BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: IA
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:
During the last 45 days I got 6 hard inquiries regarding one of the credit bureaux ( Equifax ). From the six active inquiries, 4 of them are coming from the XXXX XXXX. The first inquiry had the aim to fulfill the process for accepting a mortgage application ( and it was authorized by writing ). Them, the rest of the three inquiries were unauthorized credit inquiries with no legitimate purpose. The second inquiry is consequence from a lack of professional competence, and the subsequent need to repeat something that has been done previously. The problem is that there is no explanation for the last two inquires and, furthermore, there is also no prior authorization. 
As you know, multiple hard inquiries spread out over a longer than two weeks period of time can significantly damage credit scores and may impact the ability to qualify for a new credit. Furthermore, legally, hard inquiries can not occur without the own permission, which doesn't occur in the last two hard inquiries from the XXXXXXXX XXXX.

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

Complaint:
I attempted to purchase a mobile text gift card through XXXX with my paypal account. The payment did not authorize but it still came out of my Paypal account as a pending transaction. I called XXXX and XXXX told me to contact PayPal. Paypal then told me to call XXXX and tell them to void the transaction because it 's not authorized. PayPal stated they wo n't give me my money back for 30 days. I 've filed several complaints about purchases I have not received or that was not authorized and they wo n't give me my money back. For once I would like my money back after I complain about not receiving an item. The invoice number is 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 2015-10-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Other

Complaint:
We are legally married for more than 10 years. Now I have Walmart store credit card for about half an year. I called Synchrony Bank who issued the card several times to add my wife XXXX XXXX as a joint account holder but they refused. We have same household and marriage certificate and a number of joint credit cards and joint bank account since 2004. It is absolutely unclear why my wife can not be joint account holder and may be only authorized user without supplying her SSN and report to credit story.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Billing statement

Complaint:
Synchrony Bank who have in recent times come to hold at least XXXX of my store credit card accounts habitually ( XXXX times a year for each account ) fail to send monthly statements for my accounts. They claim to have sent them, but I have trouble believing that since none of my others accounts seem to have this problem. When they do send statements they arrive with due dates that are frequently less than a week away and then they claim that the payment made through my bank 's electronic banking system was received late even though the payment is taken from my bank account. Then they charge past due fees that exceed the amount of the payment due and jack-up the interest rates. I believe that they are violating the law on several points and have cost me large amounts of money as well as aggravation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Convergent Resources, Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I sent XXXX  a dispute letter to validate a debt collection on my credit report, and update addresses on my report .I received a response back stating that the debt is valid, and to remove addresses on my report I have to contact the sources directly. XXXX sent no documents from the collection company explaining why. 

I sent a dispute letter to the collection agency ( convergent outsourcing Inc. ) also. They sent 6 pages of online bills with no signature or any proof that the debt is valid. Two of the pages were ads for XXXX  mobile services. 

The addresses I wanted to remove were attached to public records form over 8 years ago.I just wanted to have current information on my 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 2020-03-26
Company: EQUIFAX, INC.
State: MD
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 just applied for a refi for my house and I got rejected because they said I have a 30 late payment on my mortgage. I was on a Forbearance Plan with XXXX from XX/XX/2019 to XX/XX/2019 because the President shutdown the government without pay. XXXX XXXX XXXX XXXX took over the loan on or around XXXX and started a Loss Mitigation Home Modification process. I was making monthly payments and catch up payments while they considered the modification. I just talk to a rep at XXXX and she pulled my account and said there were no missed payments and it should be corrected on there end after XX/XX/XXXX. She put notes on my account and admitted my paperwork from XXXX didn't get transfer over correctly to XXXX. I was not late on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Access Receivables of NC Inc.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had an account with XXXX for internet service. After the end of my contract period, I contacted them by phone to cancel my service. I continued to receive bills and so I notified them by mail twice that I had canceled my service. Since I refused to pay bills generated after I canceled my service, after XXXX 4 months, they stopped billing me and canceled my account. They then sent a package to me so that I could return their equipment. I did so. 

