BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
Company: Affiliate Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
During my senior year at XXXX University, I became very ill and had my roommate take me to the emergency room at XXXX Hospital on XX/XX/XXXX. I was in the hospital for five days with an XXXX XXXX I was under my mother 's insurance at that time ( XXXX XXXX XXXX XXXX ), which I had in my possession ( Medical   Insurance card ) at the time of admission. At that time my legal mailing address was my parents home. On or about XX/XX/XXXX my parents received a collection letter from Affiliate Asset Solution, LLC. it stated that I owed {$XXXX} for services dated XX/XX/XXXX. My mother inquired about this XXXX XXXX XXXX XXXX, who is with, " XXXX XXXX XXXX XXXX '' ; and the original Account # XXXX. The insurance do not have a claim filed for that Dr. on that day, or any other day. XXXX stated, " Dr. 's have 12 months to file a claim for services '', after that the insurance co. and patient are not liable for payment. I don't remember this Dr., but then I was on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I'm still making payments to the hospital. After my mother called Affiliate to find out more about this bill ; I started receiving phone calls from them. Last week it was every day, they even offered to take half the amt., if I pay now. My mom contacted XXXX Hosp., and they said this Dr. no longer works there, and they haven't seen him in a long time.They also told my mom that there was another complaint involving this hospital and XXXX XXXX XXXX XXXX XXXX Also, my first name is misspelled on the collection letter. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In XXXX, 2021 ; XXXX XXXXXXXX suspended my credit card account because I mistakenly paid my monthly bill w/my old XXXX card, which I neglected to throw away when I received my new XXXX card. Upon finding out it wasn't accepted, I realized my mistake & made the payment w/the correct XXXX card. It was a simple mistake. I then called and asked how do I get my account un-suspended. I was told to write a letter explaining the situation. I was also told by the associate on the phone that until my account becomes un-suspended, I don't have to make monthly payments. Upon mailing the letter they requested, I waited ... ... for 3 weeks! I then called & was told that my letter they requested w/the information they requested wasn't good enough & now they want proof that the card used was mine. I made a copy & mailed it to them, as they requested. I waited another 3 weeks & called and was told they didn't receive my 2nd letter. It was mailed to the same address as the first. So ... .I mailed another copy. 3 weeks passed and I called again & was told they still haven't received the letter. So ... ..I mailed another copy ( this is the 3rd time ). I waited another 3 weeks and again was told they didn't receive it. All this time, they have told me that they only can have proof mailed to them. This last time calling, they now tell me that I can email them. Why am I hearing this email solution now & not at the beginning of this situation ( because I keep on talking to associates who have no idea what they're doing ). Now they have reported a delinquent notice to my credit report. This is fraud, plain & simple. 
This company informs me of what I have to do to clear this up ; I follow their way, 3 TIMES,, and they still say they haven't seen my letters, all mailed to the same address as the 1st address that THEY RECEIVED. Then they say I can email my proof, something they never said I could do in the beginning. Then they report me as delinquent on 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 explanation
Consumer complaint received 2020-04-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
Synchrony Financial has a non-customer-friendly habit of letting its customers know about CD renewals too early ( about 6 weeks prior to maturity ) and then letting them know much too late that it's renewed ( about 15 calendar days after its renewed ).

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 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion is breaking federal laws by reporting things on 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 non-monetary relief
Consumer complaint received 2016-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America closed all of my accounts, including checking and credit cards, for no reason and without notice. First they deducted {$880000.00} from my checking account, and then locked me out of online banking. Now I have no access to my cash in the checking account, and customer service is unable to help. They gave me a name : XXXX XXXX in Corporate Security. But she could never be reached at the number/extension given. My money just disappeared into thin air!! This is extremely unfair and unprofessional and I demand immediate access to my checking 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 2023-01-02
Company: EQUIFAX, INC.
State: WI
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 RECIEVED A COPY OF MY CREDIT REPORT AND NOTICED SOME HARD INQUIRIED THAT I DO NOT RECOGNIZE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Santander Consumer USA Holdings Inc.
State: OH
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 is my THIRD time disputing negative accounts on my credit report. I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX  XXXX # XXXX XXXXSANTANDER CONSUMER USA # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a checking account online XX/XX/XXXX, aiming to take advantage of this {$600.00} bonus offer : XXXX XXXX XXXXXXXX XXXX XXXX I am certain that I clicked Apply now as instructed at that page, and then fulfilled the bonus requirements by setting up regular direct deposits of > $ XXXX. My first full month in compliance was XX/XX/XXXX. 

According to the offer, " You will automatically receive the 3 % Cash Bonus in your new HSBC XXXX  checking account approximately eight weeks after completing that months qualifying activities. '' But 8 weeks after the end of XXXX came and went with no bonus. 

