BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: Sentry Credit, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
SENTRY CREDIT INC, XXXX XXXX XXXX, XXXX, XXXX  XXXX, is attempting to collect a debt that was discharged through a mediation order filled in XXXX XXXX ( Florida ) Small Claims court. The order was sent to Sentry Credit via email in XXXX and XXXX. The order was sent to XXXX and XXXX in XXXX. When Sentry Credit was contacted by phone they said that " it was not their responsibility to check with the original entity XXXX at XXXX XXXX, even though they knew the matter was in litigation. '' The impact of the reporting and attempt to collect a debt that is no longer owed significantly impacted my ability to obtain financing. XXXX and XXXX allege that the collection is verified, even though they have a copy of the order and can verify its veracity through the XXXX XXXX on-line system. Sentry Credit is alleging to the world that they are owed a debt that they are not, this is simply fraud. It appears that XXXX and XXXX are ignoring their responsibility to actual investigate disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creedence Resource management LLC out of XXXX, Texas claims I owe a debt from XXXX, XXXX,2017. I  do not owe this and they put it this week on my credit report again. They did this once before and removed it. It was with XXXX XXXX out of XXXX XXXX mall in XXXX, California. A dishonest employee used my information to form a false account to steal from XXXX. I never had an account with them. I have XXXX, was homeless and had no bank account to get such an account. Please make them remove it from my credit report. Thanks, XXXX XXXX XXXX. It was only placed on XXXX XXXX credit reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I 've discovered these charges I 've been billed for merchandise I never ordered or received. Some funds where returned but then taken away again. 

XXXX XXXX, XXXX XXXX E-PAYMENT - {$300.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$49.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$170.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$1500.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2000.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$580.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$290.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$1400.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2200.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2400.00}

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 2022-09-03
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a check from a potential business partner that was paid forward. I deposited this check and began using this money when they canceled the check and all charges were charged to me when the check got canceled. This has caused my account to go into a negative balance. I deposited the check on XX/XX/22 and they refunded it to themselves XX/XX/22. They also asked me to send some of the money back which I did but once they canceled the check the charge was also taken out of my account. I was scammed by this person because I believe they never intended on letting me keep the money, but wanted me to send money back in order to take my money. I notified my bank of this problem and because I tried to send them the money back they will do nothing to help.

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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX did not fix error.

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 2022-03-08
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I owe synchrony bank money from past credit cards and they are attempting to collect a debt by repeated phone calls daily and refuse to give me correct information about my debt and constantly ask me for information regarding my son, phone number etc ... and they are spoofing calls by repeated number changes to attempt to reach me after I've continually and repeatedly have blocked them. Wrote them letters, emails etc ... to cease and disiss. It's constant and daily.

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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 pulled my credit report due to me getting notices that my social security and some of my accounts had been attached to a data breach. I notices some accounts that I was not aware of and unusually increase and charges on other accounts on my report. Disputing thru the credit bureau and company regarding inaccurate accounts and requested validation and verification of debts. Credit bureaus never provided, I requested accounts to be REMOVE AND DELETE from my reports but the account is still reporting and investigation was not done.

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 2021-05-28
Company: Comerica
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX {$200.00} & on XXXX {$200.00} & XXXX {$200.00} were taken from my ssi direct express card at XXXX XXXX on XXXX in XXXX, ok.at atm. On XXXX {$120.00} was also taken off card at atm at XXXX XXXX XXXX. I had my card stolen out wallet in backpack with lil notebook with pin # s & passwords. I filed a police report & dispute claim & they said it was denied & won't refund my money that was stolen

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My conventional second home mortgage was processed through Better Mortgage. After a tedious process where they asked for several private financial documents which were completely unrelated to the loan in question. After the mortgage loan was processed and signed, I received a letter that the loan was sold to another servicer XXXX XXXX XXXX  and I was instructed to make future payments to the XXXX. A month later, I received another letter stating that the Loan has been sold again to another servicer XXXX  and future payments would go to this servicer. In the midst of this, I received a letter warning of the cancellation of the home insurance which is under escrow payments through the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt validation letter was sent to Ability recovery services in mid XX/XX/2018, I in return received a letter from them dated XX/XX/2018 stating that the debt but purchased by XXXX XXXX from original creditor said to be emp of XXXX. Letter received is also a violation of my HIPPAA rights notating hospital visit and procedures done but none proof from original credit. I have never received a letter from XXXX XXXX XXXX stating that they are collecting for said debt in the total of XXXX. Debt is till being reported on my XXXX and XXXX reports unlawfully.

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 2018-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have accounts with both Bank of America and XXXX. These financial institutions are making policies that violate the constitution while at the same time accepting tax payer funded government benefits. As a consumer of their credit cards and other events, I am forced to a great deal of personal time and expense to close accounts and then move them. This attack on our constitutional rights must be addressed.

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 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
unauthorized hard inquiries on transunion. I have sent XXXX rounds of dispute letters of these unauthorized inquiries. XXXX and XX/XX/XXXX. 
The following inquiries are not authorized. 
XXXX XX/XX/XXXX and XXXX XXXXXX/XX/XXXX. 
Transunion has not deleted these inquiries.

