BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-19
Company: EQUIFAX, INC.
State: NM
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:
XXXX is reporting that a loan I was delinquent on was refinanced, therefore in good standing. The last activity on the loan was in 2009, when I stopped paying it. The loan was never refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: CA
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 did not authorize nor consent to the following inquiries being furnished on my consumer reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX and XXXX - XX/XX/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 2022-03-15
Company: ALLY FINANCIAL INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
I have lease with Ally Financial. On XX/XX/2021, I got a late payment because I had contracted XXXX and I was in the hospital for more then a month. I was fighting XXXX for my life, if I didn't contract the XXXX, I would never get a late payment in my life. The lender doesn't want to be understanding and work it out. They told me it was late and and I can't change that even though I had no way to pay it off on time while hospitalized.

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 2022-03-15
Company: Experian Information Solutions 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2016-09-27
Company: Crow Creek Sioux Tribe
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
In deciding whether to categorize it as a payday loan or installment loan, the issues that best describe the problem falls under the payday loan category. The company claims to be an installment loan provider ( yeah, right ). The installment loan which is setup and works the same as a payday loan, high interest rate and requires payment of interest on each payday. They just have it setupover a longer period and the entire principal and interest is not due on paydays only the interest payment. It is a revolving payday loan, not an installment loan. The company is not licensed by the State of Florida as I am a Florida resident. I did n't realize this until after I took the loan out and tried to make settlement arrangements and was unsuccessful. The loan process was conducted over the internet not on the tribal reservation. I did not realize the high interest rate and terms of the loan was not in compliance with Florida regulation. After experiencing a financial hardship, I contacted all of my creditors to make payment arrangements on loans I owed, I was successful in getting settlements based on the amount of the loan not the high interest rate and all of them stop the interest rate or cancelled the interest except this company. I borrowed {$770.00} on XXXX XXXX, 2016 and made XXXX interest payment of {$230.00} on XXXX XXXX, 2016. I contacted them via phone on XXXX/XXXX/2016 spoke with XXXX, they informed me the following was the only arrangement they would accept and followed up via email as well. They told me my balance was {$4400.00} and they would settle for {$2200.00} and I would have to sign another ach authorization for them to debit payments. They claimed to have soverign immunity however I have immunity as well from tribal laws as I am not a member of the tribe, did not conduct business and never been on the tribe reservation. Therefore, I do not have to abide by tribal laws. I have tried on several attempts to settle the debt for the amount borrowed. They want a prearrange amount for the entire contract amount including interest through the duration of the loan period. This is a very illegal and unfair debt collection practice.

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 2017-02-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
Over paid Synchrony Bank {$1200.00} after a stop check payment failed to attach. Called Synchrony Bank on XX/XX/2017 and they said I had to wait 10 days for the overpayment check to clear and another 2 weeks to process reimbursement to me. I do n't understand why a financial institution would take two weeks to process reimbursement. It seems like it 's a great way for a financial institution to collect interest on money that does not belong to them. The women I spoke with did not provide any type of confirmation number to evidence that the request had been made and that reimbursement would follow according to schedule. I am submitting this complaint in the event other Synchrony Bank customers are experiencing similar delays and also to ensure that reimbursement will occur as promised.

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 2016-12-09
Company: Perfection Collection
State: UT
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 check my credit report because i needed a good and well somehow the company that " claim '' i " owe '' certain amount is showing on my credit i proceed to dispute the account since I do n't have any clues as to how or why I 'm been ding on my credit. the response i get from the credit bureau ( XXXX ) is that the report will remain. i certainly do n't agree with that due the lack of authenticity from the company that is making the claim. I 'm not willing to pay for something I did not ask for there is not way i have this company in my archives as part of my monthly billings not now not in the past. I need and want this company to stop fraudulently claiming is me or assuming is me when is not. This need to stop and my credit restore they think that they can intimidate us but I believe in the system. i believed they are in violation of many FCRA rules but since is really hard to know all the rules with out an attorney this is the reason I 'm recurring to my closest resources. I even think the FTC my have some say on this. but i will refer to the correct channel whichever is recommended.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-01-13
Company: ACS Education Services
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My ACSXXXX loan is being reported as charge off on my credit reports. 
This account has been paid since 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
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: Information belongs to someone else