I contacted customer support on XXXX XXXX, XXXX, by chat, was given an issue confirmation number, and told I would hear back in 7-10 business days. On XXXX XXXX, having heard nothing, I contacted them again by chat and I was told to wait another 3-5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We had a home several years ago that we had to let go because we owed more than it was worth. It was a rental property -- we tried so hard to get a loan modification but neither the XXXX or XXXX lender would work with us ( they pretended to but in the end demanded so much paperwork over & over again that we finally realized they truly were not serious ) Because we were retired we could not compromise our savings feeding the alligator on this home. The XXXX was held by Green Tree. They continue to call us night & day demanding payment ( over XXXX years ago it went & sold at sheriff sale ). When we pick up the phone it is a recording. When we call back we think we receive someone speaking outside of the United States. They are truly harassing us!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Affirm Holdings, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent letters to all three major bureaus the date of the last letter to XXXX was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : AFFIRM INC-XXXX-Balance : {$0.00} AFFIRM INC-XXXX-Balance : {$0.00} AFFIRM INC-XXXXBalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: CIG FINANCIAL LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: Nationwide Biweekly Administration, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I revoked Nationwide 's authorization to debit my account several months ago when my insurance and taxes went up. They continued taking {$330.00} out of my account every two weeks for a couple months after several requests for them to stop. I finally worked with XXXX XXXX XXXX and home mortgage and determined that XXXX was taking my money and placing it in a secondary account. Since XXXX XXXX does n't accept partial payments, my mortgage was n't being paid, resulting in a letter saying I owed them {$1600.00}. I paid this out of pocket and XXXX XXXX opened a fraud claim against Nationwide. My bank credited me {$990.00} out of the {$1300.00} that they determined that Nationwide owed me. I 've been waiting for the additional funds that Nationwide owes me, when I receive a letter from them stating that I owe them {$320.00} or they will turn me over to a collection agency. I called Nationwide in regards to the matter and they claim that they were paying my mortgage, when XXXX XXXX home mortgage confirmed they were not. I have spent in excess of 12 hours dealing with Nationwide and XXXX XXXX home mortgage trying to resolve this matter and thought it was resolved through XXXX XXXX, until Nationwide tries this deplorable attempt to further extort fraudulent funds from myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Regions bank did a hard inquiry and assesed my credit information on XXXX/XXXX/2014. I have n't applied for credit at this bank nor do I owe them. They were not given permission to look into my records. I contacted them and they said that they were not aware of any inquiry and could n't give me a reason why they looked at my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX agent miss represent there service and payment fees for services and phones I bought. they stated one thing and I was charged another more money. I took XXXX to court and sued them and won. I owe them nothing and XXXX ended owing me money. Since then they keep trying to collect the money from me. they have different collection company 's try to collect money from me. each time I send them a judgment I owe XXXX nothing. That collection company will stop then another collection company will contact me. this is the fourth collection company that has harassed me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: U.S. Auto Credit Corporation
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am currently in default of my vehicle. I have provided the company with all documentation that has caused my default. I called today to make arrangements to pay the full balance on XXXX/XXXX/15 and they are refusing to accept my payment. But are making statements that I will have to pay fees to retrieve the vehicle from repossession. In addition, I feel the contract was forged because the car was initially only work {$5000.00} and now the loan is up to $ XXXX because apparently they gave me the full amount that I qualify for even though the vehicle was not that amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ACCOUNT # XXXX XXXX # XXXX I was in a collision very shortly after leasing the Honda HR-V, which was ruled a total loss. My auto insurance carrier XXXX, sent paymentXXXX for {$28000.00}, and there was still a balance of approx. $ XXXX that the GAP coverage was supposed to cover. 
I called XXXX over a dozen times and was told by every single representative that I do not have to make payments even though your website was still indicating that I had payments due, late, upcoming, etc. The XXXX XXXX XXXX would continuously tell me they were waiting for my GAP coverage payment to be sent from the dealership then I finally got the dealership to help me and they determined that was incorrect because it was a lease that the GAP coverage was to come from the leasing company. 
All I know is I was told on every phone call that should be recorded not required to make payments other than my {$500.00} insurance deductible, which I did. Today my credit score dropped XXXX points in one day because the credit bureaus were reported to by XXXX  that I am late payments. The credit and payment were all supposed to be " Suppressed '' as per honda Lease Trust.

PLEASE IMMEDIATELY FIX THIS! I DO NOT OWE XXXX  ANY MORE MONEY, AND ALSO MY CREDIT MUST BE UPDATED AND FIXED SO THAT IT REFLECTS I HAVE NEVER MISSED A PAYMENT. ALSO, CLOSE THIS ACCOUNT PERMANENTLY, FINALLY. My credit is very important at this very moment for my student loans are contingent upon them right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-12
Company: EQUIFAX, INC.
State: VA
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 : Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A month ago, I disputed the items on the following attachments off of my Early Warning Systems Report. I have not received any confirmation of receipt, no investigation results, or anything. I called them and they said that they have no record of my dispute. Attached is the final letter that I sent them today. I will be filing suit in court 30 days from todays date if these items are not removed from my report. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: IN
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:
This account states that it has been charged-off but this account was opened under an open end credit plan, which according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Moreover, this company has committed aggravated identity theft by reselling my personal/private information after it was charged off. I've been taken advantage of and will not stand for it any longer. Moreover, under my XXXX consumer report it states that all payments were paid on time but on my Experian consumer report it states all months as Charge-off.

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 2020-04-13
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Social security benefits are transferred to directexpress card. Direct express say they dont have my funds. However when I check by using my as number they have the funds. My card they sent me is a XXXX   balance. 
So I'm having problem finding out who has the money. I have bills. I'm XXXX cant work. I don't have anymore money to get medicine or pay my doctor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I received a donation for XXXX XXXX XXXX in the amount of {$1000.00} via Paypal. On XX/XX/2022 Paypal stated that I need to provided them with additional information. I provided them copies of my State ID card, and all the other information requested. On XX/XX/2022 Paypal stated that they would be holding the money for 180 days, closing my account, and charging me a high value fee. On XX/XX/2022 I tried to a phone to Paypal but it was too late. On XX/XX/2022, I called Paypal I spoke with a customer service representative who refused to provide me with any information as to why my account was closed or what happened. On XX/XX/XXXX. XXXX  I mailed a letter to Paypal requesting arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 sent debt verification letter to show more information about debt. Because I did not recall this debt. I gave them more than 30 days to respond and no response from the collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: NCB Management Services Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX  XXXX XXXX, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off account. Furthermore, XXXX XXXX  XXXX XXXX has committed aggravated identity theft by reselling my private information to a third party ( NCB in this particular case ).

Company response to consumer: Closed with explanation