BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
There was an fraudulent account opened in my name with Synchrony Bank via XXXX. There was no balance and I have already talked to the bank representatives about the matter and they seemed to have corrected the issue but just wanted to keep you all abreast of the situation. If there is anything I can do to erase this bad mark on my record please let me know. I will submit a 7-year credit monitoring service with one of the credit reporting agencies and also I have reported it to my local police department.

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 2017-01-29
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have began receiving credit denials from companies that I have not applied for credit with. Primarily department stores using my name and address. I have contacted the companies directly to file complaints with no resolution at this 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 non-monetary relief
Consumer complaint received 2021-03-23
Company: EQUIFAX, 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:
You have violated 15 USC 1681b. Per 15 USC 1681 b- Permissible purposes of consumer reports ( a ) In general Subject to Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, the consumer, DOES NOT give Equifax the consent to report anything on my consumer report. I have never given Equifax the consent to report anything on my consumer report and to use or share my private information, particularly for financial gain, is in itself identity theft. Equifax publishes information on my consumer report for a fee, financial gain, to those who are willing to pay for their services. Pursuant to the statue listed above, it is my written instruction to you to delete the listed accounts below from my credit report. 
You have also violated 15 USC 1681a ( d ) ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: St John Rossin & Burr, PLLC
State: SC
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 am trying to resolve my past due HOA fees as part of the loan modification process with XXXX. When I contacted my HOA I was informed that my account has been placed with a debt collector attorneys firm. When I contacted the attorneys office they stated I needed to pay them either {$200.00} or {$300.00} just for them to tell me how much I owe them. The more I paid them the faster they would provide the information. I find it difficult to believe that this bullying tactic is even legal. It is certainly NOT ethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls between times specified that no calls are to be made. " No Call Time '' : M-F XXXX -XXXX as it was explained to Convergent collections. I have received repeated calls since notification. All calls are recorded on Convergent side. I will be mailing written notification today to them. This act is seen as harassment under the FAIR DEBT COLLECTION PRACTICES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a modification in XXXX 2015 and continued to respond to requests for additional information through XXXX 2015. At a court date on XXXX XXXX, 2015, I was told orally by a representative for ASC that I had been denied for a modification. I was told at that court date that I would receive a letter explaining why I was denied. But, ASC has not provided that letter explaining why I was denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had a XXXX XXXX lease ( VIN XXXX ) and returned it in XX/XX/XXXX. Before the lease return, I replaced 4 tires per lease end guideline to avoid excess wear charge. Also in XX/XX/XXXX I purchased a new XXXXXXXX XXXX  ( VIN XXXX ) with cash. In early XXXX I received the final bill which included {$390.00} disposition fee and {$320.00} excess wear charge. I want to dispute both charges. 
First, my lease agreement XXXX ( t ) says " Disposition Fee Waiver : The Item 4A Disposition Fee will be waived if you purchase or lease a new General Motors vehicle when the Lease ends ''. Since I purchased a new GM vehicle, the disposition fee for my lease should haven been waived. 
Second, I replaced the 4 tires per lease end guideline and emailed GM Financial the tire receipt. So the excess wear charge should have been removed. 
Therefore, I want GM Financial to waive both excess wear charge and disposition fee which was {$770.00} in total and refund my payment of {$420.00} for the bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a call today that was " unknown ''. They called 3 times in a row and left a message that I had been " served ''. I managed to catch the third call and was given a phone number ( XXXX ) and a case number ( XXXX ). The male I spoke with informed me that a civil action has been filed against me by XXXX Mastercard which I had from XXXX, saying that the complaint states that I got the card with the intent to defraud. First of all, this debt is XXXX years old. Secondly, I filed bankruptcy a year ago. He said that the debt was something like XXXX XXXX dollars. There is no way the credit line should have been this much. XXXX  was sold to LVNV LLC, a debt buying agency. I researched this, can not pull up a phone number to match that above, but did find that the FTC had a case against the company that issues XXXX and the FTC won. As a result, there is an injunction against them filing anything on consumer 's credit reports. 
I don't anticipate any further action, but felt that I should report this as it has probably happened to others. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have Disputed this Account the XXXX XXXX Account is Inaccurate and Fraudulent Information reporting on my credit profile The dates and account status is inaccurate. I Am Seeking Litigation From This Account. XXXX XXXX is still reporting miss leading information on my credit report. This account was sold to another company. So why is XXXX XXXX steel reporting information about this Account I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed

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 2021-03-23
Company: Experian Information Solutions Inc.
State: AL
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:
The account with XXXX on my credit report was paid in 2015. The balance is {$0.00}. However, the account payment status is reporting as 90 days late. This is clearly WRONG. I have disputed this information. The credit bureau verified the information as accurate. Again, this is clearly WRONG! The account can NOT be paid, and closed with a {$0.00} balance and be 90 days late at the same 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 2015-08-07
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 is not mine

Complaint:
Erroneously produced negative reports to all three credit bureaus causing a XXXX point drop in my score at all three. 

They did so while trying to collect a 2.5 year old, contested balance I 'd heard nothing about for that 2.5 year time. Out of the blue - bang - try to collect and immediately smear my credit reports at all three bureaus. 

I 'm about to apply for a mortgage and this will carry significant negative financial impact me in obtaining a favorable rate - far exceeding even the erroneous amount they were attempting to collect. 

The collection agency reported that they have completed their dispute investigation and that they found that the debt was legitimate - but they have not asked me anything, including for copies of my letters to the vendor, certified, return receipt, stating my position that the vendor had breached the sales contract and was not entitled to any payment. Those letters are succinct, factual, and contemporary to the time of the disputed services - XXXX. 

The {$130.00} XXXX dollar corporation XXXX $ XXXX then - seem to be growing fast with these tactics ) doing the XXXX here is XXXX. Their disgusting collection agent is Convergent Outsourcing Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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: Was not notified of investigation status or results

Complaint:
I FILED LAST XX/XX/2021 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 61 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-03-23
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: Investigation took more than 30 days

Complaint:
I DISPUTED THE FOLLOWING ACCOUNTS ON XX/XX/2021 ISSUE HAS NOT BEEN RESOLVED. THESE ACCOUNTS ARE NOT MINE. 

1.XXXX ACCOUNT NUMBER : XXXX 2. XXXX XXXX ACCOUNT NUMBER : XXXX 3. XXXX ACCOUNT NUMBER : XXXX 4.XXXX XXXX XXXX XXXX ACCOUNT NUMBER : 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 2015-10-26
Company: Firstsource Business Process Services, LLC
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 is not mine

Complaint:
In XXXX of 2012 my identification mainly my social security card and Florida ID card was lost or stolen from my handbag and a sequence of accounts were open and checks cashed in my name. As soon as this was realized, I filed a police report ( see attached ). This account is unknown and was not opened 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 2016-09-01
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was once admitted to hospital for 2-3 hrs only and the hospital bill was mailed to my home address. Unfortunately, i did n't get the mail and missed the bill. By the time i inquired about the charges from hospital, they 'd already sent the amount of {$100.00} to collections ( CMRE, XXXX ). And then without any further delay, i paid the debt in full. Now everything is settled down and my credit report still shows the account is open though balance is {$0.00} ( paid in full ). As a result, any attempt made by any agency for credit check approval, it fails. I 'm being affected by this wrong Account-Type = " Open '', which is reflecting on my credit history. 
I 've spoken to XXXX and CMRE Financial services but in vain.

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 2021-03-23
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Good Day, To whom it may concern, Please immediately delete the account " XXXX '' for the following FCRA violations : Failing to report the DOLA or Date of last activity. 

Failure to report the creditor phone number, this account can not be verified. 

failure to report the date closed. 

Failure to report the account number. 

I have mailed Equifax a dispute letter regarding these items, however they are still illegally reporting this account with the above FCRA violations. See attached tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was approached by a family member about lending them some money through XXXX on Chase, When i went to my bank it had already been sent from my account to a " manny '' with an account linked by the phone number XXXX XXXX XXXX XXXX, They sent themselves 2 payments, one of {$350.00} and another for {$500.00} I contacted my family member right away and they confirmed that someone had assumed their identity. 
upon doing a reverse number search, that number comes back to a XXXX XXXX XXXX XXXX ) XXXX, the reverse search states he is XXXX XXXXears old Born XX/XX/1992, https : XXXX this XXXX  account is linked to the reverse search which confirms the name, the location, the birth date XXXX XXXX XXXX Making him 28 as the phone number search states XXXX. 
His zelle and bank are linked through this phone number XXXX XXXX XXXX XXXX and all this should point to the information i have provided, that this is in fact XXXX XXXX XXXX that scammed my bank account. 

I hope you can work with Chase to help me figure this out. 

I have given all this information to XXXX via a fraud claim, I have a fraud claim with XXXX XXXX XXXX which they have stated they will probably not help me ), and 2 cases filed with the FBI, I have also contacted the phone number and spoke with " XXXX '' since his number is linked to the account he used to scam me, he refused to return the money. I will be filing a police report today.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a collection agency that is trying to collect {$11.00} from me that I believe I do not owe. After multiple attempts to request debt validation from this agency, it has failed to provide such information. It sent me an itemized list of charges ; however, no where on that list does it show that I owe anyone any amount. It also has failed to provide its license to collection in my state ( CA ). Additionally, this collection agency has referred my letter to its legal department. 

Since the very beginning of my conversation with this collection agency, I have stated that I am not refusing to pay ; however, I would like it to provide me sufficient proof showing that I have any obligation to pay any amount. So far, in my opinion, it has failed to do so. However, in order to keep my good credit score, I have already paid the amount in dispute as of XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was granted by a Providian Bank a credit card sometime in year XXXX. With a covered protection plan. However, During the same year I lost my job due to XXXX that hamper my movement at work and got layed-off. I informed the Providian Bank of my situations and asked them to apply my protection plan. Then, I never heard from them. And on XXXX I received a summoned to appear in court and I found out that my account was sold out to XXXX. It was Handled by Atty.XXXX with postal address at XXXX, XXXX XXXX. I was n't able to attend the hearing due to the XXXX as the result of the XXXX. And was n't able to review the material facts as a result. Worse, I only have XXXX that has XXXX and the XXXX. And no hearing aid was advisable for me anymore. Except surgery w/o a guaranteed result and I ca n't afford. I learned from some that my account might already run-out of status from the last time I made a payment to the Providian Bank. And the said bank was sued for the same reasons for defrauding their customer with the added Protection plan by the Court in the State of XXXX in year XXXX. In which I was not aware until I found out in the internet recently. Atty. XXXX had garnished my salary and took 25 % of it in XXXX to XXXX until I was layed-off. Collecting more or less {$2000.00} USD from my employer XXXX. Now, I am XXXX with XXXX. But, Atty. XXXX want me to pay them {$10000.00} after taking more or less {$2000.00} from my pay. The XXXX never gave me any last statement from the Providian Bank. I am appealing for your Good office to help me with my situation. By getting the Information from the New account holder. As the XXXX no longer exist. But, a new Debt collection took over all the files from the Debt Buyer who bought my account from the Providian bank. Atty. XXXX never inform me that the XXXX was already dissolved and he is still representing the XXXX to enforce the collection of debt. By adding more attorneys fee 's ETC to balloon my balance of debt. Even those New credit cards are giving their new customers Interest free for 18th months. I am unemployed with a XXXX children too. I hope your good office will help me shed light the matter. This an old debt and the status of limitation was overlooked. and all the statement from the Providian bank will proved that they have been taking monthly payment for Protection plan from me. the reason the XXXX Supreme Court had slap a XXXX fine at the Providian Bank. And I was one of the victim. Hoping to hear from your good office sooner or later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: QUALITY ACCEPTANCE LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
account says 50 charge offs i only see 49 account says i was 60 days late only one month ( 30 days XXXX after on time payments i want this account removed

Company response to consumer: Closed with non-monetary relief