BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In order for my cousin XXXX XXXX to received needed XXXX XXXX ( XXXX ) the dentist office offered a card called CareCredit issued by GE Capitol Retail Bank. My cousin had very poor credit so I cosigned a form which showed a " credit line of {$3300.00} '' ( see attached ). The account number was XXXX. The card was granted and my cousin had the work performed on her XXXX. Months went by and I received a call from CareCredit/XXXXXXXX XXXX telling me that my cousin had missed a payment. I asked about the balance of the card and I was told it was over {$10000.00}. I paid the past payment and I asked why the balance had gotten so high without my authorization. I was told that since my cousin was the primary card holder, she could increase the credit line without my authorization. I was told this was in the Ts & Cs.

If the credit of the primary cardholder is so poor they needed a co-signer, why in the heck would the bank not included the co -- signer authorization when increasing the credit limit.

I later asked for a copy of the Ts & Ss and I received a letter from XXXX XXXX ( see attached ) that since my form was 'taken electronically '' that a paper copy was not available. I was planning on fighting them but that would result in my credit history being damaged. Due to an interest rate of over 30 % I finally paid off the balance and my cousin is paying me back. I recently found out that I have a ding on my credit report from XXXX XXXX for a late payment. 

How in the heck can banks operate like this? First they provide false information, do not provide the required paperwork and then submit a late payment on 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 2021-03-05
Company: CountryPlace Acceptance Corporation
State: LA
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:
Countryplace Mortgage is reporting to XXXX that there were late payments on a mortgage I held prior to my bankruptcy in XXXX, and foreclosure was not completed until XXXX. During my bankruptcy, the house was foreclosed. There is a sheriff 's deed certifying that the foreclosure was completed with the XXXX XXXX Clerk of Court on XX/XX/XXXX. Yet, Countryplace and XXXX are reporting that it was not foreclosed until XXXX. I have unsuccessfully filed a dispute with XXXX about this. XXXX has claimed that Countryplace Mortgage certified the I formation as accurate, even though it is clearly not. Apparently their certification process needs an overhaul.

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 2021-03-30
Company: Global Asset Management Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted by someone who said they worked for " Global Asset Management Group LLC '' and he stated his name was " XXXX XXXX '' His phone number is XXXX. 

He stated my sister used me as a reference and I owed {$2000.00}, that we needed to get a " stop order '' and that his client had tried to serve papers to a family member 's address but was unsuccessful. ( He stated she borrowed the money, used her XXXX XXXX  account as collateral and then closed the account ) He said that we would be going to jail for not showing up at court. 

I looked into the company and they are banned from debt collecting by the FTC for being fraudulent. 

Company website : XXXX XXXX XXXX # Order to cease debt collection with FTC : XXXX XXXX XXXX  FTC Case information : XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-11-30
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/20 an unauthorized charge was made on my Chime XXXX XXXX account. I immediately contacted the customer service team to stop the transaction. The agent informed me that the charge would need to clear before I would be allowed to dispute the fraudulent charge. After the payment cleared I submitted the dispute, it was investigated and then on XX/XX/20, I was informed that the investigation results determined that the transaction was not a billing error, and my money would not be refunded. I requested the paperwork that was used in the investigation that caused them to come to this inaccurate conclusion. According to the credit agreement, they have 10 days to turn over the documents in this case. They have not complied, nor have they followed up with any of my emails since. The charge in question was made from a XXXX for {$94.00}. This is all the information I have and can not find a business with this name. I was not able to get any more information from Chime support. The credit agreement stipulates that if Chime XXXX XXXX does not follow the correct procedures in the dispute process then I would not be responsible for {$50.00} of the charge in question. I have not received any response from them regarding this issue either. I do not know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Helvey and Associates did not send me any notifications ( letters, email, phone call ) to indicate that I had an outstanding debt of {$360.00}. I was made aware of this debt by reviewing my own credit report. I reached out to the company on XX/XX/2021 to inquire about the debt and left a voicemail. I did not receive a response. I reached out to the company again and was notified that their system was down and they couldnt provide me with any information. I was informed that I would be contacted once their system was working, but this never happened. I had to call them again and finally got in touch with someone who could provide details regarding the outstanding debt. I made payment once I received the bill. I requested that their derogatory report be removed from my credit report since I was not provided with any prior notifications, but they refused. As a result, my credit score has dropped by over 100 points due to no fault on my part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Experian Information Solutions Inc.
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:
My credit has been pulled fraudulently. Please remove inquiry

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 2021-09-03
Company: Bread Financial Holdings, Inc.
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:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
recovery portfolio has consistently contacted me via phone calls to collect on a closed and written off account. which I have told the advisors that called I am not paying a debt that will not remove the debt from my credit report I initially contacted this company to pay the debt the company informed me that it was in collections and was written off. After viewing my credit report, it was a written off account. once contacted by the collection agency I said this is a written off and closed account therefore I will not pay this account and asked this company to refrain from calling me. and all of this occurred in XXXXXXXX XXXX, I also asked an advisor if in the event I were to pay this account would you remove it from my credit and the advisor stated they would not. therefore, I advised the agent I would not arrange a settlement or pay that written off account due to the original debt holder has insurance and closed the account and wrote it off and was compensated for it. Now once it has been on my report for 7 years it will fall off so I will wait it out. I want this company to cease contacting me concerning a closed and written off account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: MS
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 tryna to explain to the people that I have not been to college online nor on campus .I dont have a high school diploma, in my identity was stolen .They garnished my work check before in I tried stopping that but they wouldnt stop.Now they are saying I owe them {$1000.00} dollars.Ive never seen a check or anything .The address that was used for the loan Ive never lived at or heard of, I just dont know what else to do

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 2021-09-03
Company: Action Revenue Recovery, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Action revenue recovery was seen on my recent credit report. I disputed this item and it has been verified by this company. I have no knowledge of this account and never have used this company. Please have them delete from all credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. See attached for the police report filed for these fraudulent accounts.

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 2019-03-16
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Santander Consumer USA numerous of phone calls regarding the reporting of my credit the last time they reported something to the credit bureaus was XX/XX/XXXX and we are now in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: NJ
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 sent the letters out to the bureaus on XX/XX/20 and I have not received any notification of the investigation being started. I feel like Im being taken advantage of. According to the FCRA these in accurate unverifiable items must be deleted immediately. its been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX the XXXX. of 2019 the debt collector entered my Savings Account in the Bank of America to withdraw {$170.00} approved by a judge. After he withdrew funds allowed by law, he and The Bank of America decided to wipe out my saving account entirely by authorizing themselves to issue bogus fee ( NON-REFUNDABLE PROCESSING FEE ) of {$120.00} My account balance is now {$0.00}.

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 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My child support payments come directly out of my check every month and has been for several years but the credit bureaus had been reporting late payments to my credit file dated back as far as 2012 and this has hurt my credit.

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 2020-06-06
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:
Equifax is listing my XXXX Credit Card from XXXX XXXX as delinquent {$15.00}, which is incorrect - this is due to XXXX XXXX   error, they forgot to reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Someone comprised my personal information in XXXX and opened a XXXX XXXXXXXX credit card. At the time I was ignorant about credit so I didn't really monitor my credit score. The imposer ran up a balance. The account hit collections I started receiving letters in the mail and that is what caught my attention. Since XXXX of XXXX I have been sending dispute letters through the mail. I sent an identity theft affidavit, filed an Federal Trade Commission ( FTC ) report and the account keep coming back verified. On XX/XX/XXXX I called XXXX XXXXXXXX and they could not verify me from my date of birth or my residency and confirmed to me that the account was abnormal and was most likely fraud. They then told me I would have to call the credit bureaus so they could handle it. I am tired of them make me go in circles. This situation is really affecting my life. According to 15 USC 1681a ( k ) ( iii ) adverse action that doesn't benefit you should not be on your consumer 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 non-monetary relief
Consumer complaint received 2018-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi-one of our cell phone numbers has been used by the previous owner ( XXXX XXXX-who apparently owed on uncollected debts/loans ). In XX/XX/XXXX we were given the number as part of the cell phone service ( by the cell phone provider ). 

Previously-it was XXXX hXXXX XXXX XXXX who called and called and called despite being told of the above. Now it is Portfolio Recovery https : //www.portfoliorecovery.com/ We would very much like for this to stop-they now have both our cell numbers and continue to call, day after day. We are now receiving ( on a monthly basis ) between 90-100 calls ; including jpg 's, short code texts and any other form of medium they can think of to harass people. The same approach was used by XXXX. 

I just received a call this XXXX from XXXX XX/XX/XXXX XXXX XXXX. They have called from at-least 3 or 4 other numbers identified as such on the internet XXXX XXXX XXXXXXXX? XXXX We do not owe any debts to anyone nor have we been or are we currently involved ( nor have we EVER been ) involved in ANY form of debt collection. Please make them STOP calling. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am submitting a complaint because I was told that the mortgage company can not file a allonge that is not attached legally to the note, it can not be submitted separately, also why did they submitted a note that includes my ex-husband which is not current. 
I have attached what was was submitted to the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went on a trip to visit my family out of state. When I returned someone broke into my hose and took documents and everything of value. Not only did they take my documents they found a way to get into my bank account and steal my money without me knowing. They accessed my account and took out over {$5000.00} dollars. It is my savings and all of the money I have. I tried to tell the bank it was stolen but they say I did it! When I was out of state! The bank says I let someone take my information and they will not help me get my money back. I filled a police report and they still will not listen.

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 2023-01-21
Company: CBC Companies, 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 information incorrect

Complaint:
XXXX XXXX has furnished an incorrect account balance on XXXX of {$16000.00} on my XXXX Credit Report and a Account Balance has been furnished to my XXXX Credit Report of {$16000.00} on XX/XX/2022, Both from XXXX XXXX XXXX XXXX I also has sent this company a Cease and Desist which they have also ignored and violated my consumer rights and continue to used these deceptive practices. Im just putting your company on notice that you all are liable under federal laws to investigate and report each complaint. 

Violations Unfair practices 15 USC 1692 15 U.S. Code 1692c - ( c ) Ceasing communication

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation and I have had no response The fraudulent accounts is Discover Financial XXXX.

Company response to consumer: Closed with non-monetary relief