BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: RAS LaVrar, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PLEASE CALL MR. XXXX XXXX at THE EXECUTIVE OFFICE OF CUSTOMER ADVOCACY OF XXXX XXXX ( XXXX ) XXXX as he knows my previous complaint about the same matter COMPLAINT ID XXXX filed on XX/XX/2019. 
The complaint was resolved successfully because Mr. XXXX removed the account debt from The Collection Company back to XXXX XXXX at its original Dollar Value. I bought a Cashier 's Check of {$3200.00} to pay the debt and mailed it on XX/XX/2019. I have been in contact with XXXX at XXXX to find if my check arrived which it did on XX/XX/2019 and I was told by XXXX that she also received a check of {$6600.00} from LaVrar THE COLLECTION AGENCY but no problem because XXXX XXXX will collect the debt and the remainder will be refunded to me. The remainder is {$6600.00} but I imagine XXXX had to deposit both checks to collect all the monies and THEN ISSUE A SOLE CHECK FOR ME. I have been waiting for the check and I have been calling XXXX at XXXX but the recording says there is noone at the office PLEASE CALL BACK LATER. I called the customer service phone and a Manager COULD SEE A CHECK NUMBER IS GOING TO BE ISSUED but from where she was she could not see FOR HOW MUCH OR WHOSE NAME. I did not sleep the whole night at all THINKING! Not only me but also The Title Company have asked LaVrar to mail back a check for {$6600.00} to The Title Company to place the funds back in Escrow. The Title Company forced me to sign AGAINST MY WILL ( I have emails to prove it ) The Stipulation to pay LaVrar under threat my debt would go up to include Court Costs and others only to find XX/XX/2019 that my complaint was approved so I could pay XXXX XXXX the lesser amount owed. 
The response of LaVrar to my complaint ( dated XX/XX/2019 ) reads as follows : " LAVRAR HAS NO ACCESS TO THIS ACCOUNT BECAUSE THE DEBT HAS BEEN RETURNED TO XXXX ''. COMPLAINT ID XXXX QUESTION : Why did LaVrar send the full {$6600.00} to XXXX? Why not send it to The Title Company? Why not brake the monies and pay my Debt to XXXX and The remainder send it to The Title Company? Wasn't it THAT LAVRAR HAS NO ACCESS TO THIS ACCOUNT???? 
I smell a big fish here. I think LaVrar wants to collect from the check from XXXX a fee and The Managers at XXXX DO NOT KNOW WHAT TO DO BECAUSE THEY HAVE NO ACCESS TO THE PREVIOUS HISTORY OF THE PROBLEM AS Mr. XXXX XXXX. I trust he will resolve wisely like he did in my first complaint. Please call him ASAP before you make a mistake. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, I received a mailed letter from XXXX XXXX XXXX XXXX XXXX, notifying me in writing of a data security incident that could have resulted in unauthorized access to certain person information of me. 

XXXX XXXX XXXX XXXX is CPA firm. XXXX XXXX is where I reside and the firm is located. 

The next day, on XX/XX/XXXX, I received a letter via regular mail from SYNCHRONY BANK ( XXXX XXXX XXXX, XXXX, XXXX XXXX ). The letter states We received your request regarding XXXX XXXX credit product. In the header, there are two sets of code : XXXX and XXXX. I was told these are are the on-line, application reference numbers. XXXX XXXX is a retail vendor of musical equipment. The letter from Synchrony had a phone number, XXXX which I called to report that I did NOT make this purchase, fill out the application nor have any interest in musical equipment. This number is the Fraud Department whereby all credit cards are handled. I spoke with XXXX XXXX in the Fraud Department at this number. She informed me the Perpetrator made an on-line application to XXXX XXXX using my entire SS number, DOB. However, the Perpetrator did not use my address. ( My address is linked to my credit report ) Unknown to me at this time ( but known to Synchrony Bank ) was the fact that THERE WERE TWO APPLICATIONS MADE on XX/XX/XXXX. The prior application for credit by the Perpetrator was made for XXXX, another on-line vendor of musical equipment. The prior application with XXXX was approved for {$3100.00}. Synchrony Bank is the lender. My address did not match the Perpetrators address. This should have been a RED FLAG. 

I enrolled with XXXX, paid for by XXXX XXXX. However, this protection is for one year only. It is up to me to continue the annual payments after XX/XX/XXXX. 
On XX/XX/XXXX and XXXX, I received an email from XXXX XXXX It was a payment request. I am receiving collection calls. 

Despite Synchrony Bank declining the XXXX XXXX XXXX, the XXXX was approved and funded. It did not occur to Synchrony Bank to review all activity for credit regarding my name and information. 

I want XXXX XXXX to pay for a lifetime of Identity Theft protection. I am seeking damages from Synchony Bank for funding a fraudulent application.

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 2023-10-05
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : AMEX Your Company as Violated my consumer rights.

Your company has sent me a copy of some bills however that's not what I ask, once again by law 15 U S C 1681b Your company has no permission to report anything using my information.

15 U S C 1681, Section 604, Section 2, State a consumer reporting agency can not furnish a account with out my written instructions.

1. Your company have no written instructions 2. I did not give any permission 3. 15 USC 1681 Section 602 States I have the right to privacy.

4. 15 U.S.C 1692 C, Section C 5. I am demanding this account be deleted within 7 days.

Your company miss information as impact my consumer credit report which as cost me {$550000.00} it as come to my attention that your company as violated my consumer rights. 

Name is incorrect Address is incorrect Account incorrect Account incorrect I'm demanding that all inaccurate information be delete immediately I have attach a copy of the account in question that as my accurate information. 

According to REGALATION F and 12 C.F.R 1006.1 SECTION 8e 15 U.S.C 6802 A, B. C and 15 U S C 6801 18 U S C 8 obligation or other security of the United States I owe no debt your company is in violation of my consumer right to privacy. 

15 U S C 1681b Your company has no permission to report anything using my information pursuant to 15 U S C 1684, 4 According to 15 U S C 1681 S-2 Your company has a responsibilities of furnish of information to consumer reporting agencies, a person shall not furnish any information relating to a consumer reporting agencies if the person knows or has reasonable cause to believe that the information in inaccurate. 

Your company has 7 days to delete all negative items, your company have reported false information and without permissible propose violating my consumer reports according to F.D.C.P.A a copy of this letter will be send to the C.F.P.B my state senator and I will file a law suit seeking damage for lost of opportunities that your company as cause damages.

Your company have violated my consumer rights reporting false information without XXXX your company have violated the consumer reporting act F.C.R.A, F.D.C.P.A, 15 U.S.C AND 12 C.F.R your company have 7 days to delete all negative miss information causing harm to my credit report. 

XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: AR
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:
I have contacted XXXX on several different occasions by phone, email, and mail requesting a validation of this account along with original contract and wet signature showing in fact that I opened and that this account belongs to me after receiving an email that this account had been sold to XXXX XXXX. XXXX has stated they do not own or no longer has this account but reporting on my credit report. and has not supplied the original contract or wet signature for this account and I have contacted XXXX XXXX and they have closed the file and not seeking collections on this account. So If XXXX is not the owner of this account why are they reporting it if XXXX XXXX is the owner of this account and they have stated they are not reporting it to the credit bureau and has closed the case.

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 2023-01-24
Company: The CMI Group, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted CREDIT MANAGEMENT on XX/XX/2022. I told them that this debt was not mine. They would not investigate. They stated I had to call XXXX in order to get the collection removed. I do not live in the city this debt occured in and never have. I have proof of where I have been living for the last 6 years in the form of utility bills in my name. They were not even interested in seeing them. This has lowered my XXXX XXXX by XXXX points. the account number is XXXX. I am uploading the untility bills for the dates in questions. I also have an address in North Carolina. Thus the license for there. 

