BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-01
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello! I sent a certified letter twice to credit collection services requesting them to validate debt they reported to my credit their claiming is mine & i have got no response. Im requesting this debt to be removed from all three credit bureaus due to me not owing debt and company not being able to validate its mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Paid the bogus debt -- -requested refund -- creditor rejected my claim

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 2020-12-01
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Mattress Firm employee ( store location : XXXX XXXX XXXX XXXX, XXXX, KY XXXX ) on XX/XX/2020 asked if I was interested in applying for store financing to see what I could qualify for. I asked if this inquiry would be a soft or a hard credit pull. The associated replied that it was just a soft pull. She then asked that I write down my social security number and provide my license so she could confirm my name. I asked her to confirm why this information was needed. She said it was just to check eligibility for store finance options. She said I was approved for {$9400.00} in financing if I decided to purchase through them. 

At no point did I sign any document and there was no mention of a credit card application. I also did not end up purchasing products from this store so there was no need to even open this line of credit. This process was explained to me as a soft pull to check eligibility. 

On XX/XX/2020 I received a new credit card from Synchrony with a credit limit of {$9400.00} opened through Mattress Firm. I spoke with the store manager that same day and told him the issue. He apologized and said I was indeed misled by the store employee and stated corrective action in the way of re-training would be conducted. No further solutions were offered and when I told him this mistake has the potential to negatively affect my credit score he could only commiserate and offer platitudes. 

Additionally, my name is not correct on the card account so I'm not even sure how valid this line of credit is. My first name is spelled incorrectly and my last name is not present at all ( my middle name is present as my last name ). I don't understand how my identify was verified for a hard credit pull with bad information. I don't understand how this credit card was opened without properly informing me of what the employee was doing where the employee actively misled me about the process and did not obtain written consent.

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 2020-12-01
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my mortgage loan has been sold or transferred to another company. during this process it appears that they somehow lost an escrow payment. I have had this loan open for over 6 years and never missed a payment. I escrow monthly for my property taxes. I received a letter telling me that I am {$2500.00} short in my escrow account and either have to pay my mortgage servicer {$2500.00} now or they raise my payment to cover this difference. I did not have {$2500.00} to cover this shortage and there SHOULD NOT BE A SHORTAGE since I pay my mortgage and never missed a payment. I called the escrow department, showed them proof that mortgage payment was never missed, the escrow department acknowledged this fact, yet they stated I still needed to continue to pay an extra {$200.00} per month that I can not afford or they will not accept my payment, essentially forcing me into default if I do not comply with their demand. I asked for them to put my escrow on hold while they investigate, they refused and told me if I want to stop escrowing for taxes I would need to login on their site and make a request. They told me it would take over 1-3 months to do an analysis and figure out where they lost my money to pay my property taxes and while they try to figure this out, I am forced to pay an additional {$200.00} per month or go into default if I can not afford it. I am XXXX years old, I live on social security and I am now forced to not pay other bills in order to maintain my current status on my mortgage. This is an absolutely egregious error on their part, they listen, they agree I'm right, but because they can not figure out why they lost a payment due to a transfer of servicing, they are putting the onus on me to pay for their incompetence and mistakes.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report and it is now over 40+ days later and I have not received a response yet. I feel as though I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been long over 40 days so they should be deleted prompted. I demand these accounts be deleted immediately or I will file for litigation due to the stress I have been caused. My information was also impacted by the XXXX data breach and may have gone into the wrong hands.

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 2023-03-26
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: Their investigation did not fix an error on your report

Complaint:
I notice that my credit report had several errors reporting to my credit report on all 3 bueraus so i reached out to each one on XXXX XXXX with some certifed letter requesting the information to be removed and letters to be sent out to me with proof that i open these accounts with my signatures and only XXXX complied and deleted all the accounts that were listing closed with balance.I also requested the same to be done by the transunion and XXXX and they both have yet sent over the requested documents showing anything of sort as of XX/XX/XXXX and all the following accounts are still reporting negative to my credit reports.The following accounts are as follows : XXXX XXXX XXXX XXXX reported XXXX XXXX with a bal of XXXX, XXXX XXXX XXXXXXXX XXXX with a bal of XXXX, XXXX XXXXXXXX XXXX with a bal of XXXXXXXX XXXX XXXX XXXX reported XXXX XXXX with a bal of XXXX, XXXX XXXX reported XX/XX/XXXX, XXXX with a balance of XXXX, XXXX XXXXXX/XX/XXXX with a bal of XXXX, XXXX XXXX  on XXXX XXXX and bal reported XXXX, XXXX XXXX reported XX/XX/XXXX bal is showing XXXX, XXXX reported on XXXX XXXX and reporting XXXX XXXX The XXXX XXXX XXXX ret last reported on XXXX XXXX bal XXXX XXXX XXXX XXXX  last reported XXXX XXXX bal XXXXPlease remove all negative information due to it inaccurate information.

