BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-18
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card
Issue: Transaction issue

Complaint:
Barclay Card falsely advertised a promotional rate for XXXX. purchases. On my first big purchase from XXXX a year earlier, they extended a zero percent interest rate for 18 months as advertised. What they did not tell me is that this promotion must be reactivated every time you make a purchase from XXXX, despite the fact that they do n't have any clear instructions on how to do this, and they do it automatically for you on the first purchase. Unlike other cards I own, they also capitalize on any amount in the account at closing immediately instead of the statement balance. That means if you have {$15.00} on the card the day before closing from an automatic payment they collect interest on it. This is a predatory card and Barclays has questionable business practices that intentionally try to trick the customer.

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 2017-04-06
Company: Michael Harrison, Attorney at Law
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit reporting from XXXX in XX/XX/2014 Account # XXXX XXXX and Account XXXX XXXX. I am requesting that they allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a letter to Experian requesting validation of an inaccurate item on my credit file. The letter included the very pertinent information as they themselves use. If Experian is not able to identify me by the very information that they are allowing an alleged collector to use in order to make a claim, how could this be considered fair credit reporting practices? 

Instead of validating the item in dispute, Experian replied with a request for unreasonable and unnecessary personal information from my personal files, such as a copy of my drivers license, utility bill, bank statement, social security number, complete spelling of my name, and addresses for the past two years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: SYNCHRONY FINANCIAL
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/XXXX I was contacted by XXXX XXXX of The Counsel Firm in XXXX Ca. He informed me that I had an outstanding balance of XXXX with XXXX XXXX XXXX threw GE Capital and they now own the claim and account. He verified my XXXX and SS #. I was convinced I had paid it, but he was so convincing that we negotiated a settlement of XXXX and he sent me paperwork to make payments. I have not signed the paperwork, because I was still trying to figure out if this was a legitimate debt. No one can tell me if this is legitimate and now they have taken XXXX out of my checking account. He said he did n't have to send me any additional paperwork except for the XXXX pages confirming my payment arrangement. If I owe it I 'll pay however the account is over XXXX years old and I would have sworn I paid it off in XX/XX/XXXX. Is this a legitimate Debt Collection company?!

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 2015-05-19
Company: SYNCHRONY FINANCIAL
State: MD
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 sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX XXXX '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was notified by XXXX XXXX that there was XXXX new account cards sent out and wanted to verify the charges. The charges were not mine and our address had been changed along with our email address. I then looked at our credit report and noticed the address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX listed as an address of mine that is in correct. I have never lived there or do I know the person who is using this address nor my wife. Please look into this as I suspect this to be the person who made fraudulent charges on my XXXX XXXX credit cards.

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 2020-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Account XXXX - XXXX XXXX XXXX XXXX I opened a Bank of America credit card XX/XX/XXXX because of the no interest balance transfer and no interest on purchases for 1 year. [ Page 6 ] Bank of America falsely advertised no interest on balance transfer and no interest on purchases until XXXX of XXXX. 

I called on XX/XX/XXXX and XXXX/XXXX ( unknown spelling ) told me I read the advertisement wrong. 

I said I wanted to talk to a manager. He said no one where available and I could email a manager XXXX XXXX at XXXX. I got no response. [ Page 5 ] I followed up XXXX of XXXX after I paid of the transfer balance and no response. 

I called back on XX/XX/XXXX and talked to XXXX. I was still calling about XXXX ; however, I was also calling about an interest charged not related to the balance transfer. 

XXXX said he could not reverse it. And said XXXX would call me back. I got no response. 

Bank of America customer service " told me what I wanted to hear '' to get me on the phones and never followed up like promised. 

I can attach the full documents and/or print them off ; however, I made it simple. 

XX/XX/XXXX to XX/XX/XXXX = {$26.00} XX/XX/XXXX to XX/XX/XXXX = {$93.00} XX/XX/XXXX to XX/XX/XXXX = {$53.00} XX/XX/XXXX to XX/XX/XXXX = {$49.00} XX/XX/XXXX to XX/XX/XXXX = {$49.00} XX/XX/XXXX to XX/XX/XXXX = {$7.00}

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 2015-10-09
Company: SYNCHRONY FINANCIAL
State: IA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have previously submitted a complaint against this company which resulted in them finally contacting me to get the issue resolved. I asked them the full balance remaining on the account and immediately paid the account in full. The account was supposed to have been closed. Several weeks ago I received a statement from them which indicated I had a balance of {$27.00}. I immediately called them and asked how that was possible considering I just paid the account in full. They stated that after I paid the account they added another {$25.00} late fee ( from the original issue of my not receiving statements from them XXXX. They removed this fee and stated that I had a XXXX balance and the account is closed. They apparently then proceeded to report to my credit that I had made another late payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently check my XXXX credit report and there is an exaggerated past due amount of {$16000.00} from Barclays Bank Delaware. I do not owe this amount of money or am I conducting business with this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-28
Company: Simon's Agency, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They are calling every day always from a different number for XXXX XXXX XXXX AND XXXX. They never leave a message as to what it pertains to and I have sent proof of a divorce and proof that I had medicaid via an XXXX dispute but all they say is we 've verified it belongs to you. I was married at the time of these occurrences to XXXX XXXX XXXX, we divorced she goes by the name of XXXX now XX/XX/XXXX. I am now married to XXXX XXXX XXXX. They never do much more than to keep sending back that it belongs to me. Every debt I disputed on XX/XX/XXXX has been removed because of this divorce. Previously in a complaint, Simon 's responded saying medicaid could not verify because the dates of service were more than 4 years out. NYS medicaid listed my college insurance as being my primary at the time, they paid out the maximum for XX/XX/XXXX, and I was not enrolled in XX/XX/XXXX. I was however covered by medicaid. The coordination of benefits is something I am not responsible for, CALL MEDICAID THE DATE OF SERVICE WAS XX/XX/XXXX it is not more than 4 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: Radius Global Solutions LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am being harrassed at work where I am prohibited to receive collection calls on my job. It is from Central Credit Services by an XXXX XXXX @ XXXX He called my job Monday morning XXXX/XXXX/15 @ XXXX then again today XXXX/XXXX/15 @ XXXX -- I know he is violating the FDCPA law -- I want this company to stop calling my job where I can possibly lose my job and My son 's job also.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Strategic Alliances, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a phone call from a debt collector with FFIF-ACM Opportunity Fund claiming to represent XXXX Hospital in XXXX FL. I recorded the call which lasted for XXXX minutes until the representative hung up on me. I informed the representative that I was recording the call at the beginning of the conversation. I asked her for the address of the company. She asked me why I needed the address, and I informed her that I only deal with financial matters in writing. She refused to provide it to me. I asked ten more times for the address, to which she replied that she could n't understanding me and that I was cutting out due to my bad reception. She then stated that when I have better reception, I could call back and she would give me everything I needed. She never provided me with a company phone number and the call came from an unpublished number. She also refused to repeat the name of the company when asked. I attempted to validate this debt with another debt collection agency that formerly owned the debt ( XXXX ). The debt was never validated and was removed from my credit in 2013.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 'm not accepting calls from creditors. I am unemployed. I have no real property and we are seeking a Chapter XXXX bankruptcy. I want these calls to stop on my personal cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Keep getting a phone call from an area code that is local to the number I have. They say that they have to talk to me about collecting I debt. I have no debts that would be calling this way. I have done research and this particular company is known to be shady, putting things on your credit and stealing money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: Curfin Holding Company, Inc
State: IL
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:
Ive pulled my credit report & noticed a few unauthorized hard inquiries on my credit profile that wasnt to my knowledge nor do I have any business with these companies nor did I give any consent to these companies to run my credit. My assumption is someone had gotten my personal information and tried to apply for something against my consent & knowledge. The INQUIRIES IM REFERRING TO IS : Company : Date of Inquiry : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXXXXXX XXXX XX/XX/2020 3. XX/XX/XXXX. XX/XX/2020 4. XX/XX/XXXXXX/XX/2020 ( I contacted these companies and they werent able to verify my information nor did they even have my information in their system and recommended me to contact the credit bureaus to remove these inquiries but as I contacted the credit bureaus they claimed that I need to file a police report to get the inquiries removed which I did and I do have the police report number if requested ( will be included in attachments )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

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 an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe 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 explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: NV
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 just received a copy of my credit report and I noticed these hard inquiries are fraudulent. Soonest I finished reading my report I went to my experian account and lock my credit report to avoid these things from happening again. 

XXXX/XXXX XX/XX/2020 XXXX/XXXX XX/XX/2020

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 2015-10-28
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have never opted in to any fee agreement with my bank, Branch Bank & trust. I have opted out of their fee agreement on several occasions, most recently the XXXX of XXXX. The previous times with their customer service dept. over the phone and fees were refunded. They have again illegally charged my personal account {$72.00} in overdraft fees and have refused any refund. These fees are illegal according to the Overdraft Protection Law. This is not first time this has happened. I contacted BBT and they said I was opted in, how convenient for them. I have never nor would I ever opt into a fee agreement. I believe it is BBT that has changed my opt out to suit their needs. My goal is to recover my lost fees and you to investigate BBT for illegal practices. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX XXXX, 2016 at XXXX. XXXX I received a voicemail from Dynamic Recovery Solutions from XXXX. 

I called them back at XXXX. XXXX. I requested the name, address, and phone number of who they were calling. He kept asking if I was XXXX XXXX. I finally confirmed I was XXXX XXXX and he took a very long time to finally give me the contact information that follows : Dynamic Recovery Solutions XXXX, SC XXXX XXXX At this point, I requested to know the name and address they had on file for me. He provided an address that was added to my credit report during an incident of identity theft. 

I asked who they were collecting on behalf of and he asked if I would validate the last XXXX digits of my social security number and then read them too me. I refused to verify this information and he refused to tell me who the collection was for. 

My understanding is they should not be handing out even the last XXXX digits of my SSN to anyone, ever. I suspect they are n't a valid debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26
Company: Radius Global Solutions LLC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I been receiving harassing and threatening telephone calls, and XXXX threats from Central Credit Services, LLC., representatives for a debt, I do n't owe and do n't belong to me. The debt is a result of identity theft. Someone stole my identity and personal information. I am a victim of identity theft.

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 2016-11-12
Company: Radius Global Solutions LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I ordered a internet connection to a company but then i suddenly changed my mind about it so i called and told them that i dont want it anymore. They said on the phone okay just mail is back the router and you dont have to pay anything because you 're in the 30 day money back guarantee policy. I mailed them back the router the next day then after two months i got an email that they say i owe them XXXX XXXX So i contacted costumer services talked it about them and they said just wait for the revised bill. I waited no email came for 8 months. I thought it was settled but then i got a mail from central credit that i owe something from them. So i called central credit, i disputed the claim but then its been months and they still didnt pulled back the claim that i owe that company and kept saying there waiting for there response because i gave them email proof that i talked to a costumer service and the representative stated there that i dont have to pay anything because im in the 30 days money back guarantee.

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