BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX-Debt collection letter with offer to settle received for XXXX XXXX XXXX. Letter states must submit payment by XX/XX/2021. Letter failed to validate the debt by including the following sections. 

( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


3/19/2021-Representative from Harris & Zide stated I had to pay or the settlement would be void. Asked for an updated letter by fax, however they did not send it. 

After further review I believe the debt has exceeded the 4 year statute of limitations in the state of California. This debt collector was attempting to gain contact information for my wife who was not married to me at the time that this debt was obtained. I believe they are violating the FAIR DEBT COLLECTION PRACTICES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX added services that I had not requested, did not use and refused to credit to my bill. 
I called and was given conflicting information. Asked to speak with supervisor and was told he was busy, but would call me back. I am still waiting for call. Received three bills from 2014 XXXX XXXX the XX/XX/XXXX. All were different amounts and said service would be cut off XXXX XXXX. Service was cut off last Saturday of XXXX. I have never received a phoned call or paper bill from XXXX. A collection for {$170.00} is now appearing on my credit report and I firmly dispute this claim. My credit score has been damaged going from over XXXX to XXXX, I am trying to refinance my home and it is hurting my ability to refinance. I feel like I am being extorted by XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
I was fraudulently charged on my credit card and the bank decided on the favor of the merchant that charged my card with out asking me anything. I kept calling and they said they are reopening the case and they are not doing anything about it and still charging me. 
I have been with Bank of America for more than 30 years now and feel that the bank should be protecting its customers against people that are stealing. 
The charge is from XXXX XXXX in the amount of {$2100.00} on XX/XX/2021

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 2021-03-22
Company: AMA Advisors, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
At closing my initial escrow starting balance was {$1400.00}. However, my 1098 from my lender Homebridge Financial Services XXXX Inc shows my starting balance was XXXX. Homebridge Financial Services, Inc was paid towards my tax escrow for XXXX. However, I received a letter from XXXX County stating I was delinquent on my taxes and that a tax lien was going to be placed on my property on XX/XX/XXXX as my taxes were due in XXXX of XXXX. My mortgage lender Homebridge Financial Services , Inc failed to pay my taxes and when I tried reaching out both by email and phone I couldn't get anyone on the phone to actually look at the closing documents or pay the taxes prior to the lien date. I was given a run around all the times and I was hung up on several times when I asked to escalate the calls. Therefore I had no choice but to pay the {$1600.00} of the taxes out of pocket and use a credit card plus my saving so my house wouldn't go on sheriff sale on XX/XX/XXXX as the county had said that would have been the date the house would go on sale on. I have attempted to call my lender so can they refund me my money including all the interest on my credit card and the penalties that was charged to me by my county. All the times I have called Homebridge Financial Services the people are rude and will not listen to my issue and will not even look at the closing document to see what happened. I have had to retain an attorney to get this resolved and have paid retainer fees out of pocket just to get them to do what is right and what should have been done from day one. My emails have gone unanswered at all. I also tried getting my Mortgage Broker to reach out to someone within the company and have not had any luck and the closing attorney have not been able to help outside of sending me my copies of the closing documents showing Homebridge Financial Services , Inc was paid at closing and it is out of their hands.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a federal and a private loan originally with XXXX and now currently with navient. Both loans have the same account number however come in different payment books. At one time I was even sending the payment to the same address so it made sense to send payment with my pay stub and two separate checks but in the same envelope. The payments were always made out for the Amount that was owed on the payment stub however navient would often times apply. Both payments to one loan whichever was n't due as soon and then when the other loan would default they would charge a late fee and start the harassing phone calls that would n't end. I have discussed this with them many times and they always say they have it taken care of. Also my repayment plan that I was on and was affordable was never explained to me to just expire one day and triple my payments with no other options and was givien to me under false pretenses saying that it would bring me up to date and current and that no interest was being charged. When asked what my new bill would be for each loan they could n't even tell me what I owed each Month but obviously still expected me to pay it. They are an awful crooked company and I want justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: MI
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a XXXX XXXX Aviator MasterCard issued through Barclays Bank. On XXXX XXXX I made a cash transaction for XXXX at a local branch of the bank I do my personal banking with. 
While conducting the transaction I discovered that I did not have the available cash that I believed I would have. Later that afternoon I was informed of XXXX convenience checks that were cashed and charged to my account. After, informing Barclays that the checks were fraudulent, they immediately cancelled my card, issued a new card and account number, as well as credited the fraudulent check funds back to my account. 
This is where the problems begin. That same XXXX transaction, plus fees, has posted to my account almost dailey, to the point where the overcharge has reached XXXX. 
I have contacted Barclays at the very least 20 separate times looking for resolution. 
They say " every time they try to enter a correction into the system, it reverses itself and instead shows as a charge to the card ''. They say they are aware of the problem, they are working on it, but until they work out a solution, my only recourse is to wait. Also, they inform me that I am not the only one affected by this issue. 
However, they continue to send me over limit emails and my payment due is based on a figure that is XXXX above what I believe my balance to be. 
On Sunday morning XXXX XXXX I called to ask about the payment and the incorrect figure they told me there is nothing that can be done and for me to just make the payment. I also, asked if they could tell me what my true balance was and was told that they could not. This problem has been going on for six weeks to this point with no end in sight. If Barclays knows what the problem is as they say they do. Then why wo n't they correct it. I find it difficult to believe that they are even working at resolving this problem. 
At this point I 'm extremely concerned about this issue being reported to the credit agencies as a bad debt, affecting my credit rating, as well as not knowing what my actual true account balance will end up being. 
I am left to wonder what and when this will be resolved. I get no information from the bank at all. I have to contact them for any updates, at which I 'm told just to continue waiting. 
I would formally like to file a complaint against Barclays to resolve this problem before my I 'm stuck trying to restore my credit and am having to fight to have charges that I 'm not responsible for removed.

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 2016-11-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Elderly ( XXXX ) mother pressured to get a JCPenny credit card despite trying to pay with a XXXX card. Due to the new card with new payment terms and schedule she paid {$130.00} of fees on a total of {$53.00} purchased.

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 2023-01-31
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-03-22
Company: EQUIFAX, INC.
State: NM
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:
I have had ongoing issues with Equifax incorrectly reporting an auto loan account with XXXX XXXX XXXX XXXX XXXX. Initially they reported the account as closed when it was open, and subsequently when the account was paid in full in XX/XX/2020, they continue to report the account as open with a balance of {$6500.00}. They respond to disputes that they have " verified '' their inaccurate information. Complaints to the CFPB have been satisfactorily " resolved '' based on Equifax reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid my credit card debt that went to collections for JCPenny. They continue to 'sell my account ' to several debt collectors around the United States . I get a call in my cell phone every month threatening to serve me wth court papers at my place of work or as one guy said 'I better have my Supervisor available when he shows up to sign off on his papers ' ~like what is that supposed to mean? Am I not an adult? And I am the supervisor at my place of work, what would this gentleman have done if he 'd actually shown up? Every time I call these debt collectors back I have to explain that the debt is already paid in full and have to provide them with the letter that says so. It is a complete waste of my time, I 'm sure they scam quite a few people into actually paying making them think they owe them money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep receiving mails from synchrony bank stated that i have debt to pay but never receive any types of balance sheet, I was never sign up for synchrony bank for credit cards for that matters. I only bank with XXXX XXXX XXXX and also issued with student credit for tha matters. I believe that my personal information was use without my consent in regarding of debt that is not applicable of my own

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 2021-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have gotten behind on my Auto loan in XX/XX/2021 due to being laid off due to Covid-19. I have called my Auto lender about my situation. I explained I will be out of work for about 3 months & requested payment forbearance, Extension or pay interest only. After being on hold & phone several times & talking to multiple customer reps I was allowed only one month extension, no release of late payment fees & still reporting me to credit bureaus as late. They have no set plan to help or work with there customers with financial hardships due to the pandemic that is been ongoing for a year. Very sad & pathetic for such a large bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Resurgent Capital Services L.P.
State: IL
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:
XXXX and XXXX XXXX on behalf of LVNV/Resurgent Capital ( Sherman Acquisitions ) has revived a default judgement for approximately XXXX. The initial default judgement was issued in 2008, and as such 14 years has elapsed. I am unable to contact the original creditor, nor the agency/entity that claims to have completed proper notice of service. I was never served to appear for this debt and XXXX and XXXX dismissed my Motion to Vacate the judgement based on the claim that I was properly served a Notice to Appear. It should be noted that the original creditor no longer offers this financial product in my state and has/will not respond to inquiries. It should also be noted that this account has been handled by no fewer than three collection agencies and two law firms and I am unable to get information on the Notice to Appear document that was allegedly served.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
interests rates are too high and it seems as I will be paying my loans until I retire. I 've tried to work arranging a payment I can afford on a monthly basis and have n't been successful accomplishing it. It is overwhelming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, TransUnion and XXXX are reporting inaccurate and/or incomplete information concerning me in consumer reports. Their conduct has caused me distress and financially harmed me with costs and loss opportunity. 

The following tradeline they are reporting concerning me is inaccurate and/or incomplete : Tradeline : XXXX Account number : XXXX The tradeline is inaccurate because I am not legally obligated to XXXX in the mount of {$14000.00} for the alleged deficiency claim. Furthermore, the tradeline they are reporting is incomplete because there is a past due balance which is absolutely wrong and a violation. The dates of activity are also incorrect and does not meet the FCRA. 

Inaccurate list : 1. Account is reporting with 3 different amounts of high credit 2. Account is reporting with 3 different past due amounts 3. Account is being reported with 3 different dates of last activity 4. Account is being reported with 2 different dates of last payment If this is the same account being reported by the same creditor, why are these dates/amounts different? 

I request that they delete the above tradeline and provide an updated copy of my consumer file. Inform any person that you previously reported the now deleted tradeline that is now deleted. Should you conclude that the tradeline is verified, then I request method of verification. I have requested method of verification for the past 6 months. 

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted into connection with such information and telephone number of furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Your prom attention to this important matter is requested in order to comply with federal law. 

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 non-monetary relief
Consumer complaint received 2017-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A severe violation of the FDCRA law has occurred, particularly FCRA 611 Procedure in case of disputed accuracy ( 15U.s.C. 1681i ) Requirements relating to reinsertion of previously deleted material. Because I have been a victim of fraud, I have credit monitoring services for Transunion, XXXX and XXXX to keep me abreast of any changes to my reports. On XX/XX/2017 I received notices that Transunion had deleted an collection account from my report, XXXX XXXX XXXX, I went to verify and sure enough it was deleted. However, when I went back to check it was reinserted on XX/XX/2017. The law states that a consumer reporting agency shall provide to a consumer in writing no later than 5 days after the reinsertion date. To date, I have received no such notice. This is a complete violation as I have not been notified and when I called the Special Handling Department and spoke with a US Agent, they said that it was nothing they could do unless I disputed it. However according to the law they FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THAT IS NOT TRUE. 
I am desperately seeking your help to get the XXXX XXXX XXXX account removed from my Transunion credit report because they violated the law and re-inserted it.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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