BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries/inquiries on my XXXX, Experian, and XXXX credit report. I recently retrieved my credit report and it showed numerius credit inquiries that I have no knowledge of ever authorizing.

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 2016-11-06
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Cash advance fee

Complaint:
My credit card company charged me the same fee for a cash advance XXXX times and refuses to credit the amount involved. They are charging me interest despite the fact that I have put the amounts in dispute. 
I have written letters, complained on their website and called many times without getting resolution.

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 2022-05-13
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As indicated in the complaint letter to XXXX, several sections of the FDCPA were violated. These violations were all clearly spelled out for the debt collector, with included references to the specific section of 15 U.S.C. s1692. There was a total of 19 FDCPA violations including the aforementioned false representation of an amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid through my insurance and the balance with my debit card. The original creditor did not inform me thst i had a balance because i used my insurance for medical visits..so now i have various collections for small amounts..dropping my score tremendously i paid the balance anyway..and assured me that they will not report it to the credit bureau..i was lied to and comoletely mislead..please help!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Nissan Motor Acceptance Corporation has a XXXX loan under my name. I did not sign, give consent or agree to a XXXX loan. The second loan is for the same vehicle that I had purchased ( the letters they sent home to me have a different account number than the original account, yet has the same VIN # of my car ). I filed a dispute through XXXX as I also tried working it out with the company. It has been more than 2-3 weeks that I have been calling/emailing Nissan to fix this issue. Recently, I noticed on XXXX XXXX that it shows up as " paid and closed. '' Yet, it also says that I was late on a payment. Since I did NOT sign, give consent or agree to the XXXX loan, it should NOT be showing up on my credit at all. This morning I received an email from XXXX indicating that they contacted Nissan and got verification that the loan belongs to me. I think that it also shows up on XXXX, but that is why I am hoping that by filing this complaint, the company will fix their mistake and report to the credit agencies that it is NOT my loan and that it was THEIR mistake, will clear everything. I am also requesting a written letter from the company indicating that they in fact did make the mistake and the steps they took within the past 3+ weeks to fix it. I want that letter just in case this issue ever comes up again and I have written proof that the loan was a mistake and it does not reflect my financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a a unverified account from FABCO # XXXX. I had previously disputed this account. I have never done business with FABCO. Pursuant to the Fair DebtXXXX Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FABCO Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FABCO Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Financial Credit Service, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter today from ARA INC attempting to collect a debt on an old XXXX credit card that has been paid in full with another company. I do not owe this debt. I have been contacted by phone regarding this account before threatening to serve me with a complaint, and have explained that I have paid the debt in full and will file a complaint with consumer protection if they contact me again. Inevitably, I am contacted a few months later by a different company claiming I owe the same debt I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Southwest Credit Systems, L.P.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
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:
I never applied for it, i don't recognize this account.

I didn't sign any contracts or agreements with this company. I believe, that somebody used my personal information and open this account.

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 2019-12-12
Company: EQUIFAX, 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: Eltman Law, P.C.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I XXXX XXXX have been requesting and writing for the proof of judgment concerning the debt that I 've been paying for the past year and eight months stating that this debt belongs to me. In XXXX and XXXX of 2015 I have been in contact with your office requesting said judgment with the understanding that the judgment would be sent and I have yet to hear anything from your office concerning this matter. I checked my credit report and the debt was not on the report so how can i be in debt and paying something i have no knowledge of or any proof. Therefore, I am now requesting that my money be refunded in full back to me within 10 business days of receipt of this letter. If this office does not refund my money I will be forced to file a complaint with the Customer Financial Protection Bureau and the Attorney General Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-05-13
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Charge by XXXX XXXX for XXXX on XXXX when hospitalized at XXXX XXXX thru XXXX. 

Sent proof and request was denied Carve by XXXXXXXX XXXX  on XXXX for XXXX XXXX XXXX on XXXX when checked in to extended stay. Sent proof. Request denied. Semiconductor round of charges were put through when card had been compromised and shut down account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I received this card and because the rate was very high I returned back to bank and ask them to close this account. They did but never sent me a billing statement. I do n't do paperless statements so therefore I never requested this service. I decided to check my e-mail today and I saw this letter. I did call in and spoke with XXXX reps and XXXX supv but we did n't make it pass the verification even after coming through verified by automated.

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 2020-06-15
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am current up to the month of XX/XX/XXXX. 
I will pay XX/XX/XXXX in the next 10 days. 
I have late fees that are being added and credit report states very late but increasing payment to get it taken care of but the mortgage balance continues to increase. I will not live long enough to pay this note off. I am not paying XXXX cent on principal. They send someone to evaluate property every 3 months and its a fee, the fees and add ones are out of control. I am not allowed to pay extra on the principal. PHH is a scam and are continually taking advantage of the people that cant afford to fight them. They were busted in the XXXX and they had to pay is {$500.00}. Why wasnt the terms to undo the over charges adjusted and fixed. Why wasnt their errors repaid in full and not just a small amount to several cases. Why was GMAC MORTGAGE allowed to just rename to Ocwen and then when they were busted they changed the name to PHH. Why isnt the Federal Government closing them down and holding these servicing companies accountable? I read an article that the mortgage companies make more on over charges, unreasonable fees that its worth it to them to commit these acts and just pay a fine when they are found out and busted. I would like to see a outside audit company audit several accounts tax and see their computer programs are rigged. 
Please investigate and stop them for the turmoil and stress they are costing the mid to low class who just want to own a home for their family.. 

They refuse to take my ex-husband off the loan and have the divorce degree and a quit claim deed.

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 2016-03-02
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a charge on my account. That dispute was concluded in my favor. I closed my account fully paid off. 
Long after the account was closed ( like 5 months ) I recieved a bill for a rebill on my account. Upon calling Barclays, I was told they could not reverse the charge over the phone. They told me that I was expected to pay the amount billed and that I had authorized this charge. 
I had not authorized this charge. I asked them to read back the transcript of an earlier call. This transcript does not reflect the conversation I had with their dispute specialist. I did not give permission for a rebill.

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 2015-09-01
Company: Financial Credit Service, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I was contacted by a company called Asset Recovery Associates last week while I was traveling for work. A voice mail was left for me to call back a " XXXX XXXX '' about an important matter but it was very vague. Upon calling back, I spoke with XXXX XXXX who explained that he was calling about a credit card account I had back in 1993 when I was in college which was now up to $ XXXX. He said that even though it was way past the statute of limitations, it was going to court and I was going to get my wages garnished and this was my last chance to resolve it voluntarily. I said I wanted to speak with his supervisor and I began speaking with XXXX XXXX who said I had a choice of paying a settlement of {$2100.00} or I can pay {$300.00} per month but that would mean paying a total of $ XXXX. I said I was traveling for work and had to call back. 

2 Days later while on my way back home at the airport, I get a call from someone from my office telling me that a XXXX XXXX called, saying he was calling on behalf of the XXXX county court and that he was an attorney and that my wages were going to be garnished!!! He told this to some at my office. 

Furious, I immediately called back was treated in a very mean and unprofessional way by this undereducated thug. I insisted on speaking with his boss, XXXX XXXX got back on the phone and told me that my wages would be garnished. She bullied me into a {$1400.00} settlement. Fearing that more calls would be made to my place of work, I gave authorization for this payment and I now regret it. I have an attorney that is going to be suing them but I want to warn other people to BEWARE of this horrible company that misrepresents, lies and uses fear to steal money from people on debts that are no longer valid. 

They are located in XXXX XXXX, ILThe number that comes up on caller ID is XXXXI was told by attorney that this company has been sued 19 times for this type of thing. I want my {$1400.00} back and I am going to get it. I NEVER file complaints but once my place of work was contacted, I felt compelled to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
There Or numerous inquiries that have been posted to my account several in the same day that I did not authorize

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 2021-03-23
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter now several years ago from XXXX XXXX XXXX that indicated their intent to file a law suit over a XXXX credit card debt with citibank. XXXX, XXXX works with " XXXX '' Law group as a predatory collection agency bthat uses law suitsa to harrass and malicioulsy attack consumers who may have experienced hardships. When I contacted them abouty making small payments as I have with other creditors, they demanded I pay the entire amount or payments clearly designed to threayen and intimidate consumers such as myself. 

They showed no respect, courtesy or interest in making a small payment arrangement especially in the time of the covi d pandemic when many including myself are undergoing sigificant hardships. This company uses aggressive and threatening legal tactics, and makes no attempt to work with consumers launching into lawsuits as a way of bullying and mistreatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: SYNCHRONY FINANCIAL
State: NC
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: EMBRACE HOME LOANS
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are brothers and Veterans on this mortgage. We have fallen behind and Embrace, XXXX, has requested duplicate documentation and has denied receiving faxes. We are in foreclosure and documentation timeliness is very important.

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