Several months later they contacted me saying that I owed them for the XXXX 4 months of service after I canceled my service and that I owed for the equipment. I informed them then the information I related above. 

Now, they 've hired a collection agency - Access Receivables Management - who is attempting to collect the same invalid debt. I owe XXXX nothing since I always paid my bills in a timely fashion until I canceled my service, and I returned their equipment.

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 2022-04-11
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
My wife had been paying on a debt from GE money. Even though she was paying, they closed her account. She then became XXXX and could not pay. Right after a XXXX injury, they sued her and forced her to go into court with her attorney even though the doctors all documented XXXX. She was coerced into making an agreement for {$25.00} a month, even though the doctors permanently took her off of work. We almost lost the house and we had to take all of our money and pay our debt because our mortgage company went bankrupt and made a mistake on our mortgage. She could no longer pay GE. She tried to contact them through mail for settling the debt and got no response. 

This year, GE money, and XXXX XXXX served my XXXX wife with another summons through our XXXX court.When she got the summons, it was dated months before. It also said she had only 10 days to answer. This document was months old before she received it. See documents and dates enclosed. 

She had been unemployed through documented XXXX, on XXXX assistance and medicaid because she is still and permanently XXXX documented XXXX.She is nearly XXXXdocumented. Belongs to the school XXXX. Documented. 

A few weeks ago, we contacted the court and XXXX XXXX to see how to work this out and start paying again, The court said XXXX XXXX had to drop it or take payments. We then called XXXX XXXX who said they no longer had the debt, but yet they still had the summons that the court said only XXXX XXXX could drop. 

When asked about this recently after XXXX complaints GE says they are no longer GE and are synchony bank who states that XXXX XXXX even have the debt. They are not only trying to get this money from us but so is XXXX XXXX XXXX. XXXX COMPANIES ARE LISTED ON SUMMONS from XXXX district court. 

My wife sent GE {$25.00} and the summons is still in place. I am XXXX from the same accident and also military related XXXX. Recently, I had to file taxes.Enclosed, you will see that I got a letter back from my state saying that due to this summons, I will have to give it to GE. It is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, I was contacted by BP Card stating my card was frozen due to questionable charges. I contacted the Fraud Department and they asked if I made charges to a Racetrac in Florida -- I stated NO and was in Illinois where I reside. They stated they had caught the attempted uses and I would not be charged, and they would send me a new card and number. They sent me the new card and number but when I received my statement, I saw that I was still charged for the XXXX fraudulent charges. XXXX for {$98.00} ( XXXX XXXX. XXXX FL ), XXXX for {$98.00} ( XXXX XXXX. XXXX FL ) and XXXX for {$98.00} ( XXXX XXXX FL ). Each was made on XXXX/XXXX/16. After multiple inquires by telephone and email, I am continually brushed off and the charges remain on my account ( I pay my full balance each month so they had been paid as I always pay in full during grace period to avoid paying any interest ). I have still not received the credit and just get generic responses despite over 60 days elapsing since the charges ( which were caught by their FRAUD department ) were made. There are XXXX of complaints against Synchrony Bank and their various credit cards for such shady business practices and the CFPB should intervene immediately. It is clear that they are trying to avoid making a credit and simply collect the monies which I never charged. As an attorney, I am even more infuriated that a financial institution would do this to their customers as there are XXXX individuals who do not have the skills to advocate for themselves in these situations..

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 2022-09-03
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: Reporting company used your report improperly