Complaint:
last XX/XX/2021 I've sent a letter about those accounts that were fraudulently used without my permission. and It results to have a low credit score which stresses me so much. I felt so embarrassed and In need of help to resolve this issue. I already contacted credit bureaus and furnisher it almost 30 days now but no response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted the original account holder. They in return told me to contact the collection agency. I sent the collection agency the police report showing the phone was stolen in XX/XX/2021 when i suspended service. The collection Agency stated once they receive the police report they will take the collection off my account. I have been reaching out them them and have been getting the run around.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Monterey Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The agency continues to attempt to collect a debt that is not mines. I have not cosigned for any loan and had a fraud alert on my credit for the past two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: APR or interest rate

Complaint:
I applied for a Sam 's Club/Synchrony card XX/XX/XXXX for a promotional purchase for one year interest free. At the time of application, I was told I was declined. However, a week later I received a paper stating that I was accepted and should be receiving my cards soon. The only reason I applied was for this promotional purchase, which I ended up putting on another card. When I called Synchrony, I was told that if I go into the Sam 's Club and have them re-bill my new card with the purchase, I could then call in and they would apply the promotional rate. So I did this and called back Synchrony. Now, they are telling me that the promotion ended XXXX XXXX and my purchase was on XXXX XXXX, so my rate will be 23 % instead of the 0 % interest for 12 months. But my purchase was really in XX/XX/XXXX and I do n't know why I was told I was declined. The first customer service agent I talked to tricked me into thinking they would honor the promotional rate if I called back in to get it fixed. Now, I 'm stuck with a purchase at a 23 % interest rate. Had I known they were not going to honor the rate they promised, I would have cancelled the card. But I think they told me they would honor the rate so I would keep the card and be stuck with their 23 % interest rate. They offered me a {$50.00} credit as an " I 'm sorry '', but that is unacceptable given the 23 % interest rate over a year. I would like them to give me the promotional rate of 0 % for 12 months, which they promised me, which is the only reason I keep their card.

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 2016-05-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
my bank, Fifth-Third, charged me XXXX overdraft fees based on processing transactions from most to least. the total amount of my overdraft was less that the total amount of XXXX of the transactions, but because of how they process their transactions, I received a {$110.00} fee for overdrafting {$13.00}. I will provide screenshots of my account as proof. at the end of monday night, we had {$56.00}. tuesday we were overdrawn the {$13.00}. wednesday we were hit with the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: NJ
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:
Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. DEPARTMENT OF ED/XXXX XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$6700.00} ; {$5600.00} ; {$1100.00} ; {$1000.00} ; {$7700.00} ; {$3900.00} ; {$7900.00} ; {$2600.00} ; {$10000.00}, {$2000.00} ; {$14000.00} ; {$24000.00} of this loan have competed the rehabilitation process. Delete now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: CERTIFIED COLLECTORS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CERTIFIED COLLECTORS XXXX XXXX XXXX XXXX, TX XXXX USA is reporting on my credit report false data and I disputed multiple times and called multiple times to have them provide proof and I have call XXXX  XXXX  client and they dont have any proof or information so how is it I still take my animal to XXXX  and they still being seen there and I have a XXXX balance on my account if I owe certified collections is just doing anything and everything to get money out of me on top of it I have a phone recording of them telling me I have to pay all my collection account off before they will report one paid off XXXX   XXXX  XXXX  said they sold there account to certified collections We have been use XXXX XXXX for 8 years now and I have spent in one year over 11,000 on vet bills and I keep all my receipt and proof of payment so Show me proof it my bill or remove because I have proof it NOT MY BILL and nor will i settle or pay because it not my bill 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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. DEPARTMENT OF EDXXXXXXXX XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$6700.00} ; {$5600.00} ; {$1100.00} ; {$1000.00} ; {$7700.00} ; {$3900.00} ; {$7900.00} ; {$2600.00} ; {$10000.00}, {$2000.00} ; {$14000.00} ; {$24000.00} of this loan have competed the rehabilitation process. Delete now.

