BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting 50 calls a day to attempt to collect a 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 non-monetary relief
Consumer complaint received 2017-12-15
Company: Experian Information Solutions Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt needs to be removed immediately. I was told via phone by the original company I was not liable anymore for this as it was paid for. Please remove this from my credit 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 2020-11-20
Company: CITIBANK, N.A.
State: TX
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 XX/XX/2019, XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX. 
On XX/XX/2019, CBNA add a hard inquiriy on my credit report per XX/XX/XXXX. 
On XX/XX/2019, XX/XX/XXXX/XX/XX/XXXX add a hard inquiriy on my credit report per 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 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
These accounts are older than 7 years old and should be removed from my credit report immediately my children are now adults with kids. these payments stopped more than 7 years ago the balance remains the samePlease help me with this problem

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 2019-07-17
Company: Nelnet, 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:
Re : Formal Compliant Against Nelnet, XXXX, XXXX and XXXX XXXX. 

To Whom it may Concern : This a formal compliant against the Creditor Nelnet, and the three credit bureaus XXXX, XXXX and XXXX XXXX. They all have failed to send a written correspondence within 30 days and violated the FCRA & FDCPA laws. Nelnet was sent a certified letter on XXXX, and it was received on XX/XX/XXXX and signed by a Nelnet employee. I have not received a correspondence letter back from them. I sent the next letters to the XXXX, XXXX   and XXXX XXXX, to address the inaccurate reporting on on my credit file, but theses bureaus have not sent me back a written correspondence to get a resolution to the issues that are very negative on my credit report. For all three bureaus letters were sent certified on XX/XX/XXXX and delivered on XX/XX/XXXX and signed by each of their employee 's. I have failed to received any correspondence to address this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 went to get financing for a car loan.I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. I am an old woman, there is no reason why someone my age that has never had any run and with the law go through these type of situations. During my entire XXXX umph something years I have done nothing more or less then work hard and take care of my family! This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX  data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My XXXX card thats connected to my Bank of America account was pinging my account for charges even though my line of credit with XXXX was still full ( due to a stolen card ). Rather than alert me that this was happening, causing multiple overdrafts, bofa just kept processing these resulting in 15 overdraft fees of {$35.00} each being collected between XX/XX/XXXX and XX/XX/XXXX with charges of fees being well over {$500.00}. When I called on XX/XX/XXXX and not only let them know that this card has been stolen ( and those charges werent even legit, something Im working out with XXXX ), BofA wouldnt remove any fees and claimed to not be able to do anything further bc the fraud department was closed. I had just deposited my months check ( not knowing the extreme negative in my account ) and all the charges left me still in the red and without cash. Again, my issue with XXXX and my stolen card is certainly an issue ( as the charges were in XXXX XXXX and I was in XXXX ) but the actual overdrafts fees imposed by bofa where FAR higher than these fraudulent charges.

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 2018-04-02
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Two years ago ( XX/XX/XXXX) I was enrolled in a low deductible health insurance plan with an HSA account. There was a low balance fee ( custodian administrative fee ) of {$2.00} per month for balances under {$2000.00}. I changed health plans in XX/XX/XXXXto one that did not have an HSA. I did not contribute to the HSA nor did I withdraw from it in XX/XX/XXXX, and I did not carry any balance. It was effectively unused and deactivated. This year I changed back to the same plan as in XX/XX/XXXXwith the same HSA. In XX/XX/XXXX I was charged {$30.00} ( 15 x {$2.00} ) in fees for low balance. It's possible {$2.00} of that was for XX/XX/XXXX, but the other {$28.00} ( or minimum {$24.00} for 12 months of XX/XX/XXXX x {$2.00} ) was charged for when I was not able to use the account. I called the benefits administrator ( XXXX ) and they called in with me to Bank NY Mellon, and both parties said they were unable to reverse or waive the fees. This was in late XX/XX/XXXX or early XX/XX/XXXX.

Note that I changed addresses in 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 monetary relief
Consumer complaint received 2021-02-22
Company: ZWICKER & ASSOCIATES
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please see attachments. 
This alleged account was charged off in XXXX, and is on my consumer credit report without my consent pursuant to the FCRA and FDCPA. In XX/XX/XXXX I received this letter from this law firm stating that I owe, that's a violation in itself. As I continued reading this letter it was abusive, threatening in nature and deceptive in all manner. Along with stating this communication is from a debt collector. I have sent to them the exact same Debt Validation Letter/CEASE AND DESIST ; Affidavit of Truth ; EXHIBIT A ; and INVOICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Synovus Bank XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Whenever I as asked the teller to give me a printout of my checking account through the drive thru, one was never given. I would pull off and not get the copy. Also, my daily limit was supposed to be XXXX. On some days the bank allowed withdrawals over the limit.However, the ATM at XXXX XXXX  XXXX XXXX XXXX Georgia either malfunction and my funds were being taken out by someone who had my information because the card was stuck in the machine before I realized it. I went back to the store and one of customers gave me the card. More than XXXX plus was taken from the account. When I realized what was going on from working 12 hours shifts, I reported it to the bank. The bank said they would return my call which took more than a week. I gave them the information as best I could and went about my business. I also asked them why were they charging fees during COVID19? The bank went in and refunded the maintenance fees but not my money because it was so many disputes. A representative called and told me to file a police report. I asked her if I had to pay for it. I also told her that the rep that took my statement said they were going to put it in as fraudulent because saying ATM machine malfunctioning or having glitches sounded suspicious. I said whatever because I had friends tell me that either the machine had a faulty dispenser, worn out card reader, damaged or broken keypad, software glitches or receipt malfunction. The ATM machine I used at the above address did not dispense a paper receipt whereas I had no proof to submit to Synovus Bank. The representative said she would call me back if they needed me to file a police report. No call was made back to me. However, I received the results from them saying the withdrawals are all accurate and no funds charged back into my account. Something happens and I could be wrong but this has been going on for awhile. Yes, I have used the machine in the past but I was completely wiped out of my funds. So if the withdrawals were accurate, then why did they refund the maintenance fees and why has an attorney contacted me saying that Synovus placed charges on customers accounts when they should not have. All I know is that recurring and consecutive charges were made on my account either by the store where I once frequented because I stopped on the way home from work or someone in the bank accidently printed too many charges. The bank says this kind of thing never happen, but it does. However, someone knows how to use a debit card with and without a pin number. The bank says to report these activities and they will cover the charges but they don't. They need to send me the actual investigative report so I can know I was not scammed and who took the rest of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I purchased a money order in XXXX of 2020 the money order was lost .i made a request on there form for a refund .i payed the required 30 fee for lost mo.they claimed there was a error in my submission .and they would require additional info .weeks later nothing now I cant even get thru to speak to a rep seems like they made it so I cant get past the Automated service my name is XXXX XXXX of XXXX XXXX XXXX XXXX ny XXXX the amount of the mo is XXXX dollars the company is western union

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Resurgent Capital Services L.P.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
LVNV simply refuses to report my payments to have been made... I have paid in full through my payroll.  (attachment showing with check numbers, and we have checked, all show cashed).   Not only are they not reporting my payments but they have removed the collection of $XXXX (the original amounting showing owed) then added it back on as a new collection of $XXXX hitting me for 49 pts.  Then removed it, not showed paid, just removed so I dont get any of the pts given back... then re-added the $XXXX as a new collection hitting me again for a large hit to pts.  Then added a brand new collection for the exact same account but for $XXXX  hitting me yet again for another massive pts hit.   On one report I am actually showing LVNV collection on this same debt for all 3 amounts separately after they have removed it once and re-added it, then added 2 more in different amounts.    I have tried and tried to not only get them to provide validation of debt which they have not done, but doesn't matter now anyway, that case was closed because they replied back, regardless the information provided to be fact or not.   BUT, in the case of them refusing to show my balance paid off... it isnt being done.   NOT REMOVED because its been paid, but actually showing paid.   I deserve to get my pts back for the payments and not keep getting retaliated against by their shady ways and getting hit for over 100 pts now in the removal and adding of the same account and then not get anything rewarded back for making payments... which was under false pretenses in itself.   They hired a 3rd party to send where they filed the writ of garnishment so we thought it was being issued legally and that is what we this from... come to find out the actual order of garnishment was never signed and never issued and we were not to have made any of these payments... of course now its too late, we have made them all in the total of $XXXX without any order of garnishment ever being signed.  They have now filed for ANOTHER garnishment in the amount of $XXXX  on the exact same account and NOT reporting that I have paid off this one.    Thank goodness I we called XXXX County to find out if we had to pay any more than the writ of garnishment as they were telling us we had to and found out they had filed another writ for another amount AND that the one we had paid was never signed or ordered.   This is NOT an honest company at all!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
2 time 's on credit report, should be 1 time ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2020-10-29
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I request verification from a debt collection agency about a consumer debt I'am disputing. A certified letter was mailed on XX/XX/2020. As of to date, more than 30 days later, I have not received any correspondences from the debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Experian Information Solutions Inc.
State: PR
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:
XXXX Acct # XXXX is a result of identity theft. Item had been previously removed and was reinserted.

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 2019-02-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Hi I have an HSBC XXXX XXXX. HSBC put through a balance transfer of {$1500.00} on my account without my consent. They have acknowledged to me that they did this without my consent and are blaming it on a system error. They are refusing to credit be back the {$1500.00} and the fees they charged me for the balance transfer. They claim it is an automated system error and they can't 'reverse ' the error and hence I have to 'live with the balance transfer '. This is OBVIOUSLY illegal. Additionally, they have been charging me a cash advance fee of approximately {$220.00} each month when no cash advance was ever taken on the account. They can't find a record of any cash advance ever taken by me, but have been charging me every month. Additionally, I sent a payment of XXXX 8 days ago, and they said they don't have to apply the payment until 10 business days later - thus charging me interest for the amount. HSBC has refused to call me back in this regard citing their system error and has refused to rectify all errors. Please help me as they are clearly behaving illegally. The account number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing an account in my credit report and the bureaus have not given answers as of the status of the disputes so far. 

I started sending letters from 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 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing an account in my credit report and the bureaus have not given answers as of the status of the disputes so far. 

I started sending letters from 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 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
A company by the name of tower loan has been putting inquiries on my report for the past 3 years. They have contacted distant relatives threatening them, and harassing me. I have never filled out any loan requests for this company, and have never given them my personal information. There are three unauthorized inquires On my report dating all the way back to 2018. They send blank checks to my address, without me giving them my information. These inquiries on my report are illegal, and all three credit bureaus refuse to remove them, nor offer any assistance. This is going on 4 years with unauthorized access to my credit report, and even adding more fees to a fraudulent loan.

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