BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX of XXXX, I received a knock at my door ; by Deputy of Civil court. He served me with a citation, from an attorney 's office ; claiming to be suing on behalf XXXX XXXX XXXX XXXX, who purchased the account from, Rooms to Go/Synchrony Bank XXXX 
This came as a shock, because I had not been notified prior. Nor was I sent any letters notifying me, or giving me an opportunity to make a payment arrangement of any sort. 
What's worse is, they are suing for the original amount of the item placed on the credit card. This should not be the case, as the item was {$1100.00} and the credit card limit given, was {$1000.00}. 
I created the account in XX/XX/XXXX. I ordered a sectional from Rooms To Go, through Synchrony Bank Credit. This was a 3-year term with no interest. I was given 12 months to purchase the sectional at sale price. I began making payments on the Synchrony Bank, Rooms to Go account, once I received the sectional, one month later. ( XX/XX/XXXX ). Minimum payments XXXX. I made payments consistently, for months. 
I will admit payments were a little late, but never more than 20 days late. In XX/XX/XXXX, I was hospitalized with XXXX.I contacted them for help with late payment fees. I was still making payments while sick. They refused. I was paying, but with high lates fees, it was if, I was paying anything at all. All of this, while not receiving income while sick. 
I reached out again, when released from hospital ( XX/XX/XXXX ), to ask for payment assistance. I received no help. I had made 10 payments by this time. 
When trying to login to my account to make a payment, in XX/XX/XXXX ). I found that my account was officially closed on their website. I tried to get payment history, to rectify the balance. I received nothing in the mail. 

Fast forward to XX/XX/XXXX, they have sold the account to an attorney 's office, to sue. They provided the attorney with my last payment on the account. Just the 1 payment, after I made 10 months ' worth of payments and they are suing for the full amount of the sectional. 
I have submitted my response to the citation I was served on XXXX XXXX, requiring proof of debt, in my city 's civil court. I have not received proof of my debt from the attorney, since. 
However, I received yet another citation from the civil court, this afternoon, XX/XX/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 2023-08-08
Company: Monterey Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The agency is saying that this is a timeshare account that was opened up back in 2021 in XXXX. I never travel to XXXX in 2021. I never opened up any type of timeshare account. I reached out to the collections agency I provided them with my email address. The collection agency was supposed to send me a copy of a signed contract. I never received the contract. I called them several times for updates. Can not get in contact with anyone. I leave messages nobody calls me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK
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:
Phone number XXXX called multiple times and called family because of alleged debt. They were unable to tell me the original debtor, said it was HSBC, but there were many companies under that label. I was told that mail was sent to an address that I haven't lived at since XXXX. I was told that I made payments until XXXX-I most certainly did not. I asked repeatedly for written documentation of the debt and I would be happy to settle the debt. My request was refused. I asked why it has been all these years and it's just now becoming an issue. I was told that it was the collector 's fault and the original creditor decided to pursue the matter, BUT they could not tell me who the original creditor was. I was told it was a Mastercard, I was told it was a Visa, I was told it was opened in XXXX, I was told it was opened prior to XXXX, I was told that it would be submitted to XXXX county, when I asked why it would be submitted to XXXX county, since the address in question was not in XXXX county, I was told it was a mistake, that it would be sent to XXXX county where the account was opened. All I asked for was a written document of the debt and was denied. This was either illegitimate or they were just being difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: AZ
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:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and 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 2023-02-14
Company: BOK FINANCIAL CORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of Texas has charged me over {$600.00} in OD fees on my business bank account when I specifically requested to opt out of OD Protection for this very reason! This is a secondary business account and all of our small deposits are getting taken up by OD fees when we never requested OD protection. This should be against the law to charge {$34.00} per paid OD transaction when the amount being covered is far less than the OD fee itself - this is a built in rate of lending that exceeds several thousand percentage points, which should absolutely be considered theft by large banks on low balance consumers. Being a Texas based bank, you would think they would be helpful to Texas based small businesses, but instead they are choking every penny from their accounts with ridiculous OD fees on small transactions!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: FirstPoint Collection Resources
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was in an out-of-state major car accident and injured by a drunk driver. Spent a few hours in the emergency room in XXXX XXXX XXXX in XXXX NC before being discharged, and my husband was XXXX  XXXX  to XXXX  XXXX XXXX. Based on limited insurance proceeds of the guy who hit us and pursuant to NC law, Gen Stat. 44-49/50 the lawyers could only disperse {$7700.00} to the hospital for my few hours of treatment. My lawyers also advised the hospital pursuant to NC Gen Stat 131E-91 due to failure to present bills to my medical provider ; XXXX XXXX, the balance and lien was waved and any reporting to credit bureaus would be contrary to North Carolina law and not enforceable. XXXX XXXX has turned this over to a couple collection agencies which no one has contacted me in years. It is only on my XXXX report and It is being disputed, I've called newest ; First Point Coll Resource, agency and nothing, I've tried the hospital with no response, and I am just not getting any resolution from anyone. This is now affecting my purchase of a house and needs to be resolved quick so I can complete my purchase. PLEASAE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  & XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine. In addition to child support they are also reporting XXXX XXXX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX invalidly I have no contract with these creditors, these accounts are unverified and not mine so are reporting invaliding as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
On or about XX/XX/2016 I contacted the XXXX CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a gap visa account with synchrony bank. I had received a call saying there my be fraudulent charges on my account and a letter saying my address had been changed. This was on XXXX. I called to say that I had not made any change of address and that there were fraudulent charges on my account. They would not change my address back to the correct one because they said security information did not match ( my address hasnt changed in 15 years ). They also told me that I needed a statement to dispute charges. I had called three times to dispute the charges. The statements were sent to the new address, so I had nothing. After my bill was past due the company called and changed my address back to what it should have been without any security information. I finally received a statement on XX/XX/XXXX. I called synchrony about the charges, the charges total XXXX. On XX/XX/XXXX I called and spoke to XXXX who said that a fraud claim would be started and I would not be responsible for those charges. I called back on XX/XX/XXXX to check the status of the claim and they said they had no information on a claim. I was then transferred to XXXX in the fraud department who said that a claim was started and I should get a letter with the outcome in 90 days. I called back on XXXX and the charges remained on my account. I then sent a letter to the company explaining my situation. I called back on XX/XX/XXXX and spoke with XXXX who told me that within 60 days I should have a letter on charges. I have not received any letter. Synchrony bank has transferred that portfolio to XXXX now. I was sent a statement from XXXX for the amount. I called them and they said due to the time frame they could not do anything with the charges. The lady from XXXX joined me in a call to Synchrony to try to resolve the issue but Synchrony said there was nothing they could do about it. They have no record of my account because all information was given to XXXX.Please help me. I did continue to pay off the charges I had made, because I didnt want it to hurt my credit. Thank you In the attached files, those charges with marks beside them are ones I did not make. The address on the statement is also not my address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
They are constantly lying about where they got information and how items were verified. I have advised them that they are not mine and they are steady saying items are verified by XXXX XXXX. I have disputed 2 Bankruptcies Chapter XXXX # XXXX and Chapter XXXX XXXX with them about 7 times now. They are constantly stating the item is verified. First verified by the courts and I have submitted proof that is not true and then they states XXXX  XXXX. XXXX XXXX has removed the bankruptcies because they can not verify the information themselves. They are constantly violating the FCRA. Attached you will find a letter from XXXX XXXX stating they deleted the accounts because they can not verify any information and from the courts stating they do not provide that information. If they do not have any documentation in your files to verify the accuracy of these disputed account, then they are suppose to delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report they damaging my credit. XXXX has already removed these items. This has been going on since XXXX and I have filed numerous complaints. I have now went to the XXXX  and FTC and my states attorney.

