BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI is claiming that I owe them {$69.00} with an Account Number:XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am not liable for this debt of {$4800.00} with XXXX XXXX XXXX account number XXXX. I do not have a contract with XXXX XXXX XXXX. This company did not provide me with the original contract that stated I have a contract with XXXX XXXX XXXX along with my wet signature and id verification. The contract provided is inaccurate and has been rescinded. This company is illegally impersonating themselves as an auto loan installment on my credit report but they are an official debt collection agency. Which is in fact a violation to my rights under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Westlake Portfolio Management has reported late payments that are negatively affecting my credit reports which is a violation as well.

In accordance with the Fair Credit Reporting Act this creditor has violated my right 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose

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 2023-10-10
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX of the preceding year, I received communication from Barclays Bank offering me a significant incentive of 80,000 frequent flyer miles contingent upon my application for a Barclays credit card. In my capacity as a conscientious and law-abiding consumer, I decided to submit an application for a second Barclays credit card, motivated by the aforementioned enticing offer. I did not need another credit card ; Im retired and I travel so XXXX miles would be amazing. Keep in mind, I already have another Barclays personal credit card. They were using my existing account to bait and switch with this offer. 
Regrettably, I have yet to see the fulfillment of the promised frequent flyer miles in my account. Furthermore, I have not received a refund for the {$95.00} annual fee that was levied, subsequent to my expenditure of {$2000.00} on the card. My primary concern pertains to the non-fulfillment of the promised miles, which I had been anticipating with eagerness. 
When I engaged with the customer support division in an attempt to address this issue, the response I received was notably disheartening. I received a brief, two-sentence letter that effectively communicated their unwillingness or inability to rectify the matter in an amicable manner. This response gave the impression of a lack of commitment towards resolving the matter in good faith. 
In light of this unsatisfactory experience, I have opted to terminate my credit card account with Barclays. Additionally, I am pursuing a formal complaint through your esteemed office due to concerns that deceptive practices may have been employed in soliciting funds from unsuspecting consumers. 

It is indeed disheartening to find myself embroiled in this predicament, and I earnestly implore your organization to take prompt corrective measures. Enclosed herewith, please find an invoice detailing the annual fee that was charged to me, for which I expect full restitution. 
I have documentation proving that they baited 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 2020-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I can not get Bank of America to reimburse my final payoff overpayment for my mortgage. On XX/XX/2020 I sent a personal check to their payoff department in XXXX Tx. in the amount of {$1400.00}. This was the payoff good until XX/XX/XXXX. On XX/XX/XXXX I waited over 2 hours to speak to a rep to ask why my check had not been cashed. He could not find any information on the check and suggested that I wire transfer the money to BOA. Subsequently I was informed when I called back that my mortgage was satisfied on XX/XX/XXXX. Not knowing this, on XX/XX/XXXX, I spent {$30.00} sending the new payoff amount of {$1400.00} to their wire transfer department from a different bank. I have the Transaction Reference Number and the MRC account number into which the funds were received. However, on XX/XX/XXXX, my bank registered that the original check had been cashed closing my mortgage account, but my wire transfer money was not returned. On XX/XX/XXXX I spoke with XXXX after waiting on hold for 90 minutes, who promised me that within 24 to 48 hours this wire transfer money would be sent to my checking account ( gave him my routing number. ) Nothing happened. On XX/XX/XXXX I spoke with XXXX after waiting on hold for over 90 minutes, who transferred me to manager XXXX after another 30 minutes. She promised that within 24 to 48 hours she will make sure this is resolved. Once again it did not happen, and never a return follow-up call to me at any time on this issue. It was necessary for me to take out a loan to cover this second payment. Is this bank XXXX? Is this wire XXXX? Is this total incompetence on the part of Bank of America?

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 2021-09-22
Company: Garcadia Financial LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I XXXX XXXX XXXX am a consumer pursuant to 15 USC 1692a ( 3 ). This is a notice to Foursight Capital that it is my intention to invoke my right to rescind the contract that was created on XX/XX/XXXX in between I, XXXX XXXX XXXX, a consumer and XXXX XXXX XXXX, and then assigned to Foursight Capital as an assignee creditor. 
Pursuant to 15 USC 1635 ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. 
I was never delivered the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter.

Pursuant to 15 USC 1635 ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You are in direct violation of the fair credit reporting act ( Account name & number # ) has violated my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: NE
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:
XXXX Account # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit profile. 

Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above reference account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Deb Collection Practices Act 15 USC 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15U.S.C. 1681n ]

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 2021-03-18
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX  XXXX is reporting inaccurate information to all three credit bureaus XXXX, Experian and XXXX. They are reporting that I was late 30 days one time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.

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 2023-11-22
Company: DISCOVER BANK
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged {$600.00} by XXXX on XX/XX/XXXX for a massage table. I received the incorrect item. I contacted XXXX who then sent XXXX to my home to collect the massage table and XXXX left me a receipt with a tracking number. After about XXXX weeks, I called XXXX to find out where my refund was and they stated that I would have to wait 60 days for a refund. As far as I know that is not legal, and XXXX suggested that I dispute the charge on my credit card. So thats what I did. I provided Discover with everything Needed to show proof of return and proof of wrong item being sent to me to begin with. XXXX then reply to that dispute with XXXX pieces of paper actually showing the tracking number and that they received the return, so I am unsure as to why Discover is refusing to find in my favor, but they said theres nothing else I could do. I called XXXX and they said that I only had 30 days to file an A-to-Z claim, which I was not offered back in XXXX. It has now been around XXXX months, so I am unable to get a refund from XXXX and Discover is refusing to resolve the dispute in my favor. Again I have proof of delivery, however, the tracking number is no longer valid after 120 days on ups.com but you can still call them and they can verify delivery. Plus I have screenshots showing that it was delivered back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, National Credit Adjusters appears to have purchased a debt from XXXX XXXX XXXX XXXX for an account where the Original Creditor was " XXXX XXXX ''. This account was originally opened XX/XX/XXXX, and originally went to collections in XX/XX/XXXX ( according to a previous credit report pulled in XXXX ). As of XX/XX/XXXX, NCA changed the " Date Opened '' on the debt to XX/XX/XXXX, thereby resetting the time the debt will remain on my credit. I believe they did this using the COVID-19 pandemic as some way to justify changing the " Date Opened ''. I have filed disputes with both XXXX  AND XXXX but both concluded the information was accurate, per the information provided by National Credit Adjusters, even after I told them to check my report history and they were able to see the previous account from XXXX  XXXX XXXX XXXX with matching balances while I was on the phone with the Credit Bureau 's Customer Support. However, I have my credit report that was pulled back in XXXX, when I purchased my house, that shows the Original Date on the Debt w/ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and going to collections in XX/XX/XXXX. I'm filing this complaint because I believe that National Credit Adjusters is purposefully committing fraud, using the COVID-19 pandemic as an excuse to " reset '' the original date of debts they've purchased, in hopes of being able to force collection. I have the previous credit reports to backup my information that this debt did NOT originate in XX/XX/XXXX, but in XX/XX/XXXX and due to the debt being eligible to come off my report next year, believe that National Credit XXXX is maliciously attempting to capitalize off of loopholes due to the pandemic, in order to keep the debt on my credit, and possibly even pursue legal action against me in the future in order to collect. Neither XXXX  nor XXXX will explain to me how the Original Date of the account was allowed to be changed, nor what documentation National Credit Adjusters provided to backup their claim. This account is severely impacting my credit and at this point I'm at a loss as to how to protect myself in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: U.S. BANCORP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
1- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , PA.XXXX ( XXXX ) sent my letters to connect {$10000.00} 2- XXXX  calls me twice per week phone # XXXX XXXX time XXXX XXXXXXXX  and XXXX time XXXX XXXX  XXXXXXXX  I want to stop calls and send letters because I am XXXX XXXX XXXX and have no income, receive money from Social Security only

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 2023-10-08
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was financed thru Hyundai Acct. No. XXXX. On XX/XX/XXXX I was rear-ended and my XXXX  Hyundai was totaled. The driver 's insurance reached a settlement of {$24000.00} and that check went to pay off my loan in the amount of {$9100.00} leaving a overpayment of {$15000.00}. The finance department shows the payoff as of XXXX. After numerous customer service calls - we still have not received our overpayment. 
I have tried to get someone to help us as I would like to purchase a vehicle. Always just call customer service and that never works. Is there a way to get some assistance? 

I you need anymore information please e-mail me. 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 2021-10-15
Company: EQUIFAX, INC.
State: TN
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/2021, I sent a letter regarding inaccurate and inconsistent things on my credit report to this day over 60 days later, 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 ), it is plainly stated that a failure to investigate these items from my credit report, it has been over 60 days so they should be deleting promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused they cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I previously submitted a complaint ( XXXX ) against Flagship Credit Acceptance , I uploaded all of the documentation including correspondence to them and from them, copies of my affidavit of facts which was notarized, and green receipts, to which they replied my request was frivolous, they said this dispute was previously investigated which in fact wasnt, and they also stated that they reasonably believe that my dispute was prepared for me by a credit repair organization. I am a consumer and I know my rights, I do not need a freaking organization to fix what is not broken, Flagship has violated my consumer rights and I have found the violations, I have stated my demands, and I have sent a copy of my bill of particulars that I am owed. This needs to be resolved now, this company is taking full advantage of consumers that do not know their rights and now I am aware of mine and will continue complaining about their violations without the need for any help from no credit repair organizations, which if Flagship keeps mentioning I will educate them how credit repair organizations also violate consumer rights. I feel offended at the fact that I can not use the appropriate verbiage and/or cite codes because Flagship deems it frivolous. Flagship is a fraud, has caused me emotional stress, has caused me money and hardship, they need to be held accountable for their false advertising, false and deceptive forms, I AM A CONSUMER AND I AM EXERCISING MY XXXX RIGHTS THAT FLAGSHIP HAS DECIDED TO CALL XXXX FRIVOLOUS. 
I have done my administrative process, I have my exhibits and if this is not resolved through CFPB I will gladly scale this to court and continue my process until I get my remedy. 

THE UPLOADING PROGRAM DOES NOT LET ME UPLOAD ALL OF THE DOCUMENTS AND EXHIBITS BECAUSE IT IS LARGER THAT THE ALLOWED SIZE

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My refinance company checked my credit and I was inundated with unsolicited loan offers. I have been receiving so many phone calls it's having a negative effect on my business and it's costing 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