BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-13
Company: Fenton & McGarvey Law Firm, P.S.C.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told to send in my bank statement so they can see that I check did clear. I sent my information on XX/XX/18. I was told that they were going to garnish my bank due to a returned check on XX/XX/18 and I made a payment on XX/XX/18 to make up for that payment. So I was sending my statement to avoid garnishment. I called XX/XX/18 to check on the status of not having a garnishment because of this returned payment because I sent a cleared one. XXXX a representative stated that I had a garnishment on my bank account since XXXX of XXXX. Because I made a payment of XXXX and another one for XXXX. I have been sending in payments. I did not know of any garnishment until XX/XX/18. I told XXXX she did not know her job. I wanted to avoid a garnishment so who can I send the payment to? She stated that my bank is going to be garnished anyway so no point to send a payment. XXXX than called me right after I hung up because she felt the need to harass me at XXXX XXXX pm. After I hung up on her. Why garnish my check when I have been making monthly payments. I know it is unfair. Fenton Law Firm sent me a notice XX/XX/18 stating that my check was returned if my attempt to make this payment give them a call. I called XX/XX/18. To resolve this situtuation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Financial Recovery Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019 at XXXX XXXX PST FRS made initial contact with me on my cellular telephone number XXXX by XXXX who was attempting to collect on a XXXX XXXX   XXXX ( Acct. ending in XXXX ) in the amount of {$1500.00}. The phone call came from Telephone number XXXX. 

Violation 1 - On phone call FRS did not disclose the call was being recorded at the onset of the phone call, but instead was well after the call started. This is a violation of Cal PenalCodXXXX XXXX. 

On XX/XX/2019 at XXXX XXXX  PST XXXX from FRS contacted me on my cellular telephone number mentioned above from XXXX. 

Violation 2 - I had previously asked on XX/XX/2019 to be contacted in writing only. This is violation of revocation of consent to be contacted by telephone under The Fair Debt Collections Practices Act And The California Fair Debt Collections Practices Act RFDCPA I do not know why this company insists on recording me without giving proper disclosures and why they continue to contact me after I have asked them not to. This is causing me a lot of stress and anxiety!! I do no know why I must spend so many countless hours trying to fix this companys mistakes. I am now represented by an attorney, but no lawsuits have been filed. I expect FRS to reach out right away to my attorney XXXX XXXX to discuss the matter only. 

XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX 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 2021-04-23
Company: ENCORE CAPITAL GROUP 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 status incorrect

Complaint:
Midland Credit Management is reporting an erroneous debt on my credit file that I do not owe. I have been disputing this account with them because they keep calling to try and collect on an account that I have already paid! When I received my 30 day right to dispute I immediately called and settled the debt to avoid it from reporting on my credit file. This was a joint account between my wife and I and my wife ended up paying this account but when I looked at my credit this debt was reporting?! This account is paid! Not only that it was paid before it reported on my file so this must be removed immediately. I am also aware that while this account is under investigation you may not report any negative information on my credit file. If you continue to report invalidated information under review this can constitute fraud under both federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: EQUIFAX, INC.
State: VA
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:
Equifax continually adds erroneous information to my credit report. Not only does this continuous practice affect my credit score but also my FICO score. In XXXX Equifax reported that I had an increase of {$570.00} to the amount on my mortgage while the other two credit agencies reported a decrease of that amount correctly. I am not understanding why one credit bureau out of three continues to post wrong information and does not remove accounts that are older thsn seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019 at XXXX XXXX PST XXXX made initial contact with me on my cellular telephone number XXXX by XXXX who was attempting to collect on a Synchrony Bank Debt ( Acct. ending in XXXX ) in the amount of {$1500.00}. The phone call came from Telephone number XXXX. 

Violation 1 - On phone call XXXX did not disclose the call was being recorded at the onset of the phone call, but instead was well after the call started. This is a violation of Cal PenalCode 631-636. 

On XX/XX/2019 at XXXX XXXX PST XXXX from XXXX contacted me on my cellular telephone number mentioned above from XXXX. 

Violation 2 - I had previously asked on XX/XX/2019 to be contacted in writing only. This is violation of revocation of consent to be contacted by telephone under The Fair Debt Collections Practices Act And The California Fair Debt Collections Practices Act RFDCPA I do not know why this company insists on recording me without giving proper disclosures and why they continue to contact me after I have asked them not to. This is causing me a lot of stress and anxiety!! I do no know why I must spend so many countless hours trying to fix this companys mistakes. I am now represented by an attorney, but no lawsuits have been filed. I expect XXXX to reach out right away to my attorney XXXX XXXX to discuss the matter only. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX 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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have contacted XXXX XXXX XXXX XXXX over a dozen times explaining the Identity theft I have occurred. They have not only not granted my chargebacks on my credit card ( My money protected by the FDIC ), they have also let a fraudulent check be deposited into my account of {$40000.00}. They also call 4-5 times a day in attempt to collect the debt. I can not pay $ XXXX that another individual stole from me. I will be providing my Identity Theft Report with this complaint. This has been going on almost a year and has destroyed my life. The amount on my credit card is more than double what my credit limit is. How can that even be possible? I am not even able to login into my accounts to check what other activity is going on as well as when I call in, the representatives will not gain me access to my accounts or give me my account numbers to report to the FTC, CFPB, as well as XXXX, Transunion, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made a purchase of {$740.00} on XX/XX/19 through XXXX using their Chase XXXX XXXX card. The item was tagged on the website as being eligible for 0 % APR for 18 months @ {$41.00} per month if I used the XXXX card, which I did. After the item arrived I called XXXX on XX/XX/XXXX to verify the promotional APR, since it was not showing on the Chase on-line banking site for the XXXX XXXX card. I was told by XXXX rep XXXX that it was eligible, but that the promotions were handled by Chase. I then called Chase and spoke with XXXX who confirmed the 0 % APR and said that my payments of {$41.00} would be reflected on my XX/XX/XXXX statement. However, when we got the statement that was not the case. I called Chase on XX/XX/XXXX and was told by XXXX that they would listen to the recording of the XX/XX/XXXX call and get back to me. Yesterday, XX/XX/19, they called back and informed me that " yes, XXXX had said that, but he was wrong and you will not get the promotional APR. '' I then spent two hours on the phone with XXXX and Chase trying to get this resolved. Each of them says it is the other 's responsibility, and no one at either company was able help me even though I talked to eight different people! Today, XX/XX/19, I spoke with XXXX, " a US Supervisor at XXXX, '' who told me " that they had numerous complaints about Chase not honoring these promotions, but that there was nothing XXXX could do for me. '' CFPB please help me! Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-13
Company: Kimball, Tirey & St. John LLP
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Kimbell, Tirey, & St. John LLP sent me a notification of the debt I owed after sending a proof of debt letter. I then set up a payment plan because of the large amount of money that is being asked of me. I am a XXXX XXXX  and can not financially make large sum of payments. After my first payment last month, I noticed extra fees being added to the amount that I owed to the original creditors. I really only owe {$6000.00} and I have recently made two payments on that with the little money I do have. They have added over {$500.00} in fees to the large sum of money I am already paying on. They are making it so I will be paying on this bill for years. I am to pay only the money that I owe to the original creditor, so these extra fees need to be eliminated from my bill. They started adding these fees while I was in the process of validating this debt and they also had incorrect information with the first letters they sent me. They threatened to put a mark on my young credit report and did not send a letter to the other person who this debt was mainly under. What they are doing is unethical and they have been since the beginning of my interaction with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: EQUIFAX, INC.
State: MO
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:
Upon reviewing my current credit files it seems to be a decrepency via an account inwhich allued me to believe someone must at some point used my identity to forge such an manipulation. Now I'm demanding that this account not only be removed but blocked as well. 

1 ) ; XXXX XXXX  XXXX  {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Reward certificate dating from XX/XX/XXXX to XX/XX/XXXX expired totaling more than XXXX dollars not clearly mark as stated under California law in a font size of 10 in all capital letters

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 2019-10-08
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I would like to make an official complaint concerning Wells Fargo Retail Services Account XXXX XXXX XXXX website and televised commercial promoting the No Interest if Paid in Full within 12 Months. I believe that the information depicted therein constitutes false advertisement and should be changed to reflect the true nature of the product. 

Both the company site and the TV ad explicitly state there is No Interest if Paid in Full within 12 Months. I bought furniture on or about XX/XX/2019. However, the first time I received a bill, 1 ) I was charged a late fees, even though I made a first payment before it was due on XX/XX/2019 ; 2 ) Payments could only be made through a Non-Wells checking account, and the online website/app you can not pay by debit/credit, money order, only checking account ; and 3 ) You a required to make monthly minimum payments or I will be charged and late fee and be reported to credit bureau! This has been consistently true with every subsequent bill as well. 

This is not a No Interest if Paid in Full within 12 Months Promotion, it is actually a High Interest/Hidden Fee Charging Retail Credit Card in disguise, that 1 ) restricts payments through mandatory non-Wells Fargo checking account only ; 2 ) charges monthly late fees if minimum monthly payments aren't made ; 3 ) charges you late fees if additional payments are made on the account in the same month instead of crediting the payments to the next payment period ; 4 ) is not a No Interest if Paid in Full because you are charged late fees for non monthly payments that are not clearly advertised. ( See attached Receipt, Advertising and Billing info. ) I would request that you remove the false information from their advertisements and the late fees and charges be removed from my account, be allowed to pay by credit/debit, money order if I choose and to have a true No Interest if Paid in Full within 12 Months account As Advertised! 

Prior to and on XX/XX/2019, I spoke with Wells Fargo regarding their deceptive advertising, restricting payments, hidden fees, etc. I was given a Complaint number by their Executive Officer representative XXXX, Ref # XXXX and told that I would get a response in 10 business days. 

Thank you. 

Sincerely, XXXX 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 2018-08-13
Company: Home Point Financial Corporation
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
i was a victim of hurricane irma XX/XX/2017 my address was XXXX XXXX XXXX XXXX XXXX fl XXXX my mortgage company Home point financial advised that they could do a mortgage forbearance for me due to the natural disaster that occurred. 
I had not missed a payment before this but due to the hurricane my work was affected and i had to pay a high deductible for my roof to be replaced. the total amount was over 5000 dollars as well as hotels for my family of XXXX children. all of our groceries were lost due to power being out. I continued the mortgage forbearance until XXXX when i could sell my home and pay off all debts to the lender. i found out after the fact that they were reporting me late to the credit reporting agencies. i can not apply for a loan due to this. i would like this to be noted that i paid my load every month on time before this disaster. i would like to file a complaint against this company since to my understanding from the FHA.gov website during this natural disaster they could not report to the credit companies negative. they have done this and despite a dozen calls and letters to this company they continue to hurt my chances to buy another home due to no fault of my own. the company received their entire mortgage amount and am not able to get another loan due to their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: OH
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 am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, Equifax, XXXX they also have records and files the is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For almost 2 months now I have had issues with MyFedLoans incorrectly charging my account. I am in " paid ahead status '' on all of my loans, but despite this, they've told me their computer system does an equation ( which they don't know ), that calculated my loans would not be paid off in time so my monthly amount went up almost {$200.00}. Despite countless phone calls and conversations with managers that said they saw the problem, would work on it personally, and call me back directly, they issue was never fixed. I took it upon myself to refinance with a different company who paid off all but XXXX of my loans serviced through my fed loans ( I did not switch XXXX loans because they had a lower interest rate with Myfedloans ). I saw my full direct payment was going to come out of my account from Myfedloans despite having most of my loans newly paid off. They told me they couldn't stop the payment, but if I called back after the fact they could place it all on the loan of my choosing. I called back and they said that they couldn't change anything. After my loans were paid off my monthly amount due initially went from {$1600.00}, to {$110.00}. Now after a few days the computer has reset it back to {$1600.00}. Also, despite being paid off the system has not yet marked my loans " paid in full '' ( 15 days later ). I have discussed this staff at MyFedLoans who told me it would take a full 20-30 days to mark as paid in full, and that I " over paid '' on some of the loans and the computer would reflect that by placing that over payment on my remaining loans.

I have absolutely ZERO confidence that this company is going to be able to correctly fix any of the issues that I am having. Their customer service representatives have consistently tried to explain at length issues with my account they clearly do not understand and make absolutely no sense. Calling and speaking with their " supervisors '', does absolutely nothing to resolve any issues. I've now over paid on loans that should reflect being paid off and they are STILL trying to charge me large sums of money every month even when I have such a small loan remaining. I desperately need help. I need a definitive solution for these on-going issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had an extended warranty that I canceled when i traded in a vehicle that I had financed through Santander. Once the loan was paid off in full The warranty company canceled it properly sent the refund check in the amount of {$1400.00} to the dealership who then sent the check to Santander on XX/XX/21. I submitted a ticket with the executive office on XX/XX/21 and gave them all of my accounts info in addition to a copy of the check and ledger that the dealership wrote to Santander with amounts and dates and check numbers who at first told me they never received any check from the dealership, then a few days later they told me that that The dealership mailed it to the wrong address and that the accounting team cant find it. Only after that conversation was it brought to my attention by the dealership and their bank that Santander had in fact not only recognized but had actually cashed the check on XX/XX/21. Santander then requested that I send them a copy of the back of the cashed check in order to verify this info. Santander has my money and has had it for weeks and is willfully withholding it from me and is attempting to pretend like they cant find it. 

Attached will be a copy of the check info as well as a statement from the dealerships bank showing that the check had been cashed and money withdrawn from their account on XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, 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:
Ive been a victim of identity theft for the last 5-6 years and its been a ever lasting nightmare ... Ive lost my drivers license, identification card along with my home being broken into. My passwords have been compromised. I just need this end. This XXXX XXXX account I have no recollection of and needs to be removed. Ive submitted a full police report, FTC report as well as contacted XXXX XXXX and they can not tell me who actually started this agreement. I have yet to obtain any documentation of importance. 

XXXX XXXX XXXX XXXX Account numbers, opened XX/XX/2016 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
As of XX/XX/2019 my FICO scored dropped from XXXX to XXXX for absolutely no reason. I have no delinquent accounts or outstanding balances. My bills are always paid on time. I have an impeccable record. It appears it is either a clerical error or a problem with the algorithym coming up with the erroneous results. My FICO score should be at the excellent level.

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