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 2016-01-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Syncrhony bank payment history of false penalty of 30 day late notice : 1 ) Paid {$30.00} dollar payment on XXXX/XXXX/15 2 ) Late fees charged on XXXX/XXXX/15 equals {$35.00} 3 ) Interest charged on XXXX/XXXX/15 equals {$2.00} 4 ) Payment due on XXXX/XXXX/15 equals {$44.00} 5 ) Paid full balance on XXXX/XXXX/15 of {$140.00} Synchrony on XXXX/XXXX/15 put a negative 30 day non-payment on my XXXX credit report. Total time between XXXX/XXXX/15 and XXXX/XXXX/15 equals 12 days, not exceeding the 30 days late period. 

I see many negative reports regarding the business practice of this company in regards to customer service and billing. I 've held a XXXX plus credit score for many years only to have this company drop me by XXXX points due to their unethical business

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been reviewing my consumer report in its relationship between I, XXXX XXXX, and you TRANSUNION and I've noticed unauthorized inquiry 's on my consumer report. 

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 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 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 2016-08-16
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There is a fraudulent charge on my account that occurred during the time my account was serviced by XXXX. However, XXXX has been very helpful each time I have spoken with them and verified that the information and duties are now with XXXX for my XXXX XXXX XXXX card. XXXX was about to put me on a 3 way call with XXXX twice and helped me explain the situation, both of these times the representative looked at the account and then informed me that I needed to be transferred to another department. During both of these calls, as soon as the XXXX rep left the line the Synchrony rep became rude, then one of them transfered be back to XXXX customer service instead of the Synchrony fraud department as they said they were doing, the other said they were transfering me to the Synchrony fraud department and instead just hung up. They refuse to allow me to report the fraud that happened in the amount of {$3600.00} on XXXX/XXXX/14.

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 2016-05-03
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Based on the documents synchrony Bank has provided none of the documents has my name on it but a account statement and a delivery receipt..A check with with XXXX XXXX name on it showing the last payment made. Loan agreement sign by XXXX.The guy at rooms to go ask for my personal information so i would be able to sign for the furniture if XXXX XXXX was n't at home he also advise that i could n't apply for a loan or cosign because i was unemployed at the time.Once the loan went delinquent Rooms To Go, Ge Money Bank, Synchrony Bank did whatever they wanted to with my personal information after i was advised by Rooms To Go it would only be use for delivery purpose only.I have uploaded supporting documents showing who is liable for this debt. This was a walk in purchase from Rooms To Go store XXXX XXXX XXXX, XXXX XXXX XXXX, NC.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 2016-12-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Lost my card and there was unauthorized charge of {$500.00} from XXXX. Issuer denied my claim due to similar charges I had on it before. I buy giftcards at XXXX every month and pay my bills every month. So why will I suddenly make a fraud claim for that charge?

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 2022-03-15
Company: Experian Information Solutions Inc.
State: NJ
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 [ Account # XXXX ], XXXX XXXX XXXX XXXX  XXXX Account # XXXX ], XXXX XXXX  XXXX [ Account # XXXX ], XXXX [ Account # XXXX ], XXXXXXXX XXXX XXXXXXXX [ Account XXXX XXXX ], XXXX [ Account # XXXX ], XXXX [ XXXX ], XXXX XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX XXXX [ Account # XXXX ] XXXX and XXXX XXXX XXXX  [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2016-09-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We took out a XXXX balloon equity mortgage which was due to mature in XXXX. We paid interest only and the principle was due upon maturity. According to the contract, HFC ( XXXX Beneficial Finance ) was to send us notice 90-days prior to maturity. While we never received that, we thought, maybe it was a XXXX loan which would mature at the same time as our first mortgage, but never questioned it. We were tricked into paying this for an additional 6 years because we were consistently being billed. When they contacted us for the principal, in XXXX of XXXX, they informed us we had until XXXX, XXXX to pay it. ( Thus the XXXX notice. ) I was able to locate all of the original documents at which time, I noticed it should 've been called in by the company in XXXX, XXXX! I want all of my overpayments refunded to me! That was 6 years in interest charges. It amounts to almost {$40000.00}!!

Company response to consumer: Closed with explanation