BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-23
Company: Asset Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Mon XX/XX/XXXX XXXX PDT, XXXX  from Asset Recovery Solutions ( a debt collection company ) called my brother to collect a debt from me. The Debt collector proceeded to state the last 4-digits of my SSN to my brother to verify that he was me. She agreed to being recorded and I have a recorded conversation of her stating my Personally Identifiable Information aloud over the phone which is a HIPPA violation ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in regards to a collection account ( XXXX ) IN AMOUNT of {$280.00} that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately. It is also a HIPPA violation if they have unknowingly accessed any of my medical records to fraudulently have this account added to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Bread Financial Holdings, Inc.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was marked as restricted and Ive been unable to move or withdraw funds since early XXXX. I sent numerous messages through their customer support chat. I called on XX/XX/XXXX and XX/XX/XXXX and was told the restriction would be removed by XX/XX/XXXX. This did not happen. I called again on XX/XX/XXXX and XX/XX/XXXX and was told my case was still in the queue both times. Yesterday, XX/XX/XXXX, I requested to close the account and have my money withdrawn or transferred out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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, My name is " '' XXXX XXXX '' ''. For over a year, i have trying to reach out to get fixed all of the error information in my credit report. However, my affords seem like worthless and my problem still haven't even changed. I notice that all of the name and some of the addresses that exist in my credit report, have no relationship with me and our business. Here are the name and addresses that need to be removed off my credit account : *NAMES REPORTED _XXXX, XXXX, XXXX _XXXX, XXXX , XXXX ************************************************ **ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Intermex Wire Transfer, LLC
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I sent a transfer of {$200.00} on XXXX XXXX. I only found out the money was not claimed in the month of XXXX of XXXX, 7 years later. I am attaching the receipt of my original transfer. Now when i find out that the money was not claimed the company states they have tried contacting me all this time. I have always had the same address and I haven't received anything from them until now. they want to only return an amount of {$57.00}. I am requesting the original amount be returned to me of {$200.00}. i not more for interests for holding onto the whole amount all this time. I would love for this issue to be solved as soon as possible and not let any more time drag on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I use the Synchrony Bank website to make payments to my visa account. I regularly double check that I have made my payments to my accounts and went to the website on XXXX XXXX to make sure I had scheduled the payment. However under pending payments there was not a payment to view. I must have forgotten to schedule a payment so I made the payment then. Five days later on XX/XX/XXXX, as I was updating my XXXX register, I found 2 payments of {$580.00} had been taken out of my account on XXXX XXXX by Synchrony Bank. I called immediately and they said I must have scheduled 2 payments. I told them I had checked on XX/XX/XXXX and there was nothing under scheduled payments so I scheduled at that time. 
I asked them to refund the money to my account. The person said that would not be possible and told me it would take 12-15 days to receive the refund. I asked to speak to a supervisor who told me if I wanted the money faster, I should go to my bank and request a letter showing my account with the double payment and fax the letter to them. In this way I would receive my {$580.00} in 3-5 days. I went to my bank and the letter was faxed the next day. 

On XX/XX/XXXX I received a form letter from Synchrony Bank thanking me for my inquiry, hoping they can help. 

Today XX/XX/XXXX, I again checked my Synchrony Bank account and the credit balance is still there. I searched the bank website for a better number to contact them again. To my surprise I found a box that says click here to request a check from Synchrony Bank and I checked that box. I did not previously see that box, nor did the customer service at Synchrony Bank tell me about it. 

I live on a fixed income and this has been hard to deal with. Since I checked that box for the refund, it will be another 12-15 days before I receive my {$580.00}. A month since Synchrony Bank took my money. If I were late I would have a hefty late charge and take a hit on my credit report. There should be a way to fine the bank and give them a hit.

