BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-15
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX and XX/XX/XXXX, I've contact Experian regarding an account that no longer belongs to me. Because of a divorce, the judge granted full responsibility of an Recreational Vehicle financed by XXXX XXXX XXXX  to my ex-husband. He was to be responsible for payments and management. I have submitted court documentation on multiple occasions to support that I no longer am liable for this account. I have submitted on 4 occasions, with no feedback regarding why they didn't remove the account or if they need additional information. When I attempted to contact XXXX XXXX XXXX, I was advised that I was no longer allowed to get information on the account. Then my exhusband claimed bankruptcy and claimed XXXX XXXX XXXX  in his chapter XXXX. Again, I tried to notify the bank that I was in disagreement with bankruptcy, and I was told that I no longer have responsibility to the RV. Our court paperwork, dictated we were not allowed to claim bankruptcy on martial debt, but somehow there was a loophole because he was granted full responsibility of the vehicle ... ..So therefore, I should'nt be held responsible for his poor finances and his inability to pay.

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 2016-03-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In 2009, I went to XXXX XXXX in XXXX, NY for XXXX XXXX XXXX. One of the XXXX XXXX employees offered me an option to apply for a Care Credit credit card, in which it would pay for my loan and the card was also interest free. I was never advised of any other terms of the card. I accepted it and went through with the procedure. I continued to pay on my Care Credit account, with no late payments, until it was approximately half-way paid off. I then noticed my pay off balance had substantially increased. I contacted Care Credit via phone and they advised me that, since I did not pay off the entire balance during the " promotional period '' that all of the interest was applied back to my account. I was not made aware of this by XXXX XXXX nor Care Credit and I was completely taken off guard by their response. If I would have known then I would have certainly paid off my balance in that time period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Balance transfer

Complaint:
My identity was stolen to open a credit card with Barclays Bank Delaware. The app was approved via online and an immediate balance transfer was initiated. The problem is this balance transfer deposited into my active credit card. Therefore, Barclays bank deemed this transaction of balance transfer valid. However, my ID was stolen and used to open a credit card with Barclays ; this in itself is already ID theft, a fraud. The investigation by Barclays bank Fraud department is a joke. They do n't care about the pain and victimization of identity fraud. Their investigation is a disgrace to the protection of the consumer of identity fraud.

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 2015-08-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Other

Complaint:
I purchased XXXX ( XXXX ) items on XXXX and paid for them with my XXXX XXXX XXXX. About an hour later I received XXXX ( XXXX ) e-mails saying that each purchase had been rejected by the CC issuer. I called XXXX for an explanation. I was told all they knew was that the charges had been rejected and they connected me to Synchrony Bank personnel. Synchrony Bank told me that my account had been CLOSED. When I asked why, I was told I had not used the card in a while. When I asked why I was not notified about the pending closure, the agent was silent. I was told the account could not be reopened, but that I could apply again for a card. I asked for a supervisor and was told none were working now and to call back in the morning. When I called back in the morning, I was greeted by a computer and asked several questions. The computer then told me that my account balance was XXXX. Apparently the computer knows that I have an account! When I finally got to an agent, I was told supervisors do n't work on Sundays and to call back Monday morning. 
In all the credit card agreements I have reviewed, not XXXX contained a requirement to purchase a good or service within a specific time period. While they list several reasons to terminate an account, failure to charge something on the account is not XXXX of them. Additionally, the agreements require that the cardholder be notified of a pending adverse action. As such, my account should NOT have been closed and I should not have suffered the indignity of having a purchase refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
We have had repeated robocalls from Synchrony in regards to a supposed JCPenney credit card collection. The number they are calling from is XXXX. I contacted JCPenny chat with that information and informed them to stop or I would report them. It has been three days and the calls have quadruapled with no messages now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The company XXXX XXXX has filed a lawsuit against me, after that the original creditor GE capital has investigated this identity theft and dismissed all debt, The collection company was contacted by GE capital and informed to cease-and-desist, The bad debt was bought back from XXXX by GE capital, yet XXXX is still trying to collect on the debt they no longer own and also has been found to be under identity theft and has been investigated, I have giving copies letters from the original creditor to XXXX attorneys and the attorneys still persist on suing me for debt that they do not own and have been told that it is under identity theft, also copies of the FTC identity theft reports and police reports and they still ignore that this has been found to be identity theft. I have spoken with GE capital the original creditor and they are going to resend all their letters to XXXX. Not only am I being sued for debt that I do not own and that debt that XXXX does not own but this is also in my credit reports in which they refuse to remove from my credit in which is stopping me from buying a home. I have paperwork with GE capital 's account numbers and XXXX account numbers on the same letterhead from XXXX XXXX I have also brought this to light and that this was dismissed By letter from GE capitol. Please any help with this would be appreciated.

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 2023-07-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 


XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to purchase a short-sale property with this company since XXXX of XXXX. They keep messing up the paperwork. They aren't making this a priority. They keep saying 24 hours, yet it has been months. I'm a first-time buyer, and this company hasn't made it a happy experience. They gave a date of XX/XX/XXXX, but I still haven't closed. My information is just sitting in underwriting because this company keeps dropping the ball. I have all the emails of the lady XXXX not responding to emails as well.

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 2020-03-13
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transworld Systems is reporting on my credit report debts I never knew I owed. I never received any notices giving me the opportunity to dispute the validity of the debts, which is required by law before inputting a collection on my credit report. They have reported 5 different accounts on my credit report, without giving me the opportunity to  dispute. I'm suppose to have 30 days to dispute the validity of the debts and I check my credit report and see that they are reporting the collections on my report which is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My loan officer, at the time, XXXX XXXX lied to me over and over again and cost me time, money and XXXX homes. He kept lying about the numbers and when I called to report him ( I called over a 100 times ) no one would return my calls. He has since been terminated due to fraud, but they refuse to make me whole my waiving their origination fees. They also lost my personal paperwork. I had to submit documents 3 times over, the same ones and no one can tell me where they are. For all I know, XXXX took them when they left. Someone needs to look into the practice of this company because I think they would find that quite a few rules are being broken. They are also nonresponsive and I believe they drag their feet so they can find ways of weaseling more money out of you. They also keep changing my numbers. My closing went from XXXX to XXXX in a matter of hours because they allegedly left things off. I ca n't trust a word they say but I 'm in escrow and ca n't afford to change lenders. They also lied to me about what I would need to secure the loan. After XXXX was fired they told me I would have to jump through so many more hoops that they did n't initially tell me about. At XXXX point they lied about the kind of loan I could receive and I had to pull out of a contract for a own because a week after signing the contract they call me and say we do n't off those types of loans anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I called Transunion and spoke to their customer service. They would not help and take care of the negative inquiries reporting to my credit report. I have been a victim of inquiries issues. Spoke to Transunion and asked them what due diligence they do on their parts to verify that whatever the creditors are reporting to them is valid and they blatantly told me that they dont do any due diligence and that whatever the creditors report to them they assume is true. I have four inquiries that I need removed because those inquiries were not valid. 

XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 Informative XX/XX/2019 Thank you in advance

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 2022-03-23
Company: Ability Recovery Services, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ability Recovery Services is attempting to collect {$1800.00} from me for the school XXXX XXXX for a high schooXXXX diploma program opened in XXXX. I graduated high school in XXXX, college in XXXX. I never enrolled in any high school programs with XXXX XXXX nor would have any reason to being that I am not a high school student. I have filed a debt verification request with them and they returned the info to me. This included incorrect information and this debt does not belong to me. This is ridiculous and its effecting my ability to purchase a house.

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 2022-07-18
Company: Early Warning Services, LLC
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:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: CA
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:
My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Also, this item isn't mine please remove it : XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid by the insurance to XXXX Hospital Please remove it from my credit it should have never being reported it was paid by the insurance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The Debt Company Withdrew Funds From My Account Without My Consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: CMRE Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They filed a credit report with Transunion. The medical provider never sent me a bill nor did I receive anything from CRME Financial. When I called CRME to get my " account '' information they did not even have anything in their system! How can they file against my credit and not even have my 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 2022-03-23
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: Old information reappears or never goes away

Complaint:
An account that was previously deleted from my consumer report has just been reinserted. There should have been a full reinvestigation before this reinsertion. According to 15 usc 1681i a consumer reporting agency must provide me with something in writing at my home address within 5 days that a file is being reinstated on my account. Furthermore, you must also communicate who you spoke with to verify this reinsertion. 

Account : 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 2020-03-13
Company: First Technology Federal Credit Union
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
First tech federal credit Union is reporting 2 charges totaling {$52.00}. We contacted them to report that was fraud and they said because we did not report within 60 days they can not remove the charge. I called in early XXXX and they said no balance remained and lied to me about the charges. I had them go back and listen to call and they are not acknowledging our conversation and did not record notes about our phone call. I believe they are hiding and trying to pass on the triad instead of closing the card. They are creating a moral hazard of my credit number being used without our permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
They called at night, I explained that because of my work schedule calling at XXXX was inappropriate. They said it was a business matter. I told them to call during business hours, because of my work schedule I am home during normal business hours. I asked them to document that I asked them to call during business hours, XXXX times. Then I sent a letter. Tonight I got a call and had to ask the caller their name XXXX times, they finally asked me why I need their name, I told them I want it for my records, I was told their name is XXXX. I explained AGAIN about business hours and the letter sent. They said they 'd get a supervisor. They put me on hold then came back and said their supervisor says they are allowed to call at XXXX but they can note the account to call at XXXX. I said, no, business hours. You said it 's a business matter, call during business matters, I was again ignored. They do n't care about when they call, and yes XXXX is cheating, you can call legally UNTIL XXXX and when I requested they not, more than once AND sent a letter, they still did n't heed any of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Firstsource Business Process Services, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On XXXX XXXX, 2016, I mailed a letter to Firstsource Advantage requesting how to contact me. I informed them in writing to only contact me by mail. The letter was received by them on XXXX XXXX, 2016. Today, XXXX XXXX, 2016, they called my mobile phone number at XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Phoenix Health Care Management Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I continue to receive calls at work and at home from a company asking me for my birthday and SS # prior to verifying who they are. When I refuse to provide this information to anyone over the phone, the caller will tell me that I owe a debt but they will not tell me to whom or how much. I will not provide any personal information or financial information to anyone over the phone and the person or person 's calling will not disclose this to me. The only information they will disclose is where they are calling from. With repeated calls to my place of business AND at home, I am now forced to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On two different occasions the day after I received my deposit from the government someone went and pulled out the remaining money that was on my card outside from the automatic bill payments which usually leaves me around XXXX to XXXX dollars from two different banks and not the normal bank I go every month to withdraw funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23
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: Old information reappears or never goes away

Complaint:
An account that was previously deleted from my consumer report has just been reinserted. There should have been a full reinvestigation before this reinsertion. According to 15 usc 1681i a consumer reporting agency must provide me with something in writing at my home address within 5 days that a file is being reinstated on my account. Furthermore, you must also communicate who you spoke with to verify this reinsertion. 

Account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation