BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX, despite having paid off the charge in full, our local XXXX store insisted on refunding a charge for a canceled door that they failed to deliver to the store card operated by Synchrony Bank. That left us with a {$4100.00} credit. We were told to wait two days and request a refund. We did. According to our account, the refund check was issued XXXX XXXX, 2020, which brought our account balance to XXXX. We were told 5-10 business days to receive the check. 
During repeated calls/chat room encounters, the customer service reps extend the expected arrival date always another few days. Today is business day 16. Still nothing. The customer service rep, XXXX, today was unhelpful and even told us to file a complaint. He even went so far as to say he would be okay with not receiving his refund - even one as large as this. So here is the complaint.

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 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, Transunion and XXXX  has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.

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 2022-03-18
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:
Hello I noticed late payments on a few of my accounts and it has been XXXX trying to get them corrected. The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. The accounts XXXX have doubled the account numbers and showing late payments when I have stated they were never late. So I get late payments times 2 showing incorrect all around. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: LoanCare, LLC
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: Account information incorrect

Complaint:
Payments in the amount of {$2900.00} from XXXX/2022 - XXXX/2022 are not reflecting on my credit reports from LoanCare. I call in regularly to get this resolved and it has not been resolved.

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 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX/XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )

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: Mandarich Law Group, LLP
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Filed CFPB dispute towards XXXX XXXX. XXXX XXXX responded in a timely fashion and stated that they would contact Mandarich Law and have false judgement vacated. To date no action has been taken to vacate the judgement. I have attached a copy of the original CFPB complaint and response from XXXX which has XXXX 's response highlighted in yellow. 

I have attempted to contact Mandarich Law at XXXXXXXXXXXX and tried to reach via phone.

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 2015-06-06
Company: Gatestone & Co. International Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I HAD XX/XX/XXXX CELL PHONE SERVICE PAID ALL MY BILLS VERBALLY TOLD THEM TO SHUT OFF ALL PHONES AN CANCELED SERVICE IN XXXX 2015 BY EMAIL LETTER AND PHONE CALLPAID THE BALANCED OWED. 
SIGNED UP WITH XXXX ON XXXX/XXXX/2015 BILLING ID XXXXCCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SENT ME BILL ON XXXX XXXX TH FOR XXXX SAID THE CANCELLED MY SERVICE THEN THEY SAID WERE GOING TO GIVE TO A COLLECTION ON A BILL I DO N'T OWE THEN I RECEIVED LETTER FROM GATESTONE COLLECTION SAYING THEY WERE COLLECTING FOR ATT AND WILL SETTLE FOR XXXX I DO N'T OWE ANYTHING AND IF I DID WHY WOULD THEY SETTLE FOR XXXX MAKES NO SENSE GATES STONE XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and it can be viewed as unethical and perhaps this is not the XXXX time this has occurred.. All XXXX credit bureaus report a different age of these accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After creating an account at XXXX 's website I noticed on my trans unioncredit report that I have a civil judgement against me. I disputed the judgementagainst me on the trans union website and after 30 days had passed, trans union sends me an e mail saying that the investigation of my complaintresults in my civil judgement being valid by the law firm who sued. 
I discovered yesterday from getting court copies of this lawsuit that this is acase of mistaken identity. I am not disputing that the civil judgement is notvalid, what my dispute was about is that they have the wrong person. Thiscivil judgement is about someone else not me and should not be showing onmy credit history at all. Trans union I feel did n't do their job by removing thisoff of my credit history. This civil judgement clearly is valid but I am not theperson. They have me mistaken for someone else and I want this removedfrom my credit file. I have all the proof to show I am not the person in the civiljudgement and I am prepared to show what ever documents that 's needed so Ican finally get this judgement removed from my credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First off, this collection adds to my amount owed about every 2 weeks ... the original credit card debt was {$400.00} with that being the limit. This collection account is now over {$1000.00} from the original {$400.00}. I first attempted to go online to settle this debt online with LVNV. Online said accounts were not available. On XXXX XXXX, I emailed resurgent capital services who manages LVNVs accounts. I got a reply the next day stating that I am not eligible for a settlement at all. I was told to call XXXX to work out payments. I tried calling XXXX on XX/XX/2020 and they told me my file is not with an agency and they could not help me and to call resurgent back. I called resurgent back right after and they again said to call XXXX. I have just been getting the run-around and would like this debt settled/ off my credit and they have been denying me that. They were first on my list of 3 collections to take care of and I already had to skip them and within 30 mins I had the other two collections settled with XXXX XXXX  easily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed these fraudulent accounts several times and it has not been resolved. I sent in an FTC ID Theft Affidavit and they still have not complied with the guidelines under the FCRA. I have attached the documents for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: EQUIFAX, INC.
State: GA
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 am XXXX XXXX and I am making this complaint on my own accord. I have been a victim of Identity Theft since XXXX. Upon looking at an updated credit report I discovered once again that someone is and has used my likeliness to obtain credit and utilities they have also trie applying for credit using my personal information. The person established a XXXX account which is now in collections for {$540.00} they also established a XXXX account which is charged off and reflecting negatively on my personal credit. There are also inquiries in which I did not authorize. These inquiries are reporting on XXXX and XXXX. For XXXX  ; XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. For XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. The XXXX account is now a collection with XXXX XXXX XXXX and is reported as a collection with all three Bureaus. These accounts and inquiries are unauthorized and fraudulent. I demand these be removed from my credit profile because they do not accurately depict my credit worthiness. This has had a tremendous impact in my everyday life. I have also filed an Identity Theft complaint with the FTC, my Identity Theft report is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Information belongs to someone else

Complaint:
I HAVE RECENTLY NOTICED SEVERAL ACCOUNTS THAT ARE CURRENTLY BEING FURNISHED THAT ARE RESULTING FROM IDENTITY THEFT AND ARE NOT AAUTHORIZED BY THIS CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On or around XXXX 2014 in an effort to open a new credit line I was informed that the creditor was unable to open my request. In an effort to find out what was going on I contacted all XXXX major credit bureaus and I was informed that and became aware of several entries including various inquires which were never authorized. Upon receiving this information I contacted the source directly only to be told they had no information and to submit my dispute in writing as well as contact law enforcement. As requested I did all of the following and was provided several months later a copy of the report to provide to both the sources as well as the credit reporting agencies. After several months of going back in forth I received notification that they verified the account as accurate and refused to use law enforcement 's report. Since that time I have continued my efforts only to be ignored and to date they have refused to supply me with a complete outline of the verification process they have conducted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Solomon and Solomon, P.C.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have been sent an email from my employer that I have a Writ of Garnishment on my wages. I printed out the information and it does not or have I ever been notified what credit card debt this is from. I thought I needed to be sued first before having my wages garnished. I did not receive a summons of the suit and therefore could not represent myself to defend this issue. The issuing court was the state of Connecticut XXXX court. XXXX ID : XXXX. The debt collector is Solomon and Solomon, PC XXXX XXXX XXXX XXXX XXXX XXXX.Phone number XXXX XXXX XXXX XXXX is the Marshall from the XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Phone number : XXXX. The only debt that was in collection was XXXX XXXX for {$5600.00} and that has been over 7 years which is the statue of limitation since XXXX of the credit reporting agency 's dropped it off my credit report thru XXXX XXXX. That debt started back in 2008. The amount they are garnishing from my paycheck is {$7500.00} Have not been contacted before this happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: American Credit Acceptance, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
i got involved into a car loan with 23 % apr with a promise to refinance, but coming to find out the lender does not refinance existing loans. leaves me stuck paying XXXX in interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I had a transaction on my account from XXXX. It said that I purchased an egift card for {$220.00} that I did not authorize. I called KeyBank, and they told me that I would have to call XXXX. So that was what I did, and XXXX said that they would file a dispute, and that I can call back between 10 and 14 days. So I called back and XXXX told me I would have to call my bank, which is KeyBank. I've been trying to call them and I get no answer. When I call them, I'm usually on hold for over an hour, and no one from the dispute department picks up, for me to file a dispute then the call will drop and I have to start all over again. This has been going on for over a week now with no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have medical bills I have disputed for detail statements to verify debt.I also ask that no info given is medical description because there are thing that I only want a doctor to know Under the Hippa. Its been well over 30 days. I would like them to be removed from my credit report. I also had some letters return to me. I would like to know there Registered/Licensed number to collect peoples debtss

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: American Credit Acceptance, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I feel that I was pressured into purchasing s vehicle aND extended warranty when I was at a very vulnerable state. I was involved in an automobile accident on XXXX/XXXX/XXXX while driving my boyfriend 's car. Immediately following the accident, I took his car to XXXX XXXX because I had a scheduled oil change appointment. While waiting, I was sold a XXXX Nissan Altima for around {$4000.00}. I was in a very distraught state after the accident, I suffer from a XXXX that causes me to make irrational decisions at times, and I was coerced into purchasing a 12 year old vehicle with a {$3000.00} warranty, and the vehicle was financed. I honestly was n't in a good state of mind but i believe that the sales and finance guys pressured me into signing the paperwork and I truly did n't realize what I was getting myself into. I was given an interest rate of XXXX % which was n't disclosed beforehand. Is it legal and ethical to finance a 12 year old car at 28 %? Additionally, the engine went out on the car within the first 10 days and they replaced finance it after initially refusing to cover it. The company did a welcome call and I disclosed that I needed to speak with a manager or someone in underwriting because I was n't in a state of mind to make the decision that i was about to make. I told them about the accident, i was out of work on XXXX, and I was not prepared to commit to the purchase. I was told they would have an underwriter call me back to discuss my options, but this never happened. In the mean time, I had a second accident on XXXX/XXXX/XXXX, which caused additional work loss, physical and mental limitations, and I was prescribed controlled substance to help with the pain. After contacting American Credit Acceptance again, I was told it was too late to make any changes as the contract was already in progress. Please let me know how I can get help with the illegal practices that the dealership and finance company took knowing my physical and mental health.

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 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-12-29
Company: Action Collection Agencies, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation