BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i have explained to creditor Portfolio Recovery Associates LLC that i lost my temp job and do not have another job yet. the response from the customer service representative was " you'll be getting unemployment insurance. '' I did not ask this debt collection agency to be my financial advisor. they have been incredibly aggressive in calling every other day at one point. they have attached a letter dated XX/XX/XXXX from XXXX XXXX showing a lump sum owed of {$19000.00} but there are no other attached documents showing the breakdown of these prior credit card services. they have insisted i pay more minimum payments than i can afford to pay. they have called XX/XX/XXXX at XXXX XXXX ; XXXX at XXXX XXXX ; XX/XX/XXXX at XXXX XXXX. they have called on sundays as well and i have asked them not to call me on sun. despite this request they have continued to call. i have cobra health insurance expenses as well as student loans. they have called my mother in another state from whom i am estranged. they are in violation of any reputable debt collection practices. they are calling on my cell phone, my only phone, and so i am paying the cellular company to have a debt collector call me. this is badgering consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
1 ) Synchrony Bank charges customer {$100.00} in late fees and interest for a {$25.00} purchase made 4 months prior at Banana Republic. 

2 ) Customer promptly pays the total balance of {$130.00} on XX/XX/2019 upon receiving the first notification from Synchrony Bank in the mail. 

3 ) Synchrony Bank reports late payment hit to customer 's Credit Score on top charging customer in 1200 % on an annualized basis in fees.

4 ) During the 4 months, customer had not been receiving communication from Synchrony Bank about the {$25.00} balance.

5 ) Synchrony Bank made no attempt to call or mail the customer, only sending emails that were not reaching the customer.

6 ) The customer had always maintained a history of early payment since opening the Synchrony Bank account. 

6 ) Customer had over a 15 year history as a customer of Banana Republic without 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 monetary relief
Consumer complaint received 2018-12-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
1. Experian Credit reporting Agency couldnt provide me Method of Verification however you allowing XXXX, XXXX and XXXX to add items to my credit profile, and l am suffering the repercussions. 
l sent numerous letters with my driver license, copy of my social security card, utility bill and bank statement despite all these documentation - they still reporting wrong data. And violating the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1681i ] ( a ) 2.XXXX credit Reporting Agency couldnt provide me Method of Verification however you allowing XXXX, XXXX and XXXX to add items to my credit profile, and l am suffering the repercussions. 
l sent numerous letters with my driver license, copy of my social security card, utility bill and bank statement despite all these documentation - they still reporting wrong data. And violating the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1681i ] ( a ) 3. Name on current credit cards or bank loans reporting on my credit file does not match my name or address l attached my current Driver License Utility Bill and Social Security Card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Amerihome Mortgage is rejecting my monthly payments and is trying to purposely take away my home.

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 2023-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Kohl 's department store is reporting to the credit bureaus that an account has been closed and charged off but as of XX/XX/XXXX they keep updating the balance. To my knowledge if the account was closed in XXXX and charged off why is it still carrying a balance? This information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened new account at suntrust bank, XXXX fla, on XX/XX/2020, checking. Needed to deposit cash, {$5000.00}. At that time, the agent of bank ( XXXX ), did not review with me the paperwork, therefore my email was wrong and my address, so could not get on line for info nor receive my my debit card, had to go back to bank to address the issue. And to this day have not received my bank card. On XX/XX/2020, deposited a check from XXXX XXXX  ( my account ) for {$50000.00}, the same day my money left XXXX XXXX. Suntrust  said funds wont be available until XX/XX/XXXX due to confidential information that it would not be paid. They already had my money. Called several times and left messages with the branch manager XXXX XXXX, never returned my calls. Went to bank, caught her outside and said why are you holding my money, you already have it, she confidential information said may not be paid, I, why wont you help me, She Ive logged all your calls and walked away.

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 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
hello to whom it my concern, in XX/XX/XXXX I viewed my transunion credit report only to find 13 inquiries that I have no knowledge of what so ever those inquiries are listed below : 1.XXXX XXXX Inquiry from XX/XX/XXXX 2.XXXX XXXX  Inquiry from XX/XX/XXXX 3.XXXX Inquiry from XX/XX/XXXX 4.XXXX XXXX Inquiry from XX/XX/XXXX 5.XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX 6.XXXX Inquiry from XX/XX/XXXX 7.XXXX  Inquiry from XX/XX/XXXX 8.XXXX Inquiry from XX/XX/XXXX 9.XXXX XXXXnquiry from XX/XX/XXXX 10.Brclysbankde Inquiry from XX/XX/XXXX 11.XXXX Inquiry from XX/XX/XXXX 12.XXXX XXXX Inquiry from XX/XX/XXXX 13.XXXX XXXX Inquiry from XX/XX/XXXX on XX/XX/XXXX I contacted transunion by mail to ask them to remove those inquiries or to investigate or verify them they replied back with letter stating that I should contact the companies listed in the inquiries on XX/XX/XXXX I sent another letter requesting to remove those inquiries and still no response I spoke with transuion customer service on the phone several times and they refuse to remove them from my report. 
at this point I do not know what else to do in order for this company to remove these unauthorized inquiries

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 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
My information has been breached by the XXXX breach, Target information breach and I have a history of Identity Theft. Multiple inquiries on my report have no permissible purpose and don't look familiar at all. Most of the inquiries listed I have never done business with these companies nor applied for credit through these companies. I have contacted creditors of Inquiries on my credit report and they all say to go to the credit bureau. I have contacted TransUnion via Certified Mail on XX/XX/2017 and got no response back. A representative of TransUnion signed off and picked up the Certified Mail on this date. I have attached proof of this certified mailing. I have also attached the police report and FTC Identity Theft report that shows I reported multiple inquiries showing on my credit history I didn't authorize.

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 2018-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This item is my mortgage account with XXXX XXXX XXXX or XXXX XXXX XXXX. My credit report is showing an open date of XX/XX/XXXX when it should show XX/XX/XXXX Highest Balance is showing XXXX when it should show XXXX. I am requesting the updated information be made.

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 2019-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Rauch-Milliken International, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX offers you deals on combos helping with your advertise on line what they don't tell you is that their costume account representatives are very poorly trained and do not ever and i mean ever get back to you for resolutions I wanted to cancel cause their services online are very poorly managed but they would not give me a cancellation they literary make you force you to keep the membership by not getting back to you so you have to keep paying for the services I called and told them various times that I could not afford their fees they responded by telling me someone would they never did and than they would brush it to the side while they keep adding more debt to my account that i have ask over and over and over to cancel now they hire a firm to threat me by saying that if i do not pay they will cease my house my garnishments and take money out my account it is not fair hat as a client they did not tried to work with me but they are really good at taking advantage of small business like me and collecting what they never really performed well at all.I know I not the only business that feels this way they were horrible on keeping my XXXX XXXX  updated and i never ever got reports on the so called website they keep charging XXXX dollars a month plus they charge me XXXX for their so called search engine services. XXXX XXXX has been around for years but when it come to internet services they have very poor work ethics and no common sense or experience i feel very empathetic to the people that work in their company that are good people they get a bad review because of the way XXXX XXXX internet services are manage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: CURO Intermediate Holdings
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019, {$1700.00}. I reached out to the company and they would not help me. Now this reporting would not allow me to get a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, i initially contacted the credit reporting agencies back in XXXX. Of the three, Experian has responded and removed 2 of the accounts in question, they still haven't removed the inaccurate addresses, or the other accounts that i disputed the ownership of. I am not resubmitting the information again to all 3 Experian, XXXX, and XXXX, along with an FTC affidavit. I would like for them to do a proper investigation, no electronic verification and generic responses. I want them to take me serious.

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 2018-12-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company said that account was open 2014. I m never opened any account on 2014 period. It's not my

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
1. XXXX Credit reporting Agency couldnt provide me Method of Verification however you allowing XXXX, XXXX and XXXX to add items to my credit profile, and l am suffering the repercussions. 
l sent numerous letters with my driver license, copy of my social security card, utility bill and bank statement despite all these documentation - they still reporting wrong data. And violating the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1681i ] ( a ) 2.Trans-union credit Reporting Agency couldnt provide me Method of Verification however you allowing XXXX, XXXX and XXXX to add items to my credit profile, and l am suffering the repercussions. 
l sent numerous letters with my driver license, copy of my social security card, utility bill and bank statement despite all these documentation - they still reporting wrong data. And violating the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1681i ] ( a ) 3. Name on current credit cards or bank loans reporting on my credit file does not match my name or address l attached my current Driver License Utility Bill and Social Security Card

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 2018-12-24
Company: SYNCHRONY FINANCIAL
State: TX
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:
XX/XX/XXXX a company well bank called synchrony Bank did a hard inquiry on my credit stating that I had put in an application with them and was denied I never put in an application for anything with his company and I've never even heard of this company / Bank!!! I've been called the company to resolve this matter and they claim they didn't even have me in their system and had no information on me but they sent a letter to my home address so I do not believe that. I contacted XXXX to get this off of my credit but they claim because it wasn't on my actual report and it was a hard inquiry I could not get it off without contacting the police or getting a letter of deletion from them which synchrony Bank is refusing to give me because they claim they don't have any information on me but they're lying. this is happened to multiple other people I have googled this issue and I want it taken down 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 2019-09-13
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a Shell gas card from Shell/CBNA ( Citibank ) for 18 years until I filed for bankruptcy. When I filed bankruptcy last XXXX, I did not include Shell on my Schedule of Creditors ( attached ). I called Shell beforehand telling them I wanted to keep the card, I paid the little amount of money I owed them, and told them I wanted to keep the card. The card was cancelled, that's their right, but they report the card as " included in bankruptcy '' or " discharged in bankruptcy. '' I did not include them in my list of creditors, paid off my balance, I do not understand. I called Shell in XXXX to reinstate the card, reaffirm the debt ; they performed a hard inquiry on one of my credit reports for that purpose and denied me-which is their right. But i don't believe it's their right to associate their account with my bankruptcy when i paid them and didn't include them in it. 

This action contrasts with XXXXXXXX ( XXXX XXXX ). They were not listed in my Schedule of Creditors, like Shell, yet they closed the account but they are not reporting it whatsoever as a bankruptcy- as it isn't ; as Shell isn't. In fact, I am awaiting a decision from XXXX/XXXX to reinstate the card. I paid them in full like Shell. XXXX XXXX/XXXX did the right thing, Shell didn't. 

Please see the attached excepts from experian pertaining to these two accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A representative made several calls to me offering a fake settlement on the account they claim i owe money for. Asked for letter in writing n was never recieved..asked to speak to someone in management was unsuccessful. The statue of limitation to collect a debt n Texas is 4 yrs..they always call n never offer official documentation about the debt

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 2019-09-13
Company: MIDFIRST BANK
State: NY
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:
I recently opened an online savings account with Vio bank. I requested transfers from my XXXX checking account to Vio for the following amounts : XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - {$25000.00} I then received a notice that my checking was overdrawn because another transfer was requested on XX/XX/XXXX for another {$25000.00}. 

I then received a Vio email that yet another transfer was unable to process on XX/XX/XXXX in the amount of {$5000.00}. 

These additional transfers have overdrawn my XXXX Checking account and put me at serious risk of not being able to pay my bills. 

I asked Vio bank to stop the excess transfers and they told me they would need to open a dispute which could take up to 90 days. 

I finally put a stop payment for the excess {$25000.00} with XXXX that cost me a {$30.00} fee. 

I don't know if my account was hacked or how the excess transfers were initialized, but they were not done by me.

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 2018-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On a Bank of America credit card ending in XXXX, I paid the amount due within the 30 day payment policy according to the Fair Credit Reporting Act ( FCRA ). This was done electronically. I spoke with a customer service agent at B of A on XX/XX/XXXXat XXXX and his name is XXXX. During this call it was made clear to him that the payment was made within the 30 day limit according to the FCRA. He did state that a credit of a late fee assessed on my account would be shown on my next statement. Additionally, and more importantly, he said he would make a correction with all four credit bureaus to show " paid as agreed '' for XXXX, the period in question. The credit reports were not updated as per our conversation. 

I made the payment electronically. This alone should invalidate any type of negative reflection on my credit report. 

My entire credit report prior to B of A 's improper reporting to the bureaus showed no negative information for any account. 

The FCRA has a penalty assessment for the improper filing of improper data. I would expect the full amount of financial penalties to be assessed in this case. B of A is handing these situations as if they don't care. They must be held accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-24
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, i initially contacted the credit reporting agencies back in XXXX. Of the three, XXXX has responded and removed 2 of the accounts in question, they still haven't removed the inaccurate addresses, or the other accounts that i disputed the ownership of. I am not resubmitting the information again to all 3 XXXX, XXXX, and Equifax, along with an FTC affidavit. I would like for them to do a proper investigation, no electronic verification and generic responses. I want them to take me serious.

Company response to consumer: Closed with non-monetary relief