BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX XXXX 2016 SYNCB/WALMART received XXXX certified letters disputing XXXX account listed on my credit report. I requested, by certified mail, that the accounts be disputed in accordance with the Fair Credit Reporting Act Sec 623 ( a ) ( 3 ). Additionally I requested proof of debt bearing my signature. I received no feedback from SYNCB/Walmart whatsoever. I checked my credit report 30 calendar days since the receipt of my dispute letter, and the company had not requested the accounts be marked as disputed to the Credit Reporting Agencies. That act alone make them guilty of non-compliance of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] The information they are reporting is incorrect and fraudulent. I contacted the customer service section using the number provided on my credit report. I requested that the accounts be removed as they have already exceeded authorized time ( 30 Day ) to investigate the accounts, and provide me any documentation bearing my signature for proof of debt or account ownership. I want it rectified asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dispute was submitted to collection company on XX/XX/2020 for outstanding balance {$280.00}. XXXX XXXX has failed to remove account. Dispute was submitted to collection company on XX/XX/2020 for outstanding balance of {$1800.00}. Consumer Adjustment CO has failed to remove account. Dispute was submitted to collection company on XX/XX/2020 for outstanding balance $ XXXX.XXXX  XXXX XXXX has failed to respond. These charges are fraudulent, I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
I used Care Credit credit card to pay a vet hospital when my dog was dying. Needless to say it was a very difficult time for our family. I used Care Credit for many months. My dog passed away on XXXX XXXX, 2015. I have been making payments to Care Credit since then. Suddenly my monthly amount due increased with no explanation. After many hours on phone with vet hosp manager and then Synchrony bank, the bank said it was the vet office 's fault. The vet office said they submitted all paperwork by end of XXXX. Synchrony bank is can not suddenly say, " oh by the way, you owe us XXXX more dollars 6 months after dog died? Interestingly, there is a 6, month window of time bank is allowed to post amounts due to the card and XX/XX/XXXX was 6 months. I have spoken in depth to the vet hospital and they have said Care Credit / Synchrony Bank is difficult to work with and there are problems with them. Care Credit / Synchrony Bank is suspect in their very poor handling of this account. They should not suddenly, 6 months after a death, decided the customer owes more money, it is irresponsible and causing great hardship on our family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had several accounts with GE Capital they were all in good standing showing no late payments. Once synchrony took over they first lowered my limit and then after I paid the balances they close the account.This has drastically affected my credit score and I do notice through other complaints that this is a common practice with synchrony. I have other credit card companies and none of them have lowered any balance or close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I defaulted on a credit card with XXXX XXXX XXXX and it was sent to collections. Midland Funding picked up the account and it was sent to XXXX XXXX XXXX XXXX XXXX ( which is now XXXX ). I received a letter in the mail that they were filing suit. When I called they offered me a settlement option for the debt, which I did not take at the time. Then they told me they would postpone the suit if I set up a payment plan, which I agreed to do. On my second to last payment ( XXXX/XXXX/2016 ), I was given a settlement option which I took. At no point throughout the entire process was I informed what the impact a settlement would have on my credit rating and that it would be seen in an even more negative light. Upon learning this, I contacted MCM ( Midland Funding ) ( XXXX/XXXX/2016 ) to rectify this, but they informed me that I would have to speak to XXXX XXXX. When I spoke with XXXX XXXX on XXXX/XXXX/2016, they informed me that they would not be able to take payment as the account was closed. They also informed me that the remaining balance was only court costs and not the actual debt that was owed the original creditor. I then contacted MCM on XXXX/XXXX/2016 to seek resolution, i.e. pay the remaining balance, which they stated they would not be able to take as the account had a {$0.00} balance. I then asked them to correct what was going to be reported to the credit bureaus which they said they would not do. They told me the report would say " paid in full with a memo saying paid for less than the full balance ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: FL
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:
On XXXX/XXXX/2020 I sent a letter 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 I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: LA
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:
on XXXX/XXXX/2020 I sent a letter 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 I'm being taken advantage of and being ignored of my disputes. I demand to DELETE immediately those accounts or I will file a litigation that cause me stress.