Complaint:
In accordance with The Fair credit reporting act the account listed below 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 States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681- XXXX INVESTIGATIVE CONSUMER REPORT States a consumer report in which information of consumers character, reputation, personal characteristics, and mode of living is obtained through personal interviews with neighbors friends or associates of the consumer who have knowledge concerning such items of information and is kept on FILE The accounts that I have listed below that I see on my consumer report are violating my rights and are doing so without my written instructions of consent and the inquiries that are also listed below that I have no knowledge of are also reporting on my consumer report without my written consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with The Fair credit reporting act the account listed below 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 States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681XXXX XXXX INVESTIGATIVE CONSUMER REPORT States a consumer report in which information of consumers character, reputation, personal characteristics, and mode of living is obtained through personal interviews with neighbors friends or associates of the consumer who have knowledge concerning such items of information and is kept on FILE The accounts that I have listed below that I see on my consumer report are violating my rights and are doing so without my written instructions of consent and the inquiries that are also listed below that I have no knowledge of are also reporting on my consumer report without my written consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX OF XXXX 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 an 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 2015-12-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Synchrony bank now owns all of my XXXX consumer credit card accounts! 
In recent months, they have lowered ALL my credit limits down to the current outstanding balance! This shows I have used all 100 % of my revolving credit causing a financial catastrophe for me in relation to my credit score not to mention my creditworthiness for future financial necessities as well as my credit history! I do not know how this company can get away with treating consumers in this manner! I am of XXXX descent. My oldest card I 've had since XXXX. On the majority of them I have been making my payments on time, managing my balances to not use more than 50 % of the credit. The times I may have been late is when I have been unemployed- Currently am. After the credit reforms in XXXX I noticed Old Navy raised my minimum payment from {$90.00} up to {$280.00}! So I discussed with them to work something out, but as usual, they demanded payment or reporting me to the credit bureau. I have worked super hard since my divorce in XXXX to developed my creditworthiness, lift my credit score and done the right things as an educated consumer, but still are loosing against the bureaucracy of these deceptive and advantageous creditors who seem to circumvent every legal consumer credit rule to squeeze every cent they can out of us. Like limiting submission of payments to post to their websites by XXXX on the actual due date or they assess a late charge?!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: I.C. System, 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 is not mine

Complaint:
I ordered XXXX XXXX XXXX Internet and Phone Line Service for my business date XXXX/XXXX/2014 and connected service date XXXX/XXXX/2014 but I did not satisfy with service because the Internet too slow and the phone line had too many strange called in, I had to cancel XXXX XXXX XXXX service and changed to another company is XXXX date XXXX/XXXX/2014 and return all equipment to XXXX XXXX XXXX with in a month of service. XXXX XXXX XXXX sent me a bill to charge for Service and early cancellation {$430.00}, I do n't want to pay that amount because and canceled XXXX XXXX XXXX service with in 30 days with no fee, now XXXX XXXX XXXX sent it to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: FEDChex Recovery, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a debt collection notice from a collection service, on our around XX/XX/2022 The amount of the debt to be collected is {XXXX} In the notice I was informed that I needed to contact the collection agency by XX/XX/2022 to stop the disputed charges. 

I immediately contacted the collection agency to dispute the charge. I also asked for billing records from the creditor. After reviewing the billing records, it is my belief that I owe a balance of {XXXX} that I am happy to pay. 

I contacted the collection agency via email on XX/XX/XXXX and told them I believed I owed the amount of {XXXX} On XX/XX/2022 I sent a follow up email indicating that I was waiting for a reply. 
On XX/XX/2022 I sent a second follow up email indicating that I was waiting for a reply. 
On XX/XX/2022 I sent a third follow up email, stating I had been trying to resolve the dispute for over two weeks, and that I had not received any response to the information I had provided. At that time I inquired if I should consider the matter closed. 

I obviously wasn't going to receive any information from the collection agency. I then contacted the collection agency by phone. I told them that I had been attempting to resolve the issue for over two weeks. During this phone call, the collection agencies agent informed me that the creditor had up to thirty days to respond to my dispute. 

I called the collection agency today. It has been five weeks since I filed the dispute. 
The collection agency told me that the matter was " on hold ''. I stated that I was given a certain time to respond to the initial collection notice, which I did, and that the creditor had a specified time in which he needed to reply, which he failed to do. 

It is my belief, that since the creditor failed to respond in the specified time, that the matter should be dismissed. I feel that the collection agency, FCR is acting unfairly by allowing the creditor more than the thirty day response time. 

I would like to mention that the creditor went out of business without any notification. I had never received a bill or late notice for the amount in question. I also have approximately 15 emails that document the billing problems I had with the creditor in a two year period

Company response to consumer: Closed with explanation