BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-01
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been a victim of identity theft. I had filed a previous complaint against the original creditor on XX/XX/XXXX with the CFPB. CFPB Case number : XXXX was the complaint against Synchrony Bank for an American Eagle credit card, account ending in XXXX, that was charged after I had lost my wallet. 

On XX/XX/XXXX, I received a letter from Synchrony Bank stating:1. That this debt was discharged by Synchrony Bank. 
2. All Charges were removed. 
3. All credit reporting agencies will be notified to remove the account from my credit report. 

I have since been receiving collection letters from a XXXX XXXX , XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attempting to collect on this debt. I assumed the first XXXX letters, even though they were one day apart in their creation, were so close to the date of the discharge that XXXX XXXX , XXXX had not been notified of the decision by Synchrony Bank. When I received the letter dated XX/XX/XXXX, I can only assume that XXXX XXXX is illegally collecting on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Other

Complaint:
ON XXXX/XXXX/16, I ATTEMPTED TO USE THE ONLINE SERVICES OF SYNCHRONY BANK, TO REQUEST A CREDIT LIMIT INCREASE FOR MY WALMART CREDIT CARD ACCOUNT. THE FIRST STEP OF THE ONLINE PROCESS REQUIRED THE CREDIT CARD HOLDER ( MYSELF ) TO INPUT PERSONAL INFORMATION FOR VERIFICATION PURPOSES, INCLUDING INCOME. THEN, THE CARD HOLDER IS PROMPTED TO PRESS THE NEXT TAB BUTTON TO PROCEED TO NEXT SCREEN. IN DOING SO, THE ONLINE SERVICE IMMEDIATELY PROCESSES THE APPLICATION. THE ONLINE SERVICE DID NOT PROVIDE ANY MEANS FOR MYSELF TO CONSENT, CONFIRM, OR AUTHORIZE A CREDIT INQUIRY NOR REVIEW TERMS OF AGREEMENT UPON REQUESTING A CREDIT LIMIT INCREASE. I DID NOT HAVE AN OPPORTUNITY TO OPT OUT OF MY REQUEST AT ANY TIME DURING THE PROCESS. THE ONLINE SERVICE HAS ONE INITIAL STEP, THEN ONCE YOU PRESS THE NEXT BUTTON TO TAB TO NEXT SCREEN IT PROCESSES APPLICATION. I WAS UNAWARE THAT I WAS AT THE FINAL STAGE OR STEP OF THE CREDIT LIMIT REQUEST PROCESS. I BELIEVED THAT ONCE I CHOSE NEXT I WOULD BE DIRECTED TO ANOTHER STEP WITHIN THE PROCESS. THE ONLINE PROCESS DID NOT INDICATE OR DISCLOSE THAT I AM CONSENTING TO A HARD INQUIRY. THERE SHOULD BE A FINAL CONFIRMATION STEP TO ENSURE THE CARD HOLDER WOULD HAVE AN OPPORTUNITY TO CHANGE THEIR MIND. THE ONLINE SERVICE PROVIDED A MESSAGE, WHICH READ " UNABLE TO PROCESS A CREDIT LIMIT INCREASE VIA ONLINE '', SO I ASSUMED THE CREDIT LIMIT REQUEST WAS NULLIFIED OR CANCELLED UNTIL I RECIEVED A LETTER FROM SYNCHRONY BANK INDICATING " MY CREDIT LINE INCREASE WAS RECEIVED AND DENIED ''. I AM NOT REFUTING THE DENIAL, ONLY THE CREDIT INQUIRY ON MY XXXX REPORT, WHICH I DID NOT CONSENT TO BY WAY OF CHECK MARK, INITIALS, OR ANY OTHER METHOD.

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 2022-03-24
Company: Experian Information Solutions Inc.
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX  / XXXX / {$350.00}

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 2022-03-24
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: Reporting company used your report improperly

Complaint:
To whom it may Concern I want to file an executive complaint against all three credit bureaus I have reached out to the Three Credit Bureaus To have these fraudulent negative items deleted that is negatively impacting my score Ive asked them to remove the negative items from my credit report numerous times after so many failed attempts to have the derogatory items and remarks removed from my credit report that was made fraudulent due to identity theft that Caused these negative items on my credit report they failed to send me proof of the reasonable verification process of proof how these accounts were validated or verified I have all my proof and documents to provide

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
A dentist charged us for XXXX weeks prior to the operation by completing a CareCredit application. The office manager explained that we qualified for a promotion however when we received the bill from Care Credit there was no indication that we qualified for any promotion and they had already charged us % XXXX interest on the {$4000.00} charge. Additionally, I have found that we were charged, not only ahead of time, but for procedures that were not necessary and that were never performed. The dentist refuses to accept correspondence on this issue.

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 mailed letters via certified mail requesting that they verify the alleged debt that the company claims I owe. The tracking from the USPS shows the letters were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have not received any proof that the company validated the debt. The accounts are not in dispute either. Per the FCRA, 30 days is the limit for these investigations, I've been more than patient for 210 days and I still have received no results.

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 2022-03-24
Company: EQUIFAX, INC.
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX / XXXX / {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I paid in full upfront for one year of service for my rental property with XXXX. That service was completed on XX/XX/XXXX. Then in the fall of XXXX, I receive a call from XXXX asking for payment for the fall treatment. I told the lady, I paid for the one year service and was finished with my service. I did not ask for or authorize XXXX to go back out to the property after my paid in full service was completed. She put me on hold, had a conversation with someone, came back to the phone and said she understood and would write it off and take care of the {$70.00} charge. Fast forward to XX/XX/XXXX. I now see on my credit report as a collection. I never received anything in the mail asking for this money. Only the phone call and I was under the impression the bill was writen off because I did not order the treatment. As you can see from my credit history, I have a very high credit score and pay my bills ontime, everytime. I never would have let {$70.00} go to collections. This is very disturbing to me that a service can be charged to me that I didn't ask for, then send to collections with no written notice to me along with a verbal conversation with the company saying they were sorry and would take care of it. Please have this collection removed from my credit. 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 2022-07-19
Company: Experian Information Solutions Inc.
State: NC
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:
In XXXX of 2022, I sent a dispute to Experian, XXXX and XXXX credit reporting agencies. The results came back as verified as accurate. On XX/XX/2022, I sent a method of verification letter to all 3 reporting agencies requesting the description of the procedure used to determine the accuracy, name, address and telephone of each person contacted regarding the disputed account and a copy of any documents provided bearing my signature showing that I have a legally binding contractual obligation to pay the amount claimed. I asked that that those items be sent to me within 15 days and as of today XX/XX/2022, I have not received any documentation. I have attached a copy of the letter sent to all 3 reporting agencies and a copies of the US postal service certified mail receipt.

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 2020-10-08
Company: Experian Information Solutions Inc.
State: ID
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 is an account on my credit report that I do not recognize. This isn't my account. Please remove it. 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 2015-09-13
Company: Municipal Collections of America Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was notified by XXXX ( collection agency ) that I owed a debt from a red light ticket XXXX from XXXX of 2014. I never received verbal or written notice from XXXX XXXX and was only contacted by XXXX. This resulted in a debt collection and negative mark to my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Remaining Negative Accounts. 

Account Name : REGIONSBANK Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX has violated my rights. 


15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-08-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I had an existing account with HSBC and got the following promotion, which was completed monthly for 6+ months. Only 1x {$15.00} credit shows in the account each month. I have contacted HSBC 2 times via the customer messaging system and have not heard back any response. 


Starting XX/XX/2021 you can earn up to {$180.00} over the next six consecutive calendar months by simply using HSBC for your everyday banking. Offer ends XX/XX/2021. 
How it works. 
Earn {$15.00} per month when you Make 10 new purchases per month using your eligible HSBC Mastercard card ( s ) and/or Earn another {$15.00} per month when you Pay 3 bills per month using HSBC 's Bill Pay Keep up the good work and earn up to {$180.00} over six months The Card Offer and/or Bill Pay Offer will be automatically credited to your HSBC Premier checking accou
nt approximately eight weeks after meeting that month 's qualifying activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: 21ST MORTGAGE CORP.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
21st Mortgage is holding my insurance payments for the repairs on my home. In order to obtain my funds, I am required to submit estimates and XXXX 's from each subcontractor. Once the necessary paperwork is submitted, it takes a minimum of 10 days to process the payments. If there is a problem with the paperwork, I am not contacted. I have to contact the mortgage company to find out why it is delayed. For example the payment to XXXX was delayed because my wife was told that because they were an incorporated business a XXXX was not required. When she called to find out why the payment had been delayed, she was told they did not submit a XXXX. Then she had to contact XXXX to obtain XXXX. I then had to wait another 10 days before their funds were released. This is not the first time I have been given inacurate information. Each time me or or my wife calls, they tell us something different. Further more, once I receive a check in the mail, it is made payable to me and the subcontractor. The bank requires both of us to come in person in order to deposit the funds. Then the subcontractor has to wait until the funds are released. This further delays the repairs on my home. My mortgage company has also informed me that all the money I spent on materials required for demolition will not be reimbursed until the final payment. On XX/XX/2016 I received a letter from 21st Mortgage that in order to receive my final payment my mortgage must be current. I do pay my mortgage on time. I am finding it increasingly difficult to do so while waiting for the mortgage company to release my insurance funds, because some of the repairs I have to pay for first, then submitted the paperwork and wait for the check to arrive. Once the check arrives I have wait XXXX business days before the funds are released. My home only took in XXXX '' of water but because of the mortgage company It will be the beginning of next year before the repairs are finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX / XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Credit Protection Association, L.P.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I stopped service with XXXX on XXXX XXXX, 2015. I received a final bill XXXX XXXX for {$69.00} and promptly paid it. Payment was not due until the XXXX of XXXX. XXXX received payment on XXXX the XXXX. On XXXX the XXXX I received a call from Credit Protection Association L.P. stating that they were a debt collection service attempting to collect a debt. I then received a letter dated XXXX XXXX from the same company that XXXX had turned over my supposed debt of {$69.00} to collections. This affects my credit score and I am furious. I have spoken with XXXX without much help being shown my way. I want my any dings on my credit cleared and I want to know if this is a common, predatory practice by 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 2017-03-16
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXXsentdetailedinformationtoacompanybythenameFinancialRecoveries.Irecentlyrecievedprinteddetailedinformationfrom : FinancialRecoverieswithinformationintheirattempttocollectadebtin whichmyHealthCareProviderdidpay.Thisinformationgivesexplicit detailsregardingtests, labs, etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
ATTACHED ARE XXXX LETTERS DATED XXXX XXXX, 2015 FROM MY SERVICER - BSI. THE LETTERS ACKNOWLEDGE RECEIPT OF " ADDITIONAL DOCUMENTS FOR YOUR APPLICATION TO OBTAIN A MODIFICATION. '' IN THE XXXX LETTER BSI MAKES THE STATEMENT " WE ARE NOT AWARE OF ANY DEFICIENCIES. '' BSI FURTHER INDICATES THAT A DETERMINATION WILL BE MADE WITHIN 30 DAYS. BSI HAS ALSO SCHEDULED A FORECLOSURE SALE DATE FOR XXXX XXXX, 2015. BSI IS ENGAGED IN DUAL TRACKING AND THIS IS EXPRESSLY PROHIBITED IN CALIFORNIA.

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: 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:
I applied for a XXXX XXXX credit card today XX/XX/20 and unfortunately, I was not approved because there is an account and a few inquiries reflecting negatively on my credit report. The account is from a company called XXXX XXXX XXXX XXXX and the inquiries are from several different companies all of which I did not apply for and do not have any type of signed contract or agreement. None of the inquiries and account I listed on this report do not belong to me and I did not allow anyone to open this account or make these inquiries in my name. I did not benefit anything from these items being open in my name such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards this account. I already filed a police report regarding these suspicious items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Professional Medical Management, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am XXXX XXXX military and as such receive XXXX % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-06
Company: NELSON AND KENNARD
State: ID
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XX/XX/XXXX I had a XXXX XXXX XXXX that was totaled in a head on collision that almost cost me my life. I had full coverage insurance I was under the impression that it was fully covered, it has been almost 19 years and my wages have begun getting garnished at 25 % a pay period it comes out to aproximatly {$600.00} a month, it has put me in sever finacial hardship as I am a newly single mother currently going through a divorce. The debt is registered in the state of XXXX and I have lived in XXXX for the past 8 years. I was unaware that I owed the debt, but apparently there was a judgement against me. I received a notice 2 days before my pay date of when my wages were to be garnished I had no time to fight it and before I knew it I was unable to pay all my bills. The agency ( Nelson & Kennard Attorney at Law in XXXX, XXXX ) I delt with constantly passed me off to a new person over and over and treated me as though I personally defiled them and I was XXXX of the earth and gave me several wrong numbers of whom I was supposed to speak with that lead me no where. The accured interest is double the amount of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation