BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-15
Company: The CMI Group, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a phone call on XXXX/XXXX/2015 about a balance of n XXXX dollars that I owe from a Company by the name of XXXX XXXX ( cable service ) Acct # XXXX and I never lived at the address that was told to me and was told that the service was disconnected on XXXX/XXXX/2015. I 've never lived in that area before and now I live in the state of XXXX, but have lived in XXXX, but not XXXX where the cable business is located. I want to report this soIwant be responsible for something thats not me and someone has used my information without my knowledge.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Stoneleigh Recovery Associates LLC ( XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX continues to call and harass me over a supposed debt collection matter at my place of employment. I have informed them on more than one occasion that the number they are calling is a work number and that I can not accept these types of calls at work. I have pictures of phone log from this week with calls made to my work number every day this week. Today XXXX XXXX from Stoneleygh Recovery Associates XXXX called my work number and I again informed him not to call me at work, he continued harassing me saying that there was no other way to contact me and that he was attempting to collect a debt. Earlier this week someone from Stoneleigh Recovery Associates LLC spoke to my boss and informed him that they were calling looking for me to settle a debt I owed. Stoneleigh 's aggressive call tactics are harassing and have put my job in jeopardy. I was told at work that I can not receive these types of calls anymore. I have no other recourse than to file a complaint against them for repeatedly calling my place of employment after I have asked them not to and for threatening/intimidating me by providing private information about a personal debt matter to my boss at work. Stoneleigh Recovery Assets LLC is repeatedly contacting me at my place of employment after being told that my employer prohibits it. I have tried to call them after work on numerous occasions and can never reach anyone. I am concerned someone has my personal information that is not a legitimate company and will use my information illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
These are not my accounts, nor did I authorized these companies to run my credit report. 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 2017-04-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
TO Make the Story short I was Scammed by   XXXX   XXXX   XXXX   previously called   XXXX   XXXX   XXXX   located in NEW YORK who 's charged my upfront fees to Settle my credit card debit and kept my credit card in their possessions and charged my cards fraudulently and never paid my debit pls see Email attached As a result  American express credit cards  was charged off under my name and my SSN I kindly SETTLED those ACCOUNT to move forward in life and be happy and when i tried to apply f or american express card s i was disqualified and denied credit for CHARGE AND CREDIT TYPE of cards MY WIFE   XXXX   XXXX   XXXX   Add me as an Authorized user on her   XXXX   XXXX   XXXX   credit card for   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  CREDIT CARD FOR   XXXX   XXXX   XXXX   XXXX       Since she add me in  XXXX  and AMEX has BEEN ALWAYS DENYING CHARGES when i called in to discuss with them last  XXXX   XXXX  about some charges as an authorized USER and i told them she is my WIFE they did the following AFTER they IDENTIFIED ME ( SPOKED WITH  XXXX   )  from  Credit DEPARMTNET Transfe red her account to the Financial REVIEW TEAM within their CREDIT department Who Conducted a very RUDE Financial REVIEW / INVESTIGTION as we call it by  XXXX   XXXX  she asked about the growth income from our TAX RETURN but she DID NOT consider our TAX RETURN DOCUMENT because it SHOWS A HIGH GROWTH INCOME, and she chosen to call my BANK TO VERFY the Balance at that time on  tw  o accounts we use to PAY AMEX, th en she used the BEGINNING BALANCE of  XXXX  to put a limit on the account because they have a problem with me previously as  XXXX  EVEN THOUGH i SETTLED and cleared the issues A devastating Financial REVIEW was conducted asking personal QUESTION of Who 's own the COMPANY and the NATURE of Business and WHAT IS THE RELATIONSHIP TO   XXXX   XXXX   XXXX   With me   XXXX   XXXX   XXXX   Discrimination TOOK PLACE TOOK PLACE and unfair Decisions causing us inconvenience and   XXXX   XXXX    Supervisors Could not help except by saying your bank account have couple  XXXX  and not a  XXXX  the is why we limit you account you are no longer enjoying NO PRE SET LIMIT ANY MORE we STILL CHARGE YOU ANNUAL FEES {$170.00} WE CAN CANCEL YOU ANY TIME you CAN CANCEL AND WE GIVE YOU REFUND FOR ANNUAL FEES BUT JUST CANCEL   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have reason to believe that Marcus by Goldman Sachs is engaging in predatory lending. The reason for my beliefs is that I recieved a loan from them a couple of years ago. At the time they gave me the loan they did not tell me that they were going to charge me an outrageous amount for the interest. I have paid over {$5800.00} on a XXXX loan and I still owe them XXXX. I have communicate to them that I am having diffuculties making the payment they want of XXXX a month and instead been paying XXXX a month. The have retaliated by damaging my credit to the point of my credit being unfavorable. Can you please assist me with getting them to lower the interest on my loan and allowing me to pay XXXX month due to the pandemic. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, 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:
I Have been a victim of Identity Theft for a few years now. ( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
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:
These are not my accounts, nor did I authorized these companies to run my credit report. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: BorrowersFirst, Inc.
State: CA
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I applied for the Personal Loan two times and I was denied without getting the reason from the lender. It is the " Borrowersfirst '', who asked to provide all the verifications, and signed XXXX, then never called or sent any letter or email regarding the status of the applications. 
I have a feeling that these people are getting our confidential information and not helping us, but, who knows maybe will do bad thing to our credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disputing the following inaccuracies since early XX/XX/2020 which can viewed directly through the Consumer Financial Bureau from previous complaints I have submitted regarding this same issue. On XXXX XXXX the creditor XXXX XXXX XXXX the original creditor is XXXX XXXX XXXX. the reported account number that is shown in connection with this inaccuracy is # XXXX. This account was dismissed by a License California Judge court ordered dismissal yet they refused to remove this account on several occasions dating back to XXXX of 2020 when I first dispute this account the credit bureau will temporary remove the account off of my credit file and then weeks later add it back which I have proof of, They have done the same with other inaccurate accounts such as XXXX XXXX XXXX  which has been paid off since XXXX XXXX which I have provided the receipts proof of to the credit bureau once again they refuse to completely remove their inaccurate information provided on this account and keep it off of my account they will once again remove it for a couple of weeks and the add the inaccurate information back. Credit bureau has also reported XXXX XXXX  as a delinquent /closed account which is inaccurate I provided them with the proof of the paid off account several times via digital through the CFPB and by physical mail yet they refuse to remove this account as well since early XXXX of 2020 also temporary removing the inaccuracy just to add it back a couple of weeks later.

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 2021-01-09
Company: Navient Solutions, LLC.
State: AZ
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:
All 6 student loans accounts on XXXX is reporting a total DIFFERENT ACCOUNT NUMBER and BALANCE then XXXX. XX/XX/XXXX reporting XXXX '' on all 6 Dept Of ED/NAVIENT Accounts, which is very inconsistent from XX/XX/XXXX Record but also very unorganized and incorrect and not 100 percent accurate which is a violation. The same account on XXXX reporting a different account number of " XXXX " XXXX '' XXXX '' " XXXX '' " XXXX '' " XXXX '' These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure thats all information reported is consistent and most importantly accurate and you have failed to do so. Please Delete this erroneous account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An unauthorized transaction in the amount of {$6600.00} was made and 3 other thereafter totaling {$7000.00} more or less I emailed the fraud department and mentioned my account was being robbed right now and now today I'm still waiting for a credit for the money taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Data Line Credit Corp
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:
Since XXXX 2011 I send this collection company a certified letter requesting verification of the debt pursuant to Fair Debt Collection Practices Act 15 USC 1692g Section 809 ( b ). The company never responded and over the phone threatened to report negatively in my credit, which they have done since day one to this date. They have caused so much damage to me and my family with this bad credit markings, which arose another question as to private information, such as SSN, being public information. The property they are attempting to collect fees for was never legally mine and due to that I am not legally responsible for anything that happens with such property, thats just the law! I have tried numerous times to negotiate my release from any ties with them and even with certified documents that prove I was never the legal owner, they continue to harass me into paying or deal with their malicious consequences.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2015-09-07
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My wife and I have been called repeatedly by Lowe's/.Synchrony Bank by their XXXX call center. They stated we had not paid them since XXXX 2015. That is because our account has been paid off in full. The call center agent accused us of not paying our bills and even asked my wife, ( she is not the card holder ), if she paid her bills. I have spoken with XXXX of the call center reps when he threatened to turn us over to a collection agency. 
I would like to make other consumers aware that the Lowe 's Synchrony Bank demonstrates very poor business ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is wrong information from XXXX XXXX. I talked to that company, they fixed it, and sent me a letter and a draft ( that 's the clear for the bureau of credits ) and I explained that to Transunion and sent them copies of all of this on XXXX XXXX, XXXX, by certified mail, and 3 years later they have done nothing, negatively affecting my credit report. I resent it on XXXX XXXX, XXXX by certified and signature required mail SIGNED by XXXX XXXX in Transunion Pennsylvania. 
This is adversely affecting my credit report costing me MONEY and TIME and there is no way to make them understand that because when I call them I have someone answer overseas and they always transfer me to somebody else or give me a different number to call but my time does not have any value for them. Thanks guys for helping me with this situation and thank XXXX that we have somebody who can make these companies STOP THE ABUSE.

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: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
A social security number variation is showing on my Experian Report. It is not my social security number nor any that I have ever used. Because it is not mine I am not legally allowed to view the report.  It may be ne gative and I do not want it showing on my credit report indicating to creditors that it is an alternative that I have used. I do not have knowledge of this social security number and dispute its use in association to me.

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 2015-05-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Synchrony Bank ( Formerly GE Capital Retail Bank ) I 've notice XXXX charge off accounts on my credit file so I have disputed the information with all three credit report agency and they came back verified. I Then contacted Synchrony Bank ( Formerly GE Capital Retail Bank ) and I spoke to a Customer Service Representative named XXXX XXXX she would n't provide me with an employee ID. XXXX XXXX informed me that these synchrony/GEBank accounts do n't have any information on them that it was all sent to a collection agency. How did they investigate these accounts with the credit report agents without any documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Action Collection Agencies, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THESE 4 COLLECTION ACCOUNTS WERE WITH ANOTHER COLLECTION COMPANIES AND THEY DELETED DUE TO HIPPA VIOLATION AND NOW IT'S SOLD TO XXXX XXXX XXXX XXXX Charge-off {$490.00} XXXX XXXX XXXX XXXX Charge-off {$120.00} XXXX XXXX XXXX XXXX Charge-off {$100.00} XXXX XXXX XXXX XXXX Charge-off {$590.00} Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card
Issue: Transaction issue

Complaint:
I am writing to your agency because I am very upset the way my credit card company ( Capital One ) handled my claim. I disputed the charges of {$780.00} on XXXX/XXXX/2016, {$59.00} on XXXX/XXXX/2016 and {$59.00} on XXXX/XXXX/2016 made by this fraudulent company called XXXX on my card on XXXX/XXXX/2016. These company called me and the representative was very persuasive. I had several contacts approach me by phone on how they were upgrading my site for the world to see it. I did n't understand on what to do. I have never been in this field of marketing. I ended up paying to several companies. All I was looking for was to make an extra income to pay bills. I was approached as owning my own business and bringing in extra cash. But in order to make money I would had to pay even more money to all these companies calling me and pushing me their services as necessary to my online business. And they always call you for more money, meanwhile I kept paying for more services and they were never provided. I was losing sleep unable to think worried about how to pay off creditors. Capital One denied me for the wrong reasons. I was disputing as services not rendered. And is not a billing error. I did agree to pay for their services but they never provided me with them. I tried to resolve with the company 's first but after you ask for a refund they ignored me.

Company response to consumer: Closed with explanation