BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-11
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
RCI agency address XXXX XXXX XXXX XXXX, WA XXXX phone XXXX XXXX XXXX XXXX. I had a bill in collection from emergency room. I got a call from collection agency, I called them back right away and I was surprise I have medical bill at collection, it was some mistake in emergency room they did not charge my insurance or did not claim all tree bills to my insurence company. And I try to talk to people from agency and explain the situation that I already payed one medical bill and I need a time to call to emergency and my insurance company to found out what bill is it? And why my insurance did cover it. They were extremely rude, they raise voice on me, they interrupted me and told me all the time that it is my fault i did not pay my bill on time XXXX but I paid bill which i got from mail ). When I asked the name of the lady who talked to me on the phone she said her name very quickly and when I asked to spell for me she said that spelling the same as a pronunciation. She did not give her name. I asked to transfer me to she supervisor, she put on me on hold for 10 minutes and i never got the supervisor. I called back immediately and asked lady from front deck transfer me directly to supervisor, and finally when i riche the supervisor she was again the rudest person she also raised her voice. I asked her name she spell for me like XXXX and I asked she last name or number how I can identify her when I will talk to the owner of the company. The supervisor starts yell at me and hang up on me. I called again because I need to pay bill and I finally paid, but people who work at this agency totally unprofessional, rude and they will be the same way because they know I 'm customer can not do anything. Im asking you help please, check please review online how many people in the same situation like me. XXXX it was my first bill in collection, I never had even late payments ). They was treating me like some sort of criminal

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Integrated Recovery Services
State: FL
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
This number XXXX ext XXXX Integrated Services say that I got a payday loan. They keep calling my work after i told them that it was n't. They said that I was going to jail he keeps calling me at work. I asked him for his mailing address and he would not give it to me. I am going to lose my job because they call every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: CASHCALL, INC.
State: MA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I obtained the loan for {$5000.00} on XXXX XXXX XXXX. They added a {$75.00} fee to the total of the loan resulting in financing {$5000.00}. I paid {$250.00}. Monthly for 12 months ( {$3000.00} ) on or about XXXX XXXX XXXX I paid the loan off at approximately {$5000.00}. As it turns out this was a 120 month loan. Had I taken it to term I would 've paid {$30000.00} total to borrow {$5000.00}. 
Long story short .... I paid {$3000.00} in payments, my total payoff on the loan was more than I borrowed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: CASHCALL, INC.
State: PA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan for {$2600.00} on XXXX XXXX, 2012. I paid a total of {$6100.00} to Cashcall for this loan. However, the terms of the loan were misrepresented to me. The APR was 139.12 % daily which would mean that I owed a total of {$14000.00} for the {$2600.00} loan. I would not agree to that if the terms where clearly listed and explained. They later reduced the interest to 6 % daily and now they claim I still owe {$2000.00}. I do not believe I owe this balance. Payday loans are illegal in Pennsylvania also I have already paid back the loan plus a reasonable interest rate on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: SYNCHRONY FINANCIAL
State: MN
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:
Missing XXXX $ credit card sign up bonus after meeting terms ( {$1000.00} Spend  ) Here are the terms : XXXX XXXX XXXXXXXX ThXXXX XXXX  Credit Card lets you earn custom cash back to send, spend, or even to auto-purchase the crypto of your choice from your XXXX account. Syncing seamlessly with the XXXX XXXX its the simplicity, convenience, and fun you know and love only more. 
For a limited time - score a {$200.00} cash back bonus after you spend {$1000.00} in the first 6 months of account opening. * Apply now through XX/XX/XXXX to be eligible for the {$200.00} cash back bonus. Subject to credit approval. See terms below. 

*To qualify for this cash back bonus offer, you must apply for a XXXX  Credit Card account by XXXXXXXX XXXX XXXX on XX/XX/2022, and subsequently be approved. Offer may only be redeemed by the eligible participant, such eligibility to be determined by XXXX  in its sole discretion. Cardholder must make net eligible purchase ( s ) ( minus returns and other adjustments ) of {$1000.00} or more with their XXXX Credit Card within 6 months of account opening in order to qualify for the {$200.00} cash back bonus ( maximum of one cash back bonus may be earned per person ). Cash advances do not qualify towards the net eligible purchases of {$1000.00}. Fulfillment of the cash back bonus via an automatic transfer to the XXXX account will occur no later than 45 days after net eligible purchase qualification threshold is met. Both your XXXX account and the XXXX Credit Card account must remain open, be in good standing, and not become delinquent at the time the cash back bonus is awarded. Once reflected in your XXXX  account, use of the cash back bonus is subject to the terms of your XXXX account. This promotional offer is in addition to and does not replace the Cash Back Rewards program as detailed in the Rewards Program Terms.

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 2020-06-13
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: Investigation took more than 30 days

Complaint:
The company has repeatedly ignored the issue of multiple complaints. See complaint IDs : XXXX XXXX XXXX XXXX XXXX The company was originally provided with all necessary information to verify that I am the account owner, but has refused to allow access to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: BC SERVICES, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
BBVA had a free bank account with no minimum. They apparently got acquired by PNC. I was not informed about this well enough. Account was forcibly converted to PNC account. 

Suddenly I start getting emails saying your minimum account balance is low. I thought it was a scam at first since I dont have a PNC account. 

2 weeks after I get a message saying my account was negative and that I will be charged a fee for account being negative. I immediately transferred {$2.00} to make up for the fee they charged. 

The kicker- the fee was for paper statements. I was enrolled in Paperless statements with BBVA and of course PNC being scum decided not to honor and likely charged millions of customers {$2.00}. I then begged them to close the account and they refused. 

I have been trying to get the account closed with no end in sight right now and still being threatened to be charged a fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-02
Company: Convergent Resources, Inc.
State: CA
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:
Sent a letter stating that I owed money on a debt that is past the statue of limitations. The debt is 4 1/2 yrs old they can not collect on this debt anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XXXX ALERT XXXX XXXX ACCESSED MY ACCOUNT XX/XX/2018 See attatched XXXX BREACH NOTIFICATION. WEBSITE NOT ADA ACCESSIBLE TO REPORT. XXXX IS NOT WCAG 2.1 ADA COMPLIANT. I have XXXX XXXX XXXX. This site would not set proper dates. I was una ble to attatch documents or record data
. IT REQUIRED ( hand movements ) no screenreader I have on my XXXX. AM I A ROBOT could not perform MY XXXX   UNABLE TO PERFORM I AM ABLE TO SEND DOCUMENTS TO CFPB WEBSITE. I LOST {$8000.00} ON TWO CARDS *XXXX XXXX NO ACCESS *USAA NO  XXXX. See attatched FTC ID THEFT case XXXX. NO ACCESS TO RESOLVE FRAUD WITH BANKS OR XXXX.CALLED ON PHONE ALSO TO NO AVAIL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
New York  and company never sent me a bill. I know I had to make the payment I called and made the payment. The following month they said I was late. Technically I was late I made the payment before time so they applied 2 payment for the same month. When I tried to clear it with them they said they cant do anything about it. They closed the account I dont owe then and they still havent removed the late fee. This causing a problem on my credit report. I need to purchase my first home the American dream and I cant do that because of a {$25.00} dollar payment they considered late that technically was not late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A XXXX  delivered me garnishment papers on XX/XX/21 from Capital One, for a credit card debt for an extremly high balance and my credit limit wasn't even half of the amount they are requesting. 

Not only am I currently unemployed due to XXXX ( and I just lost a family member due to XXXX ), but I have NEVER been contacted by mail, email, or telephone prior! I never received a bill, statement, or settlementt offer for this debt! I checked my credit reports, and this card shows as a charge off on my credit report over XXXX years ago, plus it is past the statue of limitations. Before I hire an XXXX, I would like to dispute this debt, stop the garnishment/lawsuit, and have it removed from my credit files with all credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Per my recent credit report  XXXX  pulled a hard credit check on  XXXX / XXXX /   2016  and opened an account in the sum of {$270.00}.   XXXX  The reported address is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , IL  XXXX .   XXXX  I did not open or request 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 explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: PA
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:
I applied to XXXX XXXX business card. It never stated they would perform a hard inquiry on my credit. It stated there would be no affect to my credit score. After i submitted the application a hard inquiry was performed and i was denied. This is misleading business tactics.

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 2020-05-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There were 3 check deposit into my sons minor acct ( 1 of {$200.00}, 1 of {$160.00}, and 1 of {$40.00} ) which equals to an amount of XXXX.. the check have blank names on the area where it says pay to the order of.. transaction was done in XXXX and we live in XXXX.. right after the deposit was made there was a XXXX transfer of {$400.00} which is the same amount if the checks they had deposited ... the bank says they have investigated and that everything points it was an authorized user.. but this is obviously fraud and it was their mistake

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 2020-06-13
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I received a XXXX device and while trying to set it up I was told to call this number and they charged me XXXX to register the XXXX. Then I contacted XXXX because they seemed very suspicious and I was told there is never to be a fee to register my XXXX and this was a scam. I have disputed the charge with my bank and I want to make 100 % sure that my bank refunds my 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 explanation
Consumer complaint received 2020-06-13
Company: HUNTINGTON NATIONAL BANK, THE
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:
On XX/XX/XXXX I was told that I could make a {$1000.00} dollars and all I needed was to give the person my debit card and pin number. I did so and around XXXX XXXX that morning I had {$990.00} in my account, the person told me to send {$670.00} through XXXX XXXX and XXXX XXXX and that more money would come later. I did so and later that day my Huntington account was locked I called to see what was going on and they did not give me much information just that in a few days they would be able to tell me what was going on. About 5 days later I got a text alert from Huntington stating I was in the negative {$1000.00} dollars. I called up there later that day and they said there was nothing they could do. I called on 3 different occasions hoping to get a different response but each time same result. On XX/XX/XXXX I got a letter in the mail XXXX XXXX XXXX stating I owe the above balance. Today I was starting a payment plan to pay the debt and a friend who was a victim of the same scam told me that he disputed the debt since he was a victim of fraud, and his bank account was closed and his balance was reset to XXXX. Which I did not know you cold do up until now since I was told there was nothing I could do by representative at Huntington.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: CASHCALL, INC.
State: AZ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
In XXXX XXXX I received a loan for {$2500.00} from XXXX XXXX XXXX that i planned on paying back within 2 months. I did n't get paid by employer what I was supposed to ( won a judgement against employer in XXXX XXXX ) and was n't able to pay the loan off immediately. The loan was serviced by CashCall ( a subsidiary/affiliate/shady partner of XXXX ) and eventually was transferred to XXXX XXXX ( another shady affiliate ). I made monthly payments of {$290.00} for 12 months. This amounted to {$3500.00}. About this time I did some research wondering why XXXX different companies were involved in the loan. That 's when I discovered all the different complaints and lawsuits and legal issues with the XXXX companies. I also found out that recently XXXX XXXX XXXX website had been shut down and had US government agency labels on the site. I decided that obviously they are n't doing things legally so I stopped paying. My credit was n't good so I did n't care, I knew I just could n't keep paying that amount, I was raising a child at the same time. I cancelled my bank account. The harassment came almost daily. Phone calls everyday, emails, and letters. I eventually told them they had the wrong number and the calls stopped. Eventually it came down to an email every other month offering a settlement with an ever increasing outstanding balance. Now it is XXXX XXXX and i am trying to qualify for a mortgage and this is hurting my credit which is now much better than it used to be. 
The entire loan was null and void from the beginning. XXXX XXXX XXXX was issuing loans that were illegal in their state and in my state of Arizona.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 reviewed my credit report and it is reflecting a Bankruptcy which is in error as I have never filed for bankruptcy. The docket number reported is 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 2020-05-29
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IThis debt is not mine I have enclosed proof of my identity and a copy of my FTC 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 notify [ the business where the account was opened ] and tell them the debt is the result of identity thef I have enclosed a copy of the Federal Trade Commissions 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 : 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 : Inform me 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.

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