BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was at XXXX XXXX today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XXXX and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX  XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX # XXXX  XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Platinum Holdings Group, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Called claiming that I owed {$2000.00}. I asked for verification of debt, he said he did n't have to provide that. I asked for his name, he said 'I told you my name at the beginning of the call '. I asked for the company he worked for, he said 'Worldwide Asset Recovery '. I asked for the account number for the account he was referring to he said, 'you do n't know what bills you owe? '. 

He continually interrupted and would not answer the questions required by law. He said he was not required to provide any of the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Bread Financial Holdings, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was served court papers from utah attorneys/ XXXX XXXX XXXX of XXXX utah on XX/XX/XXXX representing XXXX XXXX XXXX in XXXX, Utah saying I owed {$500.00} for my ToRRID credit card account but Ive never recieved any kind of notification from XXXX XXXX XXXX credit caard balance was only {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portafolio Recovery Associates LLC, try to collect a Debt that I do not owned, and i dit send XXXX certificates letters requesting a validation signed contract document or cap signature by instrument use on the date of credit approval by bank, XXXX XXXX XXXX , they fail to respond, I give them 30 days to responded with the request document, or otherwise they should remove it from the reports of the credits bureaus, and they didn't, that is a violation at FCRA,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America foreclosed on me wrongly! I was under a loan modification at the time of foreclosure and i had done and submitted all my paper work the bank had asked me too! They are claiming i did not and foreclosed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2021-12-21
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:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Other fee

Complaint:
Chevron Gas Texaco continues to use deceptive practices by increasing the minimum payment even if you make a payment. They start with {$25.00} minimum and then continue to increase the minimum each month. Even if you make a payment, if it does n't meet there minimum amount, they will charge you a late fee of {$40.00} dollars and then they increase the minimum payment again until you are unable to make the minimum payment. Even if your account is closed. I now have a minimum payment of almost {$200.00} even though I have made a payment. The company issues the credit cards from Synchrony Bank and they are the ones who collects the payments. My account has been closed for about 6 months and they make it impossible to pay off the balance by continuing to charge outrageous charges, minimum payments and late fees. Last, they report you to the credit bureau, even if you make a payment. They state that if you do n't make the minimum payment, it 's considered you did n't make a payment at all.

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 2016-02-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Select Portfolio Services claims in their response to my complaint XXXX that XXXX made a " Protective Advance '' when they paid off XXXX XXXX. What were they protecting? I was not under threat of foreclosure from XXXX. 
Also, where in my mortgage document with XXXX XXXX ( the original mortgage holder ) does it even mention " protective advances '' or anything like them? 
No matter what SPS tries to call it, it was a cash out refinance, entitling me to both disclosures of disbursement of funds and the right of recision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Michael Harrison, Attorney at Law
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Lately we have received debt collection notices from a Michael Harrison Esq. in XXXX, NJ. The notices started coming in XXXX for services allegedly incurred by my daughter, who has a XXXX and a lot of medical expenses, in XXXX. Now we 've received a notice stating we are being sued for {$1200.00} for a bill of {$950.00} from XXXX which was allegedly unpaid, but for which we have not received any communication from the provider in years. We assumed it was a scam. Now we 've just received letters from XXXX XXXX notifying us that XXXX additional charges are 'authorized for lawsuit. ' The letters do n't even give a the services were provided, so we do n't even know what year we are talking about. Again, we pay about {$10000.00} in medical bills to various providers annually and generally pay promptly. We have no idea where these charges came from or why we are getting notices from a collection agency years after the fact. And now XXXX XXXX is using the court system to harrass and intimidate us into paying money - to his firm - which we are fairly certain is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-19
Company: Ray Klein, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I would like for the company to produce the contract that bears my wet ink signature. If they are unable to provide such documentation I would like for them to remove this item from my credit report as it is causing me great financial harm

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-15
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
This law firm never served me with summons before court date in order to receive summary judgement. They are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently pulled a copy of my credit report and noticed a collection account by IC as I do n't recall signing any contract with a company by this name nor do I recall receiving any duns letter by them. so I send them a certified letter tracking number XXXX XXXX XXXX XXXX XXXX requesting for a copy of any viable evidence bearing my signature showing the account is being reported accurately. I also informed them as per FTC letter from Attorney XXXX XXXX XXXX you should be aware that a printout of a bill or itemized documents does not constitute verification. being that I have that right under the Fair Credit Reporting Act and Fair Debt Collection Practices Act but they have refused to send as well as mark my account as disputed within the 30 days which is a violation of my rights under willful noncompliance as per FCRA 623 ( a ) ( 3 ) Responsibility of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s- 2 ]

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 2015-10-09
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have been a cardholder of the Barclaycard for about two or three years I believe. I never missed a single payment with this card, and I never missed a payment with any of my credit cards since 2008. The bank abruptly and capriciously cut my credit limit, which changed my utilization ratio. There was no conversation, no alert, no details -- they just cut the limit. I tried to deal with the bank, expressing my extreme dissatisfaction. However, all I got were excuses and stories in my opinion. Eventually I did reach someone who was able to " appeal '' the downgrade. After extensively explaining my financial details they put me on hold and returned like a minute later to say they wo n't do anything. I also tried the " Office of the President, '' but that seemed to be a total waste of time also. I had a great experience with the Barclaycard and never missed a payment, I often made considerable payments on the card and would consider myself a great customer. The fact that the bank abruptly changed my credit limit is very concerning, and a law should be considered to keep them from acting this way because it can damage the credit score of a cardholder through no fault of their own. I would appreciate any assistance that the Bureau of Consumer Financial Protection can offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have XXXX promotional balances with Synchrony Financial XXXX of which is a 0 % interest that needs to be paid off by XX/XX/2017 in order to not incur interest. Every month I make a payment of {$200.00} for the account. The amount necessary to be paid for this 0 % balance not to incur interest is never applied correctly requiring me to call every month. The explanation I 've been given is this is how the system applies it and I need to call. I find this disturbing considering Synchrony set the terms and should be responsible to make sure it is applied correctly. I also have several other concerns about the website FAQ 's and security question answers.

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 2016-09-16
Company: Conn's, Inc.
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I went to Conn 's located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX to purchase a refrigerator with a credit application I applied for in XXXX. I told the sales associate XXXX I had a credit application that was approved with the ( {$9000.00} ). He said he would pull it up. He asked for my phone number and was able to pull up my address. He said he would need my driver license and asked for my SSN and how many kids I had. When I asked him why he was asking all these questions he said the computer was asking him to provide it. When he finished he told me I was approved for a store credit card for {$3000.00}. I told him I never gave him permission to apply for another card and he apologized. I left the store without purchasing anything due to the deceptive practice. I asked to speak to a manager later when I called and was told he was on vacation when I asked for the assistance manager he refused to give me his name and the store number. He told me to to call the corporate office. I took a picture of the guy who other employees told me was the assistance manager and he was covering his name on his shirt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXXXXXX obtain a credit card from this company was paying monthly payments seeing that the increasing interest rates contacted the company request the card be unused status and that I could finish making payments representative spoke with stated interest would stop monthly payments would need to be made Timely payments were being made during the pandemic lost of wages second income monthly payments for XXXX XXXX went from {$35.00} up to almost {$300.00} a month call the company tell him I can make small payments could not afford the increase amount monthly start making automatic payments from my banking amount owed kept increasing I've never did business with Midland credit I was told by XXXX  XXXX that they sold the debt to them mid and credit then added their fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY ARS ACCOUNT RESOLUTIONS, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 169XXXX ( A ) ( XXXX ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( XXXX ) ( XXXX ) ( XXXX ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.

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: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
I purchases a sectional sofa from rooms to go XXXX 2016 using a {$5300.00} line of credit issued by XXXX and Synchrony Bank. I was enticed by the no interest payments. The sofa was delivered with defects and then returned. I purchased another sofa and loveseat that was also delivered defective. That set was exchanged for an identical sofa and loveseat, defects and all. After the the third and final return, I chose not to purchase another set. I began receiving past due credit notices and even a fraud alert for being over 30 days past due. I had been assured by the store manager in XXXX GA that no charges would accrue. Then I went to the XXXX outlet and purchased a sofa. However, I learned my credit was frozen due to outstanding charges of {$360.00} from the original purchases on my credit card. After speaking to customer service and the store on multiple occasions, I have still, three months later, not been refunded the proper amount and I continue receiving several phone calls a day for payment. There have not been any other charges on my bill other than the defective purchases. I need this remedied so I am not reported as delinquent and no longer harassed for money that is not mine to pay. Please help!

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 2015-12-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
On XXXX I discovered an unknown CareCredit/GECRB account on my credit report. I asked my free union legal services attorney, XXXX XXXX XXXX to dispute the debt. The dispute letter was sent on that same day and on XXXX/XXXX/14, GE Capital Retail Bank responded. Then on XXXX/XXXX/14, XXXX XXXX, XXXX. called me and let me know that she spoke to " XXXX '' at GE collections department and informed her that the debt was a fraud and " XXXX '' promised to send a fraud affidavit. I have never received the fraud affidavit and not XXXX XXXX XXXX is reporting the debt on my credit report. I returned to my legal services office today and when we called GE Capital Retail Bank we were told that Synchrony Bank had sold this disputed account to XXXX XXXX XXXX and could not help me any longer. Now the account is being reported by both XXXX XXXX XXXX and Synchrony Bank and my dispute was ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12
Company: Rubin & Rothman, LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XX/XX/2015 I filed Chapter XXXX bankruptcy protection which included XXXX. Around XX/XX/2015 by bankruptcy was XXXX also the debt of XXXX. Today in the mail I received a letter from XXXX trying to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Best Buy credit card, was XXXX when opened, now Citi bank. 

I just found out that I have been charged a " debt protection '' or " credit life insurance '' fee on my Best Buy credit card every month since I have had the card. I was told that I opted for this " service '' when I opened the account in XXXX, XXXX. I disagree as I would not willingly pay a fee for credit life insurance. My wife and I have enough savings to pay for something like this and we both also have life insurance policies. 

I have attached my statement from XXXX XXXX because that's as far back as I can access through my account. Also attached is the most recent statement form XXXX XXXX. The fee was charged every month since the account has been open.

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 2020-04-13
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My LTV is at 77 %, I have never missed a mortgage payment, and have been paying PMI since XXXX. 

A written request to remove PMI from my conventional TIAA bank mortgage was denied, citing that I need my loan at 70 % LTV. 

My original written request was submitted in XX/XX/XXXX and just last week XXXX XX/XX/XXXX XXXX was the first time I was able to connect with the right person at TIAA to address this.

Company response to consumer: Closed with explanation