BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To TRANSWORLD SYSTEMS INC., and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

I have no recollection of a business relationship with Transworld Systems Inc. ( TRANSWORLD SYSTEMS INC. ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and Transworld Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On Friday XXXX XXXX I contacted Synchrony Bank, the issuer of my Walmart Mastercard, to inquire as to the status of a check I had sent over a week earlier as payment which still had not posted. The agent, XXXX, gave me a run around, first telling me the check never arrived, so when I stated I will have to do a stop payment, he told me no, the check has arrived but has not been processed. I then asked to speak to a supervisor, he refused. I had to ask XXXX times in total before the agent would transfer me. While on hold for a supervisor, I received an email security alert from Walmart that someone had just used my account number and social to acquire my online user ID ( email address ). When I finally reached a " supervisor '' she stated that he did that to verify my information, problem is the page to do this explicitly states only the card holder may fill this form out. I believe the agent XXXX is attempting to steal my identity or use my email address in nefarious ways and want this issue addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX # XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

15 USC 1681 Section 602A, states I have the right to privacy.

15 USC 1681 604A Section 2, also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: PR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since XX/XX/2019, XXXX  and Experian stop allowed to operate his dispute center They are controlling life-changing information, and they clearly have no interest in fixing this issue avoiding customers dispute wrong accounts in reports which is illegal. Every customer by law have the right to review their account and dispute any wrong statements. By email they never receive the documents they state always please resend it never arrive. No one is doing anything to find a solution. Experian is running a similar scam, where their site is always down for disputes, you have to send things in the mail, they get lost, etc. I have submitted multiple disputes for erroneous reporting and have gotten a resolution expected when I tried to re submit did not allow. I hope CFBP will help doing something about this scam by this companies in which mos of the time get money from third parties to continue operating in this way.

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 2015-07-13
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card
Issue: Billing statement

Complaint:
I just want to make the Bureau and others aware of the shady practices of the Old Navy Credit Card. I got the store card to use when it would save me money which was only on certain days on certain items, so I used the card rather infrequently. Because of the infrequency ( Maybe 3 times a year ) I requested that I receive paper bills, so I would remember to pay it. An alert popped up on my credit tracker yesterday and upon investigation I had a bill from 9 months ago with Old Navy that had been stacking interest and late fees. When I called I was informed that because my card was used so infrequently my statements were changed to electronic only without notifying me. They said they were being sent to me via email. Which is of no use because it goes to a spam account that I rarely check, thus why I never requested electronic statements. 

I feel that it is an unfair practice to change from paper to paperless without notifying the customer. When I expect my communications to come via mail, as requested, I do n't look anywhere else for them. Also in the 9 months, I never received a phone call, or a letter in the mail. I would assume after so long they would make attempts to reach me by other means. I believe email should not count as a method of reaching me as we all know many people do n't check those types of accounts or it gets caught in spam filters. 

My initial bill was {$19.00}, my current bill was {$120.00}. Upon calling they reduced it to {$60.00} which I was fine with paying. I understand there was also some negligence on my part for not remembering to check shortly after I had made a purchase, but I had established a system where I should not have to do so. It was mostly due to the deceptive practices of the bank. As of now I have resolved the issue, if the delinquency appears on my credit report, then I will be pressing the issue further. I want to make others aware so they can be on the lookout and be aware of these types of practices, and I would like for the government to step in and evaluate the ethics of these types of measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I dispute this collection, whether it be my wife or myself we TOLD the hospital billing when admitted That they MUST use services ( doctors, tests etc ) that our insurance covers. All my collections are medical just like this. With all we pay for insurance and copays this is not right. I need these removed I will never pay these. Please help as this really stinks Medical collection accounts can be part of a credit report, but for privacy reasons, certain types of info is blocked from the reports provided to lenders. 
Medical collection accounts can be part of a credit report. However, for privacy reasons information that identifies the specific illness, type of treatment or the service provider is blocked from the credit reports provided to lenders or other businesses. 
Thank You, 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 explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions 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 2015-07-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
in XXXX 2015 i bought an item from amazon, {$19.00} and it was charged to my account run by synchrony bank, XXXX XXXX, XXXX, fla XXXX ( bank ) -i got the bill from bank on XXXX/XXXX/15 and paid it by entering my bank account #, and routing # -on XXXX/XXXX/15 got letter from bank saying my payment had been returned by my bank-a lie as my bank ( XXXX ) never heard of it-i at once called bank at XXXX and spoke to aromas who told me they had made an error in input and verified my XXXX routing # and account # to have the {$19.00} paid from my account XXXX gave me confirmation # XXXX-the amount was paid and withdrawn from my XXXX account on XXXX/XXXX/15 yet on XXXX/XXXX/15 i get another letter from bank saying my account was closed for return payments -i called bank and spoke to XXXX-who said she would take care of problem, but nothing she could do about reinstating my account or removing bad report from the XXXX credit bureaus -- help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Back in XX/XX/XXXX. I was solicited by Barclays for a choice privileges credit card .that promised XXXX points. IF you spent {$1000.00} in the first 90 days .so I asked if I used them for a balance transfer would that qualify as well and they told me YES .we can do a balance transfer and you will definitely quality for the rewards points. I asked several different representatives because I wanted to be sure I was receiving correct info. So I applied and received the card waited about 30 days to check on my rewards points becoming available and when I called to enquire I was told your points are not available YET usually takes about 45 days no worries your post will be processed soon .waited another 30 days still no rewards called again was told exactly the same thing it takes time to be processed. Finally I called back after about 75 days later and was told we're sorry that card doesn't qualify for the points INLY if you spend {$1000.00} in next few days can you revive it .which was impossible cus they had given me a {$1500.00} limit .I was so discussed IF had been told you can only recieve the points by purchased ..then I would have done it that way and made the purchases to get the points .now I have received no points plus been CHARGED {$70.00} transaction fee for the balance transfer .I understand sometimes representatives know more than others .but I was told repeatedly the card I was applying for would qualify me plus I was misled when I called to enquire .this just isn't a legit way to do biz or treat your customers I'm still furious it's been months they could have at least waved the bogus fees they charged me .I have spoken to a few managers and I have a case number but no one has offered me ANY kind of fair conclusion.they need to train their reps better .I feel completely ripped off and lied too the mangers leave a message when they are unable to get in touch with you but they never call you back and follow up - when I call I get put on hold you can't win with these croocks live and learn I guess I wasn't expecting this from a reputable credit card company I'm extremely dissatisfied

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 2021-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received notice from Bank of America that my mortgage was being sold effect XXXX on XX/XX/XXXX. This is less than 15 days as required by 12 CFR 1024.33. 
I contacted BoA and told them they did not provide enough notice per the law, I was informed the letter was dated XX/XX/XXXX and that was more than 15 days. 
However, putting a date on a letter doesn't inform me of something on that day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have been discriminated against and treated unfairly by Barclaycard Delaware. Recently, I was notified that my credit limit was reduced by {$600.00} because I was " nearing my limit ''. I was at least {$900.00} away from my credit limit at the time it was reduced. When my card was declined today while making a purchase, I called customer service to find out what was happening. I was told a letter had been sent in the mail the day prior ( yesterday ) explaining why my credit line was reduced, which as stated, was because I was nearing my limit. Why am I given a limit if I ca n't get near it other than to potentially charge a fee or harm the consumer? The customer service manager also told me that it depends on my " overall credit health. '' However, my credit health, according to their XXXX reporting system is XXXX -- which happens to be over XXXX points higher than my husband 's who was just given a credit limit increase. This is not the first time I have seen my husband 's credit limit increase while mine has stayed the same or, like this time, been reduced. Our credit reports are virtually the same -- he has a higher debt to income ratio because of our mortgage, which is why I believe his score is typically lower than mine, yet he has consistently received credit limit increases ( without request ). This has been a consistent issue with Barclaycard Delaware since opening our accounts, which occurred within a few months of each other. I can find no other reason for this other than discrimination in their portfolio management. I have never been late, I have never gone over my credit limit, and my account has remained active and in good standing through my entire history with the company. Now, because my limit was reduce, a purchase of mine will put me over my newly reduced credit limit, which I believe will harm my credit score and overall portfolio history with the company, should I decide to keep my account 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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In accordance with the fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX ) XXXX ) ( 2. ) XXXX XXXX XXXX {$1900.00} ( 3. ) XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : 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 non-monetary relief
Consumer complaint received 2022-01-20
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX sent me a credit card which i did not apply for. I called them and cancelled the account. They said that my social security number was used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07
Company: Conn's, Inc.
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I signed up for a zero interest loan for 12 mos for a washer and dryer with Conn 's Home Plus. The lender failed to withdraw the final payment ( they said it was n't set up on ACH, yet they ACHed all my other payments ) causing my account to accrue the previous 12 mos interest, which exceeded the total initial cost of the appliances. When I called them three days after the 12 month mark, they said there was nothing they could do and I needed to pay it or have my credit negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Capital One Representative XXXX explained to me that they sppke to the real " XXXX '' and taht theu confirmed that they didnt open an account. They never asked me to provide documenation or proof and closed borh of my accounts beleiving the alleged

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I dispute this collection, whether it be my wife or myself we TOLD the hospital billing when admitted That they MUST use services ( doctors, tests etc ) that our insurance covers. All my collections are medical just like this. With all we pay for insurance and copays this is not right. I need these removed I will never pay these. Please help as this really stinks Medical collection accounts can be part of a credit report, but for privacy reasons, certain types of info is blocked from the reports provided to lenders. 
Medical collection accounts can be part of a credit report. However, for privacy reasons information that identifies the specific illness, type of treatment or the service provider is blocked from the credit reports provided to lenders or other businesses. 
Thank You, 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 explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: IN
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:
In accordance with the fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX ) XXXX ) ( 2. ) XXXX XXXX XXXX {$1900.00} ( 3. ) XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : 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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : 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 2022-10-19
Company: Experian Information Solutions 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 am writing to dispute fraudulent charge on my CREDIT REPORT BY XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2018. I am a victim of identity theft, and I did not OPEN THIS ACCOUNT. I HAVE PROVIDED A IDENTITY THEFT REPORT AND A POLICE REPORT. I HAVE BEEN DISPUTTING THIS ACCOUNT FOR A WHILE AND NOTHING HAS COME OF IT. DISPITE PROVIDING INFORMATION REGARDING THE IDENTITY THEFT. PLEASE HELP. THIS IS NOT MY ACCOUNT, AND XXXXXXXX XXXX XXXX IS NOT COMPLYING WITH THE REQUEST. XXXX AND EXPERIAN HAVE FAILED TO FIX THIS ERROR.

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 2021-10-28
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I'm not swayed that 3 Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on PDQ SERVICES. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2017-09-27
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV Funding received notice the end of XX/XX/XXXX advising that the account that was in their possession was not opened by me. It is now XX/XX/XXXX and they refuse to remove the account. I have been negatively affected and denied for product due to this issue.

Company response to consumer: Closed with explanation