BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: Nathan & Nathan, P.C.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/20 a discussion was had with XXXX XXXX, a collections supervisor, at Nathan & Nathan advising that this debt was being disputed, I am not aware of why or how they are attempting to collect over $ XXXX, I have never entered into any contracts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I ask for relief during the pandemic just like I ask for relief on all my cards and I was given relief now that I have to start paying my bill is {$580.00} over the limit by {$400.00} my bill normally around {$100.00} last time I called in I believe its the interest that happen during the relief but to be honest I have 10 other credit cards and a couple are over the limit and the bill is no where near this high. When I called last month on XX/XX/20 a representative advised me that my bill will be {$290.00} on XX/XX/20 I have that called record on my phone. This needs to be reviewed because something is wrong here. Im a single mother and Im XXXX. I have had XXXX and I dont need the stress I have no problem paying my bill but {$580.00} is way too much to expect me to pay. I was suppose be paying this card off but the check was delayed due to a date was cancel because of the COVID virus by my lawyer. I really need this to be adjusted due to I can not afford to pay that amount. Out all my cards that gave me relief during the pandemic this is the only one like this it seems like something is majorly wrong. I been having my 11 credit cards for years and been over limit but I have not ever had to pay this much on a card. I  just feel like Im being discriminated against because Im XXXX. Thank you for your time. Have a wonderful day.

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 2019-05-18
Company: SYNCHRONY FINANCIAL
State: LA
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: Card was charged for something you did not purchase with the card

Complaint:
To Whom It May Concern : The reason for me filing this complaint with your agency is due to Conn 's store refusing to issue a credit to my credit card for a purchase I had cancel. The business practice of Conn 's is unacceptable and they don't have the right to withhold refunding my money back onto my credit card, but instead, Conn 's decided to retaliate and hold my credit card hostage due to the fact I change my mind about purchasing the appliances. This is fraudulently and I request that Conn 's issue a refund {$1900.00} immediately to resolve this complaint. 

Respectfully, 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 2018-08-29
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened an account with XXXX which is part of BBVA compass as per the bank statement I receive. They had a sign-up bonus of XXXX . I have met the terms of promotion. They still have not deposited the XXXX $ and don't give me a good response when I contact them. They have stopped responding all together now. This is a breach of their terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Someone fraudulently attempted to use my credit information. An inquiry showing up as XXXX showed up on my TransUnion today. I initiated a security freeze then attempted to call TransUnion to fix the problem. Firstly, the call center is in XXXX and I could barely understand the person I was talking to. Second, they wanted ME to contact the creditor, get a letter of validation, then mail it all to TransUnion for them to review. This process takes much longer than it needs to and is difficult to understand. I am being punished as a consumer by being forced to spend my valuable time to fix a problem that was created by a criminal. I am upset, confused, and I just want my information protected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During my subscription to XXXX XXXX a wireless network router had been installed onto my system package without my consent. Soon thereafter, a series of movies on XXXX suddenly appeared, ranging in price from : XXXX to XXXX. Customer support informed me that I was liable for the charges regardless. The time stamps for the movies were seconds/minutes apart ; nevertheless the support manager insisted that the time stamps were irrelevant. 
I had suddenly became a victim of extortion by the XXXX XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I previously had a mortgage with XXXX XXXX XXXX. Upon the loan being transferred, I completed a loan modification. The loan mod was supposed to eliminate XXXX. I am under water by over $ XXXX. Well, the loan was transferred to Carrington Mortgage. The terms of the loan modification did not carry over to the new lender. Now, the XXXX, that was supposed to be forgiven once I came out of the loan modification. That never occurred, additionally, XXXX  XXXX XXXX reported the mortgage late the entire time. Thus my home is still under water and the XXXX k was never forgiven

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX ( XXXX : XXXX XXXX   : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Experian : XXXX XXXX   : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX XXXX XXXX ( Experian : XXXX ) XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX  XXXX XXXX XXXX ( Experian XXXX ) XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX ) XXXX  XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX ( Experian : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX  XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX ( XXXX  : XXXX Experian : 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 2018-08-29
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am currently a Bbva customer, I have been charged nsf fees in the amount of $ XXXX.They stated that I didnt have funds available. As a matter of fact, I had more than available funds in the account to cover the transactions. This bank is operating just like XXXX XXXX used to do, they hound you like crazy when you go into their branches and when its time for them to resolve an issue for a customer, theyre no where to be found.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for a CD  online with Comenity Bank on XXXX XXXX, 2019. I was given an automated message that my application was denied without further explanation. I never received a letter in the mail with further details. I called the customer service number provided multiple times and each time the representative explained that the decision was made by " the system '' and that no one at the company was given further information information on the decision. They offered to let me re-apply to ensure there were no " errors '' but the system will not allow you to re-apply with the same e-mail address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My Previous Complaint : I contacted the company today, XX/XX/2019 at XXXX and spent almost 20 minutes on the phone with them. The first representative I could barely understand and I had to ask him to repeat himself several times. However, I know I did have to list every inquiry I had issues with, only to then be told transunion couldn't help and I had to go the lenders?? Even though I already contacted them directly and told Transunion this, they still couldn't do anything. I then asked for a supervisor because clearly this had to be wrong. My credit bureau is supposed to PROTECT my information and clear any inaccuracies. The supervisor however gave me the same exact runaround. What are they there for!!????!!! I need these auto loan inquiries removed. I own a car with no lease. I'm not married and I dont have kids. I don't need a car. I did absolutely none of these. XX/XX/2019 - XXXX and XXXX, XX/XX/2019 - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX  XXXX XXXX, XX/XX/2019 - XXXX XXXX, XXXX XXXX, and XXXX XXXX. I need these removed ASAP. Transunion is awful. XXXX has so much better staff that is much more helpful. 

New Complaint : It's like the company did not even read it this. The response was absolutely nonsensical. I KNOW hard inquires stay on for 2 years. I KNOW I need to write letters. ( Which I did ) I did contact Transunion. DIRECTLY, TWICE. Even spoke to a supervisor. And nothing was solved. I now have to complain again. I want these fraudulent reports removed like any normal credit reporting agency would do. These inquires were not approved by me. I made no such approval to have my credit run by any lenders in XXXX, 2019. Transunion is by far the worse credit bureau in existence.

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 2021-09-22
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being affected by ENHANCED RECOVERY COMPANY LLC ( ERC ). This company was not present during this transaction that they are referring to which is a violation, They are telling me I owe an alleged " debt '' which is a violation of 15 usc 1692b. They NEVER had my permission to contact me pursuant to 1692c they do not have my prior consent which is a violation. This company has been harassing me and reporting wrong information to the credit bureaus WITHOUT MY CONSENT which is a violation. As a federally protected consumer i NEVER gave any written consent to report this information ( 15 Usc 1681b ( a ) ). I sent out more than one letter which was NOTARIZED for them to validate this alleged debt and I haven't heard anything back. Also I sent out a copyright infringement notice that was notarized and stamped by the Secretary of State warning them to stop using my name and information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I wasnt able to payback on loan due to lost of job. Im now catching up on my bill and can not afford to pay loan back. I would like for loan to be adjusted off as a courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
syncb/walmart was not allowed to use or report that i used them.

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 2019-05-20
Company: Comerica
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My Direct Express debit card was stolen ad used to withdraw XXXX on Friday XX/XX/2019. I reported the fraud within a few hours of the withdrawals. As soon as i noticed the card was missing. 

I've been trying non-stop since then to file a dispute but haven't been able to talk to a person in order to file a dispute. I'm just put on hold fore hours until I give up. I've gone online and seen literally hundreds of complaints about the companies bad business practices. I depend on that money and am aware of the Electronic Funds Transfer Act. 

Can you help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ) has been sending me collection notices in the amount of ( {$880.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Endpoint Resolution Services (ERS)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This Company did a background check on me and contacted my landlord, my mother and my job telling them they are trying to get a hold regarding this debt, I have no idea what this debt is for because they have not informed me via mail, they just keep calling me. They preformed a background check on me without my consent and bothering innocent people about this " debt ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive contact the credit card company back in XX/XX/2020. Ive ask them to close my account several time because it was an old account. I stated that needed to clean my account because i was purchasing a home and needed fix my credit. They stated that they will send me a letter with a response about my account and could not help me at that time. Months later when i look at my credit score the only account i see that is delinquent and still no closed it this one which has rendered my credit and my plans of home buying. Ive never owed them anything and kept adding charges to this account. Which has really butchered my credit for no reason.

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 2018-03-15
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
To whom it may concern my name is XXXX XXXX. Recently while attempting to log on to my online banking, I discovered an error code which led me to call my banking institution XXXX XXXX XXXX XXXX. I called and was told by a customer service representative a lien was placed on my account due to Writ of Garnishment in the amount of {$2200.00}. I was told to contact the company who placed the lien which was XXXX XXXX XXXX. I contacteXXXX XXXX XXXX XXXX the debt collector to get verifiable information and was told that there wasnt much information they could give me and that I would have to contact XXXX XXXX Courthouse to see if they can tell me what the case is about and any other information I may have. I was told that said debt was open in XXXX and I was still in XXXX at the time. A judgement was placed on the debt in XXXX and that theyve been trying to collect in the debt since XXXX. In accordance with the Florida Statute of Limitation for revolving accounts such as credit cards the statute of limitations is four years. I was unaware of any judgement, lien,  voluntary garnishment, lawsuit, etc. associated with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: YES AUTO CREDIT
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchase a XXXX XXXX XXXX XXXX from Yes Auto on XX/XX/XXXX by placing XXXX down and making payments on the rest. On XX/XX/XXXX they came and repo the vechile stating I defaulted on the first payment. The issue I have is I never know when my first payment was due or where to make the payment. I searched through my paperwork that I signed and couldnt find any of that information. 

On XX/XX/XXXX I contacted Yes Auto to firgure out if they had repo the car because it was not parked where so parked it when went to work. Thats when I was informed they had repo it because my payment was due on XX/XX/XXXX. I tried explainning I didnt know when the payment was due and it was a mishap. I was informed that I had signed the paperwork and it was in my contract. They told me it would be XXXX repo fees plus my car payment of XXXX. I then informed them that I wasnt going to pay all of that considering I just paid a XXXX down payment on XX/XX/XXXX and wasnt intentionally trying to not make payment I simply didnt know when it was due. 

When I got to lot to obtain my things I staff person came out and got in my personal space about the key. I explained I was getting my thing. He got confrontional with me and I then told him I had a right to get my stuff in peace. Once I obtain my property I got into the car I drove in and being to leave. Then the same guy that was confrontational came running and jumped into the front of my car trying to prevent from me leaving then another person came and jumped in front of my car as well on the other side. Both were banging on my car. The first guy then started banging hard on my car staring stop the XXXX XXXX XXXX! 

Due to his deposition earlier I did not feel comfortable dealing with him and I also wanted to speak with the person that sold me car to discuss this matter and talk about my XXXX I had paid two weeks prior. 

I was informed that they tried calling me but I never got any calls to my job or personal number. I had called my reference the day that Yes can stated my payment was due and reference 1 told me that reference 2 had informed them earlier in the week that they had received a call from the car lot stating to the affect that they werelooking for their car. 

The issue I have is I didnt have the vechile 30 days before they took it back and I would have been more than happy to pay reasonable late fee if in fact I missed a payment. I dont understand how they can repo a car two weeks after someone gives them a down payment. 

My other concern is of the staff members jumping in front of my car and cursing me and behaving in a threatening manner and also trying to hold me against my will at the lot over a key, that is not worth much compared to my XXXX I gave them for a down payment on a vechile I intended on having longer than 2 weeks.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-22
Company: Herbert P. Sears Co., Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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