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 2019-04-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX of 2012, I went to purchase a XXXX vehicle from the dealership. I had saved up {$10000.00} to make a down payment on the car. The cost of the car was XXXX as advertised online at the time, on the XXXX dealerships website. When I went to purchase the vehicle, I was told that I would need a loan in order to complete the purchase. The dealer set me up with the finance department, and they proceeded to check my credit with XXXX. XXXX denied me for the loan, so the next step was XXXX running my credit thru the Toyota Finance department. I was immediately approved, especially after they knew that I had a substantial deposit amount. The dealership then proceeded draft up a contract. I ended up Financing the car from the dealership. I believe that I was mislead in the pricing and over charged on the interest rate. This lead to me paying double the price for a used vehicle. My initial down payment was absorbed by the company, and When interest was factored in, I would be paying the listing price. I believe that my down payment was pocketed and then the dealers calculated a rate that would end up making me pay the listed price through interest even though I had made a down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My wife was trying to set up our new XXXX XXXX, when trying to set up XXXXXXXX XXXX XXXX she entered something wrong and a phone number popped up to call. She called it and the scammers acted like they were XXXX customer service and asked for her debit card info to verify it was our account. They said no money would be charged but almost instantly they charged the account {$200.00}. I recognized this was a scam and cancelled her card, they tried to charge again later that day but since the card was cancelled it did not work. I disputed the first charge with my bank the same day but they said we gave them the card number so they can do nothing about it and we lost {$200.00}. This was on XX/XX/2022.

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 2019-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I changed my phone number 3 days ago. I OWE DEPT TO NO ONE. This is the 3rd time in 3 days these scammers have called me. Each time they have told me they would take my name off their list. This is the third time I have given them my name. This is the 3rd time they have asked me for my SS Number. This is nothing but a scam operating under " PORTFOLIORECOVERY '' They have contacted me from XXXX and XXXX. 


This is a dangerous situation for people who do not recognize a scam ; please shut them down. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Please promptly remove the phone number XXXX as they are not deliverable to me by the XXXX XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed.

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 2023-08-23
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: Personal information incorrect

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1972 My only telephone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXXXXXX XXXX See attached documents of proof XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: BARCLAYS BANK DELAWARE
State: FL
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 a fair credit reporting act [ XXXX XXXX # XXXX and XXXX and XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

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