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 2020-08-29
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is not my account and I'm unware of this debt and did not have the opportunity to dispute, so please delete. 
Also, provide the following if required : Assignment of debt Method of verification Validation of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have credit reporting of XXXX  on my credit report. The account was open on XX/XX/2011. More than seven years for this account on my credit report. I still can not download or access my 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 2018-07-31
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A company called XXXX XXXX continues to call both my husband and I claiming we owe money from an old payday loan. We know that we do not owe any money but they will not stop calling and harassing us. They use many different phone numbers or call from block numbers, most recently this number : XXXX. They claim to be needing to get me papers for a lawsuit but won't give me any specific information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The listed inquiries are fraudulent and were applied for without my consent Equifax XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is reporting a collection account thats not mine. XXXX XXXX XXXX {$620.00}. I had never had a XXXX account and never will.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: SYNCHRONY FINANCIAL
State: TN
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:
They show that I paid late but it was actually as a result of their late fee which I was never informed. They never attempted to contact me either. I have tried through all three credit reporting agencies and also directly though Synchrony Bank who refuses to rectify the problem.

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 2020-08-25
Company: CITIBANK, N.A.
State: VT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Macy 's is not reporting my payments made on my Macy 's charge account DSNB/ Macy 's # XXXX accurately. Acronym AID is listed. Card ending in XXXX. No payments shown that I made online. 
I never requested a credit increase from XXXX, XXXX dollars to XXXX, XXXX dollars and my last payment on XX/XX/2020 at XXXX Macy 's in store of XXXX is not listed. 

A scam artist or relative that found out I have a Macy 's Account could be commiting Fraud on my Account. My balance should not be XXXX. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is listed on my consumer report as a charge off, date opened XX/XX/XXXX. I contacted XXXX, TransUnion, & XXXX  on XX/XX/XXXX requesting physical verification in accordance with the Fair Credit Reporting Act. All ( 3 ) credit bureaus responded by updating this account as " verified. '' No evidence to back the claim. I contacted the bureaus againrequesting a copy of the signed agreement between myself and XXXX pursuant to the Fair Debt Collection Practices Act. They all responded by updating the account status again to " verified. '' Not only is this account inaccurate and negatively impacting my finances but it is also OUTDATED. This account has been towering over my credit report for the last 9 years. XXXX  reports my first date of delinquency as XX/XX/XXXX -- false, please provide a receipt for XX/XX/XXXX 's payment if this claim is to be true. TransUnion and XXXX  have no payment history, so how are they calculating the first date of delinquency? How do they know when this item should be removed? They do not know and do not care, which is why this account has been sitting on my credit report since XX/XX/XXXX. Generally speaking, accounts are several months past due before being sent to collections. Even if TransUnion & XXXX  were to " estimate '' a date of delinquency it would still place us in XXXX and it is now XXXX. This account needs to be removed immediately.

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 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My personal information was involved in the XXXX data breach and someone used it to open accounts

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 2021-03-29
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I deposited {$1000.00} check from my wifes checking account from another bank. 
Normally when I do this, {$100.00} is available immediately, and the other {$900.00} is available the next day. 
The next day, all {$1000.00} was showing as credit, and my mortgage payment showed as paid with a remaining balance of {$33.00}. 
All seemed fine, then at XXXX I tried to use my debit card and it was declined. 
I logged into my online bank and see that my balance is - {$860.00}. 
The bank is closed, so I have to deal with it the next day. 

The first thing I do is call the XXXX # because the branch isnt open yet. They say there was a hold on the check because my wifes bank refused the withdrawal, and they would need release documents from them to reverse the hold. 

My wife and I get the document from her bank, along with additional information that they NEVER refused payment on the check. 

We brought this information to a TCF branch location and spoke with a Bank Supervisor. 
She looks into the situation while we wait at the teller station. 
She returns, saying her Loss Prevention Supervisor said that my wifes bank reported insufficient funds. 
We showed her the paperwork proving that wasnt true, along with contact information for my wifes bank to confirm that the Loss Prevention Supervisor made a mistake. 

We were there over an hour- they wouldnt even TRY calling the other bank. Just said over and over they refused it. 
We left after they said they would continue to work on it and call us. 

In the meantime, we called my wifes bank AGAIN just to confirm AGAIN that they never refused the check, and they have no record of ever giving TCF insufficient fund information. 

When TCF called me later and continued to state that the other bank refused to pay the check and it is on a HARD HOLD until XX/XX/XXXX. 

Meanwhile, they sent my mortgage payment back and I had to go pay that in person. 
It was never resolved, and one year later I am still trying to get help with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07
Company: AMERICAN HONDA FINANCE CORP
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 was Victim of Identity theft as a result several account appear in my report that are fraudulent and not mine i have send these company all document of the illegality of these account XXXX refused to removed these account from my report and continuo to report then AMERICAN HONDA FINANCE # XXXX. 
XXXX XXXX XXXX # XXXX 
XXXX XXXX XXXX # XXXX 
XXXX XXXX # XXXX 
These account are fraudulent and not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting a HELOC incorrectly and outside of the 7-year statute of limitations from the XX/XX/2009 letter they sent me which is attached.

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 2020-08-25
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Synchrony Financial Corporate Offices XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX  Account/Credit Limit Decrease Acc # XXXX Dear Synchrony Financial : I was very disappointed on XX/XX/XXXX when I was spoke with customer service XXXX ID # XXXX that my credit limit on my XXXX XXXX credit card decreased. My account was opened on XX/XX/XXXX and my credit limit was XXXX. My high balance was XXXX dollars and I have been making on-time payments for XXXX years. My credit limit was cut to XXXX dollars the amount of my balance. 
I have been a loyal customer of Synchrony over a number of years and a good amount of money every month to your company. When I spoke with XXXX ID # XXXX over the phone I explained to her that the algorithm being used to review my accounts was not a Fair XXXX FICO score as detailed in the correspondence, rather an external credit score.

I believe the decision to lower my credit score was arbitrary and I have asked XXXX to process an adverse action request. I would like to have my credit line reinstated. 
This occurrence had also happened years ago with my XXXX XXXX account when paying down my balance my credit line was drastically cut. The practice of balance chasing and cutting credit lines is an unfair practice. I am asking your office to review my account history and the reasons of the adverse action. 
I believe I was targeted by your credit analyst who reviewed my account and made the bad decision to cut my credit line. My credit utilization ratio on my account went from 24 percent to 97 percent and may have caused my credit score to be lowered as a result of high utilization. 
My financial and credit situation has not changed as a result of the pandemic, my attorney will be contacting XXXX XXXX XXXX. 
I am asking you for some resolution in reference to my XXXX XXXX account and for my credit line to be restored and all encumbrances removed from my Synchrony accounts as a result of mishandling. 
I can be reached at XXXX or my email at XXXX Sincerely,  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: EQUIFAX, INC.
State: VA
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 recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, 2017 and XXXX XXXX, 2017, LVNV FUNDING LLC added derogatory marks on my credit reports. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there was no written form of communication, contract or signature for those account debts at all. 
Please provide me with the following : Signature for those account debts at all. 
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 those accounts.

Show me that you are licensed to collect in my state.

Provide me with your license numbers and Registered Agent or Agent of Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Chime Financial Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Hello so Ive recently had a chime account for a couple of months Ive recently received my disaster fund from Arizona chime closed my account because they said they detected fraud Ive sent them documents Ive even sent them a picture of my self to let them know this is not fraud and customer service still havent looked at my documents they take forever to respond I have to contact them and then all they tell me is they cant give me any information about my account I just wan na get access to my money me and my family are going through a rough time we are XXXX  that money from the disaster is suppose to help us until we can figure out were to go please can you guys help me get my account back open I really need that money they are also holding my direct deposit from my unemployment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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