BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: GA
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:
COLLECTION AGENCY REFUSED TO VALIDATE DEBT. CREDIT REPORTING AGENCY REFUSED TO REMOVE COLLECTION AFTER DISPUTING

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 2023-06-01
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX PA, XXXX Social Security # XXXX DOB : XX/XX/1990 Account XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that there are no references to you making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly, as well as the immediate rescission of contract due to noncompliance of federal regulation & the right of the consumer to rescind the contract under these circumstances. Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: U.S. BANCORP
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/23 I purchased XXXX but when I did the transaction the Company XXXX said my account debit card could not be used so I thought nothing else about it but the company took out the money anyway thru my US Bank account. I was in contact with bank and a banker noted my account of what happened thus leaving my account in the negative. After that I was told to report this to Fraud Dept where I left numerous messages but the person did not return my message. I called back got same message and held for another fraud person. I explained the situation and this person didnt want to hear anything I had to say he told me my account was closed and I tried to ask why and I was rudely responded by is there anything else after 3 times. This was not fraud I was doing nothing wrong. I have his name and should be in notes. I will furnish more information when requested.

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 2023-06-01
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I monitor my credit report through XXXX, XXXX, and XXXX. I received an alert from all 3 bureaus that there was a collection account added to my reports. The company 's name is XXXX XXXX XXXX showing an account # of XXXX in the amount of {$740.00} with an original creditor named XXXX XXXX XXXX XXXX. I have never heard of the company XXXX XXXX XXXX. I am unaware of this company, the amount, the debt and its origin, therefore, this debt is not validated by me. Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. 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 XXXX XXXX XXXX XXXX to to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. I demand that XXXX XXXX XXXX DELETE credit reporting from XXXX, XXXX, and XXXX until this debt is validated showing proof of my signature. Any further reporting of this collection 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 demand DELETION of the erroneous account # XXXX from XXXX, XXXX, and XXXX immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony bank closed my account and I did not receive any communication regarding this action. I have been a customer for years and have several accounts with them and according to a representative they have a right to close an account at their discretion. I never received a notice and their explanation was it was sent. They closed an account with a XXXX balance however my other accounts remain open. I have never been late nor have I missed a payment. I think it is unfair to extend credit and then without notice determine that you are no longer creditworthy and it affects your current credit score. This practice is detrimental to a consumer.

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 2023-06-01
Company: Experian Information Solutions Inc.
State: LA
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 sent several request to both XXXX and Experian to remove incorrect addresses, phone numbers, income of SSI, and names from my credit report. However, even though the emails and website shows deleted it still is showing on the report and it is affecting my closing process on my new home. 
There should only be one address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX One phone number XXXX one name : XXXX 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 non-monetary relief
Consumer complaint received 2023-06-01
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld Systems Incorporated contacted me on XXXX XXXX and stated that I still owed them {$9000.00}, but I was making payments to them every month for {$110.00}, they said I still owe 46 payments of {$110.00}, I agreed to the amount. I just want to know if I really owe that much back to them? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CAINE & WEINER COMPANY, INC.
State: MS
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:
On or about XXXX of 2018, I opened an account for a auto insurance policy. 

1. Records will show that I paid the full amount for the down-payment.

2. Thereafter, a number of the consecutive monthly were successfully submitted via a auto-payment from my bank.

3. The monthly payments at that time were approximately {$210.00} per month, during the initial term. 

4. When the insurance policy renewed at the end of the first term, it was increased, without my written consent, to more than {$1000.00} per month. 

5. There isn't any document which can be produced by the company that will show that I approved this egregious increase.

6. I have disputed this fraudulent claim for many years now, to no avail.

7. I ask that CFPB provide me with some assistance to remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I sign a contract for a auto loan with Credit Acceptance that had 22.9 % interest and hidden fees that were over Louisiana usury limits on 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 2023-06-01
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About three years ago I was going to switch to open a XXXX XXXX account for my business. This was all done over the phone with XXXX XXXX. We agreed on a package and they were going to send me phones so I can activate the account. Before that I received an email to make a payment to activate the account and it wasnt what we spoke about so I cancelled it never activated the phone and sent it all back. Now three years later this came up on my XXXX credit report. I am being billed for {$840.00} from XXXX XXXX A collections is on my credit report. I disputed it twice and I am being told it is accurate. I also called the collection agency and they were not helpful at all. Just said to dispute it on my credit report. Please assist on this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This letter is to inform that we are reaching out in regards to property address XXXX XXXX XXXX. XXXX, FL XXXX with loan # XXXX, in the original amount of {$130000.00} dated XX/XX/XXXX XXXX XXXX ( attached ) recorded on XX/XX/XXXX in XXXX XXXX Page XXXX in XXXX XXXX. The satisfaction that was provided from Wells Fargo Home Mortgage Recorded on XX/XX/XXXX in Book/Liber XXXX Page XXXX refers the incorrect Page from the Satisfied Mortgage mentioned above ( attached ) which should read XXXX XXXX vs 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 non-monetary relief
Consumer complaint received 2023-06-01
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I contacted the company and asked for proof they could collect on the debt after it being written off by the original company and proof the debt belonged to myself with signature proof, license, etc. proof that I was binded and obligated to pay the company that purchased the debt. They only provided an account summary which provided none of the information which I asked for and they continue to call my phone repeatedly and send emails when Ive asked them for contact via mail only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Loan Payments : XX/XX/2023, {$1000.00} Principal Only not applied as requested, the interest of {$130.00} shows as reversed. Yet they seem to apply more daily compound interest for the next several days. 

XX/XX/2023, {$10000.00} Principal Only not applied as requested, the interest of {$17.00} was captured when requested to be reversed it has not been applied to date and again daily compounded interest is being captured by the bank. 

I have spoken to the Bank on several occasions and they have not corrected the interest charged for these payments every attempt I have made has not worked so I informed them I would be filing a complaint and seeking a reward of the interest and possibly more based on their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: T.S. Holdings
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had my wallet stolen at XXXX with all my identification and information. I have reached out to this company several times trying to dispute this. This eviction has caused me not to be able to get a decent place to stay for my family. I have lived in shelters, low income housing that's rat infested, and jumped from family to family house.They sent me a letter stating that the debt will be XXXX to settle. When I checked my report it went up to XXXX. When I called about this debt the lady was very rude. She hung up in my face several times and told me that it will keep going up if it's not paid. I have contacted this company from XXXXpresent. I have every letter and signature from this company I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Synovus Bank
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have made 2 attempts to pay my credit card on XX/XX/XXXX and XX/XX/XXXX, through the company 's app. weeks apart. In both occasions there were funds in my account even if it did take 3 business days to process, funds were there. I have received o notice on the app that both payments were being processed. Then I received a negative remark on my credit that I did not pay. When calling the bank, they stated there were no attempts. When I called first progress they disclosed that they had no control over the app at all which is false advertisement. I am trusting that this app should take the money out when reported to do so and report accurately to the credit bureaus. Making payments with this company is extremely hard and its a deformation of my character to say that I have not pain when in fact I have the receipts ( from the app ) that says otherwise. They are not taking the money out when they need too and processing time is too long, and they are lying on when they attempted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: PNC Bank N.A.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX, initiated settlement on a equity loan account ( House in lien for this account was foreclosed on XXXX ) with PNC Bank thru PNC loss and mitigation ( LM ). 
As of XX/XX/XXXX, all application and documents were filed. It was confirmed by LM and confirmed that the account will be stopped and closed. 
As of XX/XX/XXXX, settlement offer was received from PNC. All payment was made as of XX/XX/XXXX and on XX/XX/XXXX, received official letter from bank on receipt of payment and settlement in full with bank ( document available ). 

However, on my credit report from all three credit bureaus were showing as from XXXX XXXX to XXXX. XXXX as " Late Payment '' and from XXXX to XX/XX/XXXX as " Charge Off ''. 

I tried first to talk to bank on this wrong credit report, but they would just keep transferring me to different departments, not willing to work with me. 

Then, I filed dispute this first thru XXXX and XXXX corrected all these incorrect information after reviewing my dispute and filed documents. 
Afterwards, I filed dispute with XXXX, but XXXX agent is saying even though all information is clearly showing it was incorrect, they need to keep it because that is what the bank says it is. I haven't received any results from XXXX, yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While on assignment in XXXX XXXX Pennsylvania, XXXX XXXX 
I received a phone call from a lady claiming to be a representative of XXXX XXXX. Representative asked me some questions I refused to answer, on my lunch break I returned call to XXXX XXXX. 
Apparently, credit card was stolen and fraudulent user went over credit limit. There were purchases made but I was told and assured that I would not be charged nor held accountable for any merchandise charged. 
Years later XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX representing XXXX XXXX XXXX credit card stating I owe ( {$1100.00} ).

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 2023-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
Hi there, on my credit report, XXXX shows that I have an open dispute with Capital One for an account that has a XXXX balance. When I call XXXX they say that there is a flag from Capital One is why they can't remove it instantly and that they have to open a dispute in order for Capital One to remove it. Can someone please help me? I am in the closing phase of purchasing a home and this is hindering the process please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD
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 had a free community business checking account with XXXXXXXX XXXX XXXX XXXX was purchased but First National Bank. I was told everything would stay the same with my free business checking account. First National set my account up as a Non-Profit Checking account and has charged me monthly for this account. I have called my local office as well as the main office to try to get this fixed. Every time I am told that they will make a change and credit me back the charges. I have been calling monthly for 9 months, this is when they started charging me {$12.00} per month for the Non-Profit account that I never signed up for. I don't have a non-profit business. Each month, I believe that they are fixing the problem and I will see the credit but instead the charge hits my account again. Each month, I have to sit on the phone with them again and go through everything with someone else who promises me it will all be fixed and someone will follow up. The charges as of XX/XX/XXXX are {$120.00}, the {$12.00} per month has been taken from me starting XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: Affirm Holdings, Inc
State: MS
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: Problem with personal statement of dispute

Complaint:
have contacted affirm to get them to help me log into my account SO I CAN PAY MY BILL AND KEEP MY CREDIT RATING IN GOOD STANDING,,,,, PLEASE HELP ME,,, I CALLED THEM AND YOU CAN SEE IN THE FILE THAT I UP LOADED TO YOU,,, I CALLED THEM AND STILL CAN NOT LOG IN TO MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This people send letter about a medical debt i am requesting info and they no respond i attach here the info i need, this violate Hipaa law. Also this account is the same i received from another collector " XXXX '' and the account was removed after my complaint NOW you tried to do the same!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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 NOTICED INACCURATE INFORMATION ON MY CREDIT FILE AND I SENT IN SEVERAL DISPUTES, I NEVER RECEIVED A RESPONSE FROM ALL THREE CREDIT REPORTING AGENCIES REGARDING THE INVESTIGATIONS.

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 2023-06-01
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX XXXX XXXXXXXX I Withdrawal from my XXXX  account a XXXX tokens of Gala to my Binance account but they now say that money Lost because the token is old version but there's not any notice in the app, to specify wich kind of version they admitted and wich not, I was talking with costumer support and they send me a XXXX link. 
They should have the obligations to inform in app not in XXXX now I lost all funds because they even dont let the costumer to know about that information that in the app.

Company response to consumer: Closed with explanation