BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: Yamaha Motor Finance Corporation USA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing my personal credit report, I've identified certain discrepancies that could significantly impact my ability to secure a home. While I understand that errors can occur, the implications of these mistakes are particularly detrimental. I am aware of the dispute process and the associated time constraints for investigation. The identified errors are as follows : YAMAHA MOTOR FINANCE XXXX. I kindly request the removal of the late payment markings and the adjustment of the negative payment status for this account to accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Genesis FS Card Services, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter on XX/XX/2023 from Genesis FS Card Services, XXXX XXXX XXXX, XXXX, OR XXXX in reference to a credit card that was opened in my name and an owed balance of {$440.00}. I had never opened this account and immediately contact Genesis FS upon receipt of the letter indicating I did not apply nor receive a credit card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I reviewed my credit reports I noticed SCA Collections was reporting a collection account on my credit. I never had any dealings with SCA Collections nor any type contract with them. I disputed the item with the credit bureaus and the item came back verified. still unsure of this debt and most certain i do not owe them i reached out to SCA Collections personally requesting proof of supporting documents they had to show me owing them and demanding that the item be removed from my credit reports. SCA Collections replied back that they didn't have substantial proof and that they're just a debt collector. If I wanted any additional information that i should reach out to the company they are collecting on behalf of directly. I called the company directly and they said they couldn't discuss anything and that i should contact SCA Collections directly. this item should be removed from my credit reports immediately as I do not believe this to be accurate or factual and have received no Information from SCA to prove they are.

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 2019-08-11
Company: Aldridge Pite, LLP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company hired their own substitute trustees who effectively helped them steal my house! And I believe they breached their fiduciary duty by failing to act in a fair manner! They not only didn't do their own research to even see if the bank actually held the loan on my house which I don't believe they did or that maybe it was paid off when the original borrower died, but they followed suitin not talking to me at all about anything and treated me as if I had stole the property when I deeded it to myself to get all the deceased people 's off it. Then they refused to let the program " Keep Your Home California '' pay them off and wouldn't issue the surplus money to me saying they would spend every last dime of it if they needed to find my companions son, and only if he didn't want it would I even have a chance. Then they straight up treated me as if I stole the property when I needed itto myself in an attempt to drop all the deceased people and get them to talk to me. Ultimately the funds were deposited with the courts for them to distribute after they had taken as much as they possibly could leaving me to patition the courts over 8 months later for it. And my question is why did they treat this whole thing like it was personal and why did they treat me so unbelievably cruel?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am contacted by Mitchell D. Bluhm & Associates law firm. For the third time. The first time was approximately 2018 when I made 2 payments of {$33.00} each. My bank refunded that to me. I did not owe them and the bill was medical and they confirmed they only work with one collection agency not the law firm. Now they're contacting me again for an amount that has been paid to XXXX XXXX billing in the amount of {$380.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For over ten years now, XXXX  has denied me direct access to my credit file with the except when I am attempting to apply for credit through a third party. I.e a credit card company, etc. 

Information continuously being reported by XXXX reflecting my both my employer and phone are incorrect. 

There should be no other employer on record order than XXXX XXXX   XXXX & XXXX, XXXX. And my phone number is : XXXX. 

XXXX must lift the fraud alert on my credit file immediately. I did not request it. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11
Company: BARCLAYS BANK DELAWARE
State: VA
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:
I made a purchase from XXXX XXXX on XX/XX/XXXX, in the full amount of {$350.00}. {$71.00} was on a gift card and {$280.00} was charged to my credit card. The order consisted of 13 items and 1 item shipped separately which I did receive but the other 12 items I have not received. The package said it was delivered on XX/XX/XXXX. The package is nowhere to be found I checked with neighbors and my spouse who I live with and no luck. I contact XXXX XXXX on XX/XX/XXXX, and was told they opened an investigation with XXXX and to wait until XX/XX/XXXX, and if the package still doesn't show up to contact them back. I contacted them back on XX/XX/XXXX, letting them know the package was still missing and was told they were still working with XXXX. I contact XXXX on XX/XX/XXXX, and was told the investigation has been completed and that they informed XXXX XXXX that the package was not located. XXXX told me I would have to contact the merchant in regards to a refund or replacement. XXXX XXXX contacts me back on XXXX XXXX denying a refund saying I have a bad order history. In XXXX I purchased an item that never arrived and they refunded me for the items and they consider that " bad order history '' something such as shipping is out of my control. They suggested I change my shipping address which is what I did with this order on XX/XX/XXXX, since I had a problem with them last year. They have since refused to replace or refund my items and they have been ignoring all of my emails and refuse to let me speak with a supervisor or manager.  I reached out to my bank Barclay card and opened a dispute however they denied the dispute and can not even provide me with reason. I'm frustrated and at this point may even close my account with this bank once I pay off my balance. I was charged for merchandise I have still yet to receive and my bank which I been with since XXXX and a company I shopped with for years have no care in the world.

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 2020-12-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
About mid XX/XX/2020 I paid off my American Express card and canceled, telling them to cancel everything from that point forward, A month late I recd an bill for less than {$50.00}, they stated it could have been a pending charge so I and paid it but again stated STOP /CANCEL any and all future charges, fees, etc. The balance was again was {$0.00}. Same thing happened again, but I refused to pay as the account was closed. A third call with XXXX  ended badly and they told me it would go to collections. XX/XX/XXXX I recd yet a third series of charges including {$80.00} of late charges, this time a young lady finally went through the process and canceled all, but was XXXX refused to waive the late fees. I feel I have been intentionally scammed. I was told initially when I canceled NO further charges would be incurred. It took a 4th person to do what I was told mid XXXX. They are turning over to collections and my very good credit will be harmed. I believe this is a company-wise policy to deceive and keep taking money from consumers. Could you help? 

