BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
SYNCB/JCP ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/JCP or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/JCP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX continues to report an account to my credit report as " Disputed '' even though I have informed them ( see attached letter dated XXXX/XXXX/16 ) that this account is no longer disputed and requested that they remove this status from my credit report ; I am attempting to obtain a mortgage and this dispute status is preventing me from qualifying.

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 2020-01-17
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please  provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2015 XXXX XXXX XXXX sued me in XXXX XXXX XXXX for an amount they alleged I owed on a Lowes credit card. On the afternoon of XXXX XXXX XXXX 's attorney contacted my attorney and requested the continuance of a hearing that both parties agreed to. Despite their agreement to the continuance, on XXXX XXXX, 2015 XXXX took a default judgment against me anyway in the XXXX 's court. On XXXX XXXX, 2015, through my attorney I entered into a signed Settlement Agreement with XXXX to pay an amount we agreed upon for full and final settlement of their claim against me. On XXXX XXXX, 2015, following all instructions in the settlement agreement, I mailed the full payment agreed to, in the form of a money order, to XXXX XXXX via certified mail. The return receipt shows they received this payment on XXXX XXXX, 2015. Despite the fact that I paid the full amount XXXX agreed to and despite the fact that they received this payment, with no other notice to me XXXX took the default judgment against me and on XXXX XXXX, 2015 they recorded it in the XXXX court of my county. As of this writing ( XXXX XXXX, 2015 ) to the best of my knowledge and belief this account is still listed as unpaid and as being in collections on my credit reports. By recording a judgment in the XXXX Court after they were paid in full as agreed, and by continuing to attempt to collect an alleged debt after I had paid it in full per the signed agreement with them, I believe that XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act. Their unjust actions have caused further damage to my credit record, and they have caused embarrassment, damage to my reputation, and many other problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Altisource Portfolio Solutions, S.à r.l.
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:
A company called XXXX was trying to charge me on a cancelled service. I tried to contact them few times and was told for a refund, but was never processed, so I contacted my credit card company which is XXXX. XXXX then stepped in and contacted XXXX. Everything was taken care but months later, XXXX filed a collection through Nationwide Credit Inc . I 've been trying to contact Nationwide Credit Inc for the past weeks, but they removed my online access, never picked up my phone, never returned my voicemail. What can I do? XXXX should 've spoke up when XXXX contacted them, but they did n't. They instead file me a collection, and the collection company does n't care to contact me at all. XXXX already wasted me a LOT of time. How come I 'm the person that has to waste my time to deal with XXXX 's mess. I ca n't just let them kill my credit and steal my money. Is there anything I can do? Thanks.

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 2022-01-27
Company: Alabama Housing Finance Authority
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX deleted my account and their entire payment website in XXXX without providing any notice or alternatives to payment. I attempted to call their customer service line twice without being able to reach anybody ( left after waiting in call queue for more than an hour ) in XXXX, and by the time I was finally able to get someone on the phone on XX/XX/22 I was informed my mortgage payment had been reported as late, even though I made the payment over the phone immediately. The reason I needed to speak with someone before making the payment was that the old website I had bookmarked to make payments with had been showing a 404 not found error during XXXX, and appeared to have been updated in XXXX to forward users to their new website. When I tried to sign in with my account information I was informed my account had been deleted and that I had to register to create a new one before making a payment. Since I hadn't received any call, email, or letter from XXXX informing me of this change I was suspicious that it may have been a phishing attempt to access my mortgage account and information. After finally reaching a real person at XXXX who could confirm that there was a new website I accessed it but was not able to submit or schedule a payment as the payment amount fields were broken and there was no button or other option to actually click on to submit a payment, so I made the payment over the phone immediately. I was assured by the same person that this had been a common issue and that other people were also having issues accessing the new website so it would not be considered late. The late payment is still showing on my credit report and after contacting them again to remove the late payment I was told they couldn't help me at all by an overworked customer service agent who rushed me off the phone immediately after waiting in the queue for 35 minutes. I have submitted disputes with the 3 credit bureaus since I believe this was an unfair business practice that probably caused many other late payments with their customers. I have otherwise never missed a payment and this unfair mark on my credit report will show up on pre-employment screens and affect my ability to relocate for potential job opportunities or refinance, buy, or sell a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Both accounts are over the 7 year mark. They should not be reporting at all. I have written proof last payment was made over 7 years ago and these accounts are passed the 7 year mark and need to be removed. Please stop reporting old accounts and please remove asap. Thank you BOTH Accounts Below. 

account XXXX account 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 2022-01-27
Company: EQUIFAX, INC.
State: DC
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:
Sharing my information without my consent, reporting false inquiries on my Consumer Report Damaging my credit score with false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received an email from Lakeview XXXX  on XX/XX/XXXX for disbursement of property and water tax in the amount of {$2800.00}. I communicated to them through email and phone XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( phone call ), and XX/XX/XXXX in regards to the payment made and that the amount due was supposed to equal to {$5600.00} and they only made half the payment. I communicated to them several times that due to 50/50 homestead due to XXXX  owners on same mortgage loan they would have to make payments for XXXX  separate accounts and even submitted invoices for both accounts to show proof that this was the case. The county and water company have both myself and the other owner separate accounts as this is how they advised me to apply for homestead, but the mortgage company has failed to update me or make the other payments, causing the account to go delinquent and owe more on taxes now.

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 2022-01-27
Company: Experian Information Solutions Inc.
State: DC
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:
Sharing my information without my consent, reporting false inquiries on my Consumer Report Damaging my credit score with false 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 2022-01-27
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: Information is missing that should be on the report

Complaint:
It has been brought to my attention that Experian is not reporting correct information to my credit report. My FICO score and my XXXX XXXX monitoring score are completely different. Also, I have incorrect and inconsistent information reporting on my report. I need my score as high as possible and it is unfortunate because many items are preventing positive scoring. This is affecting me as a consumer negatively. 

I have contacted Experian and they can not and have not helped me. This is the only credit bureau negatively affecting me and preventing me from the higher score that I have worked hard to maintain. 

I have XXXX credit cards and XXXX secured loan not reporting on my Experian bureau at all. 

XXXX as an authorized user opened XX/XX/21 @ {$18000.00} is not reporting on my Experian. I also have this address listed on my credit report. 
XXXX opened XXXX XX/XX/21 @ {$500.00} is not reporting on my Experian. 
XXXX XXXX opened XX/XX/21 @ {$200.00} is not reporting on my Experian. 
XXXX opened XX/XX/21 @ {$600.00} is not reporting on my Experian. 
XXXX secured loan opened XX/XX/21 XXXX @ {$500.00} never reported to my Experian. 

I need these XXXX good history accounts to report to my credit immediately to boost my score and help me secure my financial goals. This is preventing me from receiving the benefits and hard work I have put into my credit to pay my bills on time. This is affecting me very negatively.

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 2016-08-01
Company: Credit Adjustments Inc
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have disputed an account with Credit Adjustments by mail and they have not been able to provide validation of the debt. They sent me a letter with a bill, I asked for validation which they did not do and still put it on my credit report.

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 2017-02-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I filed a Claim with Wells Fargo for paying for a product via ACH that I have not rec 'd to date as the Merchant refused to refund my money/problem solve to resolve the issue as USPS admitted they messed up and forwarded my package to another address because the Postman did not perform his due diligence to making sure I was the resident and not the prior residence at the address. 
Wells Fargo Claims Dept did NOT call me to discuss the matter and they denied my claim saying the transaction was valid and did not research to see I was not filing the claim for fraud but because I paid {$86.00} for a product I do not have. 
I have been bounced around for over an hour between XXXX-XXXX Wells Fargo Representatives who are not even taking the time to understand the 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 explanation
Consumer complaint received 2017-03-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX account was paid in full in XX/XX/XXXX, but on experian report i have 30 days late on XX/XX/XXXX, which is not possible to be true because loan was closed and paid in full in XX/XX/XXXX Disputed a few times, but experian said verified, Please see in atachment proof.

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 2020-08-10
Company: National Credit Adjusters, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ive notice a collection reporting on my credit report in XXXX and I sent out a debt validation letter on XX/XX/2020. I never gotten a response to that letter. The debt that has been reporting has never been verified to me and I would like for it to be removed from my credit report. The company has never contacted me to advise me of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions 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:
Personal statement : After checking my credit for a store card application I realize that tere were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXXXXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. 
Please note these for future issues, 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 2015-10-07
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a Health Savings Account with TD Bank. I was notified in early XXXX that they would begin extracting fees from my account by XXXX XXXX. So I paid qualified medical expenses to bring the account balance down to {$0.00}. I called to close the account but I was told because it was a HSA, I had to go into a physical branch location to close the account. So I went to the TD Bank branch at XXXX XXXX XXXX, XXXX NY on XXXX/XXXX/2015. I met with a bank representative to close the account, she took my HSA debit card, and my online account with the bank became inactive. The following month, I receive a statement from TD bank showing the account with a XXXX cent balance from interest earned and the account not actually closed. So, I went back to the same branch location on XXXX/XXXX/2015 to make a second attempt to close the account. The bank representative withdrew the XXXX cent balance, gave me the penny and said that the account was now closed and I should receive a final statement at the end of the month. 
I am still receiving statements as if the account is still open. TD bank will not close the account even though I have brought the balance down to {$0.00} on XXXX occasions and have gone into the bank XXXX to close the account. I do n't know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I received an unrecognized charge on my account on XX/XX/XXXX. I called to report the charge on my Barclaycard CashForward card. They investigated the charge and determined it was a " chip read '' card present transaction. It was billed as a hauling and towing service located in XXXX XXXX. I had made no such charge in XXXX. I was not in XXXX on XX/XX/XXXX or, for that matter, since XX/XX/XXXX. They were not able to provide receipt copies or other information pertaining to the charge. I have no record of making a charge for any such towing or hauling services either in XXXX or in my home state of XXXX where I was on XX/XX/XXXX. They closed the investigation and determined it was my responsibility. Neither Barclay nor MasterCard appear to have any responsibililty for providing evidence that a charge is legitimate. I take efforts to manage my credit carefully and now am placed in a position of paying for a charge that I have no record of making or face derogatory reports on my credit history if I choose not to pay it. Unacceptable. Merchants and the bank processors need to have responsibility in verifying charges.

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