BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-09
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received a notification on XXXX by a letter dated XXXX to appear in the Magistrate Court of XXXX County for Civil Action Number : XXXX. - LVNV Funding vs. ******* ( Last Name is misspelled on action ) The letter states that I need to appear in court on XXXX. I do not owe LVNV Funding and do n't know what the debt is. Many years ago I closed several credit cards and in XXXX went through a personal bankruptcy where all debtors were paid in full from the proceeds of a major personal injury lawsuit recovery in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Central Portfolio Control Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on my credit card account under a open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24
Company: Real Time Group, Inc.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Real Time Solutions reported on our credit that we were in default of a loan from XXXX 2012 in the amount of {$45000.00}. We have never done business with this company ; we have never received any type of correspondence nor have they ever tried to contact us. This is an erroneous report on our credit from a company we have never even heard about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: GOLDMAN SACHS BANK USA
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: Information belongs to someone else

Complaint:
I have a fraudulent account listed on my credit report, called Goldman Sachs Bank USA, which date was opened on XX/XX/2018. I have disputed this fraudulent account with XXXX and they have not removed this account from my credit report and XXXX and Goldman Sachs Bank USA is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this fraudulent item immediately and if it is not removed, then I will be filing a lawsuit against XXXX and Goldman Sachs Bank USA for not removing this fraudulent item from my credit report and not being in compliant with the FCRA. I have attached a police report and affidavit which I already reported to credit bureau already and they have some kind of way verified it accurate and it is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My Macy 's cards were stolen. I was successful in getting the fraudulent purchases removed from my credit reports. The company opened XXXX new cards for me. 
Recently, in retaliation they closed XXXX of my new cards. A customer rep maintained that I requested this action. I did not initiate anything resembling this. 
My payment records are perfect, and the retail staff was not authorized to close this new card. They were expected to send me a new replacement card, which they never did. 
This is an act of discrimination.

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 2022-05-13
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I opened a letter from the debt collection agency Hunter Warfield attempting to collect a debt for {$160.00}. The debt was the XXXX XXXX XXXX XXXX  in XXXX, FL, where I had previously applied for an apartment. The XXXX dollars was the price of a fee after I rescinded the {$380.00} payment I had made to process the application. Why was the payment rescinded? The {$85.00} application fee and the {$300.00} administrative fee were paid to PROCESS an application, however, the XXXX staff failed to process my application. In fact after submitting my application, the XXXX was never heard from again. So, no, I did not allow them to keep my payment. For them now to attempt to collect a fee after making no attempt to earn my application fee is absurd. 

I verified this information with both the debt collector and the apartment complex yet the debt collection account still stands.Instead, of removing the collection account, the apartment complex promised to call me back with a resolution, failed to provide a callback, and instead manually changed the application status to denied post-notification of the issue via phone call ( as I assume that they think people are too dumbt to check on these things ) with the representative CONFIRMING the application had not been processed. 

I hope anyone reading this will stand clear of both apartment complexes like the XXXX XXXX and their debt collector, Hunter Warfield.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Over the course of the past five months, I received several credit card statements, all branded cards issued through Synchrony Bank, at various stores ( e.g., XXXX XXXX, XXXX, XXXX XXXX, etc ). After receiving the first credit card statement, I believe in XXXX or early XXXX, I called Synchrony Bank and advised them that I did not open a credit card account and that the other persons name on each statement was a stranger to me. I am an attorney, so I verified to them that I had never represented any individual by that name. The representative of Synchrony Bank confirmed that my social security number had not been associated with the account. 

As of XX/XX/2020, I continued to receive statements in various individuals names and and, on each such occasion, I called to report the continued problem until such calls proved pointless and outrageously time consuming ( 2 hours per call ). On each occasion, I provided an account number and again received an assurance that my social security number had not been associated with the account. I also received, however, assurances on every phone call indicating that I would not be receiving any further statements. The fact that this assurance was not met has caused me to question all assurances given to me by Synchrony Bank. 

I began sending the statements directly to the fraud department at Synchrony Bank and have not even received an acknowledgement of the problem. I have continued to receive fraudulent statements every week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act 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 account # XXXX has violated my rights. 


15 U.S.C 1681 section 602.A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: SUN LOAN COMPANY INC.
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
This is my XXXX request to CFPB to file a complaint. I have provided written cease and desist notice by mail XXXX/XXXX/2015 XXXX ). The phone calls continue. I sent another letter on XXXX/XXXX/2015 and today I faxed the letter to please stop the harassing phone calls. The phone calls have escalated to XXXX a day. I work from XXXX M-F and drive patients to their appointments for a living. Sun Loans calls my personal cell phone everyday.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have the Citi Thank You Premier card and wanted to transfer some Thank You points to XXXX. When calling, their agent asked for my XXXX member number as well as my password. 

I refused to do so as this would mean the agent would be able to access my XXXX account online. After complaining about this to Citi, the reply from one of their Security Specialists was " in regards to your XXXX ID and password, we are able to ask for that information over the phone at this time. '' Although he confirmed that he 'd be escalating the matter further, it 's deeply concerning that their policy is to ask for a customer 's username and password to an account over the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: U.S. BANCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I made international wire transfer at US BANK in XXXX, Washington State. I was told by the branch XXXX XXXX XXXX XXXX that I would receive the receipt by email within one hour. However, all I got was just PAR number without recipient/beneficiary. I NEVER got official receipt. I was trying to contact XXXX ( emailed, called, voice message... ) but got no reply. Called US BANK XXXX but got no reply either. Called US BANK wire transfer department but they told me that only the branch was able to release my receipt. I sent $ XXXX and got no receipt. Called US Bank customer service and was told by the representative that he will file a complaint against the branch manager on be half of me but I don't think he did because he was rude, unprofessional and biased

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 2015-06-15
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I financed a vehicle in XXXX XXXX from a company in XXXX County California called my car agent. It was a buy here/ pay here deal where I made my payments directly to the company due to my credit score. I had the car for over a year and made all my payments on time. I ended up losing my job in XXXX of XXXX and my unemployment benefits ran out later in the year so I was unable to pay my car payment and still without a job. By that time the company had changed their financing to a company called drive it financial services. So when I surrendered my vehicle it was a repo and the company started trying to collect. They never sent me anything regarding how much the car was sold for or the manner in which is was disposed. It was a XXXX Saturn with XXXX miles on it. I owed a little over XXXX on the car and when I started being harassed for collections I was told that I now owe about XXXX meaning the car was sold at about a thousand dollars. I received many harassing phone calls from people claiming to be lawyers who were rude and I requested documentation verifying how and when the vehicle was sold in order to ascertain how much I truly owe and the company refused. I do not feel comfortable moving forward and paying a balance if there is no proof that I truly owe this. What if this car has been sold for more money or financed to another individual and I do not owe this amount they are seeking? I need answers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: First Advantage LNS 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: Their investigation did not fix an error on your report

Complaint:
XXXX  is an absolutely outrageous company to deal with. Their customer service is rude and their process is extremely slow. XXXX is the only agency that is reporting such inaccurate information. I've disrupted before and they ignored with an automatic response. I've sent a letter, they claim they didn't get the letters. I've sent a letter to there executives, they go in a put on the file that they are " reinvestigating '' when they never " investigated '' in the first place. 

My letter to them was to serve as a formal notice of my intent to file a complaint with the FTC, due to your disregard of the law. XXXX claimed to have somehow verified the items I requested. Therefore, I legally requested a description of the procedures used to verify the information. 

I was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: 2288984 Ontario Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2019, I submitted a written email three ( 3 ) business days PRIOR to the date of my next loan payment and revoked authorization for an ACH withdrawal. Within in a few hours of that same day, XX/XX/2019, I recieved a written response from an agent, XXXX, who stated via the email below that they received the response, turned off ACH and that they would not direct anymore withdrawals from my account. On XX/XX/XXXX, the company made an automatic ACH withdrawal without notice. 

Hello XXXX, Thank you for your email. 



We have received your your request and have turned off the ACH Authorization accordingly. We will not direct any automatic payment request to your banking account. 



Please remember that now you will need to call us on your due dates to make the payments with a debit card. 


If you have any questions you can call us at XXXX during the business hours of XXXX XXXX XXXX XXXX and an agent will be able to assist you. 


Best Regards, XXXX. 


MoneyKey Customer Care P : XXXX XXXX XXXX XXXX F : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX finally sent my credit report. I am a victim of identity theft. This has gone on for years and XXXX, Equifax and XXXX maintain the false information. I must continue to provide information for them to update my credit correctly. 
I am in an unending circle of fraud, and it will not go away. Then the female that utilizes a MIchigan identification in my name has vehicles in my name that the State of Michigan will not do anything about because the vehicles are registered properly. 
I have NO vehicles at this time. I have all sorts of inquiries many years old that is reporting on my credit files that I did not approve. And when I issue a dispute with any of the XXXX bureaus, I receive correspondence that the information is correct. 
I need help. I am utilizing this XXXX XXXX report, but XXXX XXXX stated for me to file a claim with you regarding what I have experienced since 2008. 

I also had XXXX XXXX put a freeze on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is the 2nd complaint that I've filed against this company for the same issue. 

I have promotional balances with expiration dates. # 1 They never apply the payments there. I have to call and ask them to manually move payments, which is not right because they will charge me the full interest on the original purchase amount if it's not paid off by the date. 

For the past two months I have called and asked for allocations of my payments. Each time I was told that my remaining balance for the promotion ending XX/XX/2019 would be {$110.00}. I paid {$110.00}. But, the promotional balance is still showing as {$50.00}. 

When I called today to speak to a supervisor about it, I spoke with XXXX. She advised that twice the customer service agents gave me the wrong amount, but there was nothing they could do about it. 

Care Credit is for medical/dental/veterinarian services and I feel like this company tries real hard to charge people as much interest as possible. It is truly a labor on the part of the consumer to make sure that Care Credit doesn't rip them off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
XXXX hired Financial Asset Management Systems ( " FAMS '' ) to collect on a student loan. Under Consumer Financial Protection Bureau ( " CFPB '' ) complaint number XXXX, FAMS stated that they did not contact me after XXXX XXXX, 2015, which was a flagrant lie and a flagrant violation of the Fair Debt ColIections Practices Act. I have attached a letter from FAMS where they confirmed they tried to call me on XXXX XXXX, 2015, even though they had received a written cease and desist letter from me in XXXX 2015 and another one in XXXX 2015. Both of which were logged in the CFPB complaint system and were in writing. In addition, FAMS again lied under complaint number XXXX, where they stated they had n't contacted me after XXXX 2015, which was another lie, as I have the phone records of FAMS calling me on XXXX XXXX, 2015, in addition to FAMS ' own written confirmation that they contacted me on XXXX XXXX, 2015. FAMS is engaging in deceptive debt collection practices, and their frequent misrepresentations are flagrant violations of the Fair Debt Collections Practices Act. In addition, their contact and their harassment after I had sent them written cease and desist letters has caused me severe emotional distress and health related issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting acXXXX 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 Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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