BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX sent me a letter dated XX/XX/XXXX that I owe them {$15.00}. They gave me 10 business days to pay. I received this letter XX/XX/XXXX and I payed them {$15.00} same day morning XXXX. I have receipt with confirmation number XXXX dated XX/XX/XXXX. 

I received letter from the Collection Company dated XX/XX/XXXX. It means that XXXX put me to collection before the 10 days period had expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: AC AutoPay LLC, Denver, CO Branch
State: AL
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:
I was told that my application to refinance my car was only going to be sent to one company by Autopay and their company did not shotgun your credit. The application took almost weeks because their employees was not doing there job. I called Autopay to check on my application because I had not been contacted. I was told by XXXX XXXX Grant that it was not submitted. I got upset and told him to stop the application process. I received a deny letter in the mail from XXXX XXXX XXXX because verification documents was not sent. I didnt not give permission to send my application off. Also they requested {$2000.00} more than the amount I put on my application. After receiving the letter, I noticed that I had two inquiries for XXXX XXXX XXXX and XXXX XXXX. I called Autopay on XX/XX/2019 and voiced my concerns and the purchase manager, XXXX XXXX apologized and said that it was their mistake but they couldnt do anything about it.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-28
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

NATIONAL CREDIT SYST Account NumberXXXX Collection Account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: PNC Bank N.A.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I bought 4 music festival tickets from a guy named XXXX XXXX on XX/XX/XXXX with the agreed price of {$150.00} each. I relied on him, since I already bought 1 ticket from him the year before ( payment was made via XXXX ). 

He requested the money to be transferred through XXXX - an application that connects with most banks in the US and  approved by PNC, he explained he doesn't want to use XXXX because it holds his money for too long. I made some quick research and reviews about XXXX, and feel rather confident since especially it is linked directly with PNC bank. 

The guy sent me the email with the ticket order confirmation on XX/XX/XXXX, and I went to collect the tickets the next day. Once I have those tickets, I immediately transferred the total amount of {$600.00} to him using XXXX on the PNC banking app. 

However, when I went to the concert on XX/XX/XXXX, I was told that all our four tickets were cancelled through the credit card that was used to order the tickets. 

I contacted the XXXX immediately by texts and calls and he texted me back saying that he would send me new confirmation number so I could pick up the tickets again, but he never did. I have later made multiple phone calls to him, but he never picks up his phone anymore. 

I have contacted PNC bank trying to cancel the transaction, however, they said that the money couldn't be recovered or put as disputed money anymore. And they are sorry. I feel like being betrayed and mislead by PNC for the fact that they back up a money transferring system that has no protection to its loyal customers. I have used PNC as my primary bank since I first came to the US six years ago, and with this incident, it is very hard for me to have my trust in the bank again. 

I also contacted XXXX both online and via phone, and their customer service is of no help. 

I went online and found that there were other people who had suffered money lost because the way XXXX and PNC handling transferring money transaction. All of them thought it is a safe service, because, if not, how come it links with their banks?!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello. Im writing this complaint in regards to a fraudulent account that was opened under my name in 2013 with Discover Credit card. I have never had a discover card nor have I authorized one to be opened. DiscoveXXXX is calling me harassing me and they said they are investigating it but they also opened a lawsuit against me for {$18000.00}. I tried to applied for a loan and I was denied because of this debt. I cant open anything or even apply for a place. This is affecting me and my credit tremendously. Ive been sending in all types of proof to discover that I have not been the user on the card such as proof of address to where I have resided for over 10 years in XXXX, Fl and the address they have on file where the card was sent was in XXXX, FL. I also sent them in my debit card bank statements where I was making charges in Nevada and the discover card was being used at XXXX XXXX XXXX the very same day. Ive also filed a police report. This is becoming such an issue and now they are taking me to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: EQUIFAX, INC.
State: KS
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:
Credit inquires made without consent : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I responded to a promotional offer to apply for a PNC Cash Rewards Visa Credit Card. The offer was a {$200.00} cash bonus for a {$1000.00} spend within 3 billing cycles of account opening. I complied with all requirements. I have made multiple phone calls to the call center regarding non-receipt of this bonus. I have a dated/timed screenshot of the offer on the website. To date, I have not received the bonus, nor any satisfaction with plans to address. The only response has been we will file a compliant for you. I do have a screenshot available for your review as well credit card statements confirming my compliance with all offer requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: CONTRACT CALLERS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contract Callers Inc Account # : Unknown Amount : {$2100.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with CONTRACT CALLERS INC ( CCI ) and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX XXXX XXXX XXXX XXXX. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless XXXX XXXX XXXX can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 


Thank you for your time. 

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 2019-09-07
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked that this company validate this account. They sent a bill which does not show any written agreement that I owe this company any monies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
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:
Experian reported 3 collections on my credit report all from the same company XXXX XXXX. I disputed the report twice as these were corporate expenses not personal expenses & the corporation XXXX XXXX Under is defunct and dissolved and should not be reported on my personal credit report. 

In my dispute I have requested documentation from XXXX showing that this is a personal expense and they have not produced any. I have also called XXXX several times and left messages, have not heard back. 
I have also reached out directly with all 3 creditors and can not get a response. 

I am appalled and shocked that with no documentation or proof one can report to a credit agency and have it remain. This clearly is a business expenses through the corporation & therefore should not be reported on my personal credit report. 

Attached below is my dispute with Experian and the results These 3 collections appear only on Experian.

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 2019-09-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2019 : Synchrony Bank wired {$190000.00} from my savings account to XXXX XXXX XXXX without my authorization. 
XX/XX/2019 : Synchrony Representative XXXX XXXX called me to ask if outgoing wires that day of {$130000.00} from my savings account & {$120000.00} from my CD were authorized. I said no. XXXX froze my accounts & online banking access. Eventually the {$130000.00} & {$120000.00} were returned to my accounts. However I could no longer see my accounts online. 
XX/XX/2019 : I called Synchrony & spoke with Rep XXXX who tried to id me. She had the wrong answer to my security question about where I was married. Eventually she verified my id & told me my account activity. This included a {$190000.00} wire on XX/XX/2019 that I did not know about. Then I left a phone message for XXXX about the {$190000.00} wire. 
XX/XX/2019 : When XXXX called me back I told her the {$190000.00} wire on XX/XX/2019 was not authorized by me. 
XX/XX/2019 : XXXX called me and said Synchrony wired {$190000.00} to XXXX XXXX XXXX & these funds are gone from XXXX XXXX. Synchrony Bank will not return these funds to me because I was a victim of identity theft. 
XX/XX/2019 : I sent a letter to XXXX with my Police Report of XX/XX/2019 and my Federal Trade Commission Identity Theft Report of XX/XX/2019. 
XX/XX/2019 : I sent a letter to XXXX requesting status of {$120000.00} and {$190000.00} stolen funds that had not yet been returned to me. 
XX/XX/2019 : I sent a letter to XXXX requesting payment to me of {$120000.00} & {$190000.00} plus related interest & fees. 
XX/XX/2019 : I received from Synchrony {$120000.00} for my {$120000.00} claim plus interest and fees, which satisfies this claim. 
XX/XX/2019 : XXXX told me Synchrony will not return to me the {$190000.00} stolen from my account because this was due to my identity being stolen.

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 2020-02-17
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I noticed my Best Buy card balance increased, when I called I was told the balance was due to zero finance interest expiring. I'm being charged {$900.00} on a {$34.00} balance. The representative assured me it would be removed once the {$34.00} was paid which I did while on the call. The {$900.00} has not been removed. Best Buy website does not allow for allocation of payments made. If you're making on time monthly payment additional payments I would think the funds would be allocated to cover charges made on zero interest plans.

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 monetary relief
Consumer complaint received 2018-02-23
Company: Smith, Rouchon & Associates, Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been a XXXX customer since XXXX with my student loans. I have always been on the Income-based Repayment Plan as I was working internships after college. In XXXX of XXXX I applied for my new Income-based Repayment Plan and foolishly " assumed '' the payment would be {$0.00} as it has been since my graduation in XXXX of XXXX. From XXXX when I applied to current time, I have received NOTHING from XXXX  about payments, delinquent payments, last chance for payment or anything! However this past XX/XX/XXXX, I received an update from XXXX XXXX that I had two months of missed payments on my ten accounts! The total of these student loans is {$41000.00}. My credit report now shows 90 and 120 days late on my payments for the months of XXXX and XX/XX/XXXX. So far I have called XXXX repeatedly and sent hand written letters three times to the Credit Bureau which " only accepts hand written mail. '' I am up to date on payments and set up automatic payments immediately upon receiving notification from XXXX XXXX. XXXX had the incorrect phone number that I didn't even recognize and incorrect email however they had the correct physical address! During the time of XXXX to XXXX I received physical mail about pre-approval for new loans through XXXX and consolidation options but nothing about the status of my current loans. I updated my info and in their records I am in good standing. However I am on dispute number two with XXXX to have the delinquent payments removed from my credit report as it was not my fault they were not paid. I never got a chance to pay my bills because they never contacted me. XXXX is happy to remove the delinquent payment request as it was not my fault however they are waiting for XXXX to contact them and I have tried to contact XXXX but feel I am stuck exactly where XXXX wants me. This has severely affected my life as I can not get approved for loans, credit cards, apartments, gas/electric or even internet because my credit score is around. Before this incident I had never been late on a payment, paid off my credit card multiple times and was on top of my student loans however now I have to rely on my girlfriend to get approved for things. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
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: Information belongs to someone else

Complaint:
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted 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 2019-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
The amount of dispute is $ XXXX.I got some airline tickets and I wanted to cancel them the same day but the company kept me on hold and my call got disconnected few times and then they charged me a cancellation fees of $ XXXX.It was no fault of mine as I tried calling the company and they did not answer. 
I am being penalized for a service which I did not receive. 
Capital one bank representative asked me to email them the receipt of the transactions and told me they will reverse the claim after they receive the receipt but they did not take care of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-28
Company: Skopos Financial, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Accont name : SKOPOS FINANCIAL Account Number : XXXX Installment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Credence Resource Management called me. I did not answer. When I returned their call they were asking for a " XXXX XXXX ''. I told them I do not know her and that this has been my phone number for several years now. My phone number XXXX and it is listed on the do not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They keep reporting that I owe them but I dont even know who this credit company is at all so why would I pay for something I never got at all so they said my credit will go down and won't be able to ever get anything and that is really hurting my credit to even try to get a car any where

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation