BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Starting disputing my credit file around XXXX XXXX for inaccuracies. My file  came back verified so I ask the process of the way of verification and I never received anything  back from the bureaus.
Now the disputes were with
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 non-monetary relief
Consumer complaint received 2017-03-02
Company: Alpha Recovery Corp
State: SD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Spoke with XXXX and XXXX. XXXX says he is a manager and I was trying to report XXXX for harassing me when we 'd spoken. XXXX says he will look into it then tries to get me to give my checking information to make payments. I said no, and he starts getting an attitude, which I told him I did n't appreciate and he told me I 'm being sensitive. I told him I want to make payments but not with my checking account. He says his office will send back the account to the client as refusal to pay, if I do n't " secure '' our arrangement right now with my checking info or a payment off my debit card, even though I 'd already explained I do n't get paid til next Friday. By this time I was having to speak loudly because he would n't let me get a word in edgewise. He says he 's going to terminate the call if I do n't stop interrupting, etc. I asked to speak to his manager, he flat out says no, says I 'm trying to avoid/distract from the matter. This is the manager. The other boy I spoke to got on the phone after a transfer, and just went off on me about how I need to pay x amount of money that I already said I could n't afford. He belittled and shamed me for not paying the debt so far, and demanded that I pay it now. I told him not to speak to me that way, which he continued to do. Eventually he just hung up on me. I 've seen very similar complaints online, some of them quoting this XXXX guy, things that he said to me as well, word for word. I do n't understand how they 're still in business, or not in court or in jail for violating federal law. Please do something about this.

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 2016-05-18
Company: Michael Harrison, Attorney at Law
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX department was paid after I had an auto accident by XXXX insurance PIP coverage. They are attempting to double bill me to collect an additional {$230.00} which is not owed. I received a collection letter from XXXX XXXX in XXXX, NJ. The representatives refused to identify themselves and they are accessing my private information which I did not authorize. 

Any person accessing private information for my security and that of my family should be required by law to identify their fist and last name. I was hung up on by a person called XXXX XXXX who was a supervisor if that is indeed her name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-30
Company: Mercedes Benz Financial Services
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a Mercedes Benz ML-350 through Mercedes Benz Financial Services ( MBFS ). We also enrolled in the Mercedes Benz mbrace service for safety & security, which cost over {$300.00} per year for enrollment. The lease expired and the car was returned in XXXX 2014 and at that time, I explicitly ask if there were any more obligations at the dealer to which the vehicle was returned. On XXXX XXXX, 2014, I was charged {$310.00} to my XXXX XXXX in an automatic renewal for a vehicle that I clearly no longer leased. Mercedes only reimbursed {$260.00} as they claim the service was being used from the start of the year to when the charge on my credit card statement was discovered. How can Mercedes charge for a service on a vehicle that I clearly no longer had?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are several discrepancies with my personal information. The following does not apply to me : I am not associated with these names : XXXX XXXX XXXX XXXX XXXX I have not lived at these addresses : XXXX 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 2016-03-08
Company: Mercedes Benz Financial Services
State: CO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/16 I leased a new vehicle. The dealer is XXXX miles from my house so I quickly signed so that I would not get hung up in traffic. The numbers were negotiated before I arrived so I considered it to be pretty straight forward. 
I have been away from home so I contacted Mercedes Benz Financial Services to get my account info for upcoming payment ... I asked to be emailed a copy of the contract. When I received the email is when I saw the error in the Consumer Lending Act Disclosure box. I called MBFS again to question this. I actually had to get rude with the rep to get him to finally admit that it was incorrect, then his reply was, 'We were not at the table when you negotiated and signed this contract so you will have to take it up with the dealer.. ' Are you kidding, this is a FEDERAL DISCLOSURE box that MBFS has funded with an error. When I asked how they could possibly fund this contract he told me to take it up with the dealer. WRONG, because the contract now belongs to MBFS and they made the error by funding this incorrect contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted several times by phone by XXXX XXXX to collect a debt that is NOT MINE. This person who owes has the same name, but not date of birth or social security number. I have already confirmed with XXXX person I spoke with and they verified through my DOB and SSN that I am not the person they are looking for and they informed me that they would take my name off the list and not call again. HOWEVER, THEY KEEP CALLING DESPITE THE FACT THEY HAVE VERFIED THE DEBT IS NOT MINE AND SAID THEY WOULD STOP CONTACTING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
I signed up for a financing office through XXXX, serviced through Barclaycard US and the user agreement and deferred interest was not clearly explained or stated as I was mislead to think that it was an non interest incurring financing period, not a deferred period. I would have never signed up for the promotion had I known it was deferred. I was charged {$490.00} of interest on a product that I did n't think would be accruing interest until the no interest period ended. I do n't feel as though I should be responsible for this mislead charge. Their claim is that this is stated on my paper billing, but I get paperless statements and its not reflected there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
My wife applied for a credit card with ToysRus XXXX weeks ago. She gave her social security number along with other demographic information. My wife signature for the credit card application was captured electronically at the store. I had nothing to deal with the credit card application and none of my information was given at the time of application or thereafter. The cashier at ToysRus informed my wife of credit approval and line of credit and when I asked him why my name is showing on the attached credit card approval-receipt ; his answer was because he attached my ToysRus reward card to my wife 's credit card. Two weeks later, a ToysRus credit card is mailed to our address with my name on as opposed to my wife. I contacted Synchrony Bank customer service ( the provider of ToysRus credit ) to inquire about the newly mailed card. Synchrony bank immediately denied any wrongdoing and informed that the card was mine and the application was run under my name. I informed Synchrony Bank that never at any instance I provided my social security number at ToysRus stores. Synchrony bank answer was to go back and resolve the issue with ToysRus store where the credit card was opened. The customer service representative also informed that ToysRus used my previous information from a former credit application from XXXX years ago. 
Regardless which of the entities ToysRus or Synchrony Bank is at fault, the true issue on hand is a credit card application was approved with improper signature, erroneous ownership and wrong social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06
Company: Ad Astra Recovery Services Inc
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Credit use was accessed thru someone that i lived with. This XXXX XXXX " payday loan '' creation / use was fraudulent ( not authorized by myself ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
I have been a client of Synchrony Bank as a result of an application submitted when I purchased furniture from Ashley Furniture / XXXX. We had paid our balances on a monthly basis for over 3 years, and had asked to have our account put on auto-pay through synchrony and through their customer service department ( phone ). On two different occasions, the representative in order to collect payment promised that our account was now on auto-pay going forward when in fact it was not. The second attempt caused our account to be over 30 days and reflected on credit report. I have called a number of times, and discussed with their internal service department who informed me for the first time that we were to get a confirmation letter to confirm auto-pay. This was the first we had heard this, and that since we did not get the confirmation it is our responsibility. However, in my final phone attempt I explained to them the same situation, and without fail, the customer service rep did not tell me I had to get a confirmation letter to confirmation to know it was officially on auto-pay. The account is now paid in full, however my late is still on my credit report. This is unfair and causing real stress in my attempt to refinance my home. Please help.

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 2017-01-14
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Billing disputes

Complaint:
Someone at an Old Navy store opened an Old Navy Visa account for me XX/XX/2016. They put the wrong address for me into the computer and their computers were down, so the typical process of checking your address on the screen of the credit card machine did n't occur. Fast forward, now it is 11 months later and my credit card is in collections. I only used the receipt to purchase goods in the store and one other time had the person in the store look up my account. I never received the card in the mail. After getting my credit report, I saw that the account was listed under the same address but different city state. This means that all the statements and card were sent to a completely different address. Now my credit has negatively been affected and the amount that I owe XXXX is in collections with a shoddy debt collection company. The solution that I would like is for me to pay the debt and not get the run around by the debt company and for the record of this debt to be expunged from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-22
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have contacted Barclays Bank Delaware on several occasions attempting to resolve my consumer complaint regarding their handling of my credit card dispute. I notified Barclay Bank on several occasions that I had no knowledge of a credit account that was showing as charged off on my credit report. they continued to report it as well as sold it to a 3rd party without initiating an investigation. In addition after reporting the account to them no less than 4 times as well as sending them written notification of dispute they continue to give the run around and extend the time of their investigation. I have requesting immediate resolution and have not received any such resolution. I continue to get the run around from Barclays Bank Delaware in my attempts to resolve this matter. The representative have cited incorrect sections of the Fair Credit Reporting Act in order to justify their actions and treatment of this matter.

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 2017-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Capital One continues to send me e-mail related to an account I did not open. I can not log in to stop these e-mails because I did not open an account with them. I contacted them via e-mail at the suspicious activity link twice on their site but got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Nationwide Debt Management Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This company claimed to be Nationwide XXXX, and they have called my work and demanded rudely to speak to my boss after calling all around my organization. This is unacceptable. I have never received any sort of mail from them, and I am assuming they are some sort of zombie debt collection outfit/scammer. I do not deal with companies I have never heard of anyway, as I get numerous scam calls. I will not deal with them on the telephone, period. If they believe I owe them something, they need to contact me in writing, but calling my office is not tolerated. If they get me fired, then they can be assured they wo n't ever see a penny, even if by chance there is some legitimacy to this, which I doubt. The call came at approximately XXXX to my office secretary, and the rude caller claimed her name was XXXX XXXX with a number of XXXX. I believe the number XXXX is also associated with these people.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am having a problem with my Chex systems report. There is an account that is showing on my file with XXXX that was opened fraudulent. I have attempted to contact Chexsystems an only get an automated system. I have filed a police report and I am trying to see where do i have to send it to but have been unsuccessful in getting through to anyone.