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 2016-07-05
Company: HW Holding, Inc
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We just received a letter from this debt collection agency stating that we owe to the company we used to rent our apartment from. There was no correspondence from the rental agency about any money owed, and they even kept our {$800.00} damage deposit without any explaination. This rental agency needs to be reprimanded for taking advantage of it 's renters.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I am using my AMEX for the company that I am working for, I will attached the email that I received from Finance Controller confirming this. I am behind on payment to AMEX while I am waiting for the Reimbursement from the company. Amex has been calling my phone asking for my sons for payment. I am the primary card holder but they are reporting this delinquent to their credit reports. I am also attaching the statement confirming they have XXXX transaction in 2015. They are only subsidiary card holders and should not be responsible for the delinquent of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They have called my employer numerous times, even after I have asked them to stop calling me at work, at the phone number. Not only that, but they have told my employer who they are, and that they are debt collectors, and have given personal information out. This damage, can not be undone. They should have never called work, and when asked to stop calling they did n't stop. They are not allowed to give out personal information /or say it is regarding a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
If I have a voided transaction ( Bluebird by AMEX ) and the merchant has already swiped my card, they will hold the funds for 8 days-even after the other merchant has processed the credit within 3 days. They wo n't even accept a receipt for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan through Citibank which was originated in XXXX XXXX. I called in late XXXX XXXX and asked about the processing of removing PMI from the loan. I was advised to fill out a request, set up an appraisal appointment and pay the cost for said appraisal. Once that was completed, I called Citi and verified that the PMI was removed. I recieved a letter in the mail affirming this. In mid XXXX of XXXX, I recieved an updated Escrow statement showing PMI being added back to loan. I called Citi and they said they did not know what happened but they would fix it and a supervisor would call me back. That did not happen. On XXXX XXXX, XXXX I called Citi again and supervisor told me that the PMI should not have been removed since the loan was less than 2 years old and that they were planning to send me a letter to notify me. I asked why that was not explained to me during my call BEFORE I spent money and time on an appraisal and she told me that the associates at Citi can not see how long a loan has been open. They are now saying I have to wait until XXXX XXXX to try and remove the PMI again. I am at 73 % of LTV. I will also add that during my original loan application, I was not notified of this time constraint.

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 2016-03-09
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Trans World Systems Inc. called me at XXXX on XX/XX/2016, which is past the XXXX cut off time. When I returned the call on XX/XX/2016, I was told that they have no record of my number. Regardless if I have business with them or not, they should not be calling past XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland offered to delete my negative credit report in exchange of deleting my negative report. They abused me since I am a minority and my XXXX is not the best. I paid {$1200.00} on XXXX/XXXX/15 and they still trying to collect the account and still reported as I owe the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I see a collection company by the name of Midland Funding LLC putting negative reports and re-aging old debts on my credit report by changing the dates making them look new to extend the date longer than it should.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: Allied International Credit Corp., (US)
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received a random letter for collection from company representing XXXX. We search identifies this as a known scam. More interested in keeping credit rating and history secure. Others have warned against calling company as it gives them your phone number and further ways to harass you. I have never sold on XXXX  and have promptly paid for any purchases, which have been few and far between. I have checked my XXXX  account onnline and do not have any random purchases, nor missed payments. I have never purchased anything with a cost near what they are trying to collect from me. I will attach the scam letter received from " Allied International Credit Corp ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card
Issue: Rewards

