BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-11
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This company reported a Debt to the credit bureaus that is not mine, this is a fraudulent account that was opened in my name, I reported this fraudulent activity to the police and the FTC. This same debt was reported to my credit last year and the credit bureaus verified and deleted this account. also I found out that this is a new collection agency trying to collect on an account that is not mine and I clearly had this account investigated a year ago. I also am a XXXX and I live on campus, I did authorize the company to call my school for proof, I do not pay for any utilities and I do not have any utilities in my name, My college pays for all room and board with my financial aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The amount says I still owe on cards that is paid OFF! XXXX  Balance!!!!!!

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 2015-09-07
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Funding LLC, is inaccurately reporting information on all of my credit reports. I submitted a debt validation request to Midland after reviewing my credit report and I received paperwork from them to fill out for a fraud claim. They did not address the inaccurate reporting. A party who purchases a debt that is in default is not a creditor. Midland is not my creditor. I have attached a copy of mycredit report showing where MIdland has inserted multiple creditor tradelines into my credit reports. This reporting is frivolous and inaccurate. Also I attached a copy of the letter that XXXX Midland certified return receipt requested. 

Midland is not my creditor. I have not signed any contract to pay any monies to Midland. I have no payment history with Midland but they are supplying payment history to credit reporting agencies. 

Midland is not my creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Target reported a change of address on my credit report which is not true. I called them numerous times which I was told by XX/XX/2021 it would be corrected as well they sent me a letter letting me know it would be corrected. Till this day its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company M. Leonard & Associates has repeatedly tried to scam me for medical bill money I do not owe. Ruined my credit score over & over by doing this. I have had XXXX XXXX fight them once for the same amount they are charging me once again {$240.00} ( which they have gradually increased over time ), which XXXX XXXX has won the dispute w/ XXXX  & had taken off my Credit report. I have also had it taken off XXXX  previously, so how these scam artist can sneak & put it right back on there I have no idea! I have a young child & am currently having XXXX XXXX XXXX. Life is hard enough without ruthless dishonest crooks like these. I have full coverage health insurance & always have. No-copay. As in XXXX. This is insane to me, bc I have never.. I repeat never seen a Dr. that does not take my insurance & dont have a co-pay. 100 % hospitalization coverage, as well as 100 % XXXX & XXXX coverage. Prescription are free. You name it. For Petes sake I get an XXXX that cost $ XXXX a year & they come to my home to give it to me each month. I dont think they my insurance is sweating a {$180.00} turned {$240.00} bill!! Obviously, this is made up, & the company is not a real Dr or hospital that this M. Leonard & Associates is billing me from! Like what entity or hospital or Dr. is MEDICAL PAYMENT DATA anyhow???? Can someone tell me?!? Sounds like a racket to me! A way good old M. Leonard & Associates found to con people out of coughing up there hard earned cash over the years, so they wouldnt ruin their creditbc hey, what else do us are us little people who eventually wan na buy a house gon na do??? 

Please help. Thank you kindly. 

PS - Attached is the M. Leonard & Associates False Derogatory Account, as well as a screenshot of my XXXX XXXX today showing no XXXX  as you can see they have disputed M. Leonard & Associates as of recently, & gotten then off my credit report only months ago. Unfortunately, these crooks made their way back on in the past few days. I noticed them on XXXX XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Synchrony bank, the issuer of the Amazon Store Card does not make statements clear to determine the minimum payment needed to avoid interest. I called after the XXXX statement was released to ask for the amount as the statement itself does not make it clear. The service representative responded with an amount of which I paid. Checking the latest statement, I was still charged interest on a balance which I am unable to calculate with the information provided in the statement. This is the 3rd time this has occurred where I have paid off any non-promotional balances and still have been charged interest. Both times in the past I have called the customer service center and they reluctantly refunded the interest charge after a long and rude conversation from the rep with no actual explanation of how they arrived at the supposed balance to which interest was applied. It is my belief that Synchrony bank is conducting business in a manner which incorrectly charges interest to customers in the hopes that we will not want to deal with the hassle of dealing with customer service and just pay the interest. I pay any non-promotional balances every month for this card without fail and I am still being charged interest. Please advise.

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 2020-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Accompanied with my monthly Capital One statement for XX/XX/XXXX - XX/XX/XXXX I received the customary personal information privacy statement, which allows me to limit the sharing of my personal information. This document has been disseminated in ALL consumer credit card statements for AT LEAST the past decade. I called customer care on XX/XX/XXXX at XXXX MST and when I asked the associate to update my privacy preferences he had absolutely NO IDEA what I was talking about. Furthermore, this person failed to follow my instructions and cold transferred me, instead of warm transferring me, so my account needed to be verified yet again. So aggravating dealing with poorly trained employees from a non-US based call center. The second associate also did NOT know what I was referring to and put me on hold for nearly 10 minutes to look for help. After spending over 32 minutes on the phone in order to complete this very simple task, as is afforded to me by law and my credit card agreement, I was UNABLE TO UPDATE MY PRIVACY SETTINGS so that Capital One can not share my personal information with ( 1 ) Affiliates for everyday business purposes ( 2 ) Affiliates to market to me ( 3 ) Non-affiliates to market to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Unverifiable no data information XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Unverifiable no data information XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: MA
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:
Good morning To Whom It May Concern, During my parent 's illnesses, our finance started a downward swirl. While I worked as travel nurse back in XX/XX/XXXX, XXXX XXXX XXXX XXXX   started the foreclosure process, I came back home to help my XXXX dad with this problem. Unfortunately, I was left with this dilemma. I joined XXXX a non-profit group and educated myself about foreclosure. The attorney and I fought against the banks for 5-6years, the Massachusetts Housing Court overturned the foreclosure ruling on my home. I got my home back in XX/XX/XXXX. Since then I was working towards a loan modification program to pay my mortgage. The loan modification was approved on in XX/XX/XXXX. I was on a three months trial which meant ( Paying on Time by XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The XXXX Preservation Departement reissued the mortgage to my home. 
I paid all of the mortgages as agreed upon the contract as of the current date. 
To my surprise, I reviewed my CRA noting XXXX delinquent report for 9months. 
I addressed this information with the bank, stating unaware of the report to the bureaus. 
This false report is badly reflecting my score while rebuilding my score and hard work. 
Please help me find a solution to this problem. I would like to regain my fico score again. I will follow up with the AGO, City Hall Mayor 's office, and my Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TD BANK US HOLDING COMPANY
State: NC
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:
Dear sir or madam, Im writing you in regards to a vehicle my wife and I punched from XXXX XXXX in XXXX ny on XX/XX/2016, we were under the understanding they ran our credit report and submitted it to there lenders for approval, instead they submitted applications to all there lenders and the all ran our credit I dont believe that we had given approval for them to do this, we are going to be looking to purchase a home, and when a lender spots all those hard inquires they are going to frown on that and it is going to hurt the interest rates they had run both our reports could you please help us Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have my bills on automatic bill pay for my THREE Synchrony Bank accounts. TWO of them are JCPenney and Amazon. On XX/XX/2021 I got a barrage of calls from Synchrony Bank telling me that my account was past due. BOTH payments went thru on XX/XX/2021. I was called AGAIN on XX/XX/2021 to make ANOTHER payment after my payments for BOTH accounts already were PAID for that month. I spoke to one call rep who asked me to make a payment. I told him that I will make another payment on XX/XX/2021. WITH OUT my authorization he attempted to make ANOTHER payment for the XXXX AGAIN for JCPenney and Amazon causing my checking account to over draft with fees plus the payments did NOT go thru resulting in my JCPenney to be closed due to THEIR error of their call rep taking those TWO unauthorized payments and it ending up on my credit reports. I had to file a dispute with all 3 credit bureaus. 

They made repeated calls to my phone from XX/XX/XXXX thru XX/XX/2021 and when I asked about what was going on they said they had a computer glitch and that was the reason for the phone calls but the calls kept on coming. Since XXXX I have talked to over 5 to 6 different call reps about my account and I keep getting the run around, the problem is not solved.

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 2021-07-10
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Mercedes Benz Financial Services
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I leased a XXXX  XXXX from XXXX XXXX  pa Mercedes Benz the second day Im having issues I took it to the dealer for repairs 2 times Im still having the same issues. I contact Mercedes Benz customer service theres no help Im thinking of hiring a lemon law lawyer if this issue not resolved I requested from Mercedes Benz customer service to exchange the car or refund they ignored my request the car has only 500 miles on it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: NCB Management Services Inc.
State: OK
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 have contacted XXXX XXXX  five times since XX/XX/XXXX. Ive also contacted the three Credit Agencies and nothing is being done. XXXX XXXX   is the debt collector for XXXX XXXX XXXX. I filed bankruptcy and received my discharge XX/XX/XXXX. This company as of XX/XX/XXXX is still reporting this account as OPEN with XXXX balance. I called XXXX  XXXX this morning only to get hung up on. This debt collector is hurting my credit score. I would like to file charges on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, on XX/XX/XXXX I contacted Carrington Mortgage to refi my house, during the refi process it came to light that XXXX XXXX XXXX had put a note for {$45000.00} in the back of my loan when I did a modification with them in XXXX. My mortgage balance prior to the refi was {$150000.00}. The loan officer told me that I needed to add the {$45000.00} Note ( from XXXX ) back to the loan, or else it would cause me problems in the future and I will never be able to do a refi or sell my house. I felt pressure in doing so, this made my mortgage payment go up from {$1000.00} to {$1200.00}, which is a large increase for me. Now XXXX county has increase my taxes and my escrow is short {$1900.00}, my mortgage payment is now {$1500.00} this is a {$510.00} increase! I am very concern that I will no longer be able to afford my home. I feel like I was pressured in this refi, and very angry about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i had did many complaints with bank of America and is ongoing thing. i feel my identity been robbed of my credit card i want a full investigate because i did so many complaints and never was resolve. i been a client of bank of America two decades i never paid late. and i don't know my bills doesn't get low. my ability i cant i need to now who is robbing my credit and the minimum is XXXX but i pay XXXX every month to get off the amount of money i owed. to get of my debt but what i see the account don't get low i see something not right i be paying i already try talking to bank of America about my complaint of my credit card but still nothing gotten resolve. also i call the credit card number i speak to the operator and still they don't resolve my complaint. i need a full investigation whats going on i feel my identity been robbed. please thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Multiple letters were sent to this consumer who can not provide original, valid documentation regarding this debt. 

Letters were sent in XXXX and XX/XX/2018.

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 2021-07-10
Company: EQUIFAX, INC.
State: IN
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation