BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-22
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Barclay 's Bank. XXXX XXXX XXXX. On XXXX XX/XX/2019, 3 days ago, a credit was recorded on my account for a purchase which was refunded in the amount of {$340.00}. Three times yesterday my card was denied at merchants for amounts less than {$25.00} each. 
I went online and, as is 100 % of the time, the amounts reported on the website are inaacurate and do NOT add up. The website states : Credit Limit {$500.00}, Current Balance -  {$150.00}, available credit {$1.00}. 
I charge on average {$2000.00} per month on the card to get XXXX XXXX mileage. 
I have to visit the website 5-8 times a month to see if transactions have posted ( often takes 3 -7 days ). The website will not allow payment of transacations listed as "  temporary transactions ''. Once the transactions finally post I make payment in full. The payments often take 2 - 7 days to post. Making a turn around time for credit to be available of 5 -  14 days! 
100 % of the time the Credit Limit less Current Balance does NOT equal available credit. 
Spent an hour with Barclay 's Bank representatives today. A supervisor told me that the {$150.00} credit on my current balance was available today. Attempted a purchase and it was denied. 
Called and spoke with another supervisor who told me the credit in my Current Balance was NOT available until temporary transactions post. 
For 4 years I have charged and PAID OFF around {$2000.00} per month on this Barclay 's Bank XXXX XXXX XXXX. 
Barclay 's Bank refuses to increase my credit line based on my history with them. 
Website gives innacurate and misleading information 100 % of the time. 
Supervisors give untrue information. 
System is extremely flawed to not make refunded amount available to consumer.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: PA
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:
I XXXX XXXX Currently have some fraudulent accounts and inquiries appearing on my credit report I have listed supporting documentation below.

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 2023-01-11
Company: Advanced Resolution Services 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 1. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Additional Violations : 18 U.S. Code 1341 - dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure or selling my personal information without my consent. 15 U.S. Code 1692d ( 1 ) - for destroying my reputation. 18 U.S. Code 112 ( b ) - for attacking or endanger my liberty as a non-citizen national of the United States due to negative report/s without my consent. 18 U.S. Code 2340A - Torture due to unlawful negative reported, distributed, released, or shared without my consent. XXXX XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ) - Liable for willful non-compliance because of not removing the negative reports which is being reported without my consent. 15 U.S. Code 1681b ( 2 ) - Reporting without my consent. 15 U.S. Code 1692a ( 1 ) - Pretending to be a credit bureau. Demanding Cease and Desist asap. 15 U.S. Code 1681 ( 1 ) - Inaccurate credit report due to no consent reporting. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX vs XXXX XXXX XXXX inaccurate reporting due to intentional defamation/ no consent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX 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 non-monetary relief
Consumer complaint received 2023-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was having a mortage with bank of america bettowen XXXX to XXXX i want to make sure that dont take me more money and sure that i was the correct interest that they charge to 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 2023-05-14
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I mailed complaint /dispute letter to all three major credit reporting agencies. I havent received a correspondence or any kind of documentation or any matters pertaining my credit have been complied with me. This is the fourth time this year and theyre not acknowledging my certified mail thru United States postal service or anything. This is obscured. I will be seeking an attorney to handle this matter soon there are violations 5 frca laws n regulations. I suffer from identity theft its documented with all three credit reports.

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 2019-04-24
Company: Social Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Due to the negligence and error on the companies part in whole my credit was hit and points reduced ( again ) along with them giving me false and inadequate answers as to what the issue may have been  and while I do what they asked to adjust and reapply they again change their points, misrepresent the issue and force me to reapply to hit my credit again. This is latent negligence and mishandling. 

I did everything in my part to help but they decided unprofessional was their best approach to get me off the phone. Their not the first nor the last company handling things as such. 

Still awaiting responses from their executive level as was promised to resolve the issue. 

We will see.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe this limitation has been imposed in error, and I would like to request a thorough re-investigation of my case with the aim of restoring my account. 

I want to emphasize that I have always strived to comply with all PayPal policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a restriction on my account. It is of utmost importance to me to maintain a clean and responsible PayPal account, and I have taken all necessary measures to ensure its proper use. 

Given the above, I kindly request that PayPal 's review team carefully re-evaluates my account activity. I believe that a thorough investigation will reveal that there has been a misunderstanding or error in the decision to permanently limit my account. 

I value my relationship with PayPal and have found it to be an essential and trustworthy platform for my financial transactions. Restoring my account would greatly benefit both myself and PayPal, as it would enable me to continue using your services in a responsible and secure manner. 

I appreciate your prompt attention to this matter and kindly ask that you reconsider the limitation on my account. If there is any additional information or documentation required from my end to facilitate this process, please do not hesitate to let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: TN
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 have the following credit inquries on my consumer report that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Aargon Agency, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I started receiving calls from the company, but did not answer because I always was working during those times. There was no information about what they were trying to collect, and I have received many spam calls. I never received a written letter.

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 2021-06-28
Company: BANCO POPULAR DE PUERTO RICO
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I paid off the XXXX XXXX credit card ( popular credit services ), and then contacted company to close account, and received confirmation letter from company on XX/XX/2021. 

I received a bill for {$2.00} in XXXX indicating that I owed this amount. Having closed the account ( and confirmed ) in XXXX, I was confused. 

I contacted the company by phone on XX/XX/2021. I stated the closure, and they even said that it was closed, but that I owed the {$2.00} to finalize it. I was furious, but I paid it. It has cleared my bank. 

Today, XX/XX/XXXX, I have received another email saying that my statement is ready. What statement? I clearly have proof that my account is closed, paid it in full, and yet they refuse to close my account. 

I feel that they are just hassling me, and I need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft fees being taken out of my account when funds were available

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 2021-06-28
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2021 I send a dispute letter to Experian explaining that the personal information they are reporting is erroneous including the name XXXX XXXX and the address XXXX XXXX XXXX XXXX XXXX, NM XXXX. They are refusing to delete this erroneous personal information even when I sent them a copy of my social security card, My personal ID card and a copy of my insurance statement with my name XXXX XXXX on it. Please CFPB help me with this issue because I try multiple times to dispute and they respond same.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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:
Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. As a first step, I would appreciate it if you could provide me with details. information pertaining to the alleged accounts, including any associated. transactions, applications, or account activities. It is crucial that I review this. information to assist in the investigation and help identify any fraudulent activity that may have taken place. Furthermore, I kindly request that you suspend all activity and remove the related. alleged accounts immediately, including any associated fees, charges, or penalties. I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. the steps being taken to address this issue. Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. confident that you will manage this matter with the utmost attention it deserves. Should you require any further documentation or information from me, please do not. hesitate to contact me at the phone number or email address provided above. Thank you for your immediate attention to this matter. I eagerly await your response. and a resolution to this concerning issue. XXXX XXXX  did a inquiry on XX/XX/ 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 2021-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have no idea why Bank of America is allowed to charge so many overdraft fees. I have 6this month and I barely have a lot of money, that many transactions or bills coming out. I have more fees than money in my bank account often.

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 2018-10-10
Company: NAVY FEDERAL CREDIT UNION
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:
Hi I been trying to dispute a account with navy federal credit union for the longest because I never had an account with them the address they say they have on file that the card was sent to I havent stayed they in 6 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Per FCRA 15 U.S. Code 1692e - False or misleading representations and 15 U.S. Code 1692c Communication in connection with debt collection - Requested that this company cease and desist communicating and reporting false and inaccurate information to all 3 credit bureaus, having negatively impacted my credit report. They have fraudulently reported information to be " validated '' that has not been validated whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX, XXXX XXXX ( Beneficiary ), consumer, natural person, and original creditor of an open end credit plan have been violated with a blatant disregard for my rights by Santander Consumer USA. This company is violating a Cease and Desist Order they have claimed to process in communication with me, specifically 15 U.S.C. 1692a ( 2 ) as they continue communication through third parties being consumer reporting agencies in essence not ceasing all communication with i the consumer as consumer reporting agencies are a medium of contact. These actions have gravely damaged my reputation as well as harmed my confidence in the banking system as a consumer. In addition the assignee ( XXXX XXXX XXXX has failed to CC my Right of Rescission under Title 15 U.S.C. 1635 for the security interest given in the null in void contract ( see attached document ). According to the Truth In Lending Act as well as the Equal Credit Opportunity Act 15 U.S.C. 1602 and 15 U.S.C. 1691a, as an consumer, natural person, and original creditor to an open end credit plan i have disputed this alleged debt and have yet to receive any verification under 15 U.S.C. 1692g that i am liable to you for anything. The Finance charge under 15 U.S.C. 1605 was paid at signing ( where you were not present as you weren't at any part of the contract ) and in fact was not properly accredited and applied to the consumer as insurance was not included ( see 15 U.S.C. 1605 ). For further clarity on my position as a Consumer and Original Creditor See ( 15 U.S.C. 1602 ( g ) & ( i ) as well as 15 U.S.C. 1692a ( 3 ) & ( 4 ) ). This company also violated the Fair Debt Collection Practices Act under 15 U.S.C. 1692e ( 4 ), 15 U.S.C. 1692b ( 2 ) & ( 5 ), 15 U.S.C. 1692d ( 1 ) & ( 2 ), and 15 U.S.C. 1692f ( 6 ) ( A ) & ( 8 ) in the communication they sent me stating they processed a cease and desist. Santander Consumer USA is now civilly liable up too { {$8000.00} } pursuit to 15 U.S.C. 1692k, { {$5000.00} } pursuit to 15 U.S.C. 1611 and { {$5000.00} } pursuit to 15 U.S.C. 1640 ( A ) ( i ) totaling at { {$18000.00} } in which Santander Consumer USA is civilly liable to pay me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested verification of my signature on something from this company thru XXXX. I have made this request over 6 times. All I receive is standard form letters that do not address the dispute. I am just so amazed at the level of incompetence. The last request that I sent in was a 609 letter regarding the collection account. What I received was a standard form letter regarding my address for the past few years. 
I sent several letters to the complaint department requesting the verification and all I received was verification of my addresses over the past 5 years. I am so tired of this company, Dealing with this company has stressed me out if they can not do what a customer/ client request maybe they should let another company come in and take over or just shut their doors. I had no issues getting my request answered from XXXX  or XXXX. 
I am not even sure if your company can help them. At this point, I am looking into suing them or checking and going in on or checking into the new class-action lawsuit against them.

Company response to consumer: Closed with explanation