BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-15
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have been constantly harassed over the phone after I asked not to contact me in Reference the debt, I asked him to verify the debt because I do n't owe NCB the collection agency anything, they have reported the last payment date is incorrect the amount I owed the debt is incorrect, the company they representing I never owed that company, I did n't give them authority to report this inaccurate info to the credit Bureaus. please verify my debt, please verify date last payment made, and the correct amount owed. also I did n't miss any payments on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: U.S. BANCORP
State: MN
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, ELAN FINANCIAL add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by 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 2016-04-25
Company: Shellpoint Partners, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
NOTICE this attorney is indirectly engaged in a illegal debt collection action and identity theft. I am the consumer creditor as defined in 15 usc 1692 A3, 1692 A4. The company is in violation of federal law including a communication issue, 1692C a-c, and failing to obtain prior consent nor expressed permission to communicate about alleged debt, after filing complaint with CFPB, a cease and desist, and notice of dispute to this entity and the entity XXXX XXXX XXXX. and representatives. Shell point Mortgage Servicing responded that the account will be updated to cease. However your documents with the register of deeds is another violation of Federal Law 1692D 1,2,3. I am a victim of Identity Theft, and your company and others have use unauthorized information to report and open accounts. I demand you withdraw your documents and in 7days obtain sworn, under penalty of perjury, verification and validation of the alleged debt1692G a, b, or the consumer will presume that 1692C c-1 has been invoked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
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: Account information incorrect

Complaint:
I've disputed several inaccuracies on my credit report with dispute letter dated XX/XX/2020 to Experian for the account XXXX XXXX XXXX that's being reported on my credit profile. Experian responded back to me stating the company that reported the information has certified to Experian that the information is accurate. I am filing a complaint on Experian and XXXX XXXX XXXX for the inaccurate information reported on my credit profile which is highly damaging to my credit score. Because of the inaccurate information reported I would like for the item XXXX XXXX XXXX be deleted per FCRA. 

In the dispute letter I also asked Experian to disclose all information to me in my consumer file clearly and accurately per Section 609 ( a ) ( 1 ) of the FCRA without any truncates of my account number and social security number. Experian have failed to do so as I 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 explanation
Consumer complaint received 2016-09-14
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Credence Resource Management at XXXX XXXX XXXX, XXXX XXXX in XXXX, TX XXXX has been sending me collection notices. This company states that they represent XXXX XXXX XXXX and that I owe {$980.00} toward trip/account number XXXX. I paid this amount in full to XXXX XXXX XXXX by check on XXXX XXXX, 2015. This check cleared my bank on XXXX XXXX, 2015, however, Credence Resource Management has refused to acknowledge this payment with XXXX XXXX XXXX. This collection company was sent XXXX written notices by me. The XXXX written notice was sent by regular mail on XXXX XXXX, 2015 and XXXX notice was sent by certified mail on XXXX XXXX, 2015. XXXX notices informed this company that XXXX XXXX XXXX has been paid and they continue to send me collection notices.

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 2015-06-13
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A.R.M. Solutions Inc. has attempted to collect a debt on behalf of The XXXX XXXX ( newspaper ) for an alleged charge I never agreed to. I contacted both A.R.M. ( the collection agency ) and XXXX XXXX XXXX. Both agreed to stop calling, but neither offered to clear the erroneous charge from my record without written follow-up from me, which I believe is unnecessary since there is nothing in either of their files to substantiate that the debt was rightfully charged in the first place. I believe both companies should be warned or charged for both fraudulently originating charges as well as aggressively attempting to collect on such charges, and finally for not promptly and simply taking action to remove the erroneous information from their tracking systems without undue burden on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: CDI Affiliated Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX sent my bill to CDI AFFILIATED services for {$51.00}. I have a co-pay every time I see the dr and that MUST be paid before I see the dr . They schedule extra services " after '' insurance is verified that I will not have an out of pocket expense. The Dr. changed insurance payment and I never received an invoice. I continue to see the Dr. and was never advised I had a past due amount. I called their office and they advised since the changed insurance payment carriers they have no record. I looked at all my EOB and there is not one statement that shows I might have an out of pocket expense. Why would I go to a dr. and not pay the amount I owe? This appeared on my credit with no notice, no letter, no phone call XXXX 2015. I only came to realize this when I attempted to refinance my house and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: Applied Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received a couple of letters from " Applied Business Services, Inc '' claiming they are a " Security Collection Agency '' that is stepping in to secure medical payments for XXXX XXXX Urgent Care from me. 

I do n't believe these letters are legit, because the Urgent Care I visited has my credit card information on file, and I have never received a bill from them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XX/XX/2020 I made a mobile deposit of {$2000.00}. This is a normal process for me as I make this type of deposit on a regular basis. As days went by the bills I had scheduled to pay online started to be returned to me as well as my collecting of overdraft fees. I finally called the bank today and was told that due to this time of year the fraud team is holding onto mobile deposits longer than normal this leading to these bill pay issues. I was never warned about this and, as I mentioned, never had this issue before. So now I'm told that the only way I can get my money is to bring a copy of the check to a branch manager and hope that he/she will clear it. That or wait until XXXX XXXX for it to clear. Again, this has never been the case before. So, not only am I losing money to overdraft fees but TD Bank is holding my paycheck hostage and I can't buy presents for my children for XXXX until they decide to release it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my 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 explanation
Consumer complaint received 2017-01-26
Company: Servis One, Inc., Titusville, PA Branch
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BSI Financial, my loan services, notified me in XXXX, XXXX about a change in my escrow servicing. They figured my taxes wrong, by nearly {$650.00}. I notified them immediately about their error, with paperwork from my city clerk. The process to straighten out this error has taken over 6 months. Over those months, I continued making my regular mortgage payment of {$800.00} ( vs their suggested payment of {$730.00} based on their escrow analysis ) They notified me of a mortgage shortage of {$410.00} in XXXX XXXX. Which I paid. The amount they are now saying is due is {$840.00}. None of this adds up. They are selling my loan, effective XXXX XXXX. I want the new servicing company to get a clean, well calculated escrow amount and I am highly doubtful this will happen.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
In XX/XX/XXXX I applied for a Lowe 's credit card to pay for a renovation. The card was to be without interest for XXXX months. I never received the initial credit card from Lowe's/Synchrony Bank, XXXX XXXX XXXX, XXXX, Ga XXXX and a XXXX card was sent to me. I began receiving statements for the XXXX card however I was being charged interest. When I advised them of this problem they began transferring interest charges from the old card to the new card. In XX/XX/XXXX they said my balance was {$12000.00}. I calculated my balance to be {$10000.00}. I would crack quested that they give me a payoff amount and they said my payoff amount was {$12000.00}. I contacted them and asked them to tell me why my balance was that amount. They did not reply and I felt I did not have to pay the monthly charge that they were asking because the balance was incorrect. My monthly payment for XXXX was {$230.00} Which should have not have been that high. I did not pay the {$230.00} and now they are asking for a minimum payment of {$490.00} and charging me {$100.00} on interest and {$25.00} in fees. I want to pay off the entire balance of this credit card and I feel that they are not cooperating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-20
Company: M.A.R.S., Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never signed a lease with XXXX nor their management company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
transunion,, XXXX. 
XXXX.. 
All are reporting different things on my credit reports I tried to dispute but they won't dispute these things on my credit reports, I informed them that I am not aware of these accounts and have no knowledge And they still are showing on my reports.

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 2017-04-30
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: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX   XXXX ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX  there was an individual inquiry on my credit report for a car loan that I did not authorize or approve of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was supposed to receive a {$200.00} credit for opening a new checking account. I met all requirements stated in flyer. Its been over 10 weeks and no credit has been made. US BANK is lying to consumers to get them to open an account with direct deposits. This is so unfornate and i hope they get sued for false advertising

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 2017-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card
Issue: Billing disputes

Complaint:
In reviewing my billing statement for the period of XXXX XXXX 2017 thru XXXX XXXX 2017, I noticed that my Interest Charge Calculation that my " Average Daily Balance '' was over {$400.00} greater than my credit limit. I called Capital One and no one could explain that to me. I have the statement and I do not dispute the charges but I do dispute the Average Daly Balance. My Balance started at {$2400.00} and ended {$3600.00} for a average dally balance of {$2900.00}, That is simple math. If the company is skewing the ADB of all its card holder to the right by a {$1000.00} it is defrauding the cardholders a hole lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I requested validation of the debt from Sim Agency Inc on XXXX/XXXX/2016. Collector has not responded with any information regarding validity of thisdebt. I do not believe this debit is mint. Account # XXXX & XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: SYNCHRONY FINANCIAL
State: CO
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Synchrony Bank is not sending XXXX closed XXXX account moneys to Trustee of a deceased account owner. Bank told me, the Trustee, that the forms would first be sent via mail. When nothing was received I was told by the supervisor that they would be XXXX to me. 5 days later I called and they told me an account number was written incorrectly therefore the bank could not send the forms, nor was I notified by them. I was assured during that conversation by the Supervisor of the supervisors that the forms would be send XXXX and this time would have a return XXXX envelope to expedite the return from me. Today is the XXXX day and I have received nothing. I have a call in to them but there has been no return call. This bank is very untrustworthy and misleading I am now having to contact legal help to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I bought a house in XXXX, refinanced at {$320000.00} with Cardinal Financial in XXXX. Assessed value was {$340000.00}. Made improvements to the house that resulted in a higher value. Cardinal Financial sent out an appraiser on my cost. The appraisal came back at {$400000.00}. Cardinal Financial has in their eligibility criteria a minimum seasoning requirement that is waived if improvements are made resulting in a higher appraisal value. They are now refusing to waive the seasoning with the excuse " How do we know the improvements resulted in the higher appraisal? ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling 2-4 times in an hour. They will call from the same number twice, then call from other lines. I have told them over the phone this number is a work number and I can not receive so many calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My BP Bisa/ Syncb credit card has been turned down numerous times none of which involved nonpayment or credit history. I called in today XXXX/XXXX/16 and gave them all of my information that they requested and they said they needed to send me an identity code to verify my identity and they needed a cell phone number. My cell was in my car and not with me so I secured it and called back. They sent a code to my cell and when they then said that they could n't verify it even though they had sent it to me. This same thing happened before with Sycrony Bank with my Sam 's club card. This bank ca n't get anything right. Now I have to wait 7-10 days to get a letter with a new code on it and I 'll bet it still wo n't work. I intend to terminate all my credit cards that are administered by Syncrony bank a I can not trust them to do anything right. Last summer I bought a new laptop computer at one of the large electronic stores and charged it on my Sam 's card through Syncrony. That charge went through and I then purchased some software for it in a separate transaction and they refused it. When I finally got through to Syncrony they said that my purchase of the software was an unusual purchase and that 's why they refused the charge. Duh! They let the charge for the computer ( {$1500.00} ) go through but refused the {$35.00} charge! What idiots.

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 2017-02-15
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card
Issue: Credit determination

Complaint:
In XXXX 2016, I called my credit card provider, Barclays. I requested a credit increase in order to cover charges for my mother 's funeral. I was asked to informally state my annual household income. I told the woman {$XXXX}, which is about the same has it has been for the past 2-3 years. I was told my request was denied, without any reason why. I later received a letter stating that the request was denied because I reported my income was {$XXXX}. The woman either did not hear me or made a typo in submitting the request, leaving {$XXXX} off our annual income. This is solely based on Barclays error. I have repeatedly contacted Barclays about fixing this. After being routed through several departments over several days, on multiple occasions, I am told it is my responsibility to contest BARCLAYS ' MISTAKE with the credit bureaus by providing proof of income, tax returns, and more. Since then, my credit score, as well as my wife 's credit score, has been reduced by XXXX points. All of this based on an informal request for my income. Why is it our responsibility to correct this, when it is unquestionably Barclays ' mistake, and Barclays refuses to do anything?!?

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 2020-12-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Filed a dispute for unauthorized inquiries made on XX/XX/2019 only got back a update of them. I am very disappointed in this matter.

Company response to consumer: Closed with explanation