BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I owed {$29.00} to J.C. Penney ; due XXXX XXXX, 2016. I logged on to my account this morning, XXXX XXXX, 2016 to pay in full and now I owe {$58.00}!? A late fee equal to my total due amount was added. That 's XXXX right? Is that legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-18
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed {$300.00}, for 1 month and paid {$190.00} for interest which is outrageous. And made payments every 2 weeks. This is the highest I have paid. This company needs some checking into. It is the Cash Store.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Credit Limit {$500.00}, Date Opened : XX/XX/XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-11-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late as reported in my Equifax credit report. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: CNG HOLDINGS INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been disputing this supposed debt for years not to mention that it is a debt that was from identity theft. Also they say the account was opened on XXXX the XXXX 2019 which is clearly a lie because i was in the hospital after having complications for a XXXX which led me to go back to the hospital XX/XX/XXXX so i dont know how i could have possibly commited this fraud!! This company want listen but they will call and harrass you about a debt that is not even your even when you try to explain the beome XXXX and wont listen but will call you XXXX plus times a day to collect money that you do NOT i repeat DO Not OWE THEM!! WHY NOT LEASE XXXX/TEMPO  IS THIS COMPANYIES NAME TWO NAMES MEANS SOMETHIG IS VERY SHADY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: PA
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  Accounts # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Back in mid XXXX of 2015 my listing went under contract. The buyer agent had sold me on the broker with Geneva Financial, a XXXX XXXX XXXX # XXXX, would be able to accomplish the deal. As the transaction proceeded, the bank who I represented agreed to do repairs to the roof for financing purposes. The finance broker agreed to pay for the buyer repairs. He the broker said he would build it into the loan. I verbally said, OK and he proceeded to have a firm enter and do work in the amount of {$3500.00}. Originally we were to close on XXXX/XXXX/15, and it was then extended to XXXX/XXXX/15 from broker request to finish up. Well it was still not meeting that close date as his people were not done or he had to anticipate other factors. I do remember the turning point was when his camp all of a sudden said they were ready to close and needed an addendum putting the XXXX vendor repair costs on the seller side to be approved. My asset manager said no way, that we had only approved for the roof. Well from that point on it got dragged out until I called the CEO of Geneva Financial and reported him. He made changes and we closed in one week. The bad behavior was his stalling tactics keep all parties with no direction for over three weeks. Well fell out of contract due to his in action. Also rude treatment of the buyer agent pitting her against the buyer who she had worked with for over 2 years. Also the escrow officer had to know the status and he 'd never return phone calls. Absolute rude, fowl language along with no follow up to anyone in the actual parties to successfully close. Buyers agent has XXXX or XXXX other deals with this guy so he 's treating her badly as he knows he can control the way the financing goes with them. I will never use nor recommend this broker to anyone and he should be investigated for the behavior alone. To end the buyer had over 30 days to wait because of his stalling tactics. I accused him early on that he was holding hostage the loan for his own benefit thinking someone would pay the {$3500.00} that he had some idea would go on the other side of Hud statement and no one would detect, what an XXXX. 
Completely unprofessional in that he 's not truthful, lies and abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: National Consumer Telecom & Utilities Exchange, 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:
I contacted XXXX PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] to please place a security freeze on my information. I did not consent nor authorize XXXX XXXX XXXX - NCTUE or anyone employed by this company to the share my information to the public, specifically with data aggregators who are looking to collect information on my behalf. This is a major violation of my privacy rights and demand to have my entire credit file REMOVED from their data institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have recently been informed that there is negative information reported by XXXX, XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Past Due 150 Days account closed. I am unaware of Past Due 150 Days Closed with this company. I contacted this company via certified mail asking for validation of the debt without a response over 45 days. 
Please validate this information with XXXX, XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2020-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In Mid-XXXX, I contacted the IRS about where my stimulus check was. They informed me that someone in XXXX  has been submitting taxes on behalf of my XXXX since 2015 when I graduated university. I file paper tax returns as I live aboard and it's easier for me that way, but this person has been doing it electronically. I have since filed the appropriate documents to correct this with the IRS. I checked my credit score to find loans and etc that do not belong to me/I have never applied for. Additionally, the name is not my name on my credit score. I do not have XXXX in my first name nor do I have a middle name. In addition, I have never lived in XXXX like this person does. I don't even believe I have been to XXXX  other than when I was 4 as we were going to XXXX on a family trip. In addition, since 2015, I have lived in XXXX after graduating university in XXXX. I want this person eradicated from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: BARCLAYS BANK DELAWARE
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:
In Mid-XXXX, I contacted the IRS about where my stimulus check was. They informed me that someone in XXXX  has been submitting taxes on behalf of my XXXX since 2015 when I graduated university. I file paper tax returns as I live aboard and it's easier for me that way, but this person has been doing it electronically. I have since filed the appropriate documents to correct this with the IRS. I checked my XXXX XXXX to find loans and etc that do not belong to me/I have never applied for. Additionally, the name is not my name on my credit score. I do not have XXXX in my first name nor do I have a middle name. In addition, I have never lived in XXXX  like this person does. I don't even believe I have been to XXXX  other than when I was 4 as we were going to XXXX on a family trip. In addition, since 2015, I have lived in XXXX after graduating university in XXXX. I want this person eradicated from my credit score.