Complaint:
The crux of my issue was NOT addressed by American Express in my previous complaint ( case number XXXX ). The response stated that the 6-8 week hold on my XXXX Membership Rewards points is in line with the terms and conditions presented at the time of application. However, as I said in my first complaint, the terms and conditions state, and I quote, " points WILL BE CREDITED to your Membership Rewards account within 6-8 weeks after charges appear on your monthly billing statement '' ( all caps emphasis mine ). However, the points have ALREADY BEEN CREDITED to my account. Therefore, the 6-8 week limit does not apply in my situation. They are listed as " AVAILABLE '' on my account and I continually get emails and pop-up notifications from the AmEx website with reminders that I have these points and that I should use them. If they are not " available '' they should not be listed as such. That is very deceptive on AmEx 's part and was not addressed in the response. 
The response also does not explain why ALL of my points have been frozen. In addition to the XXXX sign-up bonus from the Amex Platinum I signed up for on XXXX/XXXX/16, I had over XXXX points that I had earned from my Premier Rewards Gold card which I held prior to signing up for the XXXX XXXX ( see attachment showing the breakdown of my earning ). However, I am also not able to use those points. I tried transferring XXXX XXXX points for XXXX XXXX XXXX XXXX and I received the same error page as I have received when trying to transfer larger amounts. This is also deceiving because my points earned from my Gold card are also listed as " AVAILABLE '' on my account landing page. I am not notified that I ca n't use ANY of my points until I get to the last step of the transfer process, which I presume to be an attempt to hide from the customer that this freeze has happened. From a company who supposedly prides itself on customer service, there is certainly not a lot of clarity from this company and I 've received only canned responses that clearly show my first complaint was not read properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25
Company: Healthcare Receivables Group, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I went to the hospital in 2010 when I XXXX in a four wheeler accident. I had XXXX taken and was told it didnt seem too bad as I looked at the XXXX with the nurse. The doctor decided XXXX would be a good idea. I made the decision to not have the XXXX considering I had no health insurance at the time. When I was explaining that I would not need the XXXX, the staff and my father decided to persuade me to have the procedure. At the time they were giving the best help possible. I informed the staff and my father that I would be leaving without XXXX, and at this time they decided to hook me up to XXXX XXXX to prepare me for the XXXX. When the staff left I looked at my father and told him I am leaving, and now I 'm being billed not only for the x rays but also the XXXX XXXX which were hooked up after I tried explaining that I was not having the XXXX. I removed the XXXX and left the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Rewards

Complaint:
When I signed up for the American Express Premier Rewards card, I was offered XXXX membership rewards points for a spending of {$2000.00} in eligible purchases within the first 3 months of the account opening which should be before XXXX/XXXX/2016. 
I completed the spending requirement of {$2000.00} in eligible purchases on XXXX/XXXX/2016 but I still have n't received my bonus offer points. After chatting with an American Express representative named XXXX through the American express online chat on XXXX/XXXX/2016, XXXX at first told me that I did not meet the {$2000.00} requirement. But after he and I went through all the transactions, he confirmed that I made over {$2000.00} in spending of eligible purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Social Finance, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, I received a collection notice from the collection agency XXXX XXXX, stating that I owed the original creditor SoFi Securities {$1100.00}. The debt was then purchased by XXXX XXXX 

I had no prior knowledge of this debt and contacted SoFi Securities for the background. I learned from SoFi Securities that someone used my identity to open a money account in early XXXX. The person overdrew {$1100.00} from this account and never made a payment. 

In XX/XX/XXXX, I contacted XXXX XXXX and explained to them about the identity theft that the debt is not mine. I also filed a police report and a Identity theft report with the Federal Trade Commission. I also mailed XXXX  XXXX a formal letter along with copies of identity theft and police reports ( see attached ). I also submitted copies of the reports to SOFI Security. 

In XXXX, I received a fraud packet from XXXX XXXX XXXX, a collection agency that is related to XXXX XXXX. A fraud packet asked for details about the identify theft. I completed the package and sent it back along with a police report and identify theft. 

However, in XX/XX/XXXX, I still received another collection notice from XXXX XXXX XXXX stating the debt is now placed with them for collection ( see attached ). I called them and the representative told me that my identify theft report and fraud packet were denied. She was unable to give a valid reason of why it was denied and insisted I owed them the debt. 

I would like to submit this complaint as the debt was not mine. I have filed a police reports, identity theft reports, and signed affidavits that I am a victim of identify theft. Would you please help provide a solution to the situation as the collection agency is still going after me for a debt I do not owe. My concern is without a solution, they will continue to contact me and potentially impact my credit. 

Please let me know if you need further information to move forward with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have been living in XXXX since XX/XX/XXXX and was never contacted by Midland Funding or XXXX XXXX XXXX, their New York legal representatives. In XX/XX/XXXX there was a judgement entered against me in County of XXXX court which, in turn, was added to my public records on my credit report. 

After requesting a copy of the procedural filings in XXXX County ( where I used to reside with my parents ) I noticed that the process server, hired by XXXX XXXX XXXX, falsified service to my mother. My parents moved from that house to XXXX prior to the alleged date of service on the court records. The description of my mother is XXXX inaccurate. 

In order to get this removed from my credit report I must pay an attorney {$1500.00} to take the case, which I can not afford to do at this time. After reading horror stories online I realized that I am not alone. XXXX XXXX XXXX, in addition to Midland/Encore, are deceitful in their business practices and should be forced to pay penalties for unjustly destroying the credit of XXXX Americans.

Company response to consumer: Closed with non-monetary relief