BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: NY
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:
There are multiple inquiries on my report that are inaccurate and affecting my score. I need this rectified. I have tried reaching out to the creditor contact XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX in hopes of resolving this issue. I have never purchased a vehicle from this automobile dealership. the inquiry date is XX/XX/2021. I have no idea who used my information to try and get a car loan. There were multiple inquiries made on the XXXX under experian. An additional one was done on the XX/XX/2021 a day later. This is severely affecting my credit score and is being reported on there inaccurately.

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 2022-11-15
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
The company was written XX/XX/2022 and advise to update my address which is my current address and name and not number they said I sent a letter with a request to update my personal. 

I believe someone is fruading my personal information because old information is showing up in my 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 2015-10-28
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Asset Acceptance hired attorney XXXX who filed judgment against me XX/XX/XXXX on a debt that is not mine. They just recently levied my XXXX XXXX XXXX account in ths amount of {$860.00} I contacted Attorneys office and they advised me to file police report of id theft and that this alleged debt is not mine. I filed police report along with FTC complaint and submitted all documentation to attorneys office by certified mail USPS tracking # XXXX XX/XX/XXXX They advised me they would speak to there client and get clarification of the debt. I have called there office every week and they claim that it is still being investigated and that there client has not responded to them with definite answer on validation of this debt. I have asked for my money back from bank levy and to this day they have no answer for me or cant even tell me where this debt came from. Please get me my money back this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions 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:
The company XXXX has taken my personal information and shared it with a 3rd party agency. 15 usc 1681 a paragraph 2 subsection ( a ) ( i ) report containing information solely as to transactions of experiences between the consumer and the person making the reports. Also 15 USC 6802 a financial institution may not directly or through any affiliate disclose to a non affiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. In both cases, I did not consent and was never allowed to opt-out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: Trident Asset Management, L.L.C.
State: NJ
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:
I paid my past due account of XXXX directly to XXXX on XX/XX/2013 and have the bank statement to prove it. Trident stated they purchased the debt XX/XX/2013 from XXXX Although I have proof of the debit from my checking account they refuse to accept the copy of my bank statement. This debt is paid since XX/XX/2013

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 2017-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When checking my account at Bank of America today I discovered I was charged {$140.00} for overdraft fees (  $  XXXX x4 ). I kee p  my money at different institutaions and use my checking account and BofA only to pay certain bills. I s et up an alert to notify me if my balance dropped below a certain amount, but when I was notified it was alreay after they charged those excessive fees. In addition, when looking at the different transaction they are processing the big $ amount items first so they can collect more in fees. Wi th one of the transacations I endup paying {$35.00} in overdraft fee for a cup of coffee I purchased. I reached out to  them today, but they were unwilling to offer any help even though I 've been a client for over 15 years. Thank you in advance for your consideration.

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 2022-11-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I deposited {$740.00} into my Synchrony Bank XXXX account and when the funds cleared and were posted I was sent a ATM card that I activated but every time I try to withdraw funds I get a technical error saying come back later. 
I've spoken with 4 representatives and they just tell me that I'm under review?

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 2021-07-31
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Huntington  bank closed two accounts of mine without warning. Money being deposited into the account was not refunded in a timely manner.     When my account was closed by the bank, I was not able to receive any information as to why after repeated calls to customer service.     Accounts were closed  X/XX/17.       XXXX  is not being returned to me from my business account in a timely manor. Due to these delays I am not going to be able to pay off my credit cards prior to the due date and will be assessed fees. I have a   XXXX   XXXX   due date on  3  of my credit cards. The funds were removed from my account on   XXXX   XXXX  . The bank refused to wire me the funds to a different account.      XXXX  is not being retuned to me in a timely manner from my personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB, I'm XXXX XXXX the owner of the property at XXXX XXXX XXXX, XXXX, CA XXXX. Please allow this letter as a complaint as well as seeking for help letter regarding my Mortgage # XXXX with Amerisave XXXX. I'm currently up to and always pay the mortgage on time. However, there is problem recently with the property tax that make me feel overwhelmed and over budget. When I first purchased the house, the lender estimated my property tax to be around {$6500.00} for the first year and it would only increase about 2 % every year if the market goes up ( this is protected by California Prop 13 ). They calculated my DTI using my debt at that time and the estimated Property tax, Property Insurance, Principal and Interest payment. The law requires them to to factor everything in so the borrower can pay the mortgage and keep the house in the long run. I the final disclosure that I signed at closing, the property tax is still estimated at around {$6500.00} and that is verified with the county and appraisal. However, as long as I purchased the property, there is a substantial amount of increase in property tax that make it way over my budget. I understand that estimate can be wrong, however, there must be a margin of error at 10 % by the law so that even if it's wrong, the owner can still afford it. In this case, the new property tax is {$13000.00} which is almost double the amount that they estimated to factor in for the debt to income ratio. This make the debt to income ratio to be over 90 %. Now that I called them and they denied their fault when process the loan. They could have just denied the mortgage at that time, and advised me to find a cheaper house. They tricked me in the mortgage with cheap payment monthly, and now when their estimated number is wrong, they refused to help. Could you please help me with this? 

I have attached the Final Disclosure I signed at closing for your reference. 

Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had know ideal I had this account with XXXX XXXX Whom the sellers are XXXX XXXX. Until I seen it on my credit and a notice of payment. I then contacted XXXX XXXX XXXX XXXX informed me they had turned it over to XXXX XXXX I need to get in contact with XXXX XXXX XXXX I didn't get a good response. I then hired an Attorney made a police report put a freeze on my credit a fraud alert. The Attorney worked very with them conference calls, Documents. A signed affidavit. and more. XXXX XXXX sent me some documents showing what was purchase. I explained to XXXX XXXX, We had rented out rooms to some boarders but I had never seen any of that merchandise. Whoever the person was made payments on the items, I had know ideal what was going on At the time all this was happening I was taking care of my ill husband who died at home. I had know time to do any of these thing. also XXXX ware coming and going, They even told me I need a break but I never left my husband side. Everything he need was being delivered by different drivers. I took very good care of him, until he pasted on. I then stopped allowing boarders to live in our home. I had know time I mean Know time to think about shopping a XXXX XXXX, XXXX XXXX XXXX stop pursuing payment but will not release it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
My American Express card was duplicated in XXXX, 2016 and according to American Express over {$100000.00} charged to my card. I contacted American Express FRAUD Division and was told not to pay on my account until the account was reconciled. As of this date, my account is still not in balance. I was accessed over {$700.00} is late fees and American Express has not waived the fees. I called them in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was directed to pay the late charged and fees and American Express would refund the overpayment to me. 
I am receiving letters addressed to a previous residence. I received a letter stating my late payments will be reported to consumer reporting agencies. This is an abomination XXXX. Complete disrespect for a consumer who has been with Amer Ex for 30 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I took a remote job from a company called XXXX XXXX. I was into town work in accounts receivable and get 5 % commission for everything that I collected. I received a cashiers check from a client named XXXX XXXX in the amount of {$3800.00}. I was instructed by my XXXX XXXX XXXX to wire the collected funds to a XXXX XXXX XXXX account to a XXXX XXXX in XXXX, GA. Turns out that the cashiers check was fake and I got scammed. My bank account was depleted and now I dont know how Im going to pay for my education next semester. I filed a claim with the FTC and was sent here in hopes that I might be able to get my money back. Im out {$3600.00} because of this and I need help to get it back. The bank informed me that Im liable and the FTC says that youre my only hope. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Oliver Adjustment Company of Kenosha & Racine, Inc
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
on XXXX XXXX i sent a certified letter to oliver adjustment requesting validation ( a signature showing i have a contract with, owe money to or have ever done business with them ). it was signed for on XXXX XXXX after 30 days, this company has not sent me any validation of the so called debt, nor have they marked this disputed as i have pulled my credit report this morning and time stamped it. they have broken Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] by not doing either in the required 30 day by law

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Sychrony Bank Care Credit lost my final bill payment ( conveniently for them ) ( for the 2nd time ) and charged a late fee and a service fee -- -- -- -- -- -- This is the 2nd time I am utilizing Care Credit through Synchrony Bank to pay a Dental bill. 

And it is the 2nd Sychrony Bank has denied recieving the final payment and charging me a late fee and a service fee. 

The 1st time I utilized Care Credit in XX/XX/XXXX, I paid the full balance within the 6 months, 0 % rate period and they say they never received my final bill payment and charged me a late fee and a service fee. 

The bill was sent via USPS a week-and-a-half ahead of the due date and should have been delivered on time. 

I definitely sent the bill to the correct address, as they provide the correct address on their payment coupon which fits into the address window of the envelope they provide. 

All other bill payments were received properly. 

However, Sychrony Bank sent me another bill claiming they never received the final payment in full. 

I never received the payment envelope ( with the check in it ) back at my return address ( which I make sure is on every correspondence ) from USPS. 

I believe the payment was received and discarded so Synchrony bank could charge me a lae fee and a service fee. 

This is EXACTLY what occured the 2nd time around. 

I had dental work done again in XX/XX/XXXX. I FOOLISHLY used my Synchrony Bank Care Credit to pay for the dental bill. 

I paid the bill down to a final payment. When the final payment was sent in ( on check XXXX ), Synchrony Bank claims they never received it and charged me a late fee and a service fee. 

I decided not to pay the service fee or the late fee as I had the first time. I sent them the final payment again ( on check XXXX, the very next check number in the series ), via USPS Certified Mail. This way, I have proof they received the final payment I enclosed a letter in this final payment explaining that this was the 2nd time that Synchrony Bank had pulled this dishonest stunt on me. I asked them to undo the fees and accept the final payment as payment-in-full. 

They sent me back a bill with the late fee, another service fee and started charging me 29.9 % interest on the fee balance. 

I contacted their Customer Service Dept. and the representative told me that there was nothing she could do about removing the fees or the interest. 

I have been told of this exact scenario occurring to other people by Synchrony Bank credit company. 

I am interested in getting this resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting an inaccurate incorrect Bankruptcy on my credit report i disputed they claimed to have verified received a copy of my report from their source doesn't reflect any bankruptcy so i am not sure as to why they are reporting inaccurate unverified erroneous information on my report would like them to investigate as to why they are reporting incorrect information on my 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 2016-03-21
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
After logging in online on XXXX/XXXX/2016 and previous being logged in online through my account on XXXX/XXXX/2016 I noticed that Amazon Credit Card ( Synchrony Bank ) had lowered my credit limit from {$600.00} to {$100.00}. Which is very funny seeing that I just had their card security make a payment to pay the prior balance of over {$700.00} as a debt cancellation just two days before and that posted on XX/XX/XXXX. Well on XX/XX/XXXX even though the statement generated on XX/XX/XXXX shows available of {$100.00}, it still showed I had an available credit limit of {$600.00} and - balance on my account. Well when I woke up on Sunday to make a purchase I noticed I only had a {$100.00} limit I immediately called them and spoke to a manager who informed me the reason that my account limit was lowered was because of the claim being filed and the account being paid off by card security. I asked her again how is that fair that something that is there to protect someone 's credit causes them to have negative effects on the credit when they use it. She then changed her story stating that the limit was lowered because after the payment a new credit report was pulled and that the decision was based on factors that were obtained from that report and that this is something that Synchrony randomly does but has never done in the time I have had the account and also they have pulled my credit prior to XX/XX/XXXX because I had tried to get a credit increase and it was denied because of credit at that time, so that theory of randomly being selected should be knocked off the list of why my account was lowered. This is the company 's attempt to fault customers when they use the card protection on the accounts they have with Synchrony Bank and they are using excuses of random credit report checks, or your pay history ( which before the event happened was paid every month ) to justify lowering a customers credit after they use the account security and something should be done about this because if you research it online there are XXXX 's of other customers this has happened to after using card security and they continue to get away with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A letter was sent to my brother regarding a debt that I owe. The collection agency gave him a copy of a subpoena, which I do n't think is valid. They identified themselves as debt collectors, trying to obtain information to collect a debt and included the amount of money they are trying to collect. I have all this information in writing in a letter addressed to my brother, who lives at a different address. There is a questionnaire to fill out and at the bottom it is threatening my brother with legal action against him. My brother in no way has anything to do with this loan, nor ever had anything to do with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I just paid a large portion of my, R'US ' Mastercard from Toys r us and Babies r us, credit card off, to under XXXX % usage when the credit card company decided to lower my credit limit and then immediately reported it to the credit bureaus so that it looks as though I am using XXXX % of my available credit when it was below XXXX %. On top of that, I paid XXXX on my card and they lowered it from XXXX to XXXX leaving XXXX dollars available and they did it based on false information that is being corrected and fixed on my credit accounts that I was unaware of. How am I supposed to get wrong information corrected on my credit when I am not informed that it was added to begin with! 
They wanted to use my debt to usage ratio as one reason when they are not even reporting their balances correctly? They also wanted to use my history of accounts as a reason when I can not control my history of what is being reported. How is this my fault or my responsibility to control when I can not? This hurts my credit and takes far longer to recover. It affects how much my interest rates are and costs me 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 non-monetary relief