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 2022-03-08
Company: Peterson Enterprises, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a notice from Valley Empire Collections. They claim an original amount due of {$630.00}, {$640.00} in interest charges, and a total amount due of {$1200.00}. They offered to reduce the debt by 30 %, if I paid in full by XX/XX/XXXX. The case number listed, XXXX, was filed in XXXX XXXX XXXX in XX/XX/XXXX. 

I did not receive any notice that I could dispute the debt. Nor was I served notice of the case being heard in XXXX. I do not believe I owe this debt, and I believe it is illegal for Valley Empire Collection to attempt to collect said debt ( of which I have no knowledge of ) after 9.25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have been having issues with bank of America constantly suspending my edd card. I would have to call them numerous times to have them unsuspend it and it was always a hassle. Well, then one day try to use my card and couldn't so I called them and they said my account was frozen. They requested me to go into a bank with two forms of ID and then they would unfreeze my account. Well I can't find my wallet with my ID since I moved recently and now I can't get into my account to get the money to get a new one. I made a complaint because bank of America would not even give me a reason why they froze it in the first place. I think it is a violation of the court order placed against them for using their flawed fraud filter. In any event XXXX XXXX  contacted me by email and gave a number to call them and I got hung up on twice and still no resolve. It's been XXXX XXXX. What do I do?

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 2017-09-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The following addresses do not belong to me. When I disputed with the bureaus they would not remove from my profile stating they are attached to account on my report which they should n't be because I have never lived there as well as they are XXXX XXXX addresses XXXX XXXX XXXX XXXX WV  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX XXXX WV XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: BOK FINANCIAL CORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a claim with my bank for XXXX transactions made with my debit card ending in XXXX, because the seller never sent the items. 
The bank gave me a provisional credit, but then was reversed. I received a letter requesting more information about the case, that letter has a old date and I don't know I received it very late and as soon I received the letter I sent the information back to them on XX/XX/XXXX. 
I need to reopen the case for this XXXX transactions for merchandise not delivered. 
XXXX XXXX made on XX/XX/XXXX XXXX XXXX made on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Experian Information Solutions Inc.
State: NY
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 a victim of identity

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Bureaus in question stated that my account was thoroughly and properly investigated although how is this possible with the date of last activity, High balance, Dated opened, and credit limit of the account was reported inaccurately. This is clear violation of my rights and is ground for removal. 

Inaccurately report on Account # XXXX 1. Date of last activity TransUnion is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 
2. High Balance TransUnion is reporting {$440.00}. XXXX is reporting {$0.00} and XXXX is reporting {$200.00}. 
3. Dated opened TransUnion is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX 4.Credit limit TransUnion is reporting {$230.00}. XXXX is reporting {$230.00} and XXXX is reporting {$0.00}. 

I have informed the bureaus that a consumer reporting agency can not furnish a account without written consent and instruction under 15 U. S. C. 1681 Section 604 A Section 2.

Also as a reminder I also have right to privacy which has been made Clear to bureaus under 15 U. S. C. 1681 Section 602A

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 2022-09-03
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent out a letter multiple letters XX/XX/2022 for XXXX to update my account with XXXX XXXX XXXX. XXXX is showing I have a delinquent payment with XXXX XXXX and I do not they are inaccurate credit reporting and I would like it updated I do not have a late payment. I have tried multiple times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered cable service thru XXXX XXXX XXXX (XXXX) and canceled the service in less than 5 business days. At the time the XXXX service was ordered, XXXX advertise no charges if service canceled within 30 days. I spoke with a XXXX representative back in XX/XX/XXXX who assured me that my balance was XXXX, thereafter on XX/XX/XXXX I received a letter from The CBE Group stating they are attempting to collect a debt in the amount of $XXXX. They have reported this false debt to the credit bureaus. The CBE Group stated that in order to cancel the debt I will need a letter from XXXX XXXX XXXX. I was on the phone for an hour with a representative at XXXX XXXX XXXX {XXXX  ID#:

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This complaint is related to a Bank of America credit card that I paid in full according to the latest stament received. I just received a statement for an additional {$100.00} of interests out of nowhere because I had paid the outstanding balance in full. I don'nt understand how interest are accrued out of a {$0.00} balance.

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 2022-09-03
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I sent money to someone I found on XXXX XXXX XXXX XXXX for a XXXX they stopped contact after the payment went through never got my money or tracking number for the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Rhodes, Kelly Assoc Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a call from XXXX and she never indicated that she was calling from a Collection agency. Ive been paying on this debt that I wasnt aware of and they proceeded to send the account to the Collection agency??? Why?

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 2018-12-16
Company: Receivables Performance Management, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against RECEIVABLES PERFORMANCE. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

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 2020-07-28
Company: EQUIFAX, 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:
THERE ARE SEVERAL ALLEGED UNKNOWN INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 604 IM DEMANDING THE REMOVAL OF THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The credit card company " Discover '' refused to lower the 24 % fees or help by reducing the monthly payment. 
I could not continue making payments, due to lack of work and my SSI could not handle the extra fees and penalties. 
I am XXXX years old and SSI is my primary source of income. 
The credit card company added more fees and wants me to pay the new fees @ 6 % interest, but refused to offer that when I was able to make payment. 
XXXX help, I am being harassed by a loan shark that ruined my credit and I can't even get a HELOC Home Equity line of credit to pay these bogus charges because of my credit rating.

Company response to consumer: Closed with explanation