BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: American First Finance, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I purchased a refrigerator from American First Finance in the amount of {$1400.00} thru their rent to own lease program. On the day of delivery, it was returned to the store because it was the wrong size for my kitchen. I contacted the store to cancel my order and refund the deposit. The store associate directed me to contact AFF customer service. I was told by their customer service associate the account would be closed and I would no longer be billed for the refrigerator. 

I'm still being billed after several attempts to resolve this matter, American First Finance has been sending harassing calls, bills, and have placed the account on my credit report. 

The attached rent to own lease contract states the return policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-02
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My account was charged several overdraft fees totaling {$260.00}. My begining balance started at {$100.00} with a transactions totaling {$110.00} which is a difference of {$11.00}. I had an ending balance of {$42.00} and was then charged the first Overdraft fee of {$100.00} that the bank then deducted the {$42.00} from my available balance and applied it to the overdraft and left the overdraft fee at & XXXX. I contacted the bank regarding my concerns and was promised a credit back of {$36.00}. This is basic math only on overdraft fee should have been applied to the account. The fees are not stated line by line only the dollar amount therefore I dont even know what they are actually charging for. This is the second time this has happens with this bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions 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:
Across the XXXX credit bureaus they have been neglectfully holding information against me all the while not reporting back to me as it has been more than XXXX days since I reached out regarding my credit report about accounts due to identity theft. My identity was compromised a few years ago as I was left defenseless to end the attacks and figure out who was opening accounts in my name, making unauthorized purchases and by the time I found help to lock my reports it was already too late. I completed the information required such as an XXXX complaint and so forth as well as added fraud alerts however XXXX, and XXXX along with experian have neglected to investigate my concerns as you will see on the attached documentation breaking XXXX  rules and regulations all the while keeping me in the dark. There are dozens of fraudulent accounts across XXXX bureaus stuck on my report in which I am reaching out to the cfpb to help me with this as these bureaus are purposely leaving fraudulent information and inaccurate information on my report. They also said I failed to provide information however, I have sent in all the information months ago as you can see on the documentation I will have uploaded providing everything I sent to them. This needs to stop after this my last resort is pursuing legal action

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 2017-12-28
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX Phone : XXXX, eMail : XXXXXXXXXXXX Date : XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I have approached Credit Reporting Agencies multiple times to correct the erroneously entered data such as delinquent, default, charged off, collection account etc. from my Credit file with them. Credit Reporting Agencies are refusing to remove the incorrect data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, affecting availability of credit from Financial Institutions. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely 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 2017-11-06
Company: SYNCHRONY FINANCIAL
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:
I have been in contact with XXXX XXXX through three letters explaining my conundrum with regards to XXXX/PAYPAL account number XXXX. 

Way back XXXX 2012, while I was still a XXXX in a XXXX XXXX, I donated {$5.00} as a goodwill to a family in need using my Paypal Account. I have a debit card linked to my Paypal Account back then and did not realize that there is an opened XXXX/PAYPAL account and was linked to my Paypal Account. Confident that this {$5.00} was charged to my debit card, I did not realize that the actual {$5.00} was charged to the XXXX/PAYPAL smart connect card. As a result, I missed the payment. This {$5.00} was then transferred to XXXX XXXX collection department that had accumulated {$87.00} including the {$5.00} principal amount which I have already paid off. But before that, the account was then charged off. 

I was never notified about this {$5.00} charge. Ive never received any bills or statement by Synchrony back. I did not even notice that Synchrony credit card has been opened and I never receive any card nor activated one. If only I have been notified about {$5.00} would have been paid in a heartbeat. Even though I strongly believe that I am not liable for the accumulated fees I still paid off the amount charged to me. 

I have asked XXXX XXXX many times to consider my situation. I could never believe that a simple gesture of kindness would cost me dearly. I could not believe that I could suffer like this for wanting to help someone in need. 

I am requesting yet again for XXXX XXXX to please consider all facts and for this account to be removed from my credit report. I have been denied several loan applications due this issue. I never intended to miss any payment especially when I have the ability to pay {$5.00}, if only I was notified. Attached to this letter are copies of the three letters I previously sent.

