BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a credit card with synchrony bank for use at guitar center stores. This is a nationwide chain for musicians to be able to purchase expensive items and fiance them. They offer the financing options through a credit card company that done through synchrony bank. 

I have had this card for a years time. I have had PERFECT payment history with the card and usually paying more than the minimum payments. I noticed they have an option to view your credit score. I clicked on this and it said my credit score was around 560 ... I was SHOCKED. I immediately got onto XXXX and the XXXX websites to check my score. Both of my scores on these sites were around 630 to 650 due to high card balances. I got a hold of the bank and told them their scoring system is fraudulent and incorrect. They said they would look into this for me and try and figure out what was going on. I never once heard back from anyone there. 

Last month in XXXX they decided to randomly close my account for no reason what so ever. I never got a phone call or anything. But apparently I will be getting a letter in the mail stating why. Now the closing of my account is totally unjustified when I have had perfect payments with the company. I feel their use of a fraudulent credit scoring system is a result of this closing. 

My credit score is now effected even more so now and has gone down do to this closing because its showing my available credit even lower and is showing me using 105 % of my allowed credit. 

I don't understand how this is even legal or allowed

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 2018-08-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My son, XXXX XXXX, was seen in the ER on XX/XX/2016. Although he was eligible for care our insurance provider at the time of visit, the billing company for the provider ( TeamHealth ) did not process his claim through our insurance provider. I was never contacted regarding this claim as the medical billing company entered my information incorrectly into their database. I was not aware of the debt until I saw a collection appear on my credit report over a year later. When I contacted the medical billing company, they verified that they had in fact mis-entered my name and address and my son 's date of birth and insurance information. The insurance provider ( XXXX XXXX XXXX XXXX XXXX ) has contacted both the medical billing company and the collections agency ( Wakefield and Associates/ XXXX XXXX XXXX ) to validate that XXXX was eligible for coverage at the time of service and that the claim needs to be processed through his insurance. The medical billing company and the collection agency have stated that they refuse to process the claim as the timely billing window has passed and they do not want to have write off the amount but, rather, expect for me to pay. This debt is consequence of an error on behalf of medical billing, has still not been processed through insurance, and is not my debt. 

I submitted a debt validation letter ( attached ) and was provided with a bill ( 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 2020-08-22
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last Fall, I became aware of a company claiming I owe money on a telephone bill that is not mine. They were making derogatory reports to credit agencies. On XX/XX/XXXX, I challenged that company - XXXX XXXX XXXX - to prove this alleged debt was mine according to to the Fair Debt Collection Practices Act, something which I knew they could not do, and once they could not, that they would have to desist their activities. They sent me an invoice, pretending that this constituted proof of a debt. On XX/XX/XXXX, I responded with a Cease and Desist, with which XXXX XXXX XXXX failed to comply, so I filed a first complaint with FCPB where I prevailed. I forwarded all of this information to the alleged debt originator, XXXX, informing them that if it truly was them who was alleging this debt, they or their agents must comply with the law. The issue seemed successfully resolved. 

In XXXX of XXXX, I was contacted by Convergent Outsourcing, Inc. alleging a debt with XXXX. On XX/XX/XXXX I replied with an immediate Cease and Desist, informing them of the past events and that they and their alleged originator were still bound by the prior Cease and Desist and the findings of the FCPB. Today, XX/XX/XXXX, I received a letter from Convergent Outsourcing , Inc. claiming that they had " resolved my dispute and confirmed my debt '', once again submitting the unacceptable and illegal use of a simple invoice in lieu of the legally required signed document or court order - which of course does not exist - even though they had been served a Cease and Desist and not a dispute, and had already been informed that I was fully aware that an invoice was not proof. Moreover, any legal and legitimate collection agency would know that an invoice does not constitute proof of debt under the Fair Debt Collection Practices Act.

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 2020-08-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a transfer from Bank to Bank for XXXX and I never received the money, then I saw that they had hacked my account and they changed my information and the Chase bank did not respond to me ; They just tell me to talk to XXXX and I contact them and they send me to Chase again and I can't get out of there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On or about XX/XX/XXXX, My concern is Loan & card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX through XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, POOR condition, as if overnight. Lacked Consideration refinancing current Loan and card credit line increase to provide for balance transfers to slow down the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. The rate increased and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. Loan and Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TD Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We just pulled our credit score while looking to buy a house. It showed a huge ding from Bestbuy Citibank card that we havent used or received a statement in over a year. It showed a balance and 5 missed payments. We called to find out what it was they said we were being charged for debt protection/ forgiveness plan and late fees. Then we were transferred to Citibank to be told the same thing and that we signed up in 2010 when we applied for the card. I have never signed up for these programs ever, I would never agree to pay a monthly thing like this that is useless. I told them this and they transferred me to the program within Citibank and she was able to cancel it as if today, but not to get the charges reversed or refunded. No one was able to help us with the fact they reported us to the credit bureau for missed payments ( 5 ) for this ridiculous service that I did not sign up for. And it is important to have that removed. Im being punished and charged for a service I did not agree to!

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 2021-05-04
Company: JPMORGAN CHASE & CO.
State: PA
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 XXXX XXXX XXXX XXXX  received a phone call informing me a transaction was attempted of {$720.00} on my Amazon XXXX Visa card XXXX XXXX OH and I should call Amazon Customer Service XXXX I called Chase bank  customer service which issued the card and Amazon Customer service, both stated that transaction was not evident on my account and recommended reporting it as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
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: Information belongs to someone else

Complaint:
THE FRAUDULENT ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME. 

1. XXXX 2. XXXX BANK 3. XXXX XXXX XXXX 4.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: OneMain Finance 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: Information belongs to someone else

Complaint:
I and my son have the same names and this sometimes causes errors in my credit report because financial movements not made by me appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: CA
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:
In XXXX of this year a collection showed on my Experian report from XXXX XXXX. I called them and found it was from auto club auto renewal from 3 years ago. I explained I had auto club 4 years ago, canceled them when I changed to XXXX which Ive had for 4 years. Ive demanded it be removed three times and its still on there.

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 2020-11-14
Company: Worth Finance Corporation
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: SLM CORPORATION
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sallie Mae misrepresented themselves in a letter dated XX/XX/2021, stating loan payments were late and it would be reported XX/XX/2021. All past due amounts were paid on XX/XX/2021 BEFORE the due date. Credit bureaus were contacted for delinquency on XX/XX/XXXX and my credit score plummeted 70 points! There was no phone call or email prior to notification of credit bureaus being contacted. I am a co-signer for my emergency nurse daughter. Her payroll was effected by Covid-19 illnesses and she was not paid on time. Automated payments were late, while she is frontline keeping people alive. I contracted Covid-19, am XXXX, and many of my clients are 6 months late. We struggled to get them the late payments before XX/XX/2021 and were surprised to find out they had reported a month earlier. Sallie Mae was always late in posting payments, if at all, but have no problem robocalling everyday from XXXX to XXXX every hour, even when the account was up to date. My daughter had to call them several different times to ask them to stop harassing me with phone calls when there was no delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After reviewing my current credit report from Experian credit reporting agency. I notice that an account under the name ( XXXX XXXX XXXX  ) reports inaccurate, misleading, Unverifiable, inconsistent information on my consumer credit report. 

Account : XXXX XXXX XXXXnk : Currently reports inaccurate balance and credit limit amount. A violation of FCRA rules. Sec 1681.

: Currently reports no last date of payment as required by fcra rules section 1681. As a result this is a violation.

: Currently reports no date of first delinquency. A violation of FCRA rules section 1681.

Currently reports multiple charged off status each and every month after Account has been changed off. A violation of FCRA rules section 1681. 
Currently reports Account last updated in XXXX of XXXX, while account was last disputed in XXXX of XXXX a clear indication that account was not properly investigated. A violation of FCRA rules section 1681.

Currently reports in comments that account meets fcra requirements, while reporting inaccurate, misleading, Unverifiable, information. A violation of FCRA rules.

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 2019-11-18
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting a new collection to my credit that I never received information on. This is in violation of my 30 day right to dispute as I never got any notice and only saw the collection once I had my credit pulled.

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 2021-05-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX {$1500.00} Balance updated XXXX XXXX, 2021 This debt does not belong to 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 explanation
Consumer complaint received 2021-05-26
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There are several accounts that were opened in my name while i was incarcerated and when released i went to a lawyer who advised me to file bankruptcy and that would fix the problem which it only made things worse on trying to move on with a good and normal life Ive contacted the consumers several times explaining that these account were opened with addresses that I never lived at and that is the case of identity theft at the time I was released I put a fraud alert on my file and that seemed to help and once that was removed and a few years later I have another case of identity theft coming from applying for a loan on line and that caused my bank accounts to be breached and it put my account at a - XXXX dollars so Im hoping with this report this can clean the problems of fraud done under my name with several accounts closed on my reports and all the inquiries done without my consent. Accounts as Best Buy and inquiries, XXXX XXXX  cards, Macy 's, XXXX, XXXX XXXX with account and several inquiries. XXXX, XXXX XXXX, with inquiries, XXXX  XXXX, XXXX , XXXX , XXXX Auto that was paid off in full by my insurance, And 17 inquiries done under 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 2020-11-25
Company: EQUIFAX, INC.
State: MI
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:
I have disputed 2 publuc records that are not mine and the credit bureau did not remove the error. Both XXXX  and XXXX removed this incorrect information from my report. I can not reach anyone by phone even though the information im inputting is correct. Its only giving me an option to correspond by mail. I contacted the court and they also could not give me any info on these inaccurate records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
upon checking my credit report i noticed there is a company on my report numerous times trying to collect over XXXX dollar from me i have tried to call them but no answer i dont know who they are and i have never signed a contract with them in person or electronically nor ethier any of there affiliates

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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 6 accounts showing on my credit report that do not belong to me in any way shape or form I need these accounts off my credit since I have not approved, opened or used these accounts!!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2018-05-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2021-05-27
Company: BAM Management US Holdings Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have been depositing and trading crypto at XXXX and several months now, Today I find I can not trade nor can I withdraw any of my money from them, not sure what can be done? their customer service is a joke and all they do is repeat canned info back at you instead of really giving you answers to your problems

Company response to consumer: Closed with explanation