BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My wallet was stolen and an individual named XXXX XXXX tried to buy a car using my information as well as his. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, ran my credit through XXXX different banks trying to get a loan for this individual without my consent or me being there on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card
Issue: Other

Complaint:
I started to receive calls from XXXX. I called back got a recording " XXXX attempting to collect a debt. '' I have not been 30 days past due on anything nor received notices. Finally got a Rep on the line. First thing she mumbled her name, recording, Synchrony Bank, and this was attempt to collect a debt. The XXXX immediately requested my SSN on to which I refused. After great difficulty it was determined they were a bank backing XXXX XXXX XXXX credit card. That it was a bank not collection agency. They started calling because I had missed my XXXX/XXXX/2016 min. payment. She insisted I was 34 days late. Noted that she did not know the Credit Card XXXX or much about XXXX. She did finally agree to put my complaint in the tracker as mandated by XXXX XXXX. There was a very frustrating conversation where in which I requested to speak to a supervisor. After calling back I spoke with XXXX XXXX who confirmed that it was bank not a collection agency, and that I was not technically 30+ days late as the previous rep had insisted. I told him that I agreed I had missed my due date. By getting phone calls prior to even being 20 days late I consider to be somewhat harassing. It was concluded that he too did not completely know about the Card Act, XXXX, or other XXXX. I asked him to also enter the call into to their complaint tracker which he said it was already. I then advised him that I would be issuing my own complaint. I am attaching the credit card statements. On to which it states I needed to pay the full amount ( which included the past due amount ) by the next XXXX. Since the account was not 30+ days past the due date and late amount was now expected by the next due date, these phone calls were unwarranted. Also, Synchrony Bank used the tactic of " attempting to collect a debt '' was deceptive in trying to threaten me into making a payment although I now know it clearly reflects I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$220.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-26
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
i purchased my home in  XXXX   XXXX  which was financed through  Homebridge  with a VA mortgage. Initially my piti payment was  XXXX  then in  XXXX  after escrow analysis my payment went up to  XXXX  now again in  XXXX  they have increase my  PITI  p to  XXXX . This is an extra  XXXX . / year they are collecting from us now when our property taxes have only increased by {$1500.00}. I have called HomeBridge several times during this month -  XXXX   XXXX  - for a response to why they have increased our payment so much. They sent us another projected escrow analysis which is not even correct. no one will call y ou back from the escrow department and customer service department can not transfer you to anyone to discuss either. This is a serious financial hardship for a family of a  XXXX  vet when you purchase a home with a fixed rate mortgage and you are being over charged for your escrow with your monthly mortgage payment increasing {$450.00} over 18 months and No One will discuss this with you to verify why. I am reaching out for some assistance and to have our escrow reassessed so we have a more accurate monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NM XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXXXXXX XXXX XXXXXXXX : {$700.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} 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 2015-12-07
Company: Quality Loan Service Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Guild Mortgage Company LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have made many attempts to make payments to my mortgage company. However, there is such a long hold time during business hours that I can not stay on hold while at work. I risk losing my job. When I am finally able to get ahold of the company to take my payment, they REFUSE to take it. They tell me I have to pay with certified funds the full amount to be current. I have the full amount, but can not pay them in certified funds via XXXX XXXX as they demand because Guild Mortgage only allows for payments up to XXXX via XXXX XXXX. I'm also unable to access cash. I offered to do an ACH, wire transfer, or even electronic check. They refused all funds except cash, which is impossible. Since when can a mortgage company refuse payment? I've never had a payment returned. They won't allow you to make payments online after hours if you're even one day late. They remove your ability to do so. This lender knows that the value of my house surpasses the mortgage by 200 % so I believe they're trying to force me into foreclosure. These predatory practices after covid are far more prevalent than people think they are. Guild Mortgage refuses to take payments in full from borrowers.

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 2022-07-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed addresses on experian and it came back as veified. that's not true the information at XXXX south XXXX XXXX is incorrect.

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 2015-11-16
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Other fee

Complaint:
I have promotional ( no interest for 6 months ) balances on a Care Credit card. I have paid extra to be sure that the non-promotional balances ( {$120.00} from XXXX/XXXX/2015 ) was paid in full. However, I have been accruing a 'minimum interest charge ' for the non-promotional balance for the last couple months. I did a chat with a representative from the company who reports they applied my payments as required by law. The law states that the highest interest rate needs to be paid off first - all of my charges are at the same interest rate, only the non-promotional charge is actually accruing interest at this time, so it appears my payments should have been applied there first. The representative with whom I chatted reports that she changed the way previous payment ( s ) were applied, but no charges were reversed. I would like to see the charges reversed, if possible, and for the company to not to this to anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX Balance : {$0.00} Bankruptcy XXXX  XXXXXXXX  Reference # : XXXX Bankruptcy : XXXX  XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/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 2017-10-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent three certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 

2. Failed to provide copy of the original contact bearing my signature. 

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 2017-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/XXXX & XX/XX/XXXX I sent letters to all three credit bureaus asking for them to investigate multiple fraudulent accounts on my credit reports as I have been a victim of identity theft. In addition, I sent them a copy of my police report from when this theft initially occured to verify my statement. These accounts show different addresses other than my own where I have resided as well as different social security numbers other than my own, I am aware of this information because when I called these companies myself they were unable to verify me by the information that I give which is my natural information ( D.O.B and or Social Security Number or Address ) other than my name. They would say that this is not the information that they have on file and say that they can not discuss the account with me yet these accounts appear on my reports. 
The only thing that has been done is the police report has been uploaded to my file and nothing else. No investingation, no accounts have been removed. These accounts are effecting my credit score tremendously and my letters are being completely ignored. Not to mention that they also have an old tax lien on my report that has been settled for sometime that I also sent them documentation of. My credit report is not locked as it should be ( with the exception of XXXX and that was due to their data breach and not my police report and identity theft ), when I speak to the representantives about this feature they say that I am not eligible for it unless I pay for it. When I know that I am because I was told previously that I needed to have a police report on file to qualify ( transunion ). 
They continue to re-report these same accounts overwhich is continually effecting my score in a negative way. So I am now constantly being victimized except now this time by the Credit Bureaus as well as the people who stole and sold my 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 explanation
Consumer complaint received 2016-08-17
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
In XXXX of this year my account was paid in full by the card security that I was paying monthly for on my Amazon store card. After that occurred they lowered my limit to {$100.00} and I have not used that account or anything since that time. I went online today to speak to someone through their chat line to find out if by chance they could increase the limit as {$100.00} was nothing to spend on their site, there major feature Amazon Prime is {$99.00} a year and that would have made up the whole available limit that shows available to me to spend as the pdf shows under my account on Amazon Store Card. When the agent looked into the account she stated the account was closed due to a management decision and that I was sent a letter which I never have received. I feel that this company is ripping people off by advertising and wanting customers to pay for the card security but once they have to use that card security that is supposed to help their account then they lower the limit where the customer can not purchase anything and then cancel the account without even notifying the customer or showing as closed online ( again as evidenced by the .pdf of my account page that was taken just today on XXXX/XXXX/2016 ) which plainly shows I have a {$100.00} available to spend. I feel this company is practicing both illegal and unethical practices by penalizing and even closing customers accounts after they " have '' to use their account protection due to whatever reasons ( job less, medical, XXXX ). And this can be viewed just by doing a quick google search and you will see how I am not the only customer this has occurred to. Even the debt cancellation letter they sent showing where the amount was paid never mentioned they were dropping the credit limit or even closing the 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 2015-09-09
Company: Kirschenbaum & Phillips P.C
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
After defaulting on a home improvement loan from XXXX ( XXXX ), I entered into debt collection with Kirschenbaum , Phillips & Levy , P.C . ( KPLPC ). It was arranged to deduct $ XXXX/month from my checking to pay the ~ {$5000.00} remainding balance. As of XXXX 2015, I finished paying the debt with a remaining balance of {$210.00}. However, KPLPC, for some reason, deducted {$400.00} from me in XXXX and XXXX. 
After discovering the deductions, I called KPLPC in late XXXX to ask what was happening. On the initial call, they claimed not to know. On subsequent calls, they noted an error and stated they were in touch with XXXX and would resolve the issue. At this time, I was still getting " bills '' from XXXX, stating my balance was at - {$800.00}, indicating to me, the balance was paid and sent to XXXX. 
Come XX/XX/XXXX, I still had not had the issue resolved by KPLPC. I spoke with managers XXXX XXXX and XXXX XXXX on numerous occasions to be told the issue was being handled and a check would be sent, and to call back early XXXX. 
Come XXXX XXXX, no resolution. At this point, XXXX sent a new " bill '' saying I owed {$78.00} for lawyer fees and the prior - {$800.00} was gone due to " adjustment payments ''. I contacted XXXX directly to ask what was happening. XXXX claimed they were in contact with KPLPC, and the amount was ACTUALLY {$1200.00} THEY DEDUCTED FROM ME. XXXX also claimed they sent the money back to KPLPC. I emailed and called KPLPC with this information and got this in return from XXXX XXXX - " I was able to talk to XXXX this afternoon. They asked that you communicate directly with them and for me to direct you to their office. They again gave me XXXX to give to you and they asked that you call them directly. I was also advised that they did not send any money back to our office. I am unsure where that part of the communication is coming from. Unfortunately this is all the information that I have. I hope you are able to speak to someone at XXXX that will be able to help you in regard to this matter. Thank you. " Since that email, sent on XXXX XXXX, I 've mainly been in contact with XXXX, but they are currently not being too responsive. When I called XXXX XXXX, they claimed they were still checking their accounts for the money and a resolution.

Company response to consumer: Closed with explanation