American Express # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Nordstrom Stores personal Visa card. I was late in XX/XX/2017 on two occasions due to the birth of a child. My interest rate was raised from the agreed 17 % to the deliquency rate of 31.15 %. I called and spoke to customer service. I was informed I had to make 6 payments on time in order to be considered for the 17 % rate again. I got a voice mail today informing me that I was approved ... .but at the same 31.15 % delinquent rate. I would now have to wait another 6 months before the next review period.

This is a deceptive trade practice. Nordstrom is advising clients to wait 6 months, while they continue to collect 31.15 % interest, even thought the account has not been delinquent for 6 months. 

I contend that there is no review period, or anything else occuring here. They are simply coercing people into believing they will have their rate lowered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 mailed out three dispute letters with FTC numbers, police report documents, and a list of fraudulent inquiries on XX/XX/2023. The inquiries have not been removed from my credit report as of yet.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I checked my report I noticed Some has opened a FRAUDULENT Phone in my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: Accounts Recovery Agency Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report and there are 2 negative inquiries that are affecting my credit situation, it is showing medical debt collection, I first contacted XXXX XXXX XXXX to ask about this because I have been paying my medical bills directly onto the website ; I have not seen this last amount, so they told me that the account went to the collection agency Accounts Recovery, phone XXXX. 
I need this debt to be out of my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2017-12-21
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
threatens says they will keep calling to call my family about my debt and threatens to keep calling my job.call sometimes 3 times a day.keeps calling when i tell them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Experian Information Solutions Inc.
State: CO
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:
For several years now I have been trying to get XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to remove the FRAUD accounts that were opened by XXXX XXXX. I have supplied the Credit Reporting Agencies with the police report and FTC fraud affidavit and said they had to remove the block this is not right they fail to show me where i opened either one of the account and at the time was working overseas for the XXXX. So i am requesting that the fraud accounts be blocked and removed per statue FRCA 605B USC 15. Its like they can show a statement and they have enough evidence no the need to prove it or remove it. 


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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. If you wont delete the 5 late payments I want the trade line to be deleted

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 2018-03-02
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2017, I requested Experian to Block the following accounts per FCRA XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX Balance {$7200.00} XXXX acct # XXXX XXXX  Balance {$11000.00} XXXX XXXXXXXX Business Acct # XXXX I provided all required documents per FTC, including an affidavit of identity Theft a signed govt report of Identity Theft and a copy of My credit Report identifying each account. I even had all the documents notarized.

In Experians responses they never answered the primary question ; whether they blocked any of the accounts listed above. Therefore I will ask it again and to prevent Experian from any confusion, narrow this complaint down to just one question. 
Lets make this as simple as possible. 
I want to know and Experian is required to provide me with an answer, did Experian ever block any of the accounts listed above and if so, when did they block those 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 non-monetary relief
Consumer complaint received 2023-06-08
Company: SUNRISE CREDIT SERVICES, INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My employer moved me to corporate line with XXXX. I wanted to port out number to another provider but XXXX was not releasing my phone number. In XX/XX/2022, XXXX forced to open personal line and assured that grace period of 15 days would be provided. As long as I moved to a new provider with in grace period, the bill would be waived. I moved to new provider with in 2 days. 

After XXXX was raised, I had requested XXXX to create escalation ticket. I had to call on two separate occasions XXXX months apart for bill waiver to get ticket created but they seem to have taken no action on my request. I did not receive any calls or communications on outcome of my escalation request as well. XXXX wastes a lot of customer time with very out of date and bad customer practices. They create barriers for customers in porting out by using anti competitive practices.

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 2019-08-11
Company: I.C. System, Inc.
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This all started with XXXX when I received a bill earlier this year for medical expenses of {$140.00} from services received on XX/XX/XXXX for my daughter that was already paid by my Health Savings Account ( HSA ) Bank   automatically on my behalf on XX/XX/XXXX. ( I have automatic claim forwarding where a check or ACH payment is made automatically for what I owe from my HSA from my HSA bank  ( XXXX XXXX  ) ). I submitted a copy of my HSA statement to prove that the debt was paid. I continued to get calls about the debt and told XXXX that I sent a copy of my statement to prove that the debt was paid. The last associate I spoke to, on a recorded line, stated that she found my payment but that it was coded incorrectly and would need to be sent back to administration to be fixed. I was assured that a cancelled check to further prove payment was not needed and that the account would not go to collections. A month later, I received a validation of debt letter from IC Systems claiming that I owed XXXX {$140.00} that was not paid. This is the same debt that I spoke to XXXX about previously and submitted my bank statement to prove payment. I then disputed the debt and sent a copy of the statement proving payment to XXXX to IC Systems. I received yesterday, XX/XX/XXXX, a letter from IC Systems that the debt was valid and that I owed {$140.00}. I am furious and am going on vacation with my family. I now have to take time away from my family to call my HSA bank to request a copy of a cancelled check, from ten months ago, to further prove that I do not owe {$140.00}, the debt was paid, the check was cashed by XXXX and was not correctly posted to my account. It saddens me that I have to go through such great lengths to prove that a debt for a medical expense from last year was paid ten months ago. I am also concerned that this may be on my credit report as a debt and would be inaccurate as the debt was paid. I am attaching a copy of my bank statement which clearly shows that a {$140.00} check was cashed from my account that was sent to XXXX for a claim on XX/XX/XXXX on page 2.

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