BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-26
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
THIS COMPANY HAS REPORTED INFORMATION IN MY NAME WITHOUT VERIFYING THAT THIS INFORMATION BELONGED TO ME BEFORE REPORTING THIS INFORMATION TO MY CREDIT FILE AND GIVING ME PROPER TIME TO VALIDATE ANY OF THE INFORMATION BEFORE REPORTING TO CONSUMER REPORTING AGENCIES.I HAVE REACHED OUT TO THE NUMBER LISTED IN MY CREDIT FILE AND IT REACHES A VOICEMAIL OF A WOMAN. WHO DOESNT EVEN MENTION THIS COLLECTION COMPANY BY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, 2014 I terminated service with XXXX XXXX in XXXX and moved to XXXX. I returned all the equipment that I had to XXXX. XXXX claims that I did not return XXXX cable cards that they said I had in my possession. In spite of several phone discussions with their representatives where they agreed that the issue was resolved. They continue to attempt collection. They have now reported me to the credit bureaus for non-payment. I have attached XXXX letters I have written which describes the issue in more detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card
Issue: Other fee

Complaint:
I have had an account with CareCredit prior to their changing to Synchrony from GEcapital. After XXXX work a year ago, I have been paying double the minimumPayment required, regardless, once my balance fell below {$150.00} on a " promotional purchase '', I found that I was charged almost {$600.00} in retroactive interest. I understand the concept which is why I paid $ XXXX on a {$120.00} min payment. I was told I was because I was not paying enough. I have no control over how the payments are posted. This is clearly a deceptive and misleading practice propagated by CareCredit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent a letter to the 3 bureaus but they didn't respond anything. 
These are the accounts that I have disputed with the bureaus. 

XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX OF 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 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX credit card balance reported on credit creports. filed dispute with the big3. under unatherized use of credit reporting. all 10 items removed and reported back to credit report. disputed again. removed. then reported 3rd time as negitive XXXX, XXXX, transunion continue to report neg. items not belonging to me. have contacted crediter. no response. XXXX   stated they will not dispute said items again. XXXX states by law they do not have to dispute over 1 time. XXXX, XXXX  have locked me out of my account. this is my information i have a rght to view and dispute any and all information that is not correct. my family lives on the streets due to fake info on reports. turned down jobs, lack of homes due to the big 3 is not required or no laws inposted to make them do the job. XXXX XXXX breech. info provided to me that my info was lost.

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 2022-04-11
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: Reporting company used your report improperly

Complaint:
Accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number # XXXX And US DEPARTMENT OF EDU Account number XXXX has Violated my rights. 
15 USC 1681 section 602 A. 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.

Also they do not have any permissible purpose to furnish my person information to any third party 15 UCS 1681b.

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 2021-03-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity Theft Cell Phone Fraud Impersonating bank representatives Fraud Dept/Checking/Savings/Auto Claim XXXX XXXX XXXX and associates XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
An account was opened in my name with XXXX without my permission. this account was sent to collections and a collection agency called me to collect on a debt I dont owe. {$160.00} was the amount of the balance owe. the collection agency is Sunrise credit services at XXXX. I have contacted the police in regards to the issue as well.

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 2015-08-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
My complaint is with Synchrony Bank and their Walmart credit card services. I had not received a billing statement yet, but I had wanted to start making payments, so I called the phone number on the back of the card. I was told I could pay that day, that my payment due date would be the XXXX of every month and that my minimum payment would be {$25.00}. I made my payment for that billing cycle on XXXX XXXX for {$26.00}. For the last week and a half, I have been getting constant phone calls informing me that I never paid my bill. I had posted my payment online on XXXX XXXX and the money was removed from my account XXXX XXXX. The first person I spoke to about this incident informed me that I had posted a payment on XXXX XXXX but that it never went through. I have iron clad bank statement proof that it was removed from my account for " Walmart Card Services. '' After numerous confusing phone calls to Synchrony, I was informed that I made my payment too early and therefore, it did not count towards that particular statement. I am being charged a late fee, plus a back payment, plus another late fee and a negative impact on my credit report. Out of all of that, they only agreed to remove XXXX late fee, when there should be no late fees and no extra payments needed. No one should be penalized for making a payment too early and that is exactly what is being done. I doubt that I am the first person to experience something so absolutely ridiculous, but I never the less, feel that this should be brought to your attention. This is a blatant example of how hard working, honest citizens end up with nothing. I want the late fees removed. I want the negative impact this has made on my credit report righted, and above all else, I want this to never happen to anyone else, ever. How is it legal to punish individuals for repaying a portion of debt too early? If this is legal, I would like to know under what statutes of law immediately. Synchrony and Walmart should be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: Access Receivables of NC Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never had the chance to find out what this debt was. 

