BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX  XX/XX/2022, between the hours XXXX - XXXX my XXXX  located a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX # XXXX ) that was advertising an adoption for a puppy. The cost was {$300.00} each for a puppy that was vaccinated with paperwork. She negotiated the price down to {$100.00}. My wife then used her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in her phone and sent XXXX {$25.00} in earnest to hold the puppy until we were to meet XXXX at a XXXX XXXX out side of XXXX, XXXX. During such time My XXXX  tried to close the deal over the phone by paying XXXX the XXXX paper transfer fee '' of {$33.00} so that XXXX could release the puppy to my XXXX. My XXXX  tried for 3 hours to send over and over again the {$33.00} without success. She tried sending it in different amounts using PayPal " family and Friends '' and XXXX XXXX along with her XXXX XXXX. The amounts are these : PayPal credit : {$290.00}, XXXX XXXX {$400.00} and XXXX {$170.00}. We have screenshots of all the transactions as they were taking place in real time. This is our evidence. Later once we arrived home, we started to look into XXXX account of XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. All were gone! We then tried to contact my voice using the phone numbers from the cash app accounts. Both had been disconnected. We then tried to email the scammers. The emails went unanswered. It was then, when we read about the Pet/puppy Deposit Scam. We got a rude awakening and a fast education. We tried to resolve the matter with the credit union in which we are both members of and under Mastercards rules were denied chargeback of the amount of {$260.00}. PayPal closed their investigation on account of their being an investigation going at the same time with our XXXX  as did XXXX. We have not heard from XXXX at the time of this writing. SO far, they have taken the {$400.00} out from the account balance owed in lue of their investigation.. It would seem that everyone involve who perpetuated this scam have gone into the wind. We are left with dead ends as far as contacting them and {$960.00} poorer. Please help us with the crediting back of the loss. 

The suspected bad actors in this case are : 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 2015-09-08
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Proof never received and I made many attempts to settle and pay half and payment was returned to me after they agreed to accept it. I disputed from the start and this is on my credit report. Florida statutes state that I am entitled to proof of the fees and issues. I am being charged appox. {$200.00} interest on a disputed collection account. I moved out of the apartment and was charged for water drip marks under the stove top, XXXX approx. {$40.00}, cleaning bathroom counter ( approx. {$40.00} XXXX {$600.00} for carpet cleaning. I asked to provide proof of expenses and issues they are claiming. I have pictures that show I left it in " clean '' condition and carpet cleaning was done by me prior.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Last year I disputed entries on my credit report and they have now been reinserted as if new. I called XXXX and they have said they have no records on file. I have contacted the other entries and they readily admit the accounts are over 7 years old but claim they are active. this obviously make no sense. The credit bureaus are responsible for this fraud and should be sued in a class action. I am sick and tired of every 6 months the same entries keep reappearing even though some are over 10 years oldAlso even though i have submitted a XXXX bureau credit report to these people they play this sick game of sending me a letter claiming they cant verify my identity. THEY NEED TO BE PUNISHED. An identity thief would n't waste their time doing me a favor like that. This a sick game they like to play rather than just doing the job like the law says their supposed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: NY
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 Account # 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

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 2016-06-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Attempting to dispute issue with Equifax credit reporting company but have been unable to process. 
This account was Legally paid in full for less than the full balance several years ago through XXXX XXXX. 
On XXXX/XXXX/16 I submitted a consumer credit complaint but the issue was only corrected with the XXXX Credit Reporting Agency still showing on my Equifax & XXXX Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. 

XXXXXXXX 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 HAS violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. Section ( A ) ( 5 ) 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 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) states 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 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 2022-11-22
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:
XXXX missed payment XX/XX/2022 XXXX. XXXX XXXX XXXX does not have a contract with and has failed to validate Contacted tjem and failed they to provide evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Recovery Solutions , LLC is writing to me on behalf of XXXX XXXX XXXX, XXXX for a debt they claim I owe to XXXX XXXX XXXX with account number XXXX. I do not have knowledge of this debt nor have I contracted services in the amount of {$330.00} with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax deleted a positive trade-line on my bureau report prematurely. I have made several attempts to contact XXXX Equifax and the original creditor about reinstating the trade-line several times. Each entity claims there is nothing they can do on their end and blames the other for the issue. I have spent countless hours trying to resolve this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I subscribe to XXXX XXXX which is a joint venture of XXXX XXXX and Equifax. 
I am presently applying for a refinance mortgage on my primary residence with a local lender. 
The lender asked me, " what is your credit score ''? I pulled XXXX XXXX ( screen shot provided ) from my smart phone and I responded " XXXX and XXXX - XXXX XXXX and Equifax respectively ''. 
Lender pulls my credit and the scores are XXXX XXXX XXXX a XXXX point difference and XXXX Equifax a XXXX point difference. 
These companies are misleading consumers with incorrect credit scores which in the end impacts the pricing on my mortgage. 
By the way, both the screen shot and credit pull was done the same day - XXXX XXXX, 2015. 
Requiring accurate credit scores to be reported to the consumer without large differences should be an absolute requirement of the credit bureau repositories.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: CITIBANK, N.A.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Best Buy Citibank bill is due on the XXXX of every month and I missed my XXXX payment on XX/XX/XXXX. So I paid it on XX/XX/XXXX. I was charged a late fee, which is acceptable because it was late. So in order for my XXXX payment to not be late, I paid it on XX/XX/XXXX. I paid {$200.00} of my {$170.00} minimum XXXX payment on XX/XX/XXXX. Then I paid {$200.00} of my {$170.00} minimum payment on XX/XX/XXXX for my XX/XX/XXXX payment. But when I went to confirm that I didn't need to make a payment on XX/XX/XXXX, I had a minimum payment due. What?! So I called them and they said that it was because the payment was made in the XXXX billing cycle that runs until XX/XX/XXXX it can't be applied to the XXXX minimum. Huh?! So their policy is my payment is due on the XXXX. Late payment applied if not paid by XXXX. But if I make another payment before the XXXX, it is still in the billing cycle of the month I just paid in. How is my payment on the XXXX late if it is still in the billing cycle??? If my payment on the XXXX is late, then how is my payment on the XXXX not on time for the next due date? That is shady!! -- -XX/XX/XXXX {$170.00} due. -- -XX/XX/XXXXcharged {$39.00} late fee for no payment on the XXXX. -- XXXX XXXX paid {$200.00} for late XXXX payment. -- -XX/XX/XXXXpaid {$200.00} for XXXX bill due on XX/XX/XXXX. -- -Notice from Citibank another {$170.00} due for XX/XX/XXXX. -- XXXX XXXX charged {$39.00} late fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX XXXX XXXX, successor to XXXX XXXX XXXX, Raush, Sturm, Israel, Enerson & Hornik , LLC, their attorney in Texas, XXXX XXXX XXXX, appointed receiver, XXXX XXXX XXXX, XXXX, and XXXX XXXX -- - My XXXX XXXX account was frozen by appointed receiver XXXX XXXX, and my entire funds of {$1500.00} liquidated with no prior notice given. Supposedly I was served on XX/XX/2011 ( 5 1/2 yrs ago ) @ XXXX XXXX XXXX XXXX , XXXX , Tx - address of XXXX, a grocery store where I have never worked. I was not served nor contacted prior to this action. 

The frozen money is the only money I have to pay mortgage, utilities, gas, and food. This past summer, XXXX. I was XXXX for 2 months. I have a XXXX and will need additional XXXX. I am unable to work, my wife is my caretaker and I have other medical issues that affect my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In XX/XX/XXXX we received a notice from Navient that my wife 's student loans were past due. I am a cosigner on XXXX of XXXX loans. The loans were taken XX/XX/XXXX-XX/XX/XXXX. My wife has been in school half time since then, but has switched schools a couple of times and is still in school at XXXX XXXX XXXX University. We requested the promissory note and it clearly states that as long as she is I school at least half time, they will put the loans into forbearance. We have pointed this out several times to their collections and Ombudsman ( who is in their collections department ) and they can only state they have a policy that all private student loans are to go into repayment after 48 months. Nobody looked at the agreement, not even the Ombudsman who told us he was instructed by his boss to tell people they just have to pay, no matter the circumstances or agreement, to get those people to pay. We requested their Customer Representative investigate, received a voicemail a month ago that they would, but have heard nothing since. We have been harassed by phone calls/emails/letters and Navient has put negative entries on our credit reports preventing us from buying a house. I requested multiple times the written 48-month policy and was told nothing is written. I 've also sent them a certified letter requesting documentation for which they have not responded. I sent a certified letter to forbid them from calling me as they were interfering with my work. The person who last called me read the promissory note I uploaded to their site and could find nothing supporting they could force repayment. He still stated they had told us numerous times we had to repay, so we needed to just pay. We have no intention to not repay the loan, but as per the promissory note we both agreed to, not be an undocumented policy that is in direct conflict with the note.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i was XXXX i am low income filled out charity pay to pay for it never recieved a bill and meade and associates have violated the law i believe they are listing XXXX info on my credit report i believe this is illegal also trying to collect a debt i dont owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-11-22
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am off work on medical leave with no pay due to XXXX XXXX XXXX and have been off for three months with XXXX income and don't know when or if I will be able to return. I have XXXX savings and no money. Yet Synchrony Bank Care Credit and Synchrony Bank Home and XXXX XXXX credit card companies have continued to CALL AND SEND REPEATED ROBO COLLECTION CALLS TO MY PHONE DAILY EVEN AFTER I TOLD THEM THREE TIMES AND ALSO HAD A LAWYER TELL THEM THREE TIMES TO 'CEASE AND DESIST!!!!! I also NEVER gave them my authorization to contact me by phone or email at all and specifically said they could only contact me by mail prior to that yet they have done the opposite!!!!! They are breaking every FDCPA law ever written, make them Stop 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 2021-09-30
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX at XXXX I placed a grocery order with XXXX online. Their software malfunctioned. The order didn't go thru, no email, no order #- it was a 'ghost order '. 
But immediately, {$190.00} was pending on my Discover credit card. 
I spoke to XXXX XXXX in XXXX billing. She tried very hard to have Discover remove this charge. She placed a 3-way conference call to Discover. XXXX from the XXXX call center was took the call. XXXX identified herself as an agent from XXXX billing. She asked him to remove the {$190.00}. She told him it was not a legitimate charge and the billing dept would not claim this amount. 
He was extremely rude. He hung up on us. 
XXXX called back. The next rep hung up on her. XXXX called back again. Discover blocked her phone # because the call wouldn't go thru. 
XXXX told me XXXX billing has problems dealing with Discover ; the same problems I'm having. 
All other credit card companies ( banks ) remove the charge after 24 hours if the merchant doesn't claim it. Discover credit holds onto a charge for as long as they can, which is 10 business days. 
THIS NEEDS TO STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Sonnenschein Financial Services, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have owned this timeshare with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  since   XXXX  . At the time of the purchase the sales reps told me it would increase in value. This, they told me, was a certainty. At the time of purchase the sales reps also told me I would be able to sell it with no problem. The timeshare is now paid for. I have tried to sell it on mor e than one occasion. These attempts have resulted in further monetary loss and no sale. The two  big selling points for me have proven to be lies told by the sales reps to make the sale. I am now  XXXX   years old.  I am no longer able to travel and can no longer use this timeshare for a multitude of reasons. Because I can not sell it and the maintenance fees have proven to be a hardship, I want the contract canceled now.  XXXX  will be able to put this timeshare back in inventory and sell it again. It is to their financial advantage to do so. They will have revenue from the sale, the mortgage, maintenance fees, and other fees that I will not be paying for any longer. I want the paperwork to cancel this timeshare. I have contacted them about relinquishment but they refuse to listen and furthermore state that they do not accept relinquishment. My last letter to  XXXX  and  Sonnenschein Financial was mild and considerate and nice in my elderly-lady way. Sonnenschein Financial  is demanding I pay maintenance fees and other fees on this timeshare I have owned for 25 years. I am not paying anybody anything. The timeshare is paid off. It is paid for. I owe no more money on the contract. It is paid in full. There is no past due amount as the note is paid in full. I own this. It is mine. Paid. Off. I am not paying the maintenance fees. I am not paying any fees ever again. I will accept the  Mutual Release they spoke about in their last letter with these provisions : 1. I will pay them no money. 2. They will not damage my credit in anyway. 3.  I ask for no refund since I have had this timeshare for 25 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 2020-04-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/XXXX see attatched Reported by XXXX account ( XXXX ) WAS account ( XXXX ) ** SOLD TRANSFER/SOLD see attatched XXXX XXXX CANCELATION OF DEBT ** DEBT DISCHARGED {$9.00}, XXXX XX/XX/XXXX XXXX REPORTS TO IRS FOR FINANCIAL GAIN THEN SELLS ACCOUNT?? I HAD TO PAY THE {$9600.00} IN TAXES. see number on form call more information XXXX XXXX XXXX it is a XXXX number that says ANYONE COLLECTING ON THIS DEBT IS ILLEGAL.?? XXXX CONFIRMS THIS ACCOUNT IS NOT OWED TO IRS IS DELIQUENT TO CREDIT REPORTING & SELLS THIS DEBT CARDHOLDER NOT LIABLE? XXXX HAS DESTROYED MY CREDIT. AND SOLD FRADULENT GOODS.

Company response to consumer: Closed with explanation