BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX the XXXX 2022, A company by the name XXXX XXXX XXXX made a report to collebtion debt company XXXX XXXX XXXX XXXX XXXX XXXX a charge of {$550.00} the according to XXXX XXXX XXXX I was due to pay on XX/XX/2022, I have never been to XXXX XXXX XXXX, never heard of it before this incident, and base on the reviews i would never do so, upon further look on the review multiple people have made the same claims of the same amount of money being fraudulent reported it for collection, I have taken screenshots of it and I have submitted then on here.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is an account that shows up on my report but isnt mine. I disputed the account numerous times but never got any validation or verification that it is my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a business checking account at Bank of America before XX/XX/2018. When I opened the account I used a bonus offer by Bank of America for Business Advantage Checking Accounts. ( See attachments. ) To earn the initial {$1000.00} dollar bonus. I had to open a business Advantage Checking account and deposit at least {$50000.00} in the first 90 days and open and spend at least {$2000.00} dollars on a small business credit card. I did both of these things ; however Bank of America is refusing to honor their offered bonus. My Bank of America banker has told me in email that I successfully completed all the requirements for the offered {$1000.00} dollar bonus.

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 2019-02-25
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft.

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 2018-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company deleted the item from my credit report twice and did not verify the " debt. '' They re-reported it without ever sending me a written notification..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was behind on my XXXX XXXX credit card in XXXX before my new due date i caught all my payments up and paid XXXX on my report it said ok for my XXXX payment until I made my XXXX payment now XXXX says 60 days late

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 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from XXXX XXXX XXXX. XXXX started collecting my payment since XX/XX/2018. On or around XX/XX/XXXX I called into XXXX to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open XXXX XXXX XXXX   have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus XXXX, XXXX, and Transunion.

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 2018-12-04
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I put my defaulted loans in rehab through XXXX XXXX and made my 9 on time monthly payments. Navient, now XXXX, says they don't know what happened and that my loans were never rehabbed. Now I'm getting letters that my taxes will be offset because my loans are still in default. Years ago, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was advised to forbear my loans because I couldn't afford the XXXX a month payment. My loans were only for {$25000.00} at that time. I've reached out to Navient and XXXX XXXX to resolve this and they keep telling me to just keep making my monthly payment and eventually the loans will be picked up by a lender. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
From XX/XX/XXXX - XX/XX/XXXX, Bank of America Merchant Services allow perpetrators to use the theft of my personal identity and credit and the EIN of my entity in a money laundering scheme through merchant services. On XX/XX/XXXX, Bank of America emailed me a copy of a digital signed document, bearing my name and purported digital signature on a merchant services agreement. This is not the agreement I signed. The true and accurate contract is evidenced in emails to/from me and bank of America bearing an original ( non digital signature ) of the true and accurate signed agreement. I did not authorize B of A to use my name, identity and credit for merchant services. 

Over XXXX was stolen from by business that remains unremedied today. My credit score has plummeted over 300 points from collection accounts on my credit, placed in my credit by B of A. I am being harassed by creditors. It is known at this time if the crimes are continuing or exactly how many more fraudulent accounts are in the name of me or my business. Bank of America failed to follow rules, regulations and policies enacted to prevent or report these crimes and once know, allowed the crimes to continue, for over a year Bank of America became aware these crimes were occurring. Bank of America worked with the perpetrators of these crimes to try and cover up their collective crimes. Me and my business, remain liable to the IRS for the stolen money as evidenced in the XXXX 's I received from Bank of America. Bank of America and the criminals remain the only beneficiaries of their heist.

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 2022-12-14
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a XXXX XXXX credit card account on XXXX and made a charge on XXXX. The statement closing date assigned to my account was XXXX. So I was billed for my charges based on a 2 day billing cycle, with no advance notification. I asked the company to reset my billing cycle to a more reasonable date and credit my account for any fees and interest accrued under the current billing cycle. They refused and offered to close the accoutn.

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 2018-07-27
Company: CHECK INTO CASH INC.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from XXXX XXXX, didnt say the company name other than the transcription of the voicemail she left. I called her back and they said that I owe {$910.00} and they will settle for {$760.00}. They said it was from prior to 2013 but didnt have exact date and amount. I asked for documentation because I do t recall this and she said I would need to get my attorney to request that at this point and I only had til XXXX to resolve this issue. Here is the transcript of the voicemail that was left prior to me calling back : special ending in XXXX my name is XXXX  ______ I'm calling out of the processing division _ location services off of trying to locate XXXX XXXX of a formal complaint eight and three counts of raw charges that are currently pending against you please be advised it is in your best interest to make immediate contact with the _________ a senior associates in the legal department have already obtained to legal ______________ _ _________ case in court against you if you have a legal right to contact appointment directly prior __ processing which is scheduled to have local ___________ sent to your residence and ____ seven appointment to have your process please contact the legal department _____ __ XXXX XXXX  issues standard time today to possibly prevent any further charges moving forward against you carry supplies of XXXX extension XXXX please make _____________ case back it in XXXX this is your last and final notification best of luck to you ___________

