BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive contacted XXXX XXXX several times in writing demanding they prove the debt they are claiming I owe

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 2018-01-18
Company: TRANSWORLD SYSTEMS INC
State: TX
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:
I have been called 2 - 4 times daily, including weekends by Transworld Systems since XXXX XXXX. They refuse to talk to me unless I confirm my information is correct. I told them, you called me, I do not know who you are and refuse to give you any information. They immediately become aggressive, and tell me they will not remove my phone number without first confirming my information and that if I want anything from them then I have to confirm my information. They refuse to remove my phone number or send me correspondence through writing unless I confirm my information and I refuse! They leave and empty voicemail, which fills my voicemail box before the end of the week. I can not delete them quick enough and have missed numerous important calls because my voicemail box is full from there blank messages. They continue calling from different numbers starting with XXXX. Several have claimed to have already contacted me via writing, I have no idea what they are calling for as they refuse to tell me unless again I confirm my information. If they have contacted me via writing, then they know my information and do not need me to confirm it. I believe this an attempt to collect a debt from XXXX XXXX XXXX XXXX XXXX, whom has already told me that I have no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Self Financial Inc.
State: WV
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am having difficulty with this company 's customer service. Each time I call the message states the hours of operation from XXXX XXXX Central tine ; however the following msg states they ate closed. This has happened for 3 conscutive days. My concern is with a bank being closed during the business hours they claim to be open? I would like to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I sent letters to TransUnion XXXX and XXXX asking them to verify and validate XXXX XXXX for two accounts with different balances but the same account number. I was never informed about the debt and didnt ever know that it existed. Both are under account number XXXX balances of XXXX and XXXX. I was sent a letter that say account were verified but with no proof of documentation that I asked for.

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 2021-02-17
Company: Bread Financial Holdings, Inc.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX - they put a hold on my card because they felt it had a suspicious activity, I have been trying to get in and pay the card off and close the account, they won't give me access to the account online to pay - will charge me {$9.00} to use their services over the phone. Won't just let me pay it off and close it, unless I give them very personal financial information over the phone, my kids names, birthdates, soc sec number, my car make and model ... it doesn't make any sense. I did not report the card stolen, or report any suspicious activity, I have NOT denied any charges. They will not allow me to just pay online and close the account. Most ridiculous experience ever. I do not feel comfortable giving all this information to someone over the phone just so I can pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CREDIT CONCEPTS, INC.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I purchased a used vehicle on XXXX XXXX XXXX less than a week later on XXXX XXXX XXXX, I discovered the car developed an engine tick. 

I brought the car back to the dealership for them to repair the vehicle, they told me it needed a new timing belt, water pump, and tensioner, they charged me {$500.00} for the work which I later found out was NEVER done, the car was picked up on XXXX XXXX under the assumption it had been fixed. 

On XXXX XXXX, the engine overheated blowing the radiator on the car. After taking it to a dealership to determine what was TRULY going on with the car. I was informed that the radiator blowing was caused by a warped engine block and ignition coils were firing into the cooling system which caused the car to overheat and blow. They found no evidence of a repair to the timing belt or water pump, the only thing they found was an obscene amount of stopleak in the cooling system which was put in by XXXX to stop the engine tick but caused the radiator to ultimately explode in the end. 

The reason for my CFPB complaint. Was that I called Credit Concepts before getting any repairs done on the car, before I made a down payment, and before I was actually obligated to pay for this car they lied to me over the phone and told me I was, they said that if I did n't pay my payment because I could n't afford the over 10k in repairs on a XXXX car, they told me they would sue me, garnish my checks and damage my credit if I failed to make a payment. I told them over the phone that the dealership lied to them and I never gave a down payment and they still refused to work with me and just continued to keep threatening to sue me, garnish my wages, ruin my credit, and make my life miserable. I am now over 17k in debt for the repairs on this car and the loan itself. The car is only worth less than $ 2k USD with the blown engine it was sold with. I have attached a picture of my phone call history and hi lighted the 3 calls made where they continuously threaten me and refuse to work with me. This entire business is built and run off of ruining innocent people 's credit. I told them I had a less than XXXX XXXX XXXX  infant they put my life and my child 's life in danger. 

I was told by Credit Concepts that all calls are recorded and stored, if they are refusing and denying having access to the calls hi lighted in the attached documents they are purging and deleting evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX and XXXX, XXXX, two fraud charges were made on my Bank of America credit card. Both charges occurred at XXXX in XXXX, FL in the amounts of {$99.00} and {$100.00} respectively. I live and work in XXXX, FL, on the opposite coast from XXXX. I work as a XXXX XXXX and have proof that on those days I was training. I was never in my life in XXXX, FL. I disputed those charges with BoA immediately. The bank declined my fraud claim noting that my card was used - not possible because the card was in my wallet at all times and no one but myself ever used it nor had the permission to use it. I still have that card, never lost it, and canceled it right after those charges. I requested BoA to reopen my case, received a form to fill out and mail back. My claim was declined again. Again I requested BoA to reopen the case. On XX/XX/XXXX, I called to inquire on the status of my claim and was told the case was still open and was advised to file a police report and fax it to the bank to further support my case. That's what I did. Approx. two weeks later received a letter from BoA - claim declined, bank conveniently stating that I did not make those charges and confirming that someone else did who had my permission ... Despite my written statements that nobody ever had that permission. I've reached a point where I have no idea what else I can do to get my money back. I've spent countless of hours with BoA on calls about this claim, my credit score taking a hit every month since XXXX because of this unpaid balance, more money lost on faxing and mailing requested info ... and still nothing. Today, XX/XX/XXXX, I've been advised by the police department to submit my complaint here on your website. Any help I would sincerely appreciate.

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 2018-01-18
Company: Navient Solutions, LLC.
State: DE
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:
While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to Navient the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX/Navient question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Experian Information Solutions Inc.
State: AZ
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:
There is an amount of the report that I dont owe. This is from a person in Texas that is trying to collect. However this is not my 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 2021-12-08
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account for XXXX XXXX is violating my FCRA rights by not deleting its account, that is XXXX years old. It's still reporting on XXXX and Equifax. It is beyond its statute of limitations to be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have used USBank for ten years without much issue. USBank had enrolled me into an overdraft protection program which I never authorized. In XXXX XXXX I was out traveling and forgot to put money in my checking account and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee. The majority of these transactions are below {$10.00} dollars. 

Instead of declining these charges, USBank charged me a series of Overdraft fees, each of them {$36.00} dollars. 

In the end, the total overdraft fees ended up being {$360.00} for over a couple of days. They waived 3 of them, bringing my loss down to {$250.00}. 

I complained to them that since I never signed up for overdraft protection so they should have just declined the transactions ( so I can use another card ) and not charged me these overdraft fees, to no avail. 

Talking to their customer service, they never offered an option to opt out of their overdraft " protection '' program. They offered some even more predatory protection options which I declined. 

I opened a complaint with CFPB to resolve this issue. US Bank sent back a PDF to show that I indeed never signed up for an overdraft program but did not refund the overdraft fees.

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 2018-01-18
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been disputing my credit for quite some time and this one was never appeared before. Attached is a copy of a Experian page showing a collection agency.

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 2021-12-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$400.00} XXXX {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Auto was repo and sold and I never received proof of sale which was sent to someone else. Sent 3 request for the loan to be validated, in XX/XX/2018, just received document and shows all paperwork was issue to someone living in Texas, which I have never lived. The car was repo from my current address in Ohio where I have lived and currently still live. Received payoff for $ XXXX, which is fees when balance was {$8700.00}. Never received notice of sale of auto.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: CREDIT BUREAU OF NAPA COUNTY, 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:
In XXXX of 2018, I started getting calls from a company called " XXXX XXXX ''. I would get calls practically every day. The operator would represent that they are trying to collect a debt and immediately ask me for my personal information -- name, date of birth and address. On every call, I demanded a validation statement, and on every call, the operator would falsely claim that one had previously been mailed to me " many times ''. The operator would always refuse to give me any details of this alleged " debt ''. In fact, I know I have no unpaid bills, so this is bogus. Although " XXXX XXXX   '' seems to have a website and a physical address in California, these calls always come from anonymous mobile numbers. This is a scam where someone is trying to get my personal information by claiming a non-existent debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: ALLY FINANCIAL INC.
State: PA
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:
Ally Financial put a credit inquiry on my report on XXXX/XXXX/16. I did not authorize this report. I sent them a letter disputing this inquiry and was sent back a generic response that inquiries are a matter of record and it would n't be removed. I did not authorize this inquiry and I would like it removed from my report.

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 2018-01-18
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On Wednesday, XX/XX/XXXX I spoke with the XXXX department with XXXX. They indicated that an individual applied for a credit card with XXXX and used my name, XXXX XXXX, and my land line phone #, XXXX, and my previous address, XXXX XXXX XXXX XXXX, XXXX, XXXX, CO XXXX to apply for a credit card. The fraudulent information that was submitted was a wrong DL # and wrong SS #. Due to my conversation with the gal with XXXX XXXX Department ( XXXX ) the person who tried to get a credit card, their application was denied due to the fraudulent information provided. I am still very concerned about this, however. The credit inquiry on my Credit Report will remain for 90 days per the gal with XXXX. There is now a Fraud Alert with them as well as on my credit reports with all the Credit Bureaus. I did the Fraud Alert with the credit bureaus just about one hour ago. It 's now XXXX XXXX MT. There are a couple of other credit inquiries on my Credit report : XXXX XXXX XXXX XXXX  on XX/XX/XXXX & XXXX XXXX on XX/XX/XXXX that are also Fraudulent. The one with XXXX, I previously reported in XX/XX/XXXX.  However, it still remains on my credit report and should have been removed after 90 day. Since I reported it, and it still is there, WHY? Thank you for all your attention in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXXXXXXXXXX

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 2018-01-18
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX, XXXX written request to validate debt sent certified mail directly to XXXX XXXX XXXX. As of today, XXXX XXXX, XXXX I have not received written documentation to validate such debt. Furthermore, I have submitted 3 times already a dispute with EQUIFAX this same information and keep being told to make contact with XXXX XXXX XXXX. I have done so and XXXX XXXX XXXX has failed to validate this debt in a timely manner. 
EQUIFAX states that this collection agency has supplied information confirming this debt belongs to me but has failed to provide me with said information. 
EQUIFAX states 'Notice to Consumers- " You may request a description of the procedure used to determine the accuracy and the completeness of the information.. '' I HAVE BEEN DENIED THIS INFORMATION IN ALL 3 DISPUTES SUBMITTED TO EQUIFAX. 
The collection agency has failed to validate this debt and I have been treated unfairly by the credit bureau in reference to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: RMA Credit Association
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX XXXX, A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX XXXX  did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Mnet Financial Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After noticing the debt on my credit report, I sent a Debt validation letter to MNET FINANCIAL INC. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, MNET Financial Inc. did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the MNET FINANCIAL INC or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested 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