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 2016-06-14
Company: Razor Capital, LLC
State: MI
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 'm being sued by a predatory debt collector .they claim to have purchased a debt that they say is mine. They claimed to have purchased debt in XX/XX/2016 and are suing me as of XX/XX/<YYYY> XXXX. I never had this debt, it has never appeared on my credit report before.the dates they give place me living with my parents at the time and I did n't have a utility bill in my name while living with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is a formal complaint and request for an immediate cancellation of the schedule foreclosure sale date on my property. I am asking for your protection intervention and investigation on this egregious matter. XXXX mortgage C/O PHH Mortgage services have acted in bad faith, every time I have submitted a Loan Modification Application I have been given notice of sale notices and I have been told that my application will not be reviewed. These fake debt collectors, have not verified with my consumer request and validation notice file with the XXXX county clerk 's Office on XXXX XXXX, 2016. XXXX mortgage C/O PHH Mortgage services failed to validate the alleged debt with the original creditors with true and certify signed original contract, and through audit certification of debt entry in accordance with XXXX, and XXXX. Not to mentioned that the debt was paid in full once the 60 days of default of payment The PMI paid the total balance, and in each assignment of mortgage thereafter money was being circulating supported of my signature, also with the government plan bail out ... .which supposedly was design to help home owners ... ... and XXXX mortgage C/O PHH Mortgage services after all this monies received on my signature wants to sell my home??? Outrageous PLEASE HELP ME STOP THE SALE OF MY HOME!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2021, I contacted Experian about the following inquiries ; XXXX  XXXX Inquiry on XX/XX/2021, XXXX XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2016-11-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
My husband and I have a joint credit card with USAA. We had mistakenly thought we made a payment on it, and we had not. Our mistake lead to us somehow going only XXXX dollars over the " limit '' which I 'm not sure why they allowed in the first place. Instead of contacting us to inform us that we were over the limit, which we would have payed instantly, they reported it to the credit bureaus and our scores have both dropped by XXXX points. Upon trying to contact them to resolve or dispute this issue, I was transferred around in circles between USAA and XXXX for XXXX minutes, and could not find a single person to explain why it had happened or provide any type of resolution for the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I previously disputed a lien on my Equifax credit report that has been paid and is still showing on my report. I have attached the proof of payment of this lien. Please remove this lien from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
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: 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 2022-05-29
Company: EQUIFAX, 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My bank refuses to prevent future payments to XXXX XXXX XXXX. They insist that the only way to fix this is to cancel my current card and have them send me a new one. 
For the past two months XXXX XXXX XXXX has tried to charge my account {$370.00} even though I no longer use XXXX XXXX XXXX. On XXXX XXXX XXXX charged my USAA Mastercard debt card {$370.00}. A few days later I contacted USAA and informed them 2 things : 1 ) this was an unauthorized charge and 2 ) USAA was not to pay XXXX XXXX XXXX any future payments from my account in the future. USAA said that it would be best for me to cancel my current card and they would issue me a new one. I told them that no, I 'd prefer to keep my current card and that they should simply just not make any future payments to XXXX XXXX XXXX. 
On XXXX XXXX USAA refunded the {$370.00} and I assumed that everything was ok. 
However, on XXXX XXXX, the same thing occurred again- XXXX XXXX XXXX charged my {$370.00}. I again called USAA and explained the situation once more. After and hour of hold time, discussions, and USAA telling me that the only solution was to cancel my card, I asked to speak with a manager. They submitted a request to a manager who just called me back. She told me several things about who the bank has a contract with Mastercard, how the bank could n't possibly predict what day XXXX XXXX XXXX would try to make the charge next time ( I responded that we should just assume it was going to be a weekday so please do n't let XXXX XXXX XXXX make the charge on a weekday- but also let 's include weekends just for good measure ) or how they did not want to interfere with the bank 's relationship with either the charging company ( XXXX ) or with Mastercard because that would then affect the relationship that all USAA members have with those companies. 
I then pulled up your website and we discussed its content. 
http : //www.consumerfinance.gov/about-us/blog/you-have-protections-when-it-comes-to-automatic-debit-payments-from-your-account/ This blog post refers exactly to what I 'm experiencing. 
By the end of the conversation " XXXX '' from USAA said that she would " do her best '' to try and solve the problem but again she said that most of the time the card needs to be closed and a different card number issued. 
I do n't want a different card. That would mean I do n't have a debt card for several days. Also, I would have to go through and reauthorize every company that makes validly receives payments from me. 
I 'd prefer USAA just obey the law.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My name is XXXX XXXX XXXX with XXXX XXXX # XXXXXXXX XXXX XXXX, and my sister XXXX XXXX with XXXX XXXX # XXXX, XXXX XXXX XXXX. We bought a XXXX XXXX XXXX car on the day XXXX/XXXX/XXXX, in the XXXX  dealership # XXXX, located On XXXX XXXX XXXX, XXXX, NY XXXX. The purchase of the car was for the sum of $ XXXX financing of {$3900.00}, for a total of {$28000.00}. The contract was made for XXXX payments of {$390.00}, my last payment was made on XX/XX/XXXX, with this last payment, I completed XXXX payments for the amount of {$29000.00}. I called many times to solve this problem, and then, they always change their arguments.They state that I have not send my payments for XXXX and XX/XX/XXXX. I have copies of the payments in my bank account. Later they stated that XXXX  payments had been removed, because I requested XXXX  payments extension due to the Covic 19 pandemic, which is false, I only requested XXXX extension in XXXX and XX/XX/XXXX, they stated that perhaps my sister called for those extensions. Which is false, because my sister does not understand about these procedures. Many times I have called to make an appointment at a XXXX XXXX XXXX office, they tell me that they do not have offices for these case in NY, and what is reflected in the computer is my debit of {$1600.00}. On the invoice of XX/XX/XXXX, there were XXXX payments that I owed, and the total payments was XXXX, after I protested because there were XXXX payments, if in my contract was for XXXX, the following month XX/XX/XXXX, they reduced it to XXXX payments and now still owed {$1600.00}. Please I need an investigacin in my case. Thank you very much. God Bless You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
n 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 explanation