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made payments to carecredit and it was misapplied to someone els account after an investigation the money was then applied to my account but they never took off late payments or the interest charges for those payments the company then proceeded to send this to collection and put it on my credit report when I asked for them to look into this issue I received a letter attached a statement for someone els XXXX XXXX account. 
I want this all fixed and they shouldn't send me other peoples account statements that's a violation of the law

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 2018-07-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Have to keep complaining, Bayview never responds back or mail any letters about modification. Finally received copy of loan documents, said need XXXX XXXX on modification paperwork even though, XXXX XXXX has power of attorney for mortgage, stated didnt want assumpiton loan, faxed in all paperwork XXXX-XXXX-2018 with both our information, no one calls no one sent letter saying missing paperwork like other companies and there is a process for customer BILL OF RIGHTS! Always have to complain to get any results from Bayview, number to call says XXXX and XXXX reps never answer goes to voice mail says hit OPTION to speak to rep going to voice mail always ask to leave a message, left a message XXXX-XXXX-18 and  still no call back! Bayview doesnt follow the procedures for California laws! Rep gave me fax of XXXX and XXXX where does paperwork go? Want modification done have complied with everything and have proof of many faxes! AND USED MY LOAN NUMBER DIDNT SHOW UP IN AUTOMATED SYSTEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Convergent Resources, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a letter from Convergent Outsourcing stating that I owed XXXX for a debt back from XXXX in the amount of {$370.00}, but Convergent was willing to settle the debt for 65 % of the balance ( {$240.00} ). 

On XX/XX/XXXX, I sent a debt validation letter to Convergent because I had no knowledge of owing this debt whatsover. 

On XX/XX/XXXX, I received a letter from Convergent stating that they had satisfactorily verified this debt, and attached purported bills from XXXX with someone else 's name someone similar to mine. 

On XX/XX/XXXX, I sent a follow-up dispute letter to Convergent, informing them that again I had no knowledge of this debt, and to look at the debt validation " proof '' they sent me, it did not even have my name on it - it was someone else 's name. 

This debt should not be collectible, as I have provided ample evidence it is not my debt, and the validation " proof '' they presented bolsters my argument since my name is not even on the invoices they submitted as validation.

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 2020-06-05
Company: Experian Information Solutions Inc.
State: AR
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 trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX  XXXX {$0.00} XXXX  XXXX {$860.00} XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$790.00} XXXX XXXX  XXXX {$1900.00} XXXX  XXXX {$1100.00} XXXX  XXXX {$220.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$92.00} XXXX XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$530.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2018-07-27
Company: Hewitt-Capital
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hewitt Capital is repeatedly calling my work despite being told I can not take personal phone calls and is a detriment to my job. This is the second time they have called me despite being told this. Just days ago I filed a complaint because this company is sharing my private and legal information with my fellow employees AFTER being told I can not take these calls at work.

These shady business practices are not only unethical but illegal and I will not put my job in jeopardy just to talk with them at work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
on or about XX/XX/2020 synchrony bank closed all of my accounts with them. i had 28 accounts, all in good standings and paid as agreed, never 1 minute late, paid more than the minimum payment due and had paid off all accounts except 9 accounts. they closed these accounts without notice! in fact i was going to use my chevron gas card and it didn't work at the pump. the screen asked me to see the cashier to process the credit card payment and was told by the cashier the account was closed. 
synchrony bank had raised my credit limit on all accounts on or about XX/XX/2020, then they closed all my accounts. the first chance i got i went online to check my credit profile and noticed all synchrony accounts closed. i started calling the synchrony accounts. i was not given any information as to why they closed these accounts. also, when paying my accounts online i was always asked if my ability to make the monthly payments had been affected by the covid 19 situation and i always responded " no ''.

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 2020-12-08
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
New Discovery I noticed on the XXXX  report and other credit bureau reports the American Express credit card account number XXXX is not my account that has a balance update of {$24000.00} on XX/XX/2020 please review Exhibits D

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX XXXX XXXX XXXX has the same account with different amounts. I have offered to settle with this company for a Capital One credit card I had some years ago. Now that I made that offer the company has two account ref # XXXX {$610.00} and ref # XXXX {$630.00}. Both of these are the same account yet XXXX is reporting this as two separate debts to all three credit bureau. They seem to be breaking the law and working against what I am trying to do with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: General Motors Financial Company, 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: Investigation took more than 30 days

Complaint:
GM Financial 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart.

ever since the inception of the loan GM has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. 

after i spoke to GM 's representatives at XXXX i was told that GM for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached. 

consequently, my credit reflects two late payments caused by GM Financial 's error to maintain a reliable and accurate automatic payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Financial Business and Consumer Solutions.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently found an inquiry from Toyota dealership that ran my credit! I verbally asked them not to run my credit because of the fact that I did not want a hard inquiry and obviously have my points go down! Nevertheless they went ahead without my permission and still ran my credit without my permission

Company response to consumer: Closed with explanation