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 2019-04-02
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX XXXX is the bank in which I have a XXXX XXXX Account. A couple of years ago my credit limit was increased to {$800.00} when I did not make a request. This increase caused my credit score to drop 30 points without any reason. I filed a complaint with CFPB against all 3 credit bureaus and neither credit bureau could answer why that occured, basically citing proprietary reasons. Over the last 2 years XXXX  has consistently lowered by available credit when I have requested an increase. Most recently XXXX  indicated that my credit reports were the reason why they lowered my available credit. I do not have any delinquent accounts or late payments. I have paid XXXX  as required. My contention is XXXX, like XXXX XXXX and other banks are doing this in an effort to force consumers to seek other credit products. Currently my account appears to be maxed out after a recent purchase. XXXX  changed my available credit from {$700.00} to {$520.00} after I made a payment of {$300.00} on XX/XX/2019 and a purchase of {$200.00} on XX/XX/2019. Now my available credit is {$22.00} which has the effect of a maxed out account. XXXX XXXX identifies/suggests many credit card products and now loans to " fix '' my credit. Recently I filed a complaint against XXXX XXXX for holding my {$320.00} payment which they released after I filed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: AMA Advisors, LLC.
State: SC
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:
Late payments thats shouldnt be on my consumer report according to 15 U.S. Code 1681a illegal to report late payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I used the Plan It feature. For three of the purchases, with XXXX, XXXX XXXX, and XXXX PA, the merchants fully refunded the charges. However, American Express has been unwilling to cancel the three plans and refund me all of the monthly service charges I have been assessed. I have been told three times by American Express that this has been resolvedthe last time from XXXX, a Plan It supervisor, who left me a message on XX/XX/2019. But the plans have not been cancelled and the fees have not been refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My complaint is against Portfolio Recovery Associates, LLC- As of XX/XX/XXXX my employer was served a garnishment letter on that date. I was never aware of Portfolio Recovery Associates was granted a judgement on XX/XX/XXXX. So as forth I submitted to the court for a motion and order to set aside Default Judgement, on this date of XX/XX/XXXX which I was given a court appearance to explain to the court that Portfolio Recovery Associates did not have any documents to prove that I had a contract with them. As of XXXX XXXX I appeared to inform Judge XXXX XXXX XXXX, that Portfolio Recovery did not inform of any legal matters which includes Garnishment against me which is causing me hardship now. Since they were awarded to keep the judgement by the judge, which denied my motion as of XX/XX/XXXX. I have been battling this situation with Portfolio Recovery Associates, because I know they can't produce any Contract that with me ; or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: ALLY FINANCIAL INC.
State: PA
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:
Previously have filed 2 complaints as Ally financial first held the payoff and now has no idea with what they did with the title for the vehicle that has been paid off. Complaint filed on XX/XX/20. Ally has done nothing but now calls and tortures us since we filed a complaint. We are getting called after hours XXXX XXXX  by XXXX  who does not have a last name just to inform us that he has no information and that the person looking at our file is out of the office. He was just calling so that he can document that he called. When asked again why he is then calling us he yelled, talked over us and we were advised that a supervisor was not available as it is after hours we had to continue to ask for the information and XXXX  hung up on us. We called back and again asked for a supervisor 's info we were told it is XXXX and then he tried to give us a general automated #. 

XXXX 's direct phone # is XXXX He doesn't actually have the ability to look at or resolve anything though he also said he reviewed the information so I am not sure which is true. If you ask anything he laughs at you and is condescending. He will also hang up on you. 

His supervisor XXXX is XXXX. Not available but we can leave a message.

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 2020-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I had money deposited into my account from my gig jobs, the money was direct deposited into the account. On XX/XX/XXXX, I get a bank notification stating my account dropped below {$25.00}, I immediately login to check my account. Upon logging in, I noticed unauthorized charges on my account in the amount of {$200.00}. The person or persons cash app the money out of my account. They used my name and also there was a name of XXXX on theXX/XX/XXXX. I called Bank of America to let them know that these charges are unauthorized and was fraudulent. A temporary credit was given, pending the outcome of the investigation. On XX/XX/XXXX the bank did a credit reversal that cause my account to be overdrawn. I called the claims department with Bank of America, I was told they could not prove the it was fraud because my husband had received money into the account from cash app. I was told that its was nothing that could be done. I just lost {$200.00} of my money that was earned do to something that happened, ( which I don't know or understand how ). I never give my bank information or card information out. Bank of America even sent a new debit card out. We are in a pandemic I don't have {$200.00} to lose I have to feed and care for my family. Please help!! I cant get nowhere with Bank of America.

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 2023-03-26
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing to update/ correct my personal information on file with your company. I recently reviewed a copy of my credit report. I am concerned because there is information that is inaccurate. 
Please update my address Please update my name My only and correct date of birth Please remove all other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate.

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 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXXXX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my 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 2020-12-02
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i have sent in more complaints then i can count the only way I have seen in the past that works is putting it all out on social media you say you can help and yet here I am again you are allowing them to put XXXX on a veteran credit report and you know it is not mine and now I have got XXXX I don't have the time anymore to play XXXX games I starting to thank you people get off on this 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 2023-03-26
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX XXXX : {$570.00} XXXX XXXXXXXX Balance : {$80.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation