BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for credit with XXXX on XX/XX/2021, through their financial institution, Synchrony Bank. Well, I have a fraud alert on all three bureaus and this was completely ignored by this creditor. The inquiry went right though without any hesitation. Nor did I receive a call to verify that the person applying for credit was indeed me. As a potential victim of identity theft I find this quite disturbing. Upon trying the reach out to them the only number I was a customer service number and nobody could point me in the right direction.

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 2021-09-30
Company: EQUIFAX, INC.
State: GA
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 noticed fraudulent inquiries on my credit report that I did not authorize. I attached my State ID and my Identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
account number XXXX open XX/XX/2016 {$2100.00} this account is a fraud account open by someone who stolen my identity, fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-01
Company: Dyck-O'Neal, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For 1-1/2 yrs ( est. ) Dyck O'Neal Inc.- a debt collector ( Texas addresses ), has repeatedly left the following message : " We have an important message from Dyck O'Neal Inc . This call is from a debt collector. Please call XXXX. '' Always the same words spoken in the same female voice, left on our home voice mail. We ran a Credit Report and found no unsatisfactory ratings. No one has been trying to collect debt from us, to our knowledge. We 've followed advice to avoid communicating directly with the company, and are attempting a solution through the Bureau of Consumer Finance. [ I was distressed to learn that debt collection businesses are exempt from restrictions on telemarketing ( which is what this sounds like to us ) - i.e., it is legal for them to ignore the Do Not Call Registry. ] We are looking for an answer to this recurring annoyance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account for some time now with AFNI. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. They have responded to my dispute and have verified this as an open account but they have failed to provide sufficient documents that show if I am the true owner of this account and debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I was under the impression that if they did not have valid proof that this account belongs to me that it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: CIG FINANCIAL LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I purchased a Chevy HHR for {$8000.00} and financed the vehicle through CIG financial in XXXX of XXXX. I made XXXX payments @ {$260.00} = {$4900.00}. My ex husband took over the car & payments as his name was on it and he could afford it. However, he made no payments. Sometime in XXXX, I started receiving harrassing calls from CIG, which threatened me with criminal action and incarceration for theft, although I was not in possession of the vehicle. The balance CIG claimed was owed on the vehicle was {$5200.00}. they claimed that the I had to pay not only the balance owed, but legal fees since they stated they had initiated legal activities against me and/or my ex-husband. They demanded {$500.00} up front, and monthly payments of {$250.00}. Although I am a single mom, with a child whose medical bills for XXXX totaled {$85000.00}, I took possession of the vehicle, paid the initial {$500.00}. I made XXXX payments @ {$250.00} = {$1700.00}. In XXXX, XXXX, I received a letter from CIG, offering to settle the account for a lesser amount, at lower payments. I immediately contacted them. the representative I had been working with, XXXX XXXX XXXX, tried to threaten and intimidate me into continuing with the original agreement. However, since CIG had offered me this agreement, I stuck to my guns and we changed the contract, so that my monthly amount was now {$160.00}. Although the payment was lowered, the amount owed was not reworked as promised. I made XXXX payments @ {$160.00} = {$340.00}, bringing my total payments to {$2600.00} + XXXX = {$7600.00}. In XXXX of XXXX, the vehicle was totalled in an accident. My insurance company, XXXX paid CIG financial {$2600.00} to settle for the vehicle. This makes the total paid out for the vehicle {$10000.00} I have since recieved letters from CIG Financial threatening me with legal actioin and claiming that I owe a balance of {$2800.00}. They have destroyed my credit, as they refuse to show that any payments have been made on the vehicle, and are showing it as a repossession ( it was never physically repossessed ). They said that even if I paid it off, it would remain so. They have further made XXXX unauthorized hard credit inquiries to my credit report, two within a week of each other. I am frustrated and at the end of my rope ; I do not know what else to do. I have been nothing but cooperative with this company. The payments I made after recovering the vehicle from my ex-husband were made as agreed ; none were ever late. This situation has caused me is XXXX ; I ca n't afford the {$2800.00} and I have no idea what I need to do to put a stop to this.

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 2016-11-30
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
This account was a joint credit card with Discover card the account was to increase my credit score. I did not use the card nor did I have a card to use. The primary card hold was doing me a favor, but ended up hurting me. I 've been trying to get my name removed from this card and trying to get it removed off of all my credit reports. The primary card holder abused the card and was n't paying the monthly payments. The only way I found out that the bill was n't getting paid I download an app to see how my credit score was looking boom it popped that the account I have joint with has n't been paid for months and that it was maxed out. I am trying to buy a house with that joint account with her it 's preventing me to accomplishing my goal in purchasing a home. Can you all please do something to get that account removed from my credit reports and taken. I 've have lost large amount of money trying to pay this off on something I did not use. Its to the point now where I can not continue paying for something I did not use or have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: DISCOVER BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened checking account with Discover Bank and fully expected {$300.00} from signup bonus. Emailed Discover twice, said I was eligible and that they were looking into it by escalating my issue. Waited for 1 month+ expected bonus post date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-24
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our homeowner 's insurance has not received their payment and it is overdue. Our mortgage servicer has not provided proof of cashed check. To avoid cancellation of our insurance we went ahead and paid our insurance. Insurance and taxes are escrowed so this should n't have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was stolen and used for a utility bill Ive been XXXX  too many times to even have any debt owed. XXXX XXXX is the dates they have down Ive been in North Carolina for 3 yrs. The amount 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 2017-03-13
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received communication from Discover Card that they had removed or discontinued some sort of consumer protection service from my account that I had no idea had been activated. When I researched the issue, they had been charging me for more than 50 months for something I knew nothing about. When I called to have them remove the charges from the card, they said they would only remove 6 months worth. I asked them to produce some form of documentation showing where I had signed up for the service and they could not. I would like those fees refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Advanced Financial Company
State: CA
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:
This is regarding maintenance fees for our timeshare. and Advanced Financial out of XXXX, CA. We were on auto payment and with no notice the company took us off and sent us to collection, XXXX XXXX XXXX in XXXX, CA. We have XXXX timeshares and they were both on auto deduct and the payments were about {$7.00} different from one another so we did not notice that they had stopped. We received 2 calls and collections was NEVER mentioned. They sent us to XXXX XXXX credit who is charging us more than 50 % in fees plus interest of the total amount due! How is this legal. So many industries are regulated and I find it hard to believe that they are n't. This is like loan shark fees I can imagine. We never signed anything agreeing to these exorbitant fees. We owe the money and would like to pay it but Advanced Financial wont take any payments and in the meantime they are setting us up to fail. We believe these are UDAAP violations and that they want our time share back and are forcing our hand. The more time that passes the more the money adds up that we owe them. We were on a monthly since that is easier than having to come up with a lump sum. Looks like they are getting their way so far.

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 2015-04-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I applied with my bank that has repeatedly lied and said no adverse information is reporting as a result of identity theft. I still maintain and have open accounts with Wells Fargo, NO ADVERSE INFORMATION THEY PURPORT XXXX TIMES TO THE CFPB HAVE BEEN REPORTED INTERNALLY OR EXTERNALLY. IF I HAD THE CHANCE I WOULD UPLOAD THE DOCUMENTS, I APPLIED FOR A WELLS PROPEL CARD ONLY TO BE NOTIFIED THAT IT WAS SOLELY REJECTED FOR MISHANDLING OF FORMER ACCOUNTS. I AM XXXX OF IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit report showing Ehanced Recovery Company reporting as of XX/XX/2021 {$440.00} XXXX XXXX debt ; however, debt was sold and paid with another company, XXXX XXXX XXXX. We have contacted Enhanced Recovery Company and they ignore deletion requests. They admit they no longer own the debt and that debt was recalled by XXXX ; however, they ignore requests to delete this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been trying to dispute this company for a while, Ive never ever in my life live at these apartment, I am willing to do whatever I can to proceed with an investigation, I used to live in XXXX back around XXXX I was searching for apartments and the front desk specialist that assisted said they have available units which I was excited, and filled out a application providing these people my social security number and ID was a big mistake, they never wanted me to see the apartment, and I was never giving a key but I did give them a holding payment of like 3-400 dollars I never got that back, because again I never move in and was never given a key, so while I was waiting for the process I just so happened to get off work one day to check out the apartment that the specialist said was available, come to find out the apartment had mold, infested with roach XXXX and the entire apartment smelled like roach spray and paint. So now I see why they never allowed me to look at the unit, they wanted to lock me into a deal without seeing it, I called them the following morning and said I wasnt happy with the what I seen, so it made the renter specialist upset and threatened me by saying if I dont move in hes going to sue me and take me to court. That was way back in XXXX how can I be charged for something thats pure fraudulent as this situation. Thats not right. I need help please I beg you to look into this matter I will do whatever it takes to show that I never live there, nor moved in or even had a key. 
Source : XXXX  Date Submitted : XXXX  XXXX, XXXX Report Number : XXXX Account Number : XXXX Company : 
FIDELITY CREDITOR XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX : XXXX ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am a victim of identity theft my wallet with all my personal information was stolen and used to open unauthorized accounts. Enclosed is a copy of my police report and proof of identity. 
XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX Are accounts open due to identity theft.

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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FTC VIOLATIONS

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 2021-09-30
Company: EQUIFAX, INC.
State: DE
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:
Reference # XXXX, concerned that my issue is not resolved. The company has not disclosed to me who is their data furnisher. I requested for verification, validation and certification of data source for the inaccuracies on my credit report. The company did not answer to my request but was able to respond with jumbled up words cut and pasted from their existing template. 

I demand that information referenced herein be deleted because they have not disclosed who furnished the bankruptcy information on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This debt collector, XXXX previously calls Progresso Fiananciero, calls 5 or more times a day from different numbers. When I have answered and explained my situation they always force me to make a promise payment, and when obviously it is n't kept they note it as a broken promise and pretty much throw it in your face and against you. I 've expressed my apology to failure keeping my loan on track when i understand i commited myself to it, yet they will tell me. " Well you compromised to the loan and your are not complying '' Recently they contacted multiple times my references who i was told were only for reference purposes. They are fustrated with me already. I am facing a nerve breaking point full of stress and i cant do it anymore. Help im tired of their harrassment asking every time why haveny i paid. I explained my grandmother passed away, my mother due to that faced health complications. During this time i faced a cut of hours at my job. To top things we had to leave our home because it did n't comply with city safety regulation. I turned homeless for a short period and they dont seem to understand that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: EQUIFAX, 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:
Hello, I have recently been laid off due to the COVID-19 Pandemic. I am no longer a college student and was working full time. My loans are now in forbearance which I'm grateful for. However, I was not aware that I had upcoming payments due and that I was coming out of grace period. This was due because I rarely use the email that is on file in which FedLoan sends those alerts. As a result of this, I was reported missing XXXX payments which dropped my score by more than 100 points. Once I discovered I was out of grace period I immediately got caught up on my payments and enrolled in autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: United Collection Bureau, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called my phone 3 times in a row this morning after they got no answer. I am terminally ill, considered XXXX by the federal government, meaning I am on XXXX. I only answered because I assumed it was one of the companies who monitors my implanted XXXX XXXX  trying to warn me of an issue after the 3rd time in a row only to find these vampires on the other end. I also have received no written letters or conformation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: NC
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 have an  XXXX  credit card with  XXXX    XXXX   and in  XXXX  my credit limit was increased from {$300.00} to {$1000.00} and the credit limit increase has not been reflected correctly with  XXXX  or Equifax fast the past few months. I have called  XXXX   XXXX  for the past 2 months and they told me it was reported correctly but the latest update to the credit bureaus on  XXXX   XXXX ,   XXXX   still reflects a credit limit of {$300.00}. I have sent online disputes as well as a dispute vi a US m ail to both credit bureaus and the response from both credit bureaus indicates the credit limit they are reflecting is what  XXXX    XXXX    submitted which is {$300.00}. I am getting conflicting information from  XXXX   XXXX . I am just simply asking that my credit limit be recorded and reflected correctly which is a credit limit of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased my vehicle XX/XX/XXXX. I started my chapt XXXX bk XX/XX/XXXX my chapt XXXX bk was approved XX/XX/XXXX. It is my understanding that when you are under bankruptcy protection that the loan or finance company can not charge you any fees or accelerate your interest while under bankruptcy protection. 
My loan is due to end as of XX/XX/XXXX. I was just told that my payoff is XXXX this is incorrect. I was also told that this is additional fees and interest charges.

Company response to consumer: Closed with explanation