BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-18
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2020, I decided to purchase a NordicTrack XXXX treadmill from Best Buy for {$3900.00}. I noticed that there was an offer almost matching XXXX and decided to purchase from Best Buy as I enjoy doing business with them ( until now ). I  followed their instructions to sign up for a Best Buy Credit Card, got approved, and executed the order with " 24 month 0 % financing '' option chosen. 
Immediately after the order was processed, I received an email saying there was a " problem with my payment authorization ''. I could not reach anyone via Chat to help me so I decided to call on the next day. 

XX/XX/2020 -- I called into the Best Buy help line, they redirected me to what I believe is Best Buy Card Services. Card Services told me 'let us help '. They told me " oh, your credit limit is only {$1000.00} '' which is completely non-sense as I have a XXXX credit score and extremely healthy finances. They told me the only way to make this work is a credit limit increase and they would do that now and get back to me. Nope, no credit limit increase was granted SHOCKINGLY, and so here I am with a hard hit on my credit at least once for a credit card I never wanted, that was only signed up for to fulfill a 24 month 0 % financing offer that doesn't even exist. 

This is outrageous. Best Buy should be ashamed.

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: WV
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:
All credit reporting agencies are missing monthly status reporting history from over XXXX student loan accounts, credit cards and missing correct address information and its not producing a credit score even when viewing with credit freeze code and/or temp lift to view 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 non-monetary relief
Consumer complaint received 2018-05-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XXXX - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2020-08-10
Company: Diverse Funding Associates LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I was furloughed from my full-time job due to the Covid-19 and I wrote my part-time job to informed that I would not return to work as well. I applied for unemployment on XX/XX/XXXX, because I received a letter from my full-time that I would be furlough till XX/XX/XXXX. I got approved for unemployment on Effective XXXX XXXX - XX/XX/XXXX but no longer receive due to returning to work at the part-time job. However, due to Covid-19 my full -time position was no longer needed per CFO. I decided to return to my part-time job on XX/XX/XXXX. Well on XX/XX/XXXX, I received a letter that my pay check will be garnish on XX/XX/XXXX and I was never at work to received the Process of Garnishment letter because I was out on leave and I was unable to respond in the 30 days time frame to the Debt collector. Now I am being garnish for {$6000.00} and not able to reduce the percentage. I feel that this is unlawful and I never even sign any court documents in the first place to even get my wages garnished or to know that my wages will be garnish. I feel that both parties should be held responsible.

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 2020-08-10
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2020 in viewing my credit report I submitted a dispute regarding a fraudulent charge and requested this very old information be removed, XXXX responded by deleting, as a result my credit score increased. However, Equifax did opposite, dropping my score by 21 points. Both phone calls their agents directed me to " Obtain a Credit Counselor ". I find this scandalous. First your agency drops my score  then your direct me to a paid ... No other changes were made to my report within this 9 day period. Equifax offerred NO other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is concerning a false bond that was posted for my daughter my daughter was giving a XXXX term of XXXX XXXX but served a year in county XXXX when she was released there was a two week delay in processing her out I went to a bondsman for Assistance he stated that She had no bond and she was released but there was a hold up in her being released he stated that he could post a bond anyway and get her out me being ignorant to the bail system I gave him {$1000.00} to post bail she was released without bail he acted like he bonded her out but she was released because your time was done he also stated that when she was released she could put the remaining money owed to him in her name and she would be responsible to make the monthly payments my daughter was fully exonerated on an appeal and all charges were dropped he falsely posted a bail that was not needed and now it is appearing on my credit report this Was bad business and an injustice. She had Filed a Habeas corpus complaint that is the reason her release was held up but initially she was released and didnt need bail The debt was sold to AWA collections and its {$8900.00} this was from 2015 Interests applies daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: The CMI Group, 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 an unverified account from CREDIT MANAGEMENT. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT 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 CREDIT MANAGEMENT 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 non-monetary relief
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPT ED XXXX XXXX {$17000.00} XXXX XXXX $ {$16000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX {$210.00} XXXX XXXX   XXXX {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2010 I became 120 to 149 days late on my mortgage and ended up with a large amount of fees that through this agency was reduced from {$22000.00} to {$7200.00} in unpaid fees and late charges. They said the fees were past due interest moved to the end of the account and called 'fees ' to avoid capitalization or further interest.I asked for a detailed breakdown of those charges and never really received one though I did get the reduction. That still seems too severe to me. My mortgage rate is 11.88 % and if that is applied to the full {$1400.00} Paid each month over 6 months it comes to {$2700.00}. If the late fee was {$57.00} a month that comes to {$340.00} and added to the to the above lost interest and that would come to {$3000.00} which would still be outrageous since that looks to be 400 % a year in interest but is also {$4800.00} less than what they say the fees are. 

I have tried to be reasonable and now have come to the end of my patience. Because Wells Fargo set me up with a Forbearance Agreement ( that does not qualify for a HARP loan ) though HARP Loans were available, because this affected my ability to refinance and effected my credit, because it has limited my financial ability to make improvements in my house or other financial investments, because it has limited my ability to find more satisfying employment, and because this has taken time and energy and has been so stressful I demand Wells Fargo either take {$60000.00} off the equity of my mortgage or give me that sum in cash. If this is not provided within 30 days I will consult with an attorney and ask for considerably more.

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 2020-08-10
Company: I.C. System, Inc.
State: OH
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:
This is not my account. I'm unware of this account and did not have the opportunity to dispute before this information was placed in my credit report. 

Please provide the validation of debt, method of validation and assignment of debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: UT
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:
Equifax continues to keep comments about a dispute that never occured and continues to dispute my current student loan which I DID NOT DISPUTE NOW OR EVER!!!! I want those comments pertaining to a dispute removed and them to CEASE AND DESIST contacting my student loan lender! The account is with XXXX XXXX and on FOREBEARANCE! They recently sent me a report showing the comments again. I ran my report today and comments still remain! I knew they wouldn't correct an ERROR THEY MADE! If those comments are not removed and the actual status of my loan reported, I will send everything to civil court to file suit and will not warn or ask Equifax to correct this again. I'll sue for {>= $1,000,000} for the harm they've done over the years including, allowing my identity to be stolen for which my information is constantly being passed around on the dark web. I have the alerts I've received about that to include in the suit. Correct this to show my loan in forebearance or be sued! I won't hesitate or give you another opportunity to correct this. Consider this your last warning! Remove that XXXX & XXXX outdated inquiry too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a credit card from XXXX XXXX XXXX XXXX XXXX # XXXX. Because of my financial hardship, I stopped the payments of my credit cards in 2018. This yrs I am working so I called my credit banks to make some payment of my card debt. It was sold to Midland Credit Management. I made an arrangement agreement for the amount I can afford until it's paid in full. They also mentioned that I owed {$340.00} in the other card account from the same bank the XXXX. I said right away that isn't mine because we already discussed the payment on the card that I owed. I only have one account with XXXX XXXX XXXX. I disputed that one. They said they will put in dispute. Last XXXX, I got another letter and a statement of the credit card I signed the form disputed and mailed back to them. 

I got the same statement from the same card today. I called and I told the female Rep. with XXXX accented that this account is not mine why would XXXX XXXX XXXX give me two accounts? I mentioned that more often when a card is compromised the credit card companies will be closed the account and issue a new one. But I only have one account with XXXX XXXX XXXX. She then told me that since you were disputed this charge that you need to provide me a copy of a police report that I disputed this account. I am not going to waste my time going to the police Midland Credit Scamming me and I am the one who provides proof of the card account that isn't mine. 

This company makes me angry stressed out and to waste my time and energy for talking to them, I am working to pay for the bills that I owed. Someone has to stop these people from committing this kind of fraudulent activity consumers and how many of us never report them like I am doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Razor Capital, LLC
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:
Hello, I paid my collections for razor capital off. The issue is Razor capital and XXXX broke the law. Legally if the account is sold to the original corrector, I am not liable for that debt. I only paid it because they were threatening to take me to court, threatening to come after me, threatening to get police involved. They broke the The Fair Debt Collection Practices Act! These are all violations of U.S Law! 

Per 15 Us 1692c : a debt collector may not communicate with a consumer in connection with the collection of any debt. I was sent paperwork by mail, they blew up my phone everyday. I felt harassed, scared, stressed out!! They also called me before XXXX and after XXXX which is against the law!!!! 

The information on my XXXX  report and XXXX  report are being reported inaccurately and does not have the same information. If your fail to communicate to the consumer reporting Agencies that this company broke the law, that would be a violation Pursuant 15usc 1692e8- False or misleading Representation! 

Per US LAW a consumers debt is not allowed to be communicated unless I gave consent. I never gave consent for Razor capital to contact me! Look at 15 U.S 1692b. 
I was also represented by an attorney and they still illegally was harassing me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPT ED XXXX XXXX {$17000.00} XXXX XXXX $ {$16000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX {$210.00} XXXX XXXX   XXXX {$16000.00}

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 2022-01-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied to Sam 's Club Credit Card issued through Synchrony Bank. They have sent me an adverse letter, denying me credit due to " too few commercial credit card accounts '' and that is bull XXXX. I am the natural consumer and I am the one who is supplying the credit. Synchrony Bank does not issue out credit, they just extend MY credit back to ME. They are supposed to be following the Fair Credit Opportunity Act, but they are discriminating against me. I am a " applicant '' pursuant to federal law, and in good faith I exercised my RIGHT to obtain credit under the Fair Credit Opportunity Act, and they unlawfully denied me credit.

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 2015-09-18
Company: Kriya Capital, LLC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection bill from Credence excellence beyond belief XX/XX/2015 on behalf of XXXX XXXX XXXX. I called Credence because I had never heard of either and wanted to know what this was about. Upon speaking to agent I was informed this was a medical debit for a XXXX XXXX visit for XXXX XXXX XXXX. I informed them I did n't know this person and he kept asking if he was my child. I told the person no and asked how they got my name and address and how could someone go to hospital and use name without I.D . He also informed me this bill was acquired at XXXX XXXX and they could not give me anymore information since I was not the person seen in hospital because of HIPA laws. I told him I had never received a bill from Research and found it laughable that they would quote HIPA and wanted me to pay a bill. After going round and round he finally apologized when I told him I would contact XXXX XXXX and said no further contact would be made. Well yesterday I get another bill for same thing but a yellow slip accompanied the bill stating they made a mistake with first settlement offer and this was a corrected XXXX and told me to disregard letter dated XXXX XXXX, 2015. These people are crooks and a joke. I contacted Research Medical the next day after I spoke with Credence and was told by a person in billing that they never heard of Credence nor XXXX and that they have a list of collection agencies they use, and that there is no debt I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: The CMI Group, Inc.
State: IL
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:
Called XXXX verified they sent me a letter verifying this account was closed in XX/XX/XXXX. I sent it to credit Management they changed it on all 3 credit reports only to turn around and change it back to XX/XX/XXXX. This account is from XX/XX/XXXX they are reaging this bill twice now.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-28
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked JH Portfolio to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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 2015-10-18
Company: Credit Systems International, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I pulled my credit report and noticed that Credit System was reporting on my credit report, I never received an early warning notice, I sent a notice to them letting them know that I never received an early warning notice and how can they place it on my credit report, no response, they just continue reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
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 belongs to someone else

Complaint:
Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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