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 2015-08-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
To whom it may concern : I attempted a Second Chance Bank Account at XXXX XXXX XXXX yesterday in Michigan and the teller was unable to proceed due to the Fraud Alert based on my address being a " Restaurant/Bar ''. A mistake was made when the addresses were filled out, and not because of me. I used to have a " XXXX XXXX '' mailbox at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MI XXXX. XXXX XXXX is similar to a XXXX XXXX allowing customers to get their mail at a box. XXXX stores down was the XXXX XXXX, a restaurant which has moved. I am unaware if a new restaurant moved in. There is also a XXXX 's store, a fitness gym, Social Security Administration. Please view the link which will show that the address XXXX XXXX XXXX XXXX is XXXX XXXX. XXXXPlease delete the wrong addresses. It is causing me financial harm and I never applied with these wrong addresses. Further more, I am a victim of Identity Theft. One of the police reports : XXXX XXXX, MI is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Fair Credit Reporting Act makes clear that a debt discharged in bankruptcy must be listed as having a XXXX balance. FTC XXXX XXXX XXXX, item XXXX states : " A consumer report may include an account that was discharged in bankruptcy, as long as it reports a XXXX balance due to reflect the fact that the consumer is no longer liable for the dischargeddebt and there should be no additional reporting after the bankruptcy filing date. XXXX XXXX XXXX and the XXXX accounts was included in my Bankruptcy and needs to be deleted according to Chex Systems policy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: FIRST HERITAGE CREDIT LLC
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had the account for over XXXX years with timely payments until I lost my job in XXXX 2014. I made my last payment as of XXXX 2014. I had no income including no unemployment and have not made a payment on the account. I have been speaking with them each month regarding my inability to pay. I spoke to them in XXXX regarding my account status and any options to lower the payments or if I had insurance on the account. The Branch Manager stated I did not take the insurance out. I stated I was never offered any. She then replied we are aware as a company the accounts were mishandled and insurance was not being offered per policy. Due to this issue along With many other issues they cleaned house and hired new staff. I then asked was the company planning on fixing the problem and she stated no. So then I asked were there any other options to help me on the account and she stated no because the balance was so small XXXX {$1200.00} XXXX. As of today I received a call stating they had no prior notes on the account regarding any of the prior conversations I have had over the last XXXX months. They demanded I pay {$400.00} immediately and I stated I do n't start my new job until Monday XXXX and could n't make a payment until XXXX my XXXX payday. They refused to accept my offer. I requested they do not correspond with me by phone any longer due to the level of disrespect over the phone and they called XXXX more times after my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Adverse Accounts all have last payment and or activity date of XX/XX/XXXX therefore should have been removed as of XX/XX/XXXX. Trans Union refuses to act as a neutral party and instead is acting as a representative of Creditors by refusing to request that creditor provide documentation to support their claims during an investigative dispute all while expecting the consumer to do so. Trans Union refuses to remove accounts which are seven years past first delinquency because creditor disagrees with my dispute while providing no documentation to support their claim. The last activity and or payment dates are were XX/XX/XXXX. According to Trans Union 's website stating the following : " Collection accounts : seven years after the first delinquency Late payments : seven years from the first late payment, even if you 've caught up and the account is current or closed '' Adverse Accounts are as follows : XXXX Date of last payment/activity incorrect for all above account should be 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 non-monetary relief
Consumer complaint received 2015-07-08
Company: Eastpoint Recovery Group, Inc
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On XXXX XXXX XXXX for Eastpoint Recovery called me and told me that file # XXXX that was forwarded to my office, this is not a solicitation, this is regarding a very urgent matter that was forwarded to my office .... Your file has been red flagged as a direct refusal to resolve ... .I will grant you a final opportunity to get in contact with this office ... ... .I will be making my final recommendation that we do move forward on the file ... ..unfortunately this will be assigned for further action ... ... at XXXX tomorrow I go to a meeting to assign your file from further action, and I am trying to prevent that from happening. 

Then on XXXX Eastpoint Recovery called me again, saying .... My name is XXXX XXXX, XXXX as in Sheriff ... .. We have a problem here, do you have a son? ... .. We have a problem sir ... ..This is regarding XXXX Bank XXXX XXXX XXXX XXXX I guess you bought some stuff online .... You were paying on it from three years. 

Eastpoint and their debt collection representatives harassed me and pretended to be a government official. Clear violations of the FDCPA and the Texas Finance Code.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation