BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-21
Company: STERLING JEWELERS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Today I got a voicemail from a XXXX XXXX from XXXX XXXX XXXX. She did not disclose that she was a debt collector. Just that she was calling about a " legal matter that will require XXXX to appear in court ''. She also did not disclose that any information collected would be used for the debt collection purpose. She used language to make it appear she was from a law firm. " I 'm an arbitrator for the offices of XXXX XXXX. Never mentioned anything about a debt. Just that I 'll have to face court against the allegations against me. 

She then calls my husband who answered at work saying that if we do n't pay the {$580.00} I owe by the end of business today that will sue for over {$2000.00}. 

According the Fair Debt Collection Act that a collections company may be allowed to charge interest on debts they are collecting. But they ca n't charge more than the amount described in the original contract or what is permitted by law. {$2000.00} would go way beyond that. Also that debt collectors must follow the " mini-Miranda '' warning '' on voice mails and she did n't follow any of it. There is nothing actually filed in court. They caused me a lot of stress saying I was going to have to appear in court for " allegations '' when I had no idea what those allegations could be.

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 monetary relief
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: TX
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 XXXX Account 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 an account without my written instructions.

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 2016-10-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I am in the process of filing bankruptcy and thereby, collecting information for my lawyer. 
In XXXX XXXX, I had a PC Richard Credit Card from GE Capital consumer Card Company. They have informed me that the statute of limitations has run out. However, XXXX XXXX has been calling me endlessly to collect on this debt, including on a Sunday evening. GE Capital Consumer Card Company changed its name to Synchrony Financial in XXXX to reduce its exposure to the finance business. XXXX XXXX initiated a series of moves to separate this area of the company. That included the Synchrony Financial spinoff and renaming. I am reading on a consumer website that many unaware customers have had trouble contacting Synchrony Financial and thereby incurring interest/late fee 's and having their credit destroyed by this company as my credit was destroyed by this company. 
Please look into this company and I thank you for your time.

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 2016-07-11
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I 've had my Citi Thankyou card since 1996. Never had any problems until this year. I was 2 days late making the payment to completely pay off my balance in XXXX. I knew I would be charged interest on my next statement. I paid the complete balance in XXXX. However, when I received my statement for XXXX, there was another interest charge of {$240.00}, so I called customer service. They said they could n't help me, but would have a supervisor contact me. I missed the call when the supervior called back and she left a message saying that I should call the number on the back of my card. I have called 4 more times and each time I get the same response, that they will have a supervisor contact me. To date, I have n't received a return call from the supervisor. It 's very frustrating to received no response at all.

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 2016-07-07
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech -- and Green Tree before it -- is nothing more than a collection agency masquerading as a mortgage lender. Somehow, my XXXX XXXX XXXX mortgage loan was moved to Green Tree ( later known as Ditech ). The company policy of harassment was constant and their accounting always suspect. 
My complaint now is that I ca n't get Ditech to send me my escrow refund following the sale of my house. The company HAS sent me documentation that my transaction was settled and approved and that I was due an escrow refund, which they claim they have sent. There are numerous complains posted online regarding Ditech 's " check-must-be-lost-in-the-mail '' excuse, which is exactly what I got. I was told I would have to wait 30 days to request a replacement check, but now my requests are seemingly being ignored. 
I have filed a complaint with the Texas XXXX and will also file complains with the XXXX and any other agencies which might help resolve this matter. 
Although, there 's more to this than resolution. This company represents the worst in business models and business practices. And, apparently, there are limitations in the degree of punishment they can be assessed for their practice of delinquent escrow refunds. 
I feared/expected " more-of-the-same '' treatment from Ditech, even after ending my business relationship with them. And more of the same is what I got.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: Select Financial Services, Inc.
State: VA
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 XXXX XXXX and XXXX  was paid in full in XX/XX/2019. They both had removed the fraud and wrongful information off credit report but now placed this same fraud and wrongful information back onto my credit report Im an XXXX XXXX XXXX XXXX war veteran that needs to buy a new home and this wrongful information is preventing me from buy a new home that will accommodate my war XXXX Please take appropriate actions against these to companies for malicious fraud actions these companies have taken in putting this fraud information back onto my credit report

Company response to consumer: Untimely response
Consumer complaint received 2020-03-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
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 XXXX XXXX  and beneficial was paid in full in XX/XX/2019. They both had removed the fraud and wrongful information off credit report but now placed this same fraud and wrongful information back onto my credit report Im an XXXX XXXX XXXX XXXX war veteran that needs to buy a new home and this wrongful information is preventing me from buy a new home that will accommodate my war XXXX Please take appropriate actions against these to companies for malicious fraud actions these companies have taken in putting this fraud information back onto my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Other

Complaint:
Synchrony bank/Walmart is reporting XXXX different accounts on my credit report, XXXX of which does not belong to me. XXXX account number is listed as XXXX on my credit report, and shows that it was opened XX/XX/2010. The correct account that belongs to me was opened XX/XX/2010 and the account number is XXXX. I disputed this with all XXXX credit bureaus, and nothing was changed. Furthermore, how could I open an account in XX/XX/2010, and turn around and open a new account in XX/XX/2010 when I already had an account?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I WAS CHARGED {$1000.00} FOR A TAX AMOUNT AND PENALTY BY MY COUNTY ASSESSOR. {$540.00} WAS FOR THE PENALTY. {$490.00} WAS FOR THE TAX BILL. i ENDED UP PAYING FORTHE ENTIRE AMOUNT. i CONSTANTLY WAS IN TOUCH WITH THE COMPANY THROUGHOUT THE PROCESS REGRARDING WHAT WAS REALLY OWED. FIRST OF ALL THE ASSESSORT SENT IN THE WRONG AMOUNT TO BE PAID, WHICH THEY PROMPTLY DID. FROM THEN ON I CONSTANTLY URGED THE COMPANY TO PAY THE CORRECT AMOUNT. 
THEY DIDN'T. HENCE I WAS CHARGED THE PENALTY. THIS SHOULD BY PAID BY THE COMPANY AND NOT ESCROW. THE REST SHOULD BE PAID OUT OF THE ESCROW ACCOOUNT. 
THE COMPANY ALSO BEGAN CHARGNG MED {$100.00} MORE FOR MY MORTGAGE I HAVE NOT BEEN ABLE TO ACCESS MY RECORDS. THE COMPANY SAID THEY WOULD CALL IT, BUT IT NEVER HAPPENED. i AM VERY UPSET ABOUT THESE EVENTS. AND DISAPPOINTED IN THE COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I changed my sign in and password for XXXX this morning. When I received this message I thought nothing of it... XX/XX/22. I gave them my credit card number then stopped and shut down my phone because I thought this is strange. It was my XXXX XXXX card with Citibank. I then realized what I had done and opened my Citibank app and it was in XXXX. I have had the card for years. I cancelled my XXXX card. 

I called XXXX and he said to contact you. He was aware of the scams. I gave too much information. 

Both XXXX and Citibank were very helpful in changing and closing passwords etc.

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 2017-02-11
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I HAVE BEEN RECEIVEING MULTIPPLE PHONE CALLS EVERY DAY AT DIFFERENT TIMES FROM A COMPANY NAMED CONVERGENT OUTSOURSING. THEY ARE ATTEPTING TO COLLECT {$260.00} FROM A XXXX ACCOUNT I CLOSED LAST YEAR. I DO NOT OWE THIS MONEY. I CALLED XXXX AND ASKED THEM TO SEND ME A COPY OF THE INVOICE THAY ALLEGE I OWE BUT THEY NEVER SENT ME ANYTHING. ON XX/XX/XXXX CONVERGENT OUTSOURSING REPORTED THIS DEBT ACCOUNT TO XXXX CREDIT BUREAU, WHICH MADE MY CREDIT SCORE GO DOWN CONSIDERABLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ITEM IS PAID IN FULL BUT STILL BEING REPORTED AS OWING A BALANCE. ALSO THE SAME DEBT IS REPORTED ON MY CREDIT REPORT TWICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: FL
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:
In XXXX of 2022, we received a FRAUD ALERT FROM XXXX XXXX XXXX concerning IDENTITY THEFT involving XXXX  XXXX  in the amount of {$5500.00}. 

We immediately telephoned XXXX XXXX to dispute the FRAUD and notify them of the IDENTITY THEFT. During a long call with their representative, XXXX, we were told that the account had not been funded and he still had time to cancel it due to the IDENTITY THEFT and FRAUD. XXXX exact words were The good thing is it hasnt been used yet. ( It was ) set up on the XXXX ( of XXXX ). 

He also told us that XXXX XXXX had sent a promotional mailer to our old address at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX and that it had been completed, signed and mailed back with a forged signature. He also stated that my personal financial information was included in that application. 

My personal financial information could have only been provided to the new tenants by our former property manager, XXXX XXXX of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX or ILLEGALLY obtained by XXXX XXXX XXXX ( the new occupant at our old address ) through XXXX XXXX XXXX Schools where she is also employed. 

XXXX told us that he would send us a copy of the fraudulent application, yet after 5 months, he has still failed to do so. Instead of doing what he promised, he did send us an electronic version of the FRAUDULENT APPLICATION which stated that the purpose of the loan was home improvements. This would be impossible for us as we rent our home and DO NOT OWN ANY HOME. On the bottom of that electronic copy is the statement XXXX XXXX XXXX The customers date of birth or ID data did not match gAuthenticate data yet they processed the fraudulent loan anyway. So much for due diligence on the part of this negligent company, XXXX XXXX 

XXXX also asked us to file a police report with our local sheriff, file an FTC IDENTITY THEFT report and provide XXXX XXXXXXXX with copies of those along with a copy of my Florida Driver License which we did via U.S. Mail. 

While we had this discussion with XXXX at XXXX XXXX 5 months ago and we provided every bit of documentation requested, XXXX XXXX went ahead and funded that FRAUDULENT LOAN to the IDENTITY THIEVES anyway. 

This FRAUDULENT ACCOUNT and XXXX XXXX FRAUDULENT REPORTING of it to Equifax, XXXX and XXXX have cause my credit scores to drop with each bureau anywhere from 100 to 150 points each and these scores continue to plummet due solely to XXXX XXXX NEGLIGENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I sent a CERTIFIED letter of dispute to Automobile Acceptance Corp. on XXXX/XXXX/2015 and demanded a validation of debt. I was asking for the proof regarding the debt that I owe and verifying it. I have a signed Receipt from Automobile Acceptance stating that they received the letter on XXXX/XXXX/2015. On XXXX XXXX, 2015 I sent another CERTIFIED letter stating I do not believe I owe what they say I owe and in accordance with the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g SECTION809 ( B ) Validating Debts, that this matter is closed since they failed to respond, I assume that they were unable to validate the debt. I contacted ( XXXX ) XXXX ext XXXX or XXXX ) the collections department on XXXX/XXXX/2015 and spoke with XXXX ( front desk ) @ XXXX ; XXXX whom transferred me to XXXX and I got the voice mail, I called right back spoke with a XXXX ( front desk ) on XXXX/XXXX/2015 @ XXXX who transfer me to XXXX XXXX in collections on XXXX/XXXX/2015 @ XXXX. I explained that I needed to speak with someone in compliance regarding a debt validation that needed to be deleted from my credit report. she advise me that she did not have that authority to do so and asked me to fax over my documentations so that she could forward them to her manager whom was in a meeting a the time. I tried to fax the XXXX and the fax failed so I hand delivered them into the office located at XXXX XXXX XXXX XXXX Ga XXXX at the payment center and they were signed and received by XXXX XXXX on XXXX/XXXX/15 @ XXXX. I received a phone call from XXXX XXXX XXXX XXXX Collections manager on XXXX/XXXX/2015 XXXX that lasted 14mins and 40 secs. I advised him that the Account with his collection was not validated with in the 30 day period and I wanted this matter resolved by having it deleted ASAP. He replied by telling me that he had just sent out a letter to me yesterday in reference to my letter dated XXXX XXXX, 2015. I also advised him of the FAIR DEBT COLLECTION PRACTICE ACT, 15 USC 1692g SECTION809 ( B ). AND TOLD HIM THAT IF HE DIDNT COMPLY THAT I WAS GOING TO REPORT VIOLATIONS OF THE LAW TO MY STATE ATTORNEY GENERAL, THE FEDERAL TRADE COMMISSION AND THE XXXX. His reply was go ahead. He later said he would get back with me on Monday XXXX/XXXX/2015 after he spoke with someone to see if I was right.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$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 explanation
Consumer complaint received 2018-05-29
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
XX/XX/2018 I sent a letter asking XXXX XXXX XXXX to verify debt and they refuse to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: AMERIFIRST FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
AmeriFrist pulled my wife 's and my credit on XXXX for what they claim is to sell our loan. Unfortunately, AmeriFrist sold our loan to XXXX back in XXXX. 
Below is what has transpired with AmeriFirst. 


XXXX/XXXX/XXXX XXXX made a hard credit pull on our credit. 

XXXX/XXXX/XXXX I called XXXX to see what the hard pull was for. XXXX told me that is came from The AZ branch of AmeriFirst. 

XXXX/XXXX/XXXX I called Ameri First and they transferred me to you. I explained to XXXX XXXX at AmeriFirst what was going on and XXXX XXXX at AmeriFirst said " let me research it and I will get back to you ''. 

XXXX/XXXX/XXXX After a week went by and I heard nothing. I called XXXX XXXX at AmeriFirst back. XXXX XXXX at AmeriFirst explained to me that " that when we went through Ameri First to finance the purchase of our new home we signed a " Blanket '' statement allowing Ameri First obtain any information they needed to sell our loan on the second market and that includes hard credit pulls ''. I asked how many times will Amerifirst pull our credit? XXXX XXXX at AmeriFirst said " As many times as they want, but the credit report is good for 90 days. Did n't you read what you signed? '' I requested a copy of the " blanket '' statement and our credit report. XXXX XXXX at AmeriFirstsaid no problem and that we would also would receive a letter from your legal department explaining what is going on. 

XXXX/XXXX/XXXX I called XXXX XXXX, who has serviced our loan since XXXX/XXXX/XXXX. I explained to them what was going on and asked if they were trying to sell our loan. They told me no they are not selling our loan and they do not know who AmeriFrist is. 

XXXX/XXXX/XXXX I called XXXX XXXX at AmeriFirst and explain to you what XXXX said. You said the same thing again " AmeriFirst has the right to pull your credit when we are trying to sell your loan. '' I then asked " Why would Ameri Frist need pull our credit to sell our loan? XXXX is servicing our loan and has been since XXXX? '' XXXX XXXX at AmeriFirst said " let me research it and I will get back to you ''. 

XXXX/XXXX/XXXX We received in the mail a copy of the " blanket '' statement, the HUD and a letter from XXXX XXXX at AmeriFirst stating the same thing about selling our loan on the second market and how AmeriFrist has the right to pull our credit. There was no credit report or letter from AmeriFirst 's legal department. 

XXXX/XXXX/XXXX I called XXXX XXXX at AmeriFirst to ask what is going on and to call me back. 

XXXX/XXXX/XXXX XXXX XXXX at AmeriFirst called left me a message and asked me email you my complaint and what my expectations are. 



Since my loan servicer does not know who AmeriFrist, and AmeriFrist no longer has anything to do with our loan since XXXX of XXXX it makes no since why AmeriFrist would pull our credit in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions 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:
I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2018 Balance : {$1800.00}

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 non-monetary relief