Access Receivables purposefully sent my debt to an address I did n't live, and even worse when they marked for collection for XXXX and again in XXXX. 

The only reason I knew this is because I pulled my credit report through the XXXX contracting bureaus. 

They 're playing with Statute of Limitations of my debt, and I 'm really frustrated with their illegal practices. 

I lost XXXX points of my credit all of a sudden, because of them. I need it back.

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: Navient Solutions, LLC.
State: TX
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:
My loan was protected under the XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX. Navient reporter my account late for 90 days in XXXX of XXXX. I disputed the late payments and nothing has been corrected. I have an federal loan through Navient. My loan has also increased during the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I am a single mother and my son was in and out of the hospital from XXXX due to breathing related issues. As a single mother, I found it increasingly challenging to provide the financial means necessary to care for him outside of my standard monthly cost of living. Unfortunately, I do not get assistance from my son 's father for his care and upbringing. This lead to some medical bills being forced into collections- some that I had no idea I owed on. Not only did CMRE have an address on file for me that is not even mine, your customer service representatives threatened me and refused to even work with me. 

I attempted to call CMRE today twice to offer payment in full for deletion, which I know is something that can be offered. I initially spoke with a man named, " XXXX '' who was rude and lacked listening skills. He treated me horribly and said it was " his choice not to remove the record from my credit reporting '' and then threatened me that if I were to call back, " I could speak to no one else but him. '' When I asked for a supervisor he informed me they were unavailable and refused to keep me on hold, noting that I was " taking up his phone line. '' When I refused to hang up, he hung up on me! This is what you call customer service? 

I called back and he had locked my account and I had to sit on hold for over 15 mins while a very nice young lady attempted to get me to a supervisor. While on hold with her, my phone rang through with a supervisor on the line from CMRE. She noted that the " pay for delete '' option ended last year and that the company would not be willing to assist me- therefore, I could pay bills that I had no proof I owed, or allow them to wait their 7 years to fall off my credit. One account is from XX/XX/XXXX and the statute of limitations has completely run out on that one. CMRE has yet to prove I owe this debt and I called the original creditor " XXXX XXXX '' and they can not even find the other bill from XX/XX/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 2016-07-26
Company: REGIONS FINANCIAL CORPORATION
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I am not able to make any kind of contact with my XXXX XXXX card of Regions Bank because I do n't reside in the XXXX any more and Regions Bank DO NOT provide any phone number that I can call from XXXX, the country I am resident now. Regarding internet, I do n't have a Social Security number, as I am XXXX. I JUST NEED A PHONE NUMBER THAT IS NOT XXXX! I can pay for the call. I need to question one debit and activate the new card, as the old one expires XXXX, but there is no way to contact them : ALL REGIONS informed phones are XXXX. In the past It was possible to call my Regions Bank branch, but they do n't care this matters any 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 non-monetary relief
Consumer complaint received 2021-03-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them, they said that they will hold my account for 180 days which is a very long time and I think it is inhumane act, I thought that I can't do anything about it because I'm a new user, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: TX
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:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: AFNI INC.
State: TX
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:
I 've sent Afni a letter asking for validation of the debt I allegedly owe them. I 've never done business with Afni and do not know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A disputed account from AFNI came back verified from CRAs. I contacted AFNI on XXXX/XXXX/2015 via email making an FCRA 623 request for verification of account, including original contract, billing and any other documentation to substantiate this account and the billing of it. I received acknowledgement on XXXX/XXXX/2015 via email that my request was received and they would be in touch with me. I have heard nothing else to date from AFNI and they have failed to delete the negative info/account from my CRA as required per FCRA 623. Since the company has failed to reply to my FCRA 623 request I have no choice but to assume they are unable to verify this account and thereby they need to remove the negative information from my FCRA as they are perpetuating adverse action based on this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: National Credit Systems,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 rented an apartment and my lease was up in XXXX I am in the XXXX and was on XXXX orders and submitted all of this in order to move out early. After doing the move-out inspection the leasing lady said I would get letter in the mail along with a copy of the inspection form. I never received it. Once the apartment starting showing on my credit report I disputed it because I was never made aware that I would be charged and wanted proof of everything. I even tried contacting the company to settle it because after 5 years of fighting it I just wanted it removed. They refused the payment. The rep gave me the info on the website of the charges I had and the letter was not sent to my forwarding address but sent back to the address of the apartment I moved out of. 

Not only are they charging me for ridiculous damages but they also are charging me for 2 months of rent when I should not have been charged at all given I have them my XXXX orders. 

The account has been deleted from one report because they were unable to verify the account as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: PRO Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PRO XXXX is claiming that I owe them {$3300.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Untimely response
Consumer complaint received 2015-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX occasions, an individual named XXXX XXXX XXXX, withdrew over {$2900.00} from our USAA savings account, into his XXXX XXXX investment account. We contacted the FBI, Federal Trade Commission, and our local police department. They are helping with the situation. But, both USAA and XXXX XXXX has been uncooperative with investigating how an unauthorized funds can be wired from our account. We have the name, and the last four digits of his account with XXXX XXXX, XXXX. We informed the XXXX XXXX personnel, XXXX XXXX, of this information and the was extremely unprofessional, and rude. When we told her of the information from our account on the individual, she said they could not find the individual due to the size of the bank. As a Retired XXXX XXXX XXXX XXXX XXXX, Media outlets would contact me requesting information on a soldier with limited information. The XXXX being much larger than XXXX XXXX, never caused me problems locating the individual, whether they were in the United States or in the theater of operation. I know that with a full name and the last four of an account number, a database can initiate a query and locate this person. XXXX XXXX would not attempt to assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-17
Company: AFNI INC.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed up for XXXX XXXX services XX/XX/XXXX through a bundle service offering through XXXX. I move during the month of XXXX and had the XXXX services transferred to my new place of residence. When I received my XX/XX/XXXX bill from XXXX I had been overcharged by XXXX {$200.00} transfer fee for services. This error in billing, which XXXX XXXX admitted to, cause an undue burden on my finances which in turn made me unable to pay my XXXX bill which collected payment on behalf of XXXX and themselves. The billing became so skewed from being over charger and XXXX putting the XXXX charges on hold to get the corrected information from XXXX, that throughout this process I got further behind because at XXXX point I was presented with a monthly bill for approximately {$400.00} when I typically paid {$120.00} for XXXX services. From XX/XX/XXXX through XX/XX/XXXX I attempted to get my billing corrected. Meanwhile I was paying late because there where wrong charges on mybil and I was unable to pay them. Finally, XX/XX/XXXX I asked XXXX to unbundle my services as I had never been more than a week late paying my paying my XX/XX/XXXX bill prior to them bundling the services with XX/XX/XXXX. Once XX/XX/XXXX unbundled my services I asked XX/XX/XXXX to cancel my services and XXXX swayed me to keep the services which I thought would be at the same rate I was paying through XX/XX/XXXX. However, they neglected to explain that I would actually being signing up for a new service contract and the rate would be nearly $ XXXX versus $ XXXX I had paid with XXXX. I found this out in XX/XX/XXXX When I objected, I was told that my service contract with XXXX had been discontinued due to excessively late payments. I explained it was their billing error that made me late and put me behind. The agent check and came back and said, " Yes, I do see where we overcharged you and then the payments started being late. However, I can not do anything about that and the billing will continue to be at the new rate plan '' XXXX said this is fraud your company 's accounting error cause me to get behind in the XXXX place and then you cancel my the rate plan I got with XXXX and say the only way for me to continue is on an increase rate plan or pay a cancellation fee of {$300.00}. The rep said, " Sorry Ma'am, there is nothing I can do ''. This past week ( started XX/XX/XXXX ) I started receiving call from a debt collector saying I now owe {$340.00}.

Company response to consumer: Closed with explanation