BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint due to unresolved inaccuracies in my credit report related to a SYNCB/PayPal Credit account , as reported to XXXX. The report contains incorrect information, including allegations of delinquency and derogatory remarks, which do not reflect my actual credit history. 

Discovery of Inaccuracies : I noticed these inaccuracies upon reviewing my credit report from XXXX. 
Initial Dispute Actions : I sent a formal dispute letter to SYNCB/PayPal Credit , contesting the inaccuracies and demanding compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. This letter specifically challenged the reported payment status, credit limit, account status, and the accuracy of the last verified date. 
Specific Discrepancies : The primary concerns include the reported payment status as 'CollectionOrChargeOff, ' an incorrect credit limit of {$1400.00}, and the account status listed as 'Open. ' Additionally, the last verified date reported as of XXXX ' is contested for its accuracy. 
Demand for Verification : I have requested documented proof of compliance with reporting standards and applicable consumer laws, emphasizing the necessity for accurate, complete, timely, and validated information. 
Lack of Adequate Response : To date, SYNCB/PayPal Credit has not provided satisfactory evidence or resolution to these disputes. 
Impact on Credit : These inaccuracies are adversely impacting my credit score and my ability to secure financing. 
Resolution Attempts : Despite giving SYNCB/PayPal Credit a 30-day window for investigation and correction, the issues with this account remain unaddressed. 
I am seeking the CFPBs assistance to ensure the correction of these errors on my credit report by SYNCB/PayPal Credit and to uphold the standards set by the FCRA and 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 2023-08-30
Company: CAINE & WEINER COMPANY, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I scheduled an appointment for my cat to be spayed. My friend at the time was taking care of the cat, while I worked and relocated up north. When I made the appointment with XXXX ( located in XXXX XXXXXXXX XXXX ), I put my friends name on the account so he could take her in without me being there ( otherwise they would not have taken her ). I gave my friend cash and he took her to get spayed along with his cat to be neutered and one year later, there is a bill mailed to my previous address saying I owe over {$1000.00} ( and that it had been sent to collections ). I called the vet place ( XXXX in XXXX XXXX ) to see what was going on. I was informed that a XXXX XXXX XXXX XXXX XXXX was opened by my friend who is on the account and is the one who brought my cat to the vet. This was done without my consent, or knowledge, and I did not sign up for this CLUB MEMBERSHIP, but because I opened the account I am the one being charged. I would like to reiterate that I did not sign up for this MEMBERSHIP, nor did I sign any paperwork for this membership, my friend did, and this fee should be in his name, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Duncan Solutions, lnc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Account Management [ XXXX XXXX XXXX ] [ XXXX, NY XXXX ] Re : Validation of Debt PAM Notice Number : XXXX Toll Violation Number : XXXX Dear Sir/Madam, I am writing to formally dispute the debt collection notice I received from Professional Account Management, dated XX/XX/2023, regarding Toll Violation Number XXXX. This letter serves as my request for validation of the debt as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

According to the notice I received, I am being claimed to owe {$74.00} for the aforementioned toll violation. However, I have not been provided with sufficient information to validate the legitimacy of this debt. I kindly request that you provide the following information : 1. Original Documentation : Please provide the original document that clearly shows the debt was assigned to Professional Account Management. This includes any agreement, contract, or assignment document that demonstrates the validity of the debt and your authority to collect it.

2. Proof of Ownership : Provide evidence that establishes your legal ownership or authorization to collect the debt in question.

3. Detailed Account Information : Furnish a breakdown of the alleged debt, including dates of the violation, the toll booth involved, and any associated charges or fees. I need a comprehensive account of how the total debt amount was calculated.

4. Account Validation Requirements : Please provide all necessary documentation to verify the accuracy and legitimacy of the debt, in accordance with the FDCPA requirements. 

Furthermore, I would like to bring to your attention that the notice I received indicated this as a " 2nd collection notice. '' However, I believe there is a mistake, as this is the first communication I have received regarding this alleged debt. It is important that any communication accurately reflects the status of this matter. 

Until I receive the requested documentation and the debt has been appropriately validated, I am exercising my rights under the FDCPA to request that all collection efforts cease. This includes but is not limited to phone calls, letters, and any reporting to credit bureaus. 

I look forward to receiving the necessary information to validate this debt and confirm its accuracy. Please ensure that all correspondence related to this matter is sent to my address as provided above. If you are unable to provide the requested documentation, I kindly request that you cease all collection efforts and consider this matter resolved. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-08-30
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving daily calls from this number which is supposed to be PayPal Credit since XXXX. Prior to that the calls were from Syncrony Bank and they started in XXXX. 
I do not answer these calls because I do not and have not done any business with PayPal Credit or Syncrony Bank. Also because according to XXXX this number has been associated with SPAM calls. 
I have been the victim of identity theft XXXX times since 2020 and do not answer calls from strangers, so I have blocked the calls. I can provide the times and dates of the daily calls. I have tried to text PayPal Credit, they do not respond. 
Additionally, I have logged into my PayPal account which I use for purchases and I have no debt or problems with with that account. I have reported these calls to them as fraudulent.

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 2023-09-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Hello I have been harassed by the midland credit management collection company, this company sent me multiples letter threats me with legal action about the credit card debt, the last letter was sent it XX/XX/23, so I did multiple calls to try to verify that the debt XXXX XX/XX/23, XXXX XX/XX/23, and the last call was XX/XX/XXXX XXXX, this company refuse to validate this debt, due this company no respond me, I decide sent a validation request letter on XXXX XX/XX/23, XXXX XXXX XXXX XXXX received by XX/XX/XXXX XXXX, and this company fail to provide the documentation requested on the 30 days that is allowed by the law and this company persist sent me multiple letters and this point and decide to create this complain After previous complaints, this company still did not provide the documentation to validate the debt and still sent me a letter to collections I would like the company to stop harassing me and delete this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Continental Finance Company, LLC
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I closed my account in XX/XX/2023 with a credit balance of {$67.00}. was promised it would be refunded in 7 days. Just got a statement on XX/XX/2023 with the balance still being held by them. Called on XX/XX/2023, they again said they would refund the money in 7 days, still not received refund.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: KY
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: TX
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:
When i went to the car dealership they said it would just be in house an I received a lot of hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX-car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXXXXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX XXXX-car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check XXXX not authorized XXXX XXXX XXXXXXXX not authorized XXXX XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: NCB Management Services Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to submit a formal complaint to the Consumer Financial Protection Bureau regarding the omission of transaction histories from my consumer file. As detailed in my recent communication to the credit reporting agency, I have identified a significant oversight in the reporting of my financial information. The absence of transaction histories hinders a comprehensive understanding of my credit profile, which is essential for responsible financial planning and decision-making. Despite my request for correction, I have yet to receive a satisfactory resolution from the credit reporting agency. I seek the CFPB 's intervention to rectify this matter and ensure that my consumer file accurately reflects my financial history in accordance with applicable regulations.

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 2023-08-30
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
US Auto sales outsourced my loan, and canceled my warranty without giving me any explanation or warning. My car needs repairs and I shouldve had the warranty until XXXX XXXX My warranty is included in the price of my loan. So if they can just cancel it, I feel I should be reimbursed for the cost of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
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.

FCRA 605 ( a ) ( 6 ) ( A ) 1 ) XXXX XXXXXXXX XXXX  ACCT : XXXX XXXX XXXX : {$1100.00} REQUESTED VALIDATION FROM COMPANY Attached I have a included what was FINALLY mailed to me after request were made by the CRAs. As you can see XXXX XXXX XXXX has FAILED to provide me with a copy of any form of signed written proof that this is my account The requested information of my written permission has not been given to companies that are reporting to Transunion, XXXX, and XXXX. Previous request of the CRA to provide me with this written proof of such authorization has gone UNANSWERED.

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 2022-02-10
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
An account is reporting to my credit file under XXXX as a secured credit card with a maxed out balance, open and always paid on time. This account is now paid in full, closed and always paid on time. Attached to this complaint is a copy of my last credit card statement from XXXX showing the account is now paid in full, closed and always paid on time.

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 2023-08-30
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit 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:
American Express is blatantly denying the increase of my credit limit on one of the cards.

When I called Amex a few days ago, I was informed that I would be able to increase the credit limit on Blue Cash Everyday after 90 days beyond the account opening date and the customer representative told me the exact date when I could request a credit limit and that is XX/XX/XXXX. But, when I called Amex on XX/XX/XXXX to increase the limit, they said it is not available and I still have to wait longer. I feel betrayed and Amex hasnt kept its promise of allowing me to apply for an increase.

When I told Amex that earlier they said I could increase the credit limit but they deny the fact what they said earlier. 
The small credit limit restricts my purchasing power thereby tying my hands to make purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-01-03
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I have sent multiple letters regarding unauthorized inquiries and inaccurate account from my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this company bought a debt from XXXX XXXX XXXX  WHICH wasn't an obligation to pay but instead dividends owed to me. this has caused me to become homeless because i cant qualify for a decent luxury apartment complex. instead of removing the debt off my consumer report they continue to Harras me but calling and sending default notices in the mail. by law this is illegal business practice and needs to be compensated for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was trying to lower my interest rate since it was too high ( 8 % ). Because of my work situation I could n't prove my income clearly, that 's why I could n't apply for refinancing, so I had to request for loan modifications. But even modification I got declined many times. But about XXXX years ago they send me an offer saying for XXXX years my interest will be 3.25 % but they increased my principal from $ XXXX to $ XXXX. Because of the pressure of losing home in foreclosure l accepted the offer and start paying on time. Even though after XXXX years they hicked up my interest rate back in 8 % driving my monthly payment from below {$2000.00} to almost double over {$3800.00}. I called many times for them to concider me to pay the same amount for few months so I can find the job and apply for modification but they said there 's no way to help me. After paying all those money and big principle balance now I am stock and in risk of losing my home.

Company response to consumer: Closed with explanation