BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: Remex, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to dispute my debt of {$1300.00} from XXXX XXXX XXXX, related to a purchase made on XX/XX/XXXX. The dispute centers around the communication and handling of the debt collection process by XXXX XXXX XXXX. Here is a detailed account of the events : Purchase Date and Initial Contact : On XX/XX/XXXX, I made a purchase from XXXX XXXX XXXX 
On XX/XX/XXXX, at XXXX XXXX., I received an email from CC Loss Prevention stating, " Please be advised that if this balance of {$1300.00} is not resolved within 30 days, the account will be sent to 3rd party collections. '' Contact with XXXX XXXX XXXX : On XX/XX/XXXX, I reached out to XXXX XXXX XXXX and spoke with a representative. 
The representative informed me that if I returned the requested items, I should reply to their email with a photo of the new shipping receipt, the tracking number, and the date of the return. 
They assured me that once the items were confirmed as returned, they would cancel the debt settlement request. 
It was also mentioned that if the balance of {$1300.00} was not resolved within 60 days from the original email, the account would be sent to 3rd party collections. 
Return of Items : On XX/XX/XXXX, I returned the two shoes ( XXXX ) to XXXX XXXX XXXX as negotiated. 
I provided a photo of the drop-off receipt as requested. 
I sent an update on XX/XX/XXXX, to inform XXXX XXXX XXXX  that both shoes had been delivered. 

Lack of Communication : XXXX XXXX XXXX has not provided any updates or communicated with me regarding the resolution of this case since XX/XX/XXXX. 

Incorrect XXXX Invoice : I received a XXXX invoice for {$800.00} on XX/XX/XXXX. However, this invoice was sent to a different XXXX account, not the one used for the purchase. 
The invoice stated that it did not include the XXXX pairs of XXXX XXXX XXXX XXXX XXXX Item No : XXXX, for {$240.00} each, which I had expressed my intention to return. 

Unresolved Balance Notification : On XX/XX/XXXX, I received an email from the XXXX XXXX XXXX XXXX, stating that I still have an outstanding balance, even though XXXX XXXX XXXX never responded to my messages back in XXXX. 
I am also interested in accessing the notes under my XXXX reward account related to my interactions with XXXX XXXX XXXX, including communications with the supervisor who claimed to assist in resolving this issue but did not respond. 

I am willing to provide emails, call logs, and any additional information upon request to support this dispute. Out of the {$1300.00} debt, I believe I owe only {$800.00} ( including tax ) for the returned shoes that were approved and delivered on XX/XX/XXXX, with a signature. 

Please review this information and assist in resolving this dispute with XXXX XXXX XXXX Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Access Receivables of NC Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a medical bill for approximately {$600.00} from XXXX XXXX XXXX XXXX  I didn't pay this because it wasn't submitted to my medical insurance properly. So it was sent to a collections agency. After speaking repeating with XXXX XXXX XXXX XXXX, they resubmitted to the insurance company and they paid {$450.00} leaving a balance of {$160.00}, which I paid to XXXX XXXX XXXX XXXX on XX/XX/2020. 

The problem now is a collections company called Access Receivables calls me multiple times a week demanding {$600.00}. I've told them to stop calling and it continues. They call me from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Me and my wife had to file bankruptsy and upon discharge we made every payment and paid the required fee over {$3500.00} to reinstate the right to catch up and resume payments upon discharge of Chapter XXXX. But Guild Mortgage states we are 116 days behind, therefore breached the federal bankruptsy protection laws. We done everything we were instructed to do as consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX ), has violated several of my rights. 

16 U.S.C 1681 section 602 A. Clearly States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair 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 2023-08-31
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a Lowes Credit card through Synchrony Bank with a XXXX XXXX dollar credit limit for 20 years ( XXXX XXXX XXXX XXXX ). That account was used for major purchases on my house in XXXX  and then in XXXX. Those purchases totaled around XXXX XXXX dollars. While traveling in XXXX of this year, I was contacted by a XXXX  I consider my daughter. She had to move and needed a refrigerator of the new house. She found one at the Lowes in XXXX, XXXX. I was able to call and talk to the manager of the appliance section and they agreed to make the transaction of around {$650.00} over the telephone. When they submitted it, it was declined. I received a security text, on my cell phone, from Synchrony bank stating that they had declined the purchase as suspicious. I received a follow-up text asking if I had made the purchase and I replied that I had. The next text stated thank you for verifyingthe purchase. If the purchase was declined, re submit it. I called the Lowes and they resubmitted it and it was again declined. I then called Synchrony and they stated that I had to go through an elaborate process over the telephone which, after several attempts, did not go through while I was traveling. In XXXX I received a letter from Synchrony which stated that after a review of my account they decided to close my account because of the restriction placed on the account for suspected unauthorized use and subsequent inactivity on this account. The letter also stated that if I had any questions to call XXXX. 

I called that number and was told that they were unable to answer any of my questions and that they were unable to provide me with another number. The lady advised that she was an operator in the XXXX and was not able to provide me with a corporate or legal affairs number. She advised that I could send them a letter. 

I sent the letter advising them that they were in error and it had not been unauthorized use. I received a second letter from Synchrony with a different excuse. It stated that my account had been closed based on an evaluation of my consumer account using a sound credit scoring system that includes reviewing all accounts contained within a consumer 's credit files and it was a result of this evaluation that my account was closed. My credit is rated as excellent. They stated that if I had any questions that I could call the same number that I had originally called. 

I have copies of the letters and the text messages. I requested that Synchrony maintain all documents and phone records including texts from my cell phone XXXX. I originally sent this complaint to Fed Reserve and they referred me to you.

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 2023-10-11
Company: Revenue Collection Bureau, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I received a letter from Revenue Collection Bureau , Inc . In the letter they claim that I owe {$1100.00} to the XXXX of XXXX for non-payment of a water utility service. 

In the previous question asking if I have attempted to resolve the problem, I answer no because I just sent a letter today ( XX/XX/2023 ) informing the Revenue Collection Bureau agency that I am not the person who is responsible for the debt. The letter may resolve the problem, but the problem has not be resolved as of yet.

I have informed Revenue Collection Bureau , Inc. that I never had a account with the utility company in XXXX, that I never lived in the dwelling in question, that I did not live in XXXX during the billing period, and that I never lived or was associated with anyone living in the dwelling in question. 

I have no idea how this collection agency believes that I owe this money. What evidence could they possible have to claim that I owe this debt? The notice to collect money just appeared in my mailbox. I believe it is a scam. If it is not a scam, I find it highly concerning that anyone can be preyed upon to pay someone else 's debt. There apparently is no responsible and ethical effort to find the actual debtor. I believe the only link is that the actual debtor and I have the same name. This can not be an acceptable reason or evidence to attempt to collect money from someone.

I have attached the letter I sent to Revenue Collection Bureau , Inc. on XX/XX/2023 and the request for payment documents sent to me from Revenue Collection Bureau , Inc .

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Glacier Bancorp Inc.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 received text message stating, XXXXXXXX XXXX XXXX ( call XXXX Now! XXXX # ) # XXXX XXXXXXXX. ( Full phone number included in text. ) As soon as it was noted as fraud Mountain West Bank in XXXX XXXX, ID was notified and debit card was locked and canceled. The bank noted no fraudulent charges had been made on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had a XXXX credit line Credit card now decrease to XXXX. I used XXXX of this so now i have only XXXX dollars left. Now when you add all the interest and fees this will put my credit limit over and that will show up on credit report which isnt fair to me. I was never late paying this or any of my other credit cards This just isnt fair. this is the reason they said Your XXXX XXXX : XXXX Date : XX/XX/2023 Scores range from a low of XXXX to a high of XXXX. 
Key factors that adversely affected your XXXX XXXX : Too Many Revolving Accounts With High Balance Compared To Credit Limit Lack Of Real Estate Secured Loan Information Balances On Bankcards Are Too High Too Many Bankcards With High Balance Compared To Credit Limit According to my XXXX card my credit score is XXXX good credit XXXX accounts and never late excellent paymenta I still own on my house which was tranfer to to new mortage company

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2021-01-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am noticing unauthorized accounts on my credit report that need to be removed. They are holding me back from getting any sort of business credit cards and getting a mortgage. I sent out letters to these credit bureaus over 30 days ago and I haven't gotten any results, let alone a response. Please help me get rid of these inaccurate accounts, it is unfair that I have to suffer financially for accounts that are inaccurate and unauthorized. Attached are the letters sent to the credit bureaus along with my identity documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Ocwen Financial Corporation
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am in an active chapter XXXX bankruptcy in which the mortgage service is to follow rules set forth by CFPB on how pre and post petition payments are to be applied. Ocwen now PHH mortgage servicing has continued to perform my annual escrow analysis based on prepetition arrearages. The escrow has remained in a negative balance and was never made current upon chapter XXXX plan approval to pay arrearages which included funds advanced as well well as amount to bring current. They are essentially double dipping and getting paid on the arrearages through payments from my trustee as well as current monthly payments. This has also resulted in unnecessary payment increases. I have sent written requests in XXXX & XXXX to which they either completely ignore or state they my claim isnt valid. They are improperly serving my loan being in a chapter XXXX plan and misapply post & prepetion payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX  XXXX XXXX Balance : {$500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX Balance : {$790.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX Balance : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$2300.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance : {$0.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather deletes this erroneous account. 

XXXX XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting incorrect Balance, incorrect past due amount, as well as the wrong Date of last activity. These are all violation please delete account. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$0.00} - This account is reporting twice and the original creditor has not reported it as transferred or sold. Please remove. 

Chapter XXXX Bankruptcy XXXX - This was filed in my name by someone else and was fraud please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXXL Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX. 
Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX. 
Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I submitted my dispute letters over 30 days the company have failed to respond also the company is in violation of many federal laws. I did not give written consent for these inaccurate items to be placed on my credit report. 15 USC 1681. I have submitted my FTC report and company had failed to acknolegde that fact that this is an violation that shouldn't be taken lightly. This is a violation of section 605b fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is not mine. I have asked the reporting collection agency numerous times top validate this debt and they are unable to do so, however they keep reporting it to the credit bureaus. In addition, on my most recent credit report, they are now reporting incorrect dates. Originally the alleged delinquency was XXXX, then they changed it to XXXX, not it says XXXX. Jefferson Capital Systems has no regard for the consumer. They are involved in unscrupulous business practices. They have made no effort to try and resolve this matter and have blatantly disregarded my request for validation of this debt. The account was fraudulently acquired years ago, and does not belong to me. They have failed to provide me with any proof whatsoever to substantiate their claim. I requested to see the application, the proof of identity that was provided at the time of the application and the original signature on the application and they can not provide that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX ACCOUNT IS BEING REPORTED WITH {$7800.00} BALANCE XXXX XXXX 2021. MY XXXX XXXX XXXX XXXX BALANCE IS {$0000.00} XXXX. CORRECT INFORMATION. MY DUE DATE IS THE XXXX OF EVERY MONTH.

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 2023-05-05
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

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