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 2022-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing to you in regards of my past due to payments on my account for the months of XXXX and XXXX. This delinquent account record is due to natural or declared disaster : ( XXXX XXXX ). Natural disasters can cause substantial property destruction and personal injury, including the loss of life. Importantly, natural disasters can also result in negative shocks to household finances such as lost income and major unexpected expenses. As a result, many financial institutions offer financial relief or assistance that often includes payment relief for customers affected by natural disasters. Although due to XXXX XXXX, which was declared a national disaster by XXXX, within these past months I have been struggling financially and unfortunately, I fell behind on payments. Now that things are back to normal, my credit score took a huge hit with late payments from various credit card companies. Other companies gave me a courtesy late pay removal, which has helped me and my family tremendously. So, My complaint is I was treated unfairly due to the national disaster my family I went due to the hurricane. I literally spent almost every dime I had so my family would have shelter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Experian Information Solutions Inc.
State: OH
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:
On or around XXXX17 I noticed a account from XXXX XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, I do not recognize this account as being mines. I have no contract information or any paperwork for my review. I believe these accounts are in error please delete.FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY please follow up in writing the This is the second time I have filed a complaint over this issue.

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 2017-11-06
Company: Ballybunion Enterprises, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by a company XXXXXXXX XXXX XXXXXXXX on XXXX XXXX 2017.  They only call by a blocked number. They called my husband discussing a debt that he had no idea about. The debt is not his. They threatened him that if a payment was not made they will garnish his wages and take his tax returns. When I was able to finally talk to someone at the company they were discussing a debt owed to a company by the name of Military Credit Servies it XXXX XXXX XXXX. The debt is not listed on my credit report, this debt is also 4 years old. The gave me an amount that was higher than I though and demanded if I dont pay the full amount or a down payment that they will garnish my wages and take my taxes. I couldnt afford that down payment so we made an arrangement until the down payment was paid fully and then monthly payments after that until the debt was paid off. Something did not seems right as if it was sketchy so I attempted to contact the original company I originally got the loan from but they could not provide me any information. They said it was sold so they could not provide any information. I contacted XXXXXXXX XXXX XXXXXXXX again trying to get the details of the original loan and what was the amount owed. I wanted to see previous payments and when the payments stopped etc. The guy was pretty demanding and hostile so told me if I keep calling his office to get information he will take off the deal and just garnish my wages and my husbands. He could not provide me with any original details of the debt. He told me to contact the original company. The original company told me to contact XXXX XXXX XXXX. Neither one of them are able to give me anything. The attempted to charge my account for the down payment but I never signed and return the agreement to them until I knew for sure what was going on. They attempted to contact me again saying that they will file a suit against me to garnish my and my husbands wages. I am still not able get any information about this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Avant Holding Company, Inc.
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 credit card company is Avant credit card. I have been attempting to resolve a dispute since XX/XX/2022 for an unauthorized charge in the amount of XXXX for a merchant I do not recognize. The company had never contacted me regarding the dispute. I have never used the card for any purchase since the accountnwas opened. I am also trying to close the account out. I am now being charged a XXXX late fee since I refuse to make payment on a fraudulent charge. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving repeated calls from XXXX XXXX  regarding 2 accounts that I missed some payments on. XXXX is calling my phone repeatedly and has now started calling and leaving threatening messages on family members phones. Saying I need an attorney to handle my situation and talking about legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX {$1500.00} was deducted from my Truist-B & T-Subtrust checking account ending in XXXX showing details : " XXXX # XXXX PAY DEBIT MEMO '' -Communication with the bank has been impossible : >50 minute hold times for the main number, closed branches, branch phone calls not answered, etc -I was able to speak briefly with a branch mgr. via phone who explained the branch could not assist with this matter. He did provide enough information to point me in the direction of the possibility of credit card debt from a prior owned business. I left this business in 2011 and filed for bankruptcy. This card issuer was listed as one of the debtors. Bankruptcy particulars are attached. 
-I have made several attempts to explain this to the bank via telephone but have been left on hold for > XXXX hour.

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 2017-12-28
Company: National Credit Systems,Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A Debt in the amount of {$6000.00} from National Credit Systems is being reported on my Credit Report.The Debt in question is from an XXXX I leased. I contacted the company on XXXX/XXXX/XXXX ( Spoke to XXXX ) XXXX/XXXX/XXXX ( Spoke to XXXX, & XXXX/XXXX/XXXX ( Spoke to XXXX ). I requested Validation of the Debt. I asked NCS to show me how they calculated what they assume I owe. The company replied with a lease agreement but no transaction history.By law If you saying I owe a Debt I am legally able to see how it was calculated & NCS & in compliance. Secondly, there are inaccuracies on all 3 Bureaus. Ill explain.On XXXX its reported it was opened on XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, & XXXX XXXX/XXXX/XXXX. NCS is Violating FCRA 609, 611, & 623. Please be mindful I am keeping track of when you received it & who I speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been trying to dispute a collection account by the name of Cavalry Portfolio Services, that is reporting on my credit report as newer debt, but it is past the statute of limitations for the state of Georgia ; I have successfully been able to get it removed from two credit bureaus when I submitted the dismissal I received from court but XXXX is refusing to remove this collection account from my report, stating the information is accurate, even after submitting the dismissal letter. The information is definitely not accurate ; the account with the original creditor became delinquent in XXXX and there was no further activity on the account after that. That is 8 years and the statute of limitations for Georgia is 6 years. I am trying to buy my first home and this is damaging to my credit and I can not understand why XXXX will not remove the debt from my credit report after submitting a dismissal letter from where it was dismissed last year in XXXX of XXXX because the debt is too old to sue for. I need help with this matter so I can get this removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Bank of America is my mortgage servicer. An individual named XXXX XXXX has acquired title to the property via fraud and I have filed a case in district court. 
Mr. XXXX has my social security number and is ordering payoffs through Bank of Americas automated system. They are having the payoffs sent to the title company. XXXX XXXX. They have done nothing with the 40 plus  complaints I have made since XX/XX/XXXX. Each day that I call they let me know an investigator will call. This has been going on since XX/XX/XXXX They are doing nothing and have shared my non public information with bunches of people that I didn't authorize. Please Help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2017-11-06
Company: Grimley Financial Corporation
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I spoke to a collector from Grimley Financial on XXXX/XXXX/XXXX on or about XXXX. This collector never gave the mini-Miranda. I advised this collector that " I paid this account before it was placed with grimley, I had a receipt from XXXX XXXX ''. This lady put me on hold to apparently check with the clients system. She came back and advised that this was not and that I was wrong. I told her, " ok then, I want the validation in writing that this my account and I want the intake documents showing my information. I want this removed from my credit report in meantime as so you are not violating my FCRA rights and Grimley is not to contact me until such documents are provided, as per my FDCPA rights. " ... This collector then goes on to scream/berate me about how " that time has passed and that this is my balance after XXXX XXXX XXXX XXXX payed theirs '' and that I am being rude. She then slams the phone and hung up on me! When these are my rights under the FDCPA and the FCRA. I tried to call back and speak with someone who was this collectors superior ; however, my calls mysteriously could never connect to any live individual, this again concerns me. How can I not call back and report this collector for their extremely aggressive tactics and language? I called over eight times in reply but never would connect. I feel this company was beyond their rights to try and deny mine. More like " XXXX '' Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: ROBINHOOD MARKETS INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
RobinHood Markets won't let me access my account and has had it restricted for over a year. They restricted it when an XXXX trade was halted and restricted from purchase. At this time a deposit didn't clear but it did not cost them anything because once I realized they had restricted the security for trading I sold the security for the alleged deposit. When the deposit didn't clear it was because they restricted the purchase of the stock. I don't want to shut the account down, but I do want to access funds which I already had in there before said trade.

Company response to consumer: Closed with explanation