BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called them to have some kind of settlement arranged. The representative told me if I payed {$100.00} down the amount would be reduced. I paid the money then recieved a bill and the amount was not reduced. So I did not make the payments. I started recieving phone calls. I asked to speak to superviser told her the situation she told me that her people would not make a deal like that I asked her to listen to the recording she told me no she didnt have to her people wouldnt make a deal like that. Then she offered if I paid the balance in full right then she would make the deal.I told her no. I recieved several calls after that then they turned it back over to the company the debt was created with is what I was told,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, my information was compromised by XXXX doing their data breach. I began the process of looking for a home and to my surprise, my information was used to open multiple credit cards on the same day! I've tried over and over again to have these items removed and to have the companies to stop reporting the inaccurate information on my credit. I've called XXXX since XXXX to have them rectify the issue and received nothing but credit monitoring. They have not taken ownership for anything that has happened to me. Fast forward to XXXX, I'm still having issues. I couldn't buy a house and I can't even get an apartment in my name because they say I have ongoing debt. This is truly unfair. I'm on the verge of breaking out in tears!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After filing for modification review and waiting for more than a year for a resolution, Bank of America finally sent me a modification under the XXXX program and they miscalculated the income. For this modification, Bank of America calculated the household income to be {$6900.00}. Based on that income, they came up with monthly mortgage payment under the XXXX program to be {$2100.00}. {$2100.00} was the payment that we could not afford and fell behind on. As you can see, did used the payment by {$12.00} and considered it affordable. That is insensitive and cruel and a joke especially after waiting for more than a year and going back and forth with them. If the household income was what they say was, there was no reason for us to fall behind on the mortgage.. We fell behind because he was unaffordable. 

Our household income consist of {$400.00} of my payroll income and for the {$4500.00} contribution from my son. Based on that, the household income is {$4900.00}. Please help me correct this error and help me get Bank of America to rearview us for the modification. 
I am also very concerned that Bank of America has been playing a lot of games and not doing things as they are supposed to according to the treasury guidelines in meeting timelines. All the programs are expiring at the and of XXXX and I am very concerned about them not doing this modification and forcing me into a foreclosure. Please help me get this done right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being called repeatedly, on a daily basis, but there is never a message left. I have googled the phone number and there are multiple complaints about this company not only being a scam, but harassing others as well. I have never heard of the company nor have I ever received written communication from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: COAST PROFESSIONAL INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2022 from Coast Professional , Inc., XXXX XXXX XXXX, XXXX XXXX, NY XXXX stating that I owe {$95.00}. I have no clue what this is. I do not owe any money to any type of company or organization, private, state, or federal. I emailed them this statement as well, and I will be mailing them and leaving a voicemail about this also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hi, My name is XXXX XXXX. 

ARS Account Resolution has contacted many times. I advised this company via phone to cease and desist last year XX/XX/2021. I even mailed a letter following that on XX/XX/2021. I do not owe this alleged debt. I have requested for this company to provide proof of such debt and they have failed to do so. I demand that this removed from my credit profile.

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 2016-09-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have paid my bills on time and have a good relationship with my creditors. However, my new Walmart Credit Card issued by Synchrony Bank lowered my available credit by 33 % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.

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 2017-03-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
complaint on Synchrony Bank XXXX Synchrony bank has committed fraud by saying that they transferred {$6000.00} to my account at XXXX XXXX XXXX. 

