payment was moved from XXXX to XXXX which should be illegal because I never missed any payments in XXXX. As part of the FCRA I need these late payments removed from my credit report immediately. 

By provisions of the fair credit reporting act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the last 6 months.

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 2022-10-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Money is disappearing from my Wells Fargo checking account and also credit card account. I received a few reimbursements for the fraud being caught but I still see money being missing from account. Also my credit card was still being charged even though I havent used my card. 
Also XXXXXXXX XXXX XXXX XXXX  has had access to my Wells Fargo account and they might have something to do with it.

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 2015-09-12
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX 2015, I notified US BANK that I was closing my account and that I was transferring my recurring bank drafts to my new one. On the same day, I notified my linked credit card with US Bank and closed the account. There was approximately {$50.00} left in the US Bank account and I did n't make any deposits because I had successfully transferred all of the bank drafts to my new bank account, additionally, I did n't have any outstanding checks. On XXXX XXXX 2015, US Bank paid a bank draft to XXXX XXXX for the amount of {$220.00} even though there were insufficient funds to cover it. When I called US Bank I was told that the account had never been closed as I had requested. They would not close it until I paid the new balance at my former bank account. It turned out that the creditor XXXX XXXX had been paid twice in XX/XX/XXXX, my new bank paid them as I had requested. US Bank had a record of my contact with them on XXXX XXXX and the representative actually asked me why I was closing the account. They still have activity on the former account, I have n't used it at all. As far as I 'm concerned it is closed. I sent them a letter that once again told them that the account was closed at the consumer 's request. 
I 'm asking that they closed the account and dismiss all of the charges that they have added. 
Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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:
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. 

Account Name : XXXX XXXX XXXX Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX, Account Name : XXXX XXXX, Account Number XXXX XXXX, Account Name XXXX XXXX XXXX XXXX, Account Number # XXXX and Account Name : XXXX XXXX XXXX, Account Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.

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 2022-10-21
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/22 I visited the XXXX car lot to lease a car, my mom was my co-signer. My mom and I ask the consumers not run our credit more than 3 times, ( We would goes elsewhere to lease an car ) if not approved. I wasnt approved with XXXX, a salesman referred me to another car lot by the name of XXXX. I applied with XXXX with my co-signer, my mom asked them not to run our credit more than 3 times. XXXX ran my credit 27 times. Ive spoken to company, I was told I would have to dispute/take matters in my own hands. XXXX ran my credit 10 times

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
On XXXX I was sent a letter from Lakeview Loan Servicing, they offered me a 30 year fixed loan at 3.25 %. I called and upfront the loan officer said that they did n't offer a loan like that for a loan of my amount, I stated to him that they came to me with this offer with the loan amount on the offer. After a couple of days of back and forth with him they decided to keep their word and do our VA XXXX at the previously stated 3.25 %. They also stated that there was no loan origination fee 's, credit check, no appraisal, no income verification, and once we signed our loan documents acceptin the offer we would close on the loan mid XXXX. Yesterday I was received a letter stating that my loan was denied due to credit unworthiness, now if there is no credit check how am I being denied for credit unworthiness. I was upfront with the loan officer and stated I was injured at work and was in the process of preparing for XXXX. He assured me that the loan was going to close in XXXX. Now I called him today XXXX XXXX to find out what the issue was he said hat the credit underwriter denied the loan due to a late payment on my current loan in XXXX, I stated that the VA XXXX guide states there is no credit underwriting for this loan so how is it that they are the ones denying my loan. That 's when the conversation switched from his company 's unfair practices to a personal attack on myself. He said that I am still have an issue questions my integrity, as a veteran that is a huge issue for someone to call my integrity into question for simply asking for answers as to why they are differing the procedure from what he himself stated and what the VA website states as to be the normal.

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 2016-03-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
OCWEN gave me a loan modification for my property about 24 months ago but it was unaffordable. I paid it for about a year, but could not keep up with the payments because it was still a very high interest rate. I 've been trying to get another modification ever since to a 2 % rate similar to the government HAMP program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: GA
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. 

Account name : XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX Georgia # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 2015-12-30
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I would like to amend my previous complaint [ Case number : XXXX ] to include recent facts. 
On XXXX XXXX I received a letter dated XXXX XXXX from Discover card. They said I had 10 days from the date on the letter to respond. They had determined that despite the evidence that the company was acting in bad faith and had in fact not supplied me with anything usable for my vehicle, they would return the complete amount to them. I asked for a supervisor, who told me the same thing. She was in Delaware. I called back and asked to speak with a supervisor again. This time she was in XXXX XXXX XXXX. She confirmed the same thing. In fact, she gave me an example. She said that if I ordered a couch, got it home and did n't like it, I 'd have to pay for the return costs. I explained that was not the case here. I was shipped a defective 'package ' that the seller wanted me to pay to return, both shipping and 20 % restocking fee. She reaffirmed that was correct. I gave her the example that I ordered a television set and what showed up was half of a toaster. She reaffirmed that I would still be liable for expenses because that 's what the purchase agreement was. I tried to explain that returning defective merchandise is not even close to " changing my mind about the color '', but she said they had rules and they would not consider anything else. 
I believe that Discover Card is acting in bad faith to my detriment. 
Because Discover Card determined in their letter to me ( dated XXXX XXXX ) on page XXXX that I would have to return the merchandise at my own expense or have my dispute resolved completely in favor of XXXX, I requested and received a RA # from the vendor and shipped the items out on XXXX XXXX at a cost of {$530.00}. Because this action deprived XXXX the opportunity to ship at their discounted rate, Discover Card should cover this expense. Also, since Discover Card will not complete their decision process until after my billing cycle, and my outstanding balance would be negative without this disputed charge, I want Discover Card to remove any interest or late payments charges incurred as part of this process. They should also remove any record of this late payment from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Green Square Company LLC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving disturbing/harassing calls pertaining a debt ( or debts ) not mine since XX/XX/XXXX. Please refer to my prior case number XXXX ] ( XXXX XXXX. 
Since last reported to you, I have received numerous calls XX/XX/XXXX from a company called Premier Recovery Group XXXX. They leave messages indicating they have received formal complaint pertaining a debt and we need to contact them immediately at XXXX. 
Beginning XX/XX/XXXX through XX/XX/XXXX various calls from unknown numbers ; from various states such as XXXX, XXXX ; XXXX ; XXXX and XXXX XXXX. 
XX/XX/XXXX XXXX XXXX ; message from Premier Recovery Group ; final notification, file will be closed and referred out. File No : XXXX. Call XXXX. 
From XX/XX/XXXX to XX/XX/XXXX several calls from XXXX. 
XX/XX/XXXX at XXXX XXXX ; message at request of Attorney General of the State call XXXX. ( call received from XXXX XXXX XX/XX/XXXX at XXXX XXXX ; message at request of Attorney General of the State call XXXX. ( call received from XXXX ) Please note that I have no outstanding debts. I have checked my credit reports and find nothing suspicious. I have not received any correspondence in the mail from any agency regarding any outstanding debt or debts. They are harassing me regarding a debt or debts pertaining to someone from XXXX with a similar name ; different middle initial ; different social security number.

Company response to consumer: Closed
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2017-03-03
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
my son had emergency room service on XXXX/XXXX/16. XXXX agencies billied us, the hospital itself, and XXXX. the hospital submitted a claim to XXXX which was paid. XXXX did not submit their billing to XXXX. i have to buy a new car and saw that i had something on my credit report from Americollect. I called them and they let me know about the second creditor. i contacted XXXX after this and they said that americollect would have to submit the bill to the insurance company. Americollect was not willing to do this and said i needed to set up a payment plan. This should have been done by the original creditor, but it is out of their hands now. Americollect is unwilling to submit the billing to XXXX. This should not be on my credit report and should not be affecting my life the way that it is. Please do something!!

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