BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved an email in my junk files from a debt collection agency named Resurgent Captial Services in XXXX of XXXX stating that I was given a credit card with XXXX XXXX XXXX in XX/XX/XXXX and was closed on XX/XX/XXXX. They say the charge-off amount was {$440.00} and went up to {$600.00} with interest. I'm guessing that the debt collection agency added thier own interest because they say I owe a grand total of {$700.00}. I asked for a DEBT VALIDATION LETTER and which I recieved some sort of vague printout on XXXX XXXX and I responed with a DEBT VERIFICATION LETTER disputing the debt. I sent the letter via certified mail but made the mistake of not asking for a return receipt request. Resurgent sent me another printout and I once again sent a debt verification letter in XXXX of XXXX, this time with a return receipt request. From XXXX of XXXX to XXXX of XXXX it has been the same. I've also informed them of the STATUE OF LIMITATIONS involving the debt in question but they keep sending me the same printout. I sent a cease and desist letter in XXXX with another return receipt request and recieved yet another printout. By law they're supposed to either drop the case and move on or tell me what type of legal action they plan to take against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Billing statement

Complaint:
To buy a mattress, I opened an account with Synchrony Bank with an initial purchase of {$940.00} with the promise that it was a 0 % interest with 12 equal payments. That would be $ XXXX/mo. However, when I received the statement, it showed the minimum monthly payment as {$34.00}. If you read the fine print on the back, it appears that if I pay only $ XXXX/mo that I will be charged 29.99 % interest. Nowhere is shown the {$79.00} payment which would be required to avoid the exorbitant interest. This is very misleading and is, I believe, an unfair trade practice.

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 2020-06-17
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Newrez began servicing my mortgage XX/XX/2020. Ive had problems from the start. First they paid the wrong insurance company {$1800.00} I called them and made an online payment to escrow for {$1800.00} so they could pay the correct insurance company and waited to receive my refund for the cancelled insurance. 

On XX/XX/XXXX, XXXX I received notice that my hazard insurance had expired and they planned to buy insurance for my property. I again called them and gave my insurance company ( Foremost ) and policy number, XXXX. For some reason Newrez could not get the premium paid to XXXX but my insurance was still in effect. On XX/XX/2020 after receiving another request from XXXX for payment, I managed to get representatives from both companies together on a three way call. Finally, they got it straightened out. 

Newrez claimed nothing would change but the first thing they messed up was dropping the extra {$10.00} principle XXXX was processing. I decide to wait a couple of months and then add the extra back to my payment. I paid {$850.00} from XX/XX/XXXX thru XX/XX/2020. On XX/XX/XXXX they deducted {$990.00} and tell me that is my new payment. 

My hazard insurance is {$1400.00} per year, my taxes $ {$1500.00} for a total of {$3000.00} or {$250.00} per month necessary to pay both from my escrow account. They want a required cushion of {$500.00}. What law requires me to furnish them an interest free loan? 

My payment record and credit score should reassure them that the bills will get paid. After all, I paid the {$1800.00} to allow them the funds to pay XXXXXXXX. 

By my calculations, my new mortgage payment should be {$870.00} NOT {$990.00}. Thank for any assistance you can give 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 2022-07-24
Company: EQUIFAX, INC.
State: MI
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, 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 customer Reporting agency cannfurnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-12-23
Company: EQUIFAX, 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 status incorrect

Complaint:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXXXX not mine ATTORNEY GEN XXXX inaccurate/never late INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It's Portfolio Recovery Associates, they call on weekends and weekdays, 2-7 times weekly on different phone numbers occurring for months. Feel harassment amd invaded by company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: MI
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, 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 customer Reporting agency cannfurnish 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 2021-12-16
Company: EQUIFAX, INC.
State: CT
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 late XX/XX/2021, i Received a letter dated XX/XX/2021 from XXXX XXXX Claiming to represent XXXX XXXX XXXX XXXX. The letter alleged a debt which i do not owe. This collector is fraudulently attempting to collect debt I don't know by using coercive tactics. XXXX XXXX XXXX has reported the debt to the 3 major credit bureaus without giving me an opportunity to respond within 30 days. As i file this complaint the 30 day period which is required by the law for me to respond to the letter has still not elapsed yet. i have already sent a letter of dispute to XXXX XXXX XXXX XXXX, and attached copies to this complaint. Equifax is unlawfully reporting this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. Equifax is in gross violation of my rights as they have continually done in the past. 

XXXX AND XXXX HAVE DELETED THIS INACCURATE FROM MY CREDIT REPORT. EXQUIFAX ONCE AGAIN VIOLATES MY RIGHTS AND COSTS ME MORE IN INTEREST.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS OAG XXXX XXXX XXXX inaccurate/never late XXXX XXXX  XXXX XXXX not mine

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 2021-12-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2021 I discovered Synchrony Bank closed my " XXXX XXXX '' card and my " XXXX XXXX XXXX '' card. When I called and asked why they claimed they sent me a letter informing me they were closed, to the wrong address. And the reasons for closing my accounts were inaccurate. They said I had toolittle credit cards, I had 6. They said my rotational balances were too high, all cards had a {$0.00} balance, and they said lack of real estate on my credit report, which makes you wonder how I bought this new XXXXXXXX XXXX property where they obviously didn't know the address to, even though I changed it to be on file. The reasons they closed the cards is a lie and inaccurate. I have the same credit I did when they gave the cards several years ago and it hasn't changed. I had no real estate on my credit when they gave them to me originally, and now I own a XXXX XXXX farm that is clearly on my XXXX report. Not to mention my credit is better now than its ever been. I want to know why my cards were taken from me and my credit score affected by the removal of those cards without my permission. Companies can not make decisions that affect my credit without my permission unless my accounts are in collection, which they never were. I never missed a payment with either of these two cards and there was no reason to take them and get my credit score dropped behind inaccurate information. I know for a fact they never did a Hard Inquiry to my reports, because I monitor them. So how did they decide to take my cards, a soft inquiry? Those are not accurate.

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 2020-06-18
Company: Law Offices of Robert J. Colclough, III
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: Information belongs to someone else

Complaint:
I received an alert on XX/XX/2020 that a collection account was placed on my report. I have perfect credit with no blemishes. I have never heard of the company or the collection agency, which I have never heard from via written or voice communications. I had pervasive and repeated Identity Theft over the last few years, I sent Allied Collection Services of California the FTC Affadavit of ID Theft with a nortarized statement, and two police reports regarding the ID THeft, and told them it was urent. They didnt respond, and I called back to talk to a manager and they would not let me. They placed this on my XXXX XXXX and XXXX reports with no warning, no letter, no call. I provided all of the documentation at once proving it was fraud. I see many complaints about this companies practices so I need protection from having my credit ruined due to fraud. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My company banks with Chase. I mailed out a check for {$6000.00} to my vendor Check # XXXX. The Check was stolen out of the mail and mobile deposited into a XXXX XXXX  XXXX XXXX account. The name on the check is not the person that deposited it. I opened up a claim with my bank Chase on XX/XX/XXXX. On XX/XX/XXXX I received a letter that I need to provide more information. I filled out the paperwork and sent that in. Chase confirmed receipt on XX/XX/XXXX. Chase mailed a letter to me saying XXXXXXXX XXXX XXXX XXXX is responsible for repayment, it also said they have reached out to XXXX XXXX  to resolve. I called Chase several times between XX/XX/XXXX - XX/XX/XXXX and was told that XXXX XXXX  is not responding to any of the requests and they have until XX/XX/XXXX to respond. Chase sent a letter dated XX/XX/XXXX saying that the Chase is closed the claim due to XXXX XXXX  not responding, and that if I wanted to recover the money I would have to reach out to XXXX XXXX  XXXX XXXX. I reached out to XXXX XXXX  on the phone XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX Each time I am told that the fraud department would reach out to me. Not one time did they reach out. I started a claim at XXXX XXXX  XXXX XXXX I was told that the case was closed due to the fraud department did not respond to the customer service. XXXX XXXX  also says that they do not show any record of Chase reaching out ever for my claim. I was given an email that chase needs to send their request to XXXX I called chase on XX/XX/XXXX to let them know that I had had an email that they could request the information to. I also asked Chase to see what contact information they had for XXXX and was told they will not give me that information. Chase refused any further help and I was told they have taken all the proper channels of trying to contact XXXX XXXX  and there was nothing else the could do for me. Both Chase and XXXX are telling me that it is past the 90 days and they wont do anything. I filed a claim within the 90 days. both Chase and XXXX XXXX  failed to do their due diligence to rectify this banking mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provided me with the documents that the company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you

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 2020-06-17
Company: ECMC GROUP, INC.
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: Investigation took more than 30 days

Complaint:
I have filed a report in regards to the incorrect information on my credit report. It has been well over thirty days and I haven't received any investigation results.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original creditor : XXXX XXXX XXXX XXXX. 
Placed in collections by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Account number : XXXX Date : XX/XX/2020 Showing as an open account in violation of fair credit reporting act

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 2016-06-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Hello, This complaint is on TD Bank. Recently I noticed a charge on my credit card that I never authorized. The charge was for {$4900.00} from a company called In Compliance Services on the date of XXXX/XXXX/XXXX. I always pay my balance and usually review our books. Upon a closer look we noticed this charge and we have never given out our credit card number to a company like this. The first thing we did was try to find out why the charge was made, so we did some research on the company to find out who they were. We called the number we got off the internet and asked who they were and if they could give us some info on why they billed us. They told us that they did compliance services and they have no records of charging our card, but they could n't give our money back. The only thing I wanted to know was why I was charged and they gave me a very vague ambiguous answer. I was upset because not only did they take my money, they would n't tell me why. The next thing I did was call my credit card company. TD Bank. This first phone call was made on XXXX/XXXX/XXXX. TD Bank started a fraud investigation, and said that they would do the research and find out what was going on, and also that they would credit me back the money that was taken if they find out the charge was not good. They said the investigation would take XXXX10 business days. So I called them back on XXXX/XXXX/XXXX and at that point they asked me to send a affidavit claiming fraud. So I sent them a letter stating that I had no business with this company. I finally heard back from them about a month later and they said that since the charge happened 2 years ago that I was responsible. I asked them about their XXXX $ fraud liability, and they said that it did n't apply here. They made it seem like they did n't even do an investigation on this company. They had me send them an affidavit and they did n't even lift one finger to try to figure out why these people charged me! I did my own research and I found out that the fair credit and billing act said that I was protected from fraudulent charges and that if I was billed that the merchant should have to provide documents saying what they charged me for, an invoice, something. Anything! So I wrote TD Bank another letter that included these federal laws that I looked into. Again I was denied. I also asked them to resend the information for the denials so that I could attach it to this complaint. They said they would, but they never sent anything. So I feel like I was victimized by someone who got my credit card information and that the bank unfairly denied my claim without even looking into it. I was just given the run around, and I was n't protected by my bank against this fraud. My husband has served in the XXXX and I just feel like we were left out to dry by TD Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wife and I recently opened a joint checking account at Ally Bank and we've both had fraudulent charges on our debit cards ( with different account numbers ) that we've only used for ATM transactions, and we've now also had fraudulent charges on the replacement debit cards that were sent. Ally claims these charges are due to a Mastercard cybersecurity breach that occurred approximately one year ago, but their claim makes no sense as our accounts and debit cards are recent. 

There are numerous recent reports across social media of fraudulent charges on Ally customer debit cards. See, XXXX XXXX XXXX XXXXAllyBank/. I hereby request that the CFPB investigate this matter to determine whether Ally 's cybersecurity is at fault, and, if so, direct Ally to remedy the situation as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions 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:
Please investigate and remove fraud information which I listed in identity theft.

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 2022-07-24
Company: EQUIFAX, INC.
State: MI
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 MXXXX XXXX XXXX Account # 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 customer Reporting agency cannfurnish a account without my written instructions.

Company response to consumer: Closed with explanation