BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank closed my account for no reason. My account was to help people with no money around my neighborhood. The whole neighborhood XXXX me weekly so we can feed and cloth people that need it. Not sure why they closed my account and now I got no access to my money or no answers. They hung up on me twice. This money was all legit so Im confused on why they just shut my account down with no answers. I read a lot of bad reviews about citi bank and just wan na make sure I receive this money back. Thank you very much

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 2017-10-06
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: Account status incorrect

Complaint:
the account number from XXXX XXXX does not have any delinquencies, letter attached from the creditor. please help me to remove the inaccuracy from XXXX  and equifax and XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit report and I noticed that I have a collection from XXXX XXXX XXXX for XXXX XXXX for the amount of {$530.00}. I disputed it with the credit agencies but have been unsuccessful. This account was open fraudulently. I need this to removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My name is XXXX XXXX. I am the XXXX XXXX for XXXX XXXX XXXX XXXX. One of our production foreman has been receiving repeated collection calls for one of our former employees. I am aware that they are not permitted to call work. I have contacted them myself to complain and ordered the calls to stop. The latest was received today. The company is XXXX XXXX & their number is 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 2023-08-25
Company: Mr. Cooper Group Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On at least two occasions XX/XX/23 and XX/XX/23, I've spoke with someone to request that my phone number be removed from their database. Both times they agreed to do so. They continue to call looking for different individuals which is very disruptive to my workday. If I don't answer the call they will leave a message that I don't need. 

Please have them STOP calling my workplace looking for their debtors, it is highly inappropriate and annoying. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I called my mortgage company XX/XX/XXXX to make a payment as i was having troubles making a payment online through their website. I was told by a representative that i could make a partial payment of my total balance of that month and that i could make the payment difference by XX/XX/XXXX to not receive a 30 day late report on my credit. I attempted to make this payment by the XXXX while on vacation but was unsuccessful again with their online site. I called customer service to make the payment and opted to receive a call back because the automated system said there was wait times were longer then usual. Because ive done this before with this company and have received a calls back, but this time i didn't. I never received a call back for XXXX hours and when i did it was the automated system asking me to call them back. So i did and after going through verification i was told it was after business hours and i would need to call back the next morning which was difficult as I was leaving on a flight that night out of the country. I was not able to call and i was still having trouble making this partial payment of the difference on their website while out of the country so was left with any other choice but to contact upon my return. I called again as soon as i return to the states as i got off my plane before my next connecting flight, and spoke with a representative who was very rude and continued to cut me off as im explaining the situation and after confronting her about raising her voice she yelled and said " I could talk to you however i wanted '' and hung up on me when i requested to speak to a supervisor. I called AGAIN right after this to continue to make the phone payment, and then a representative informed me that partial payment should not have been taken in the first place and that's not how the company operates. I request to speak to a supervisor again in hopes to make my payment and hopefully get some resolve with the credit reporting, and was told i would receive a call back within the hour. I did not receive a call back once again. Upon finally returning home i call again and this representative also confirms that no partial payments should have been taken and that i was given wrong information and i proceed to make the with them as days have gone by of no returned phone calls from supervisors and it is only hurting my chances of fixing my credit further. The representative ensures me that i would get a call back within the hour, and AGAIN this does not happen. I have finally spoken with a supervisor today who was very kind but says they couldn't reverse or update the 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 2021-02-03
Company: Exeter Finance Corp.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have carefully reviewed my credit report and notice there were some accounts that are not mines, inaccurate and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : Exeter Finance, LLC. # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX ), XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX ), XXXX XXXX XXXX ( # XXXX, # XXXX ) XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX Bur # XXXX. 
Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX Solutions # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  ( # XXXX, # XXXX, XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to report to my credit report 2 times is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization.1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX Ct XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Unknown inquiries : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Good morning and thank you for reading this information. I am a client of Carecredit/Synchrony and My account was enrolled in a plan. 
After contacting Carecredit/Synchrony Bank XXXX XX/XX/2023. The issue was related to a financial hardship I was having and was unable to pay my account. After speaking to the representative that day over the phone my account was closed, and I was advised that based on the information I provided I was able to secure a Payment plan due to my expressed hardship. After enrolling and making several payments I was shocked to learn via a statement that I was imposed an additional charge for interest, I contacted customer services and was advised that a senior manager would attend to this matter. Months have passed by, and I have yet to hear from anyone. At the time of my enrolling in the payment plan ( XX/XX/2023 ) my balance was approx. {$850.00}. However, upon receiving my statement for XX/XX/2023 closing date my new balance reflected {$1000.00}. The summary stated it appears to be an interest charge for {$260.00}. If your office can kindly assist me with this matter, it would be greatly appreciated, I can't seem to comprehend why and I refer to the below caption that if my account was already closed why Synchrony would add that additional interest charge during a n existing Payment Plan. 

" " Your account is now enrolled in our Customer Assistance Plan. As a part of this payment plan, if your account is not already closed it will be permanently closed. Upon enrollment and for the duration of the payment plan, Synchrony Bank will reduce your APR to 0 %. '' ''

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 2023-08-25
Company: HOVG, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX turns over unpaid Super Speeder tickets to XXXX XXXX XXXX XXXX for debt collection. The mailed notification of the Super Speeder fee ( {$200.00} plus a {$50.00} reinstatement charge ) -- a separate action from the initial traffic citation -- does not disclose this practice to the consumer. Instead, the notification gives consumers a choice : pay or have your license to drive in Georgia suspended. Because I was away from my home address, I received the Super Speeder fee notice dated XX/XX/2023 on XX/XX/2023. I had promptly paid the initial ticket of {$640.00} on XX/XX/2023. I opted not to pay the additional Super Speeder fee, since, as a New York resident, I do not intend or need XXXX XXXX in Georgia ever again. Subsequently, I received the bill from the collection service dated XX/XX/2023. 

I notified the collection service both in writing on XX/XX/2023 and by phone on XX/XX/2023, as well as by email on XX/XX/XXXX, that I was disputing the debt. The collection service noted the dispute but warned me that I might still be liable for the payment when I renewed my New York license. I am also concerned about consequences to my credit rating. 

I believe that the State of Georgia gave me a choice, which I exercised, not to pay and to incur the consequences. The selling of my debt to a collection agency is in violation of the Fair Debt Collection Practices Act and represents extortion of an invalid debt. I have contacted XXXX XXXX, Deputy AG in Georgia as well as the FTC about desisting from this practice. At the least, Georgia must notify drivers through highway signs ( as is done in New York ) about liability for additional fines, and disclose on notices that failure to pay may affect credit ratings of drivers. 

How do I insure that adverse results of this unfair debt collection practice do not affect other future transactions ( credit rating, license renewal in NY )?

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 2022-01-28
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
While incarcerated I did 9 months in prison my unemployment money was coming into my debit card every month and a man named XXXX XXXX stole all my possessions while In there in including my debit card and stole almost XXXX from me and I dispute it and they denied my first dispute even though I provide documents stating I was in prison.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-22
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
No knowledge of this account.

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 2023-08-25
Company: NETWORK CAPITAL FUNDING CORP
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My mortgage was purchased by Network Capital at the end of XXXX. In XXXX XXXX  I was informed that I was late on my mortgage payments, I had automated payments set up and didn't understand how this could be. I spoke with Network Capital to understand the issue, and they let me know that my payment had increased in the short time I had been with them. I informed Network Capital that I was not made aware of this change and would have adjusted my payments if I had. Network said that I would be able to see this from my portal. I let Network Capital know that I never could get access into the portal and Network Capital said that this is an issue others were having in my situation, XXXX XXXX XXXX 's customers that were now Network Capital customers. We eventually got portal access and then attempted to get setup with automated recurring payments through Network Capital now to avoid issues with payments increasing in the future. In XX/XX/XXXXXXXX  I reached out to Network Capital to get the credit deletion letter since my credit has been effected by Network Capitals errors. I also reached out directly to XXXX XXXX to file a dispute to repair my credit. Network Capital denied my dispute. I have since setup recurring payments multiple times in the last several months, however it wouldn't stick even though I have emails confirming the recurring payments had been set. I have more late fees because of the recurring payments failing and have had multiple calls with Network Capital to get this late fee wave that is causing me to show delinquency in my payments continuing, which continues to affect my credit negatively. I have had at least 2-3 calls on average to Network Capital each month this year. I have spoken to Network Capital supervisors ( XXXX, XXXX, and XXXX ) requiring that I get a call/voicemail within a week of our conversations to confirm that payment is received, I have never gotten a call/voicemail back. After talking with each Network Capital Supervisor I never hear back from the same person again. I had my most recent call on XXXX  and demanded that I speak with a Network Capital employee that is above the Supervisors I have spoken with, XXXX is the Manager that was not available to take my call and would call me back within XXXX hours of the XXXX PST call. I need all late charges waves, the recurring payments through Network Capital to stick, and for my credit to be repaired. This has frozen my HELOC with XXXXXXXX XXXX and caused me to spend hours during work hours. The current issue with Network Capital is task # 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 2021-03-29
Company: Affiliate Asset Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep getting calls related to a medical bill for my son that occurred in XX/XX/XXXX. I paid the bill entirely in XX/XX/XXXX. I sent copies to XXXX XXXX XXXX in XXXX and XXXX showing not only the date of service but also that the copies of the cashed check. I've dealt with this now in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now again in XX/XX/XXXX. The debt was passed on to Affiliate Asset Solutions and I've had to start the entire process over. Every interaction I've had with XXXX -- including an XXXX and a XXXX was met with a very rude reaction to my questions and comments. While they " technically '' answered my questions they did so in a passive aggressive/attitude driven way. I feel as though I've being treated unfairly when I've actually gone over and above to prove that I've paid the debt they are attempting to collect. 

The final answer they've given me is that it's pending review and it will take up to 60 days and I will have no notification if the debt is closed successfully which is unacceptable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a consumer i have expressed my rights under US Code 15 1681b and your company has either ignored or continued to violate my rights! this is my last attempt to give you a chance to delete these accounts, or I will send my invoice and I my lawyer will take legal action ASAP!

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 2022-01-28
Company: NAVY FEDERAL CREDIT UNION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I RECENTLY HAD A DISPUTE WITH A MERCHANT WHICH RESULTED IN MY NAVY FEDERAL CHECKING ACCOUNT BEING CLOSED DOWN AFTER FURTHER REVIEW NAVY FEDERAL ASSISTED ME WITH RESOLVING THE DISPUTE AND SETTLED IN MY FAVOR FOR THE AMOUNT OF {$1800.00} ITS BEEN A ONGOING ISSUE AND DELAY ( WEEKS ) WITH NAVY FEDERAL RETURNING THE FUNDS TO MY ACTIVE SAVINGS ACCOUNT THAT I HAVE WITH THEM IVE CONTACTED AND SPOKE WITH 9 DIFFERENT SUPERVISORS EXPLAINING THAT THIS IS CAUSING A BIG FINANCIAL HARDSHIP ON MY FAMILY BY FUNDS STILL NOT SHOWING IN MY ACCOUNT ACCOUNT NAVY FEDERAL CHARGED OFF MY CHECKING ACCOUNT FOR A OUTRAGEOUS AMOUNT THAT I FEEL I WASNT RESPONSIBLE FOR ALSO IT WAS STATED A ACCOUNT CANT BE CHARGED OFF UNTIL AFTER 180 DAYS OF THE UNPAID DEBT BALANCE THEY HAVE TAKEN 3 MONTHS OF CHILD TAX CREDIT PAYMENTS ALONG WITH ADDITIONAL FUNDS I HAD REMAINING FROM ANOTHER ACCOUNT I HAVE WITH THEM PROVIDED NO LEGAL RIGHT TO DO SO OR EXPLANATION ON WHY THE FUNDS WERE CONSTANTLY BEING TAKEN FROM MY ACCOUNT IVE BEEN GIVEN NO EXPLANATION OR ASSISTANCE ON WHEN I WOULD RECEIVE ANY OF THE FUNDS IM ENTITLED TOO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Crescent City Credit Recovery, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To Whom It May Concern, In reviewing my credit reports, I came across a debt item that was listed incorrectly. I disputed this account to the credit bureaus, and they confirmed it was verified as accurate by you. 
I am aware of the rights I have and am requesting that you immediately remove the debt from my credit reports, or you may face damages by reporting inaccurate data to a credit reporting agency. ( See the FCRA ) This debt is listed as a charge off, with a last date of activity ofXX/XX/2018 You are reporting the charge off date as the date you purchased the debt instead of the actual charge off date. This is a clear violation of the Fair Credit Reporting Act, as it is clearly stated that " no debt may be reported to a consumers ' credit file for any longer than 7 years from the date of first serious delinquency or charge off. '' Because you have altered the charge off date as the date you purchased it, you are committing fraud. I have informed the credit bureaus of this and have asked for a second verification. When that verification comes to you, I suggest you follow the law and report the true facts. In addition to this debt being over the allowed time to report ( 7 years ) it has also passed the statute of limitations to collect. I have no intention of paying this old expired debt and I am informing you of this now. 
Should you attempt to report or collect this expired debt, I will contact my Attorney General and fill out a complaint to the Federal Trade Commission, and I will take steps to collect damages from you of up to {$1000.00}. I believe I have a case against you for violating sections of the FDCPA and FCRA should you continue.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-16
Company: CFAM Financial Services, LLC
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Greetings, 5 u.s.c. Code 552a There needs to be an accurate accounting or information disclosure. 

These documents make me look irresponsible, uneducated, and are deceitful. 

who is going to lend me with XXXX credit? 

How is this even possible? This is unfairness in lending since my credit report contains misinformation anywhere inside here and all the ways but not only that.

Company response to consumer: Untimely response