On XX/XX/2017, I made XXXX transfers from XXXX XXXX XXXX to Synchrony Bank in the amounts of {$5500.00} and {$6000.00}. On XX/XX/2017, I sent an email asking Synchrony Bank to cancel the transfer. In the interim I tried to transfer the money back myself however, I was contacted by email and told that Synchrony Bank had cancelled my transfer request but it was the wrong one! They did not even look at the time line. Instead of cancelling the transfer that I requested from XXXX XXXX XXXX, they cancelled the transfer from Synchrony. Then they put a " Restriction '' on my account holding ALL of my money hostage. I have made more than a reasonable amount of phone calls to Synchrony bank with no resolution and no money either. 
In these phone calls I asked that the money be sent back to XXXX XXXX XXXX. They transferred back {$5500.00} and said that they also transferred back {$6000.00} and that it would take 3 - 4 business days to get those funds back, this was on XX/XX/XXXX and XX/XX/XXXX. 
I got the {$5500.00} back into my account with XXXX XXXX XXXX but not the {$6000.00}. I have spent days and hours speaking with managers at Synchrony Bank who say that the funds were sent to XXXX XXXX XXXX and that there is nothing they can do. They gave me a trace number ( see below ) and told me to give that to XXXX XXXX XXXX. When I did, XXXX XXXX XXXX said that they have no idea what that number is. I was told that the {$6000.00} was never transferred into my account. 
I have been given the run around by both Synchrony and XXXX XXXX XXXX telling me that the issue needs to be taken up with one or the other. In my opinion, the responsibility lies with Synchrony Bank. They have done nothing but mess up my account and attempted contacts with them from the beginning. 
The " trace number '' they gave me is XXXX. Today is the 5th business day and I do not have my money ( {$6000.00} ) in my account at XXXX XXXX XXXX. 
I spoke with a manager XXXX at extension XXXX. She told me she would call me back in an hour. When I called back after leaving 3 messages with her I was told that when she tried to call me back my phone was disconnected. Interesting since my phone has not been disconnected and it is the same number I 've been calling them from. 
I was given another managers name and phone number and was told to wait another day. That will be 6 business days without my money because of Synchrony Bank.

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 2016-10-23
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received a letter from Caliber Home Loans ( current mortgage company ) regarding the opportunity to refinance and lower payments, get cash for home repairs, etc. We need some kitchen updates, so I called and spoke with XXXX XXXX just to inquire and see if it would be beneficial. Just wanted to see what the cost would be and get an estimate. She said she would need to do a credit check to get numbers for me. She verbally gave me a couple of options and then said she would send something in writing. Next, she sent a loan application requesting electronic approvals from me and my husband. It had incorrect numbers, including initial loan amount and other incorrect info. After looking at the figures, I decided it was n't a good time to move forward. I replied to the email she sent with the application and told her that we were not ready to move forward at this time. I 'm certain she read my email. In a couple of weeks I received a letter asking for some clarification on some items on my credit report. Since I had told her we were not moving forward, I ignored it. Then last week, I received a statement from Caliber saying that they had reviewed our application and did not approve it. Imagine my shock that XXXX XXXX had apparently sent the application through without the approval, knowledge or consent of me or my husband! Perhaps she has a quota or is compensated for processing loans. I called the company toll free number XXXX and left XXXX messages asking someone to call regarding this and left my cell number. No one ever returned my call. My biggest concern is that this will go on my credit report that I was turned down for a loan that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A 3RD PARTY OR AGENCY. PLEASE SEE ATTACHEMENTS

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 2022-04-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
By US Mail, I have requested my free annual credit report from Experian in XXXX of XXXX but got no response. I attempted again in XXXX of XXXX, and again my request has been ignored.

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 2016-02-18
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
BARCLAY 'S BANK OPERATED A MASTERCARD ACCOUNT FOR US AIRWAYS. 
I WAS PROMISED XXXX COMPANION TICKETS WHICH WERE NEVER PROVIDED. 
I WAS BILLED A YEARLY FEE IN THE SECOND YEAR WHICH WAS SENT TO ME LATE. 
THIS TRIGGERED A LATE FEE. 
WHEN I LEARNED OF IT, I SPOKE TO AN ASSOCIATE WHO SAID I COULD CALL BACK IN A FEW DAYS TO DECIDE IF I WANTED TO KEEP THE ACCOUNT. 
HOWEVER, THIS WAS UNTRUE AS MY ACCOUNT WAS FLAGGED AS OVERDUE AND DESPITE PAYING EVERY DIME OF THE FEES AND CANCELING THE ACCOUNT, IT WAS STILL REPORTED AS DELINQUENT TO THE CREDIT BUREAU AFFECTING MY XXXX CREDIT SCORE!

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 2022-04-16
Company: Collection Bureau of the Hudson Valley, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I terminated service XXXX XXXX XXXX XXXX ( internet service ) and paid my final bill on XX/XX/2021. I have their email confirmation. However, they kept sending me past due notices. I tried calling. I could only talk to a representative about new services, or a service issue, but I had to have an established account. I didn't. I had closed mine. It was one of their so common " catch 22s. '' So, I ignored the notices. This company made numerous and repeated errors throughout the time I was using their services, this was just another. 

Then in XXXX I received a notice from XXXX XXXX XXXX trying to collect this erroneous debt. I spoke with them and then through email forwarded them a copy of my XXXX payment confirmation email. I thought I was finally rid of them. 

Then yesterday, almost six months later (! ), I receive a letter from Collection Bureau of the Hudson Valley trying again to collect on behalf of XXXX. This time I'm sending written correspondence to them, copying XXXX, and insisting they stop this harassment. And... I'm also reaching out to you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have inquiries and a wrong address reporting on my report. Tried fixing it.

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 2020-06-20
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
since XX/XX/2018, marinerfinance has put a lot of late Payment on my account. This was an auto payment from my own bank and for some reason the payment did not go through. i discussed with marinerfinance on this manner since this was my first time making a late payment but no luck. I suggest a plan forgiveness where i will pay {$200.00} upfront but they never reply back to me. They never remove the late payment that was associated with the same issue. i see now it just popped up on the two others bureaus and this has really and greatly lowered my score.

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 2016-05-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
chase bank sends individuals over to my house every month with a letter stating its personal and confidential. The person who came to my home on XXXX XXXX, 2016 between the ours of XXXX and XXXX did not keep it person al and confidential. The man who walked up to me in my driveway in front of friends and family members asked if I was familiar with chase bank and I stated yes, he told me he had been to my home many times, I tried to get the letter he had for me since I was familiar with the routine, he told me to " wait, wait, hold on, '' he again stated that he had been to my home many times and I just wanted him to give me my letter to avoid further embarrassment. He took his time as I took the letter from his had and walked away and got into my vehicle and he sat in his car blocking my driveway taking pictures of my home as he sat in his car blocking my driveway, I got off my car and asked him to move out of the way. The people at my home told me he remained outside the home taking pictures after I left. This is a form of harassment and not assistance as the letter he delivers stated. I did email chase 's executive offices and asked that they stop harassing me any further and keep this man away from me. They initially tried to deny it was them who sent him but I explained he did had a clipboard with all my information on it and their name CHASE BANK on his paperwork as well as on the letter he delivered. XXXX with chase bank executive offices stated she would look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: NVR INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX/XXXX/2015 I went to XXXX XXXX to consider purchasing a new house. The realtor XXXX XXXX told me that I would qualify for AT LEAST a 3.5 % interest rate. She even said that she was being " conservative '' and put it in writing. I asked how could I find out for sure? XXXX told me I had to sign a purchase agreement and talk to their sister companyNVR. I spoke with NVR Loan officer named XXXX as their normal loan officer XXXX XXXX was on vacation. I told XXXX that I did NOT want him to run my credit unless he could absolutely assure me that my rate would be below a 3.75 %. I did not want him to ding my credit. XXXX assured me that he absolutely thought that 3.75 % or even lower was possible as XXXX had put on my good faith estimate. Given his oral agreement ( prior to anything being signed XXXX XXXX ran my credit with understanding in place. On Monday XXXX/XXXX/2015 I went in to meet XXXX XXXX the usual loan officer that works with XXXX at XXXX XXXX. Loan officer XXXX XXXX XXXX XXXX is # XXXX. My wife and I sat down and I immediately said to XXXX XXXX, " XXXX, as you probably know we talked to XXXX at NVR while you were on vacation and he promised us that he would not run my credit unless you could hit at LEAST the percentage rate I gave him that all other lenders are currently offering. So we can make this a really fast yes or no if you tell me the interest rate. '' XXXX just said to just " sit down and we would review things first ''. As it so happens after 90 minutes of her blathering she pulled out a pre-printed sheet that had a completely different interest rate than what was said both verbally and on paper by either XXXX or XXXX XXXX. I was told I would get 3.5 % and I even said I would allow them to come in up to 3.75 % the price every other lender was offering. As you can see by the letter they put 3.5 % and said " that 's being conservative given your credit history ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in disputing the information on my credit file with Equifax. my credit report is invalid an damaged due to the data the credit agencies have reported. I am interested in disputing all incorrect information to fix the errors an clear my name thank you.

Company response to consumer: Closed with explanation