BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-19
Company: SYNCHRONY FINANCIAL
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX took a payment for {$3200.00}, XX/XX/XXXX took a duplicate payment for {$3200.00}. I called and spoke with a rep ( XXXX was her name ) and she told me they should have not been able to take the duplicate payment as my balance was {$0.00} but they did. I have called my bank to dispute the charge also as the rep advised me to do.

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 2017-09-26
Company: CITIBANK, N.A.
State: IL
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:
I have on numerous, document occasions, attempted to resolve the unfair and deceptive practices performed by Citibank. Despite refusing to provide the bonus offered in unsolicited advertising sent to me, Citibank continues to send me unsolicited offers for similar cards for which I have no idea whether they will honor or not. 

This is unfair and deceptive. I require you provide the advertise offers you send me. 

If you make a mistake and send me offers which I then respond to, you should acknowledge your mistake before I meet my end of the implied contract. 

If you can later determine I am ineligible, do not send me the offer in the first place. 

Please provide appropriate restitution for your actions.

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 2017-09-26
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX/XXXX/XXXX, my sister received a call from XXXX XXXX XXXX on her cell phone ( XXXX ), from the phone number XXXX ( XXXX ) XXXX. Her number was obtained illegally by this company, and as she is my step sister, we do not even have the same last name. This is a violation of my privacy and hers. She is in no way associated with the account that is in collections and should have never been contacted. I informed the company of this and instead of responding to my complaint, they continued to discuss the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: BARCLAYS BANK DELAWARE
State: GA
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:
this debt was part of identity theft, I do not owe the debt, have tried to resolve it several times with written documentation.

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 2022-04-29
Company: Genesis FS Card Services, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My formal complaint about this account, CB INDIGO XXXX, for reporting false information on my XXXX XXXX XXXX XXXX and XXXX credit reports. It also mentions in the credit report that this account has previously been sold to a collection agency but never states to which collection agency, and yet they're still reporting. 

The FCRA law requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate or that the furnisher has reasonable cause to believe is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: JPMORGAN CHASE & CO.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XX/XX/2021 I received 2 letters from Chase regarding my two credit cards. One, the limit was lowered from {$5000.00} to {$1200.00} and the other limit was reduced from {$12000.00} to {$5900.00}. They claim this is because my usage on other cards. By lowering my limits, they are increasing my usage on their cards and adversely effecting my credit score. I have been a customer for many years and I've had these cards for several years. Not only is it an oxymoron to lower my limits causing 90 % usage on their cards because usage is high on a couple other cards, but also because they boast about closing the wealth gap and all their doing to help people of XXXX. They just single handedly took my credit score from good to either fair or poor once this reports. You can't do anything with bad credit, which is what they're doing to me. Then the smugness of the rep, XXXX to tell me she's the final say and her boss won't change anything is CRAZY. They pulled my report ( adding an inquiry when too many inquires was one of the reasons stated for lowering my limits ), asked me questions about 4 of my accounts in which I was more than honest. I'm being punished for taking advantage of 0 % balance transfer, vehicle loans, and 59 % usage on one of my accounts. Disregarding the fact that 5 companies have increased my credit limits in the past two months. They supposedly did a thorough review, but it doesn't matter that my balances go up and 6months or so later go back down. It doesn't matter that we just sold a car and received a {$25000.00} check to pay down debt. It doesn't matter that we just spent {$12000.00} to purchase a house. It doesn't matter that we have 2 rentals that pay our mortgage. All the money they've made during this pandemic and their empty promises to help close the wealth gap makes them a fraud. I didn't get bailed out as they did with MY tax money. Yes, I was a day late on my payment 3 times, but I guess people aren't allowed to forget things when they're going through stuff. Two of the times I was on leave from my job, in XXXX and going through XXXX XXXX. They knew they were going to tell me no before they pulled my credit and asked my a bunch of very invasive questions about some of my other credit accounts, questions my mortgage company didn't ask me. They never answered my question wondering if they'd lower my limit again for these same reasons when these accounts were paid. The only answer smug XXXX gave me is that they wouldn't make my accounts negative ... that's not even what I asked. Chase reported a net income of $ XXXX in the XXXX, at the height of a world wide pandemic, but they want to mess with the little people like me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have 4 Authorized Credit card. XXXX is the only credit report they dont have it. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Exeter Finance Corp.
State: IL
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 decide to purchase a vehicle for my wife but found that my information was misused by the credit finance company Exeter Finance LLC. I disputed the information with all 3 credit agencies. Still there has been no change. Im a twin but the information that was used belongs to me. I called this auto finance company twice trying to work the situation out but it didnt work. 

I even went to the car company XXXX XXXX located in XXXX, Illinois they wont nothing to do with the situation. They also told my twin it needed to be refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Physicians & Dentists Credit Bureau
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Agency called me on XXXX/XXXX/2017 and left a voicemail message. Returned the phone call and requested to not be called, as I have received no validation via mail. The women said my number would be removed. She then called my husband and asked him for my phone number and lied telling him that she had important information regarding a XXXX  appointment. Then called me three more times and each time I informed her she would not be reaching the person she was attempting to contact and to do not call my phone number and that I would be making reports to BBB, CFPS. Unprofessional AND breaking not only the federal law but state law as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: WA
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 was one of the millions of people whose information was leaked by Equifax due to a failure to use a software patch. 

Despite contacting them many, many times, I have been unable to get my credit frozen. 

Today, as per their instructions in response to my complaint XXXX, I called the automated system. AFTER I gave them my social security number, the automated system told me they could n't process my information. 

Why did they wait until I gave them my social security number? Are they stealing more information from me? Have they been hacked again? How am I supposed to get my credit frozen? 

I have tried and tried to contact Equifax, but the only numbers they provide are for robot-like representatives who just tell you how to freeze your credit, which does n't seem to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have 4 Authorized Credit card. XXXX is the only credit report they dont have it. 

Thank you

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 2021-12-06
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
I Recently looked at my credit report It has come to my attention that ( LVNV FUNDING LLC, and XXXX XXXX XXXX XXXX ) has acquired and shared my information to other companies without my written permission. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: CA
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:
Hard inquires # XXXX XXXX XXXX # 2 XXXX  the XXXX XXXX # premium credit bureaus miscellaneous

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 2017-09-26
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I took out a loan with XXXX in XX/XX/XXXX for {$310000.00}. My loan number was : XXXX. They filed Chapter XXXX bankrupcy in New York in XX/XX/XXXX as purchase XXXX XXXX ( XXXX ). The CFPB accused the servicers, among them XXXX, XXXX XXXX, XXXX, XXXX, and now Caliber of improperly calculated loan balances, misapplied borrower payments, failed to correctly process escrow and insurance payments, and failed to properly investigate and make corrections in response to consumer complaints. They have compounded these failures by illegally foreclosing upon borrowers loans and selling loan servicing rights to servicers without fully disclosing or correcting errors in borrowers loan files. Mine is such a case and I want the CFPB to file a similar case as those already filed by the CFPB v. XXXX XXXX XXXX et al, U.S. District Court for the XXXX District of Fla., Case No. XXXX, and by the Office of the Attorney General et al v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for the XXXX District of Fla. , Case No. XXXX, also determing who the correct servicer are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: EQUIFAX, INC.
State: LA
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 contacted Equifax credit reporting bureau on several occasions regarding disputes concerning inquiries that were fraudulent or placed in error. I also contacted them regarding a collection account that was never verified after numerous attempts, in which they failed to remove. The collection which is listed under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have reached out to this bureau several times regarding this matter. I also sent them a certified letter by mail requesting proof of this debt in XXXX of this year and have never heard anything back from them. I 've filed several disputes with Equifax and to no avail, they all come back within 2 days confirming validity. I also disputed the inquiry with XXXX XXXX, XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, which is my credit union. I contacted all of these companies by phone to dispute this error and they all told me to dispute it with the bureau and they would remove these erroneous transactions which I never authorized but they always come back verified. I spoke with my bank on the XXXX/XXXX/XXXX to inquire about a inquiry and they also told me it was place in error they would be happy to remove it but they were never contacted by Equifax. Equifax is ruining my credit by not properly investigating my complaint. When I contacted Equifax to verify the method they used to validate these accounts, the representative told me they do not know what method was used. It is my right to know how the debt was validated but according to them I do not know. Equifax is not a reputable company and in their quest to profit, they are allowing these erroneous inquiries to remain on my report to benefit them. This is an unfair and unlawful practice that I will not stand for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm XXXX XXXX, natural person received a collection letter dated XX/XX/2022 from Healthcare Revenue Recovery Group stating I owe a debt of {$180.00} and {$85.00}.

I do not know who Healthcare Revenue Recovery Group is or how they got my private information. They violated my privacy rights and did not have my prior consent to contact me about a debt pursuant to 15 usc 1692c ( a ). They are violating my consumer rights pursuant to Fair Debt Collection Practices Act 15 usc 1692. I disputed this letter on XX/XX/2022. They caused me to be stressed out. I haven't heard anything from them.

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 2022-04-29
Company: Exeter Finance Corp.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX XXXX la XXXX I gave a down payment for my used XXXX XXXX XXXX {$3000.00} cash on XX/XX/XXXX Upon reviewing my contract it states a credit Which is a violation 15 usc 1605 ( a ) ( c ) This contract is now considered fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Payment due on XXXX. Called XXXX to pay. XXXX was a Saturday, XXXX a sunday, XXXX a bank holiday. 

Want late fee waived or will sue simply on principle. 

For a company whose stock price doubled during covid I find it disgusting they won't wave a late fee when it's called in on the FIRST available business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Receivable Solutions, Inc.
State: PA
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 am trying to verify the validity of an alleged debt. Every time I contact the debt collection agency they state they need more information to look into it. However, when XXXX  or the CFPB contacts them they're able to verify the debt with no issues. 

I want the debt collection agency to either send me validation of the debt or remove it from my credit report. I never received any notice that this item was being reported on my credit report. 

I sent a letter to Receivable Solutions LLC on XX/XX/2021 disputing a debt. I provided them with the amount, the original creditor, and a partial account number that I retrieved from my XXXX  credit report. Receivable Solutions LLC received the letter XX/XX/2021. They responded via a letter dated XX/XX/2021 requesting the " guarantor 's SSN or date of birth, guarantor 's address and telephone number, name of health care provider. '' I can not provide this information since I do not know what this is for. Additionally, I'm not obligated to provide this information. 

I disputed the debt with XXXX  on XX/XX/2021 and provided them with a copy of Receivable Solutions LLC 's letter stating they could not " identify the correct account. '' This dispute was not changed on XX/XX/2021 because Receivable Solutions " certified to Experian that the information is accurate. '' XX/XX/2021 I filed an initial complaint with CFPB ( XXXX ). Receivable Solutions LLC stated they were able to locate the account, but the account was " not credit reported by [ their ] company. '' And " the matter is considered closed in [ their ] office. '' However, this is not true. The matter was and currently is reported to XXXX. I submitted a comment to this effect. CFPB did nothing with this information. 

So I submitted another dispute to XXXX  on XX/XX/2021 with a copy of the CFPB complaint where Receivable Solutions LLC states that this matter is " not credit reported '' and requested it be removed from my credit report. On XX/XX/2021 XXXX  closed the dispute without removing the account because Receivable Solutions LLC " certified to XXXX  that the information is accurate '' despite the fact that they told the CFPB the item is " not credit reported. '' Receivable Solutions LLC is required to validate the debt upon notice of my dispute. They did not due so. They stated they couldn't locate the account. However, Receivable Solutions LLC certified the debt as accurate to XXXX  twice so far. They then lied to the CFPB and stated the debt was not " credit reported '' even though it was. Receivable Solutions LLC is very clearly a bad actor in the debt collection industry that will continue to violate Federal law until they are held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: AES/PHEAA
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: Their investigation did not fix an error on your report

Complaint:
It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with AES XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by AES until XX/XX/XXXX. I sent AES an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all 3 of my credit reports

Company response to consumer: Closed with non-monetary relief