I have also contacted XXXX XXXX and submitted a fraud package. They say it will take an additional 30 days to investigate and XXXX to XXXX to report it to the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX  XXXX Balance : {$4400.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$820.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TOYOTA MOTOR CREDIT CORPORATION
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 credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account TOYOTA MOTOR XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

TOYOTA MOTOR XXXX XXXXXXXX Open Date XX/XX/2013 Balance : {$8700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute. 
XXXX XXXX XXXX and XXXX I have reached out to the company and debt collector also made a dispute. 
XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute XX/XX/XXXX XXXX and XXXX I have reached out to the company and the debt collector also made a dispute. 
Date opened XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute. 
Date opened XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to company and debt collector also made a dispute. 
XXXX XXXX I have reached out to company and made a dispute. 
XXXX XXXX I have reached out to company and made a dispute. 
XXXX XXXX I have reached out to the company and made a dispute. 
XXXX XXXX I have reached out to the company and made a dispute. 
XXXX XXXX I have reached out to the company and made a dispute. 
XX/XX/XXXX I have reached out to the company and made a dispute. 
XXXX XXXX i have reached out to the company and made a dispute. 
XX/XX/XXXX I have reached out to the company and made a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the XXXX XXXX XXXX, please review the enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX/XXXX  # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When running my credit report I notice a few collections and charge off on my account that I did not authorize a XXXX XXXX account for {$4200.00} on XX/XX/2022 and another account with XXXX XXXX XXXX for $ {$6900.00} XX/XX/2022 The method that was use to open the accounts was a photo picture of my ID, Social Security number and drivers License was attain doing all of the transactions. All accounts was open on different dates.

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 2023-05-16
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a vanilla visa gift card from XXXX to be presented to my mother in law on XXXX XXXX on the XXXX of XXXX. To my amazement, she tried to use the card on the XXXX the second day of purchase but the card has already been used to make a payment to XXXX XXXX. I went to XXXX to complain but they denied they were not liable to that. I called vanilla several times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Heritage Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
On XXXX XXXX my sister received a call from XXXX a representative with Heritage acceptance. She did not Identify herself or the company she was calling from. XXXX was calling to confirm my residence through my sister. My sister advised them that I was XXXX. A week later I receive a letter stating that there was a judgement against me the amount and how much I owe. However the did not specifically state that this was an attempt to collect. This debt was from XX/XX/XXXX, and the judgement was filed XX/XX/XXXX. The statue has passed for them to report this to the credit bureau as the have threatened to do so with in the letter. Also the were advised that I am disable and do not have the ability to pay. XXXX then asked my sister who was speaking on my behalf if she was able to pay it. Which was inappropriate to solicit my sister for she did not owe. My sister asked to speak with the supervisor XXXX and she explained the same thing to the supervisor and XXXX was still insistent upon collecting on the debt as well. I am mentally and physically XXXX and have been for along time, with the documentation to provided details concerning my XXXX of which I feel I should not have to disclose. The were advised that I do n't have the ability to pay, and the debt is 18yrs old. XXXX stated that they can try to collect on a judgement up to 20yrs. Either way I do n't have the ability to pay, am currently XXXX and request that the debt be eliminated. I can afford to continually be contacted about this debt and I am on a fixed income that barely meet my daily living expenses

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I spoke to Bank of America because I noticed through my mobile app that my account was changed from a Savings Account to a Checking account. I also had repeated charges for Insufficient funds since 2021 on this new Checking account. I was not aware that Bank of America converted my Savings account into an another account.

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 2022-11-09
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
BLITT AND GAINES , P.C . sent me a letter sating I owe {$1800.00} and the amount from that creditor is {$1600.00} they are Attempting to charge an amount greater violates the Fair Debt Collection Practices Act ( " FDCPA '' ) and the XXXX Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: FL
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:
I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance {$2.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows I never missed a payment. Please update it immediately. 

XXXX XXXX Balance {$400.00} The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account.

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