BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-23
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
We had a Banana Republic XXXX Card run by Synchrony bank. This card was stolen electronically 4 times in 4 months. That is, there were fraudulent charges made on the card while it was still in our physical possession. We were told that the fraud would be investigated but never informed of the outcome of the investigation. We were promised identity protection by XXXX representative and then informed by another that this protection was never purchased for us and could not be awarded by the bank. After the fourth time we were informed that the card yet again had fraudulent charges on it ( XXXX ), we requested to pay the account off in full and close the account. We informed the representative yet again that it was clear that fraud was occurring within the bank and that someone was hacking our account information as we had not lost the physical card. At this time XXXX XXXX XXXX, in order to close the account, we paid in full the amount the representative told us was required to close the account. We were required to do so without being able to see our bill and assess what charges were ours and what were fraudulent. We did this because we wanted to get away from this bank and the continuous fraud. We requested and were promised that documentation proving that the account had been paid in full and closed would be sent on XXXX. This information was never sent. In XXXX, we were alerted yet again of fraudulent charges on this same credit card, which we had attempted and been told had been paid in full and closed ion XXXX. We requested again that the account be closed and again alerted the bank of the theft history and the numerous times we were promised steps and protections by the representatives ( i.e. identity protection, documentation of the closing of the account ) that were never ultimately provided. In XXXX we received a check for around $ XXXX {$250.00}, reimbursing us for overpayment from the bank. On XXXX XXXX we received a bill on this closed account telling us we owed close to {$700.00}. When we spoke to a representative on XXXX about this charge they informed us that the amount reimbursed to us in XXXX was doen so in error and that the account had not be paid off or closed on XXXX as we were informed. On XXXX we informed the representative that we should not be held responsible for any charges made after XXXX when we requested the account be closed and had paid the full amount we were told was required to close it. We also stated that we should not have to pay any interest related to these fraudulent charges. The bank representative informed us that he would speak to his managers about the issue but also stated that we were responsible for this {$700.00} bill. We informed the bank we would not pay this charge and were filing a complaint to CFPB.

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 2022-10-11
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2020-03-12
Company: The CMI Group, Inc.
State: SC
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 found about the debt on XX/XX/2020 Via my credit monitoring service. I immediately reached out to the collection agency and original creditor. Upon speaking with the fraud department of the original creditor they verified I never had an account with them. The collection agency credit management also verified they did not have the correct person I notified them I was victim of identity theft last year but they refused to remove the credit entry in my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter from : Professional Credit Service XXXX : XXXX XXXX XXXX Claimed that they are collecting on behalf of Oregon Department Of Revenue. 
Amt = {$140.00} When I called them - the amount was = {$1600.00} I asked for tax information and more information on the debt. 
The agent XXXX request that I write in to their company - they can then get approval from Oregon Department of XXXX to release to me. 

They asked for my last XXXX digits and I regretted providing. 
Because when they tried to verify my home number - the number they have on file was wrong. 

Please help me check if they are legit? 
I'm requesting for debt information : Tax letters so that I can verify they are collecting on behalf of the XXXX department. 
I need proof that I owe Oregon Department of XXXX money

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: HYUNDAI CAPITAL AMERICA
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have contacted kia finance 5 times. I kid you not 5 times. every time they say my payment has been added to the end of my loan but I need to sign paperwork. It has supposedly been mailed twice and faxed twice. Still have not received it. I am about to take a hit on my credit report because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I contacted PennyMac on XXXX XXXX concerning my over payment on my escrow account for XXXX.I received a response from them dated XXXX XXXX trying to justify not paying the over payment. 
I'm asking you to investigate if PennyMac can legally overcharge me {$2300.00} and not pay me after all the taxes and insurance has been paid. 
I have never been late on a payment and have it set up on a automatic draft. 
Please hold these mortgages companies accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: DISCOVER BANK
State: CA
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 called the lawyers to return my refund amount of an estimate of {$300.00} and they have failed to do it. I also stated that they need to remove the credit report in my file and they have also failed to remove it. They have known that this is an identity fraud in my credit file since mid XXXX an estimate of XX/XX/2019 from Discover Credit Card that went to collection and now the XXXX XXXX XXXX has the authority of all the financials. Attorney XXXX and XXXX are the ones I have spoke on the phone and both attorneys have ignored my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-28
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This   XXXX   account was sold to   XXXX   XXXX   and I disputed the account in  XXXX . It was removed off my credit reports then readded without any proper notice. I submitted a complaint CFPB and received a letter from diversified stating  XXXX  would recall my account. It was removed from credit reports. On XX/XX/XXXX  another collection agency tried to collect from the same  XXXX  account that was previously taken off my credit reports and falsified dates. The start date said  XX/XX/XXXX , in which I do not have any accounts with the  XXXX  company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: JPMORGAN CHASE & CO.
State: CA
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 noticed there 's a name  XXXX ,  XXXX ,  XXXX  on my Credit card report is incorrect. I do n't used that name. Also I did not open, the  two  Chase credit card back in    2005.  How do I fix this problem? My Email is  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later, and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach, and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Cottonwood Financial Ltd.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The Cash Store continues to call me while I am at work, even though I left XXXX messages telling them that I work from XXXX-XXXX Monday through Friday and may have to work some Saturdays depending on workflow. I just starting working at this job on XXXX/XXXX/XXXX and I am on probation until XX/XX/XXXX. I work in a call center environment and these calls are disruptive to me because I ca n't take their calls because I am at. I did speak an attorney and he advised they are suppose to call him during the times I asked them to. Their continuous calls are stressing me out and would rather communicate with them through written communication only. If I lose this job, then they will not get anything from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: CMRE Financial Services, Inc.
State: TX
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:
Debt Collection company continues to call my XXXX daughters cell phone to attempt to collect a debt for another person. I have contacted the company XXXX different times, and XXXX of those times they have said that the number has been removed from their system, and is not attached to the account they 're trying to collect on, but the automated calls continue. In talking to the representative over the phone, they simply state that the number has been removed and that it will take XXXX hours to remove the number from the automated system. This has been the response each of the last XXXX times I have called, which covers a XXXX day period, so that is not correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have countless times to have the 3 major credit reporting bureaus to remove inaccurate information on my report. Ive submitted a affidavit with ftc and verified my identity but they still report the same thing which lowers my score and makes it impossible for me to approved for new credit. This covid 19 pandemic has made it difficult enough to obtain credit to pay bills and identity theft is at an all time high. XXXX, Transunion and XXXX  are not following the law and removing inaccurate information nor are they verifying information, 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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I am submitting this complaint because I recognized inaccurate info on my credit report. {$18000.00} is reporting to my credit report that is inaccurate. Reporting date XX/XX/2022. Also I see addresses and employment that are inaccurate as well. A birth year is also inaccurate. And one inaccurate name. 

Accounts that are inaccurate are XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX Employment that is inaccurate is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like this matter to be investigated, resolved and removed.

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 2016-03-01
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Savit Collections has reported me to all XXXX credit bureaus this is not my account or they have me confused with someone else I have XXXX % medical coverage with no co pay this is not my account and request it be removed immediately additionally they call my home every hour of the day with a anonomous number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with Bank of America, the account was saying it was still open until {$2.00} was paid. Well the IRS treasury department sent a {$600.00} payment to this account and they accepted it. Well when I went to take the money out they told me I couldn't because the account was pending to be closed. They didn't offer any information into finding out how I would get this money back or if it would be sent back to treasury or if it would be sent in a check. Every one gave me a different number and I was on hold each time for several hours and never spoke to the correct person. I went to yet another bank of america and they didn't offer any more help accept call customer service. I was given the run around. No one at all tried to get me to a supervisor or anyone that could tell me about getting my money.

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 2015-07-20
Company: IQOR US INC
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Allied Interstae has received my debt from XXXX ; however my debt has been formally disputed to XXXX prior to being sent to collections and XXXX did not validate the debt based on Fair Debt Collection Practices ActAllied Interstate is in violation of Fair Debt Collection Practices Act by communicating with me and further attempting to collect on a disputed debt in which has not been validated

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-09
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a phone call from gulf coast collection agency about a debt they said I owed. I said that I was the person that they were looking for and asked what the debt was about. he asked for personal information which I would n't provide unless he told me what the debt was and told him again that I was the person and he called me and without him verifying information I could n't give him any personal information at which time he said unless I gave him personal information he would hang up which he did and then posted negative information on my credit report. I want the negative information removed from all reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-07
Company: Lendmark Financial Services
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My husband and I were approved for a car loan from Lendmark Financial. We signed the loan documents and did what we were instructed to do, but the title was misplaced and we had to get another copy from the dealer. The dealer contacted the previous owner and it took the owner some time to give the dealer a copy. Once the dealer received the copy we processed the title immediately, but Lendmark Financial had to update their information with the Virginia DMV in order to get the title. Lendmark claimed they could n't get in touch with the DMV and did not know what to do. I got in touch with the DMV and found out what to do, sent the form to Lendmark and processed a title copy for the third time. I did not miss a payment and I kept open communication through out the entire process. Lendmark Financial placed a judgment on my husband 's and my credit report. When I called to see if the title was received they confirmed that they had it. I then asked if the judgment could be removed since we made sure the company received the title. The branch manager ( XXXX ) was very rude and stated that the judgment would not be removed until the loan was paid in full. I replied that there were no payments missed and reminded her that I made sure they received the title. I also told her that I was not going to pay until they removed the judgment. However, I am still current on the payments and she filed a motion to garnish our wages, even though we have not missed a payment. I have proof from my checking account and my credit report shows on time payments as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been a victim of identity theft for many years somebody open this account Ive been trying to Talk to this company to remove this account because it was open with out my authorization with Thats an account from XXXX XXXX XXXX now its on collection And the steel done doing nothing A note on your XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) account This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Please read below for important disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have excessive overdraft fees, equaling {$1500.00} this year and counting. This month alone has equaled {$710.00}. I can not get ahead. I do not have the means with which to replace these charges. There are pending charges on my account today and I will be hit with more fees. Additionally my car lease payment was returned twice, I have insurance policies that will be cancelled due to lack of payment and the fees I will incur from those agencies. The bank refuses to refund any of the fees because they already did so once in my lifetime with them. If they would refund my account, by next payday, I would b able to recover. I will not be able to pay my rent if this persists.

Company response to consumer: Closed with explanation