BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Claim No. XXXX was filed in XXXX, 2021. This is for the reimbursement for the cost of an XXXX XXXX XXXX that I accidentally dropped kitchen sink and is unrepairable and can not be used to make calls because the phone was submerged in the water with dish detergent. I sent all the documentations needed and it was agreed upon that the purchasing of a new phone would suffice the require for a note stating the phone was beyond repair. A XXXX XXXX XXXX XXXX XXXX that cost {$1200.00} was purchased. I sent proof 4 times and 4 times this proof of purchase was NOT attached to my file. I sent emails alleging " game playing '' to keep from paying the claim. I also requested to file a complaint regarding this failure to attach the info that I continually sent to my file. The XXXX has record and shows the payments that were made to XXXX XXXX showing the payments made prior to the damages to the phone. XXXX has all of this as well as the documents that I sent ; however, they are not processing the claim stating they need more information which THEY ACTUALLY HAVE VIA EMAIL AND VIA THE ACCOUNT RECORDS THAT THEY HAVE. I have requested that the refund for the phone be sent to me directly not put on my account. After 20 calls and 20 emails, I know nothing else to do. Bad business...

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these Items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$1200.00} U S DEPT OF EDXXXX XXXX XXXX : {$1900.00} U S DEPT OF EDXXXX XXXX XXXX : {$1900.00} U S DEPT OF ED/XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXX XXXX, 2022 XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX XXXX : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$700.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$1900.00} US DEPARTMENT OF EDU XXXX Balance : {$1200.00} US DEPARTMENT OF EDU XXXX Balance : {$1200.00} XXXXS DEPARTMENT OF EDU XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} Original XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX Inquired on XXXX XXXX, 2022

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 2023-06-30
Company: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Im having a problem with cashapp. My XXXX XXXX XXXX daughter made a cashapp account using my social security number. I found out she has a borrow feature on her cashapp and she started borrowing money from cashapp. That makes the money she borrowed my debt. I told several people at cashapp, through phone calls, emails, and text support. They did not do anything about it. My daughters account is not even legal bc she lied about her birthday and she does not have my permission to use my ss number or to borrow money. Since no one did anything about this problem, I have since deleted my cashapp account. I will never use them again. My daughter still have her account and she still continues to borrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am paying for Equifax Complete premier a credit monitoring plan offered through Equifax. 

There has been an on going problem with their service since XX/XX/2019. I am unable to refresh my Equifax credit report and I am unable to unlock the security freeze. 

Therefore, I am unable to apply for any credit transaction that would use Equifax. 

I have made several calls to their Customer service phone number and have spent up to 30 minutes on the phone per call and no one is able to fix this. The issue was escalated to another department and nothing has been resolved. 

I am essentially paying XXXX per month for a service that doesn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/2019, I disputed information directly to all 3 credit bureaus XX/XX/2019 I requested debt validation letter from company directly and disputed claim via certified mail. 

Company has failed to provide such documentation

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 2023-04-27
Company: Experian Information Solutions Inc.
State: AZ
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:
A letter was sent to XXXX Account number ( XXXX ) for identity theft. 
After receiving my letter they responded with a letter I will upload. Where my alleged account was sold to XXXX XXXX this company is not showing on my consumer report. Therefore, since XXXX can not verify my account I demand this account be deleted immediately. Everything on my credit should be 100 % accurate. 
15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4

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 2021-04-27
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX my brother in XXXX XXXX XXXX XXXX sent me XXXX US dollars from his PayPal account XXXX to my PayPal account XXXX. I have been a member of PayPal since XXXX. PayPal refused to release my money and said they would freeze my account for 180 days. I tried to call them but there is no reachable phone number. I can only talk to them via Chat. I only get canned responses from the Chat. They said they would freeze my account for 180 days and that I could not nothing about it. My name is XXXX XXXX XXXX. I have attached my US passport of proof my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Revco Management, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am making this CFPB complaint regarding 2 phone calls I received from Revco Solutions. The first phone call was received at XXXX am, however I received a 2nd phone call at XXXX am ; a direct violation of Regulation F guidelines. Clarifies that a debt collector is presumed to violate the FDCPAs prohibition on repeated or continuous telephone calls if the debt collector places a telephone call to a person more than 7 times in a 7 day period, or within 7 days after engaging in a telephone conversation with the person. It also clarifies that a debt collector is presumed to comply with that prohibition, if the debt collector places a telephone call not in excess of either of those telephone call frequencies. I spoke with XXXX to attempt to explain this violation, who told me I was incorrect. I advised I would be publishing a complaint with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-30
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX my XXXX XXXX  XXXX XXXX  account was placed on a freeze/hold and a sum of XXXX $ was taken out of my account by a court XXXX of the XXXX XXXX XXXX for this debt collection account from XXXX from XXXX XXXX  XXXX The company is LVNV funding llc. They placed a lawsuit in the court with the improper address, I received no notification of the lawsuit or debt due to them sending it to the wrong address. They have taken all my money out of my account without properly notifying me that I had a lawsuit to begin with. This is in fact illegal and violates the fair debt collections act not only bc the account is old ( XXXX ) but bc they did not properly notify me of a lawsuit and were able to place my bank account on hold and took money from my account leaving me with XXXX XXXX I attempted to contact them, and they stated that is the address they were given. No other attempts were made even by the court XXXX. Expedited emergency court hearing is scheduled XXXX XXXXXX/XX/XXXX for the objection to the bank levy I was never properly notified about. Dates and amounts are in attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citigroup 's policy forcing vendors to refuse firearm sales to under 21 year-olds, regardless of the law. I don't actually have a credit card account with them, but there is no option for filing a complaint regarding their discriminatory business policies. 

By instituting policies which require their banking customers to discriminate against prospective clients based on age, in an apparent effort to affect their own brand of restrictions on firearms ownership, CitiBank appears to be attempting to infringe upon the second amendment rights of millions of law-abiding American citizens. ( the ones that bailed them out ) Since XXXX has not even remotely suggested that the financial activities they are targeting by this policy are illegal in any way, while they themselves enjoy government support and benefits, I believe they should limit the scope of their policies to deny only those transactions that might be illegal, or at the very least, those not GUARANTEED to the people by the US Constitution. 

While I do believe that businesses in the United States, for the most part, should be free to set policies as they see fit, this particular policy tends to force other businesses into breaking federal age discrimination statutes in order to continue doing business with them. Since it violates the rights of so many others, I hope that if XXXX does not voluntarily revise or abandon this policy, they might be legally compelled to do so.

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 2023-06-30
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a business account with chase bank that was recently opened the beginning of XXXX. I am a XXXX XXXX XXXX  and my first XXXX submitted their first payment to me on XX/XX/XXXX. Chase immediately froze my account, has closed the account has said that they are no longer doing business with me, and will not provide an explanation or a reason. They also did not notify me that this was happening. I noticed it when my payments from that account were being rejected and now I have return check fees. Chase is currently holding tens of thousands of my dollars that I can not access. They let me know I can still make deposits but no withdrawals. Feels like I was robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: Valentine and Kebartas, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Between the time of XXXX and XXXX ( XXXX XXXX XXXX ) on XXXX/XXXX/2016, I received a call from the phone number XXXX. I spoke to a lady there. She did not give a clear description on who she was calling regarding. She told me that my credit card was n't going through, etc. I was transferred to her supervisor. Her supervisor told me that he could not take half of the payment after I offered to pay half. He said I was " calling his bluff. '' He raised his voice and said " XXXX wants this NOW '' and " you can not pay half. '' period. You owe a debt. you pay it. I informed him the line was recorded. He said, " I know the line is recorded. I am not stupid. '' I told him I was going to report him verbally abusing me and harrassing me. He said he didnt care. He was very verbally abusive. He said many more things and was raising his voice at me and yelled at me saying I had to pay the whole amount. I called back in around XXXX XXXX, I spoke to another person who said that the supervisor was lying to me and she could take half of the payment. She gladly took half of the balance that I owed as a payment. The supervisor harassed me and bullied me. He also practiced deceptive collection practices, which is completely illegal. Please take care of this issue. I was on the phone in tears after my phone call with them. I did not get the name of the agency when they called, I 'm sorry, but that is their phone number. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: AL
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:
I applied for a auto on XX/XX/XXXX and was horrified to find out XXXX is reporting a XXXX credit score. I have no late pays, no delinquent accounts, no outstanding balances, etc. for about six years. In fact, I have exceptional payment histories for all of my accounts. I have paid in full several accounts. Why is my credit score so low with XXXX? About 6 months ago I had a XXXX credit score. Something illegal is going on with this company 's reporting. 

I complained to XXXX XXXX XXXX about this XXXX credit score and she suggested using another credit bureau. Same thing with Experian - XXXX credit score. My credit score should be going up and not down. No missed payments, no late payments, etc. I just paid off some credit card debt. XXXX XXXX XXXX approved me for an auto loan back in XXXX in which I paid in full in XXXX when I purchased an upgrade. XXXX refused to approve for the upgrade and I had no problem seeking finance with another company. Again, XX/XX/XXXX was declined due to high DTI. This is not true because I double-checked my credit report and no way am I XXXX DTI -- XXXX  DTI. I believe this is personal because int the past I had a run in with one of the finance reps. This is a dishonest company and is in violation of federal law -- retaliation.

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 2018-05-10
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Called GM Financial three times asking when they were going to send in an update to the credit bureaus reporting that my car loan was paid off. Every time I kept getting the excuse that it would show up next month as paid off. I paid off my car load XX/XX/2018 and have received the title. My third call to GM today, XX/XX/XXXX, the customer service rep admitted that the new system they instituted was causing compliance problems and they could not get it through electronically. My credit score is negatively impacted because of this delay as it still shows an outstanding car loan balance reported on ALL THREE credit bureaus!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Im hoping someone can help me with the violations against me. I have sent several letters to TransUnion and XXXX  and my most recent letter has been over 60 days without a response, XXXX  and TransUnion are in violation of FCRA 15 USC 1681a ( 2 ) ( b ).

I never gave any written instruction or consent to furnish this information. Pursuant to 15 USC 1681a ( 2 ). No consent is identity theft, this is a violation and this violation can be fined up to {$1000.00}.

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 2023-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
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:
These creditors Portfolio recovery assc XXXX and XXXX XXXX XXXX XXXX are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged accounts are listed as collections with a past due balance of {$1000.00} from portfolio recovery XXXX and {$520.00} from XXXX XXXX XXXX XXXX. This is a violation of the Fair Credit Reporting Act and is in violation of requisite XXXX XXXX compliant reporting standards. By the provisions of FCRA and the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, i have the right to a fair and accurate credit report, and you are required to remove any information that isnt true, accurate, compliant and verifiable. i demand these above mentioned derogatory items be investigated and permanently remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I XXXX XXXX a consumer protected under the federal law has been violated. 
XXXX, XXