BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: Monterey Financial Services LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I want to start by stating I never agreed to sign or work with Monterey Coll Svc. However, they are appearing on both mine and my wife 's credit reports. I had requested proof of the original contract with the original creditor reflecting proof that I had acknowledge I was in agreement to work with their organization or allow for my personal information to be provided to another organization and yet they failed to respond with this information. However, they did respond with informing me they will not respond to any of my written requests again because I sent in a cease and desist letters to stop phone calls because I wanted all communication in writing. Are they attempting to get me on the phone to pressure me further to work with their organization? 

Additionally, this organization is reporting as a collection agency/attorney on my XXXX and XXXX credit reports.. isn't this against the law? To continue, this contract was entered into due to predatory lending and misrepresentation. We never agreed nor wanting to sign anything and now this Monterey Coll is continue to affect us negatively. Finally, I requested proof of all information on my credit report and what is being sent for validation as accurate and was sent a letter with no proof of validation documentation included. They are reporting a past due amount on an account I never agreed to have with them and a balance that is significantly greater than what they are saying I owe to the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: MO
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:
It has been a long time since I started disputing my Credit File in hopes of having the fraudulent items be completely removed from my Credit File, however, the Credit Bureaus have done nothing despite the consecutive, multiple disputes I have been submitting. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to send me copies of proof of verification and or copies of proof of ownership or any documents bearing my signature but up until now, the Credit Reporting Agencies have never sent me anything related to my dispute. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they remove the disputed accounts and information that resulted due to identity theft. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022. Also, the Credit Bureaus have been claiming that the disputed items belong to me without sending me copies of documents that I have been seeking. This action of the Credit Bureaus is a clear violated of a consumer 's rights in under the Fair Credit Reporting Act. I have informed my legal aides regarding this matter and they are willing to help me deliver this case to a federal court. If it is not too much to ask, please remove the disputed items as soon as possible.

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 2021-07-23
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have had this account 38 yrs a few times renumbered with new account numbers. For the first time today!! I was told when I asked : Why is my minimum payment and balance going UP instead of down for the first time after I made a payment.?? The answer I received from today 's rep was something about covering the whole balance with the minimum payment. 

I am demanding Citibank NA to send me in writing where I agreed to this practice?? and also my original agreement from 1983. This is outrageous, my payments should make the minimum payment as well as the balance go DOWN not UP!!

Is this practice even legal??? I did not sign to it. And why all of a sudden after 38 yrs is this being done to me.?? I have never been late or missed any payments since 1983 origination.

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 2022-04-27
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:
My name is XXXX XXXX XXXX and I am submitting this compliant without any influence

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 2020-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America, tried to raise my interest rate to 30 % and denied me the ability to carry out any 0 % balance transfers, cash advances - only the purchase option was made available to me. - I had to close my account due to the unfair and deceptive practices after being a customer since XXXX. I have been a Bank of America member since XX/XX/XXXX. On XX/XX/XXXX, my {$50000.00} limit was reduced the credit limit to {$39000.00} and my other BofA credit card with a {$1000.00} limit that was opened XX/XX/XXXX, was also closed on XX/XX/XXXX this action impacted my credit utilization and credit profile with a thirteen year relationship. Bank of America has been carrying out predatory lending practices. My minimumpayment was {$200.00} and I was paying this at 0 % APR - paying off my balance. Bank of America turned around and hurt me when I closed my account, changing my minimum payment to {$1200.00} at a 26 % interest rate - making it impossible for me to pay back the balance. Bank of American retaliated after I filed a CFPB report about their unfair and deceptive practices. Bank of American also contacted XXXX. XXXX told me over a recorded call that they lowered my credit limit by 50 % after Bank of American told them I had a late payment with them. The action messed with my credit utilization - negatively impacting my credit score. XXXX should not make decisions based on inaccurate, information that Bank of America has provided them about matters between myself and Bank of America which has nothing do with my XXXX accounts. XXXX needs to put my credit limit back to its original limit as I have never made a late payment with XXXX. Bank of America reported to XXXX that I am late by {$590.00} and that is incorrect. I did not agree to a {$1200.00} a month payment. I paid my {$200.00} a month as agreed. I also told the FTC about predatory lending from heartless Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid when wages were garnished beach in 2019. I received a letter from the court stating it was paid in full. They have now come back twice trying to garnish again over the same debt. 
They are saying {$1500.00} are owed that was all paid already. I called many times and I have been put on hold. This is ruining my credit and my health. I need this to be settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company name is Rent Recovery Solutions. A little over 6 months ago I had to cut my lease short due to financial issues. I talk to my apartment office and they understood and told me what to do. To paid the month ( XXXX ) and they next ( XXXX ). I left at the end of XXXX and I paid the rent for both XXXX and XXXX before I left. When I opened my credit account around XXXX I had saw that they are trying to collect a debt that I dont owe. The amount is {$3900.00}. They dont have a number I can call nor and website. I believe it to be a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: NJ
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:
I have tried to fix this with the credit companies and with experian, experian has not done an investigation into my issues with inquiries on my credit report that i did not authorize, below are inquiries I did not authorize, if experian can not present evidence that these companies have a wet signature from me or can present evidence it was me who requested these inquiries they must remove them from my credit report due to harm they are causing to me from obtaining a mortgage and personal credit. By law companies must be able to show a wet signature to pull an hard inquirie, I did not request these companies to pull my credit or give them permission, nor can experian prove i gave them permission to pull my credit, these were unauthorized hard pulls of my credit. 
XXXX XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX/XXXX  on XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND CREDIT MANAG # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I buy Biticon with the Gemani from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -NY XXXX TOTAL XXXX $ USD, after 3 days later, Gemini frozen my account and send 24 emails and no answer. After i check online in the XXXX  reviews found 100 more people with the same problem. The Gemini Exchange Company make fraudulent work here in US

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2022 Dear Capital Accounts After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2022. I am requesting that you 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 patients authorization. Therefore, my request is twofoldvalidation 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. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

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 explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 called Tell them I have a fraud account but I cant understand them and they help me

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 2022-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am filing this Complaint for inaccurate and misleading information. 

I have filed a complaint with XXXX on an item on my credit report that has inaccurate information. They have replied in XXXX different occasions that they have verified that it belongs to me without explaining their investigation. Account XXXX listed with {$1200.00} debt is not recognizable. They simply respond that the account is valid and they show me no proof of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Atlantic Recovery Solutions LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Atlantic Recovery Solutions agency has harass me consistently for XXXX years for a debt that was made in XXXX. They have lied to say they represent a company, but wont tell me who the company is and where they are located. They have called my father 's ex wife on numerous occasions leaving voicemails about a debt they claim that I owe. I have paid them a sum of {$1300.00} dollars over 3 years and debt has not been validated. They continue to call me and my family members and left voicemails on there phones concerning the debt. This is against the law for them to leave voicemails with my family members concerning the debts. On XX/XX/XXXX, they left voicemails for my stepbrother and stepmother concerning the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: TRANSWORLD SYSTEMS INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received numerous phone calls from Transworld Systems debt collection agency. They call from XXXX and then tell me to call their line at XXXX. I work for a XXXX XXXX XXXX. We do not owe anyone anything and all purchases made by us go through a purchase order system. This is a scam company. Each time I call them back they say they have no record of my debt, I tell them to remove my phone number. Shut them down! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Securitas Financial Inc
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX, 2017 my loan closing for my home loan with XXXX XXXX XXXX was held. Prior to this closing, the Securitas Mortgage, Mortgage Broker representative XXXX XXXX ( NMLS # XXXX ) had informed me that the funds I should receive back after the closing ( from previous escrow as well as any additional funds ) would total {$1200.00}. During the closing the Notary ( XXXX XXXX with XXXX XXXX, XXXX ; XXXX ) mentioned that the cash amount to be received back to me was listed on her paperwork as {$500.00}. When I mentioned that this was not the amount discussed with me by XXXX XXXX prior to the closing, I then paused the closing to give him a call and after some checking while on the phone he then determined that {$700.00} had inadvertently been left out during the processing of my paperwork. At this point he then confirmed this to the Notary, XXXX XXXX, over the phone during the closing. XXXX XXXX then said that if we would continue with the closing he would send me a check for the amount left out in error - {$700.00} - within the next day or so. Although I did receive the {$500.00} amount first mentioned by XXXX XXXX within a few days, I did not receive the remaining {$700.00} the Securitas Mortgage Broker assured me that I would receive if I proceeded with the closing. During the next week the promised check did not arrive from XXXX as promised, nor in a wire transfer to my bank account, which was also promised on numerous occasions. The Securitas Mortgage Broker representative even promised twice to drive a check to the nearest XXXX XXXX XXXX and deposit the check directly into my account on at least two occasions. It has now been 40 days since my closing and I still have not received the remainder of the funds I am due. I have at least several dozen emails from Securitas Mortgage relating to this issue and promising to resolve this situation, and nothing is being done. A few days ago I then sent an email to the Securitas Mortgage President and also sent an email and left several voicemails with XXXX XXXX, Mortgage Consultant ( NMLS # XXXX ) who processed the loan, and have received no response from either of these Securitas Mortgage representatives regarding my situation. Once again, I have numerous emails from Securitas Mortgage acknowledging responsibility for this amount owed of {$700.00} and promising payment, and the XXXX XXXX XXXX notary XXXX XXXX also remembers payment of this amount being promised by phone during the closing, however nothing is being done and I am not receiving call backs when I leave messages.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: UT
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my current account summary from XXXX and it clearly shows that this account is current. I have never missed a payment on this account and consequently the late that is reporting is in error. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is in regards to my Paypal Mastercard through Synchrony Bank. They offer a 2 % cash back on all purchases. Initially I had no problem received the cash back rewards but I did not receive anything for my XXXX statement. At that time I quit using they card due to multiple customer service issues. My XXXX purchases totaled {$25000.00} and I am owed {$500.00} in cash back rewards for that statement. I contacted Synchrony mid XXXX about this issue and they said my new card needed to be activate for the rewards to show up. We took care of that and couple weeks later still nothing. I called them again and the rep said it would take couple more weeks. Still nothing so I called again, Rep said he sent an email and that the rewards should show up in a couple of weeks. I am tired to calling them with no resolution and I am hoping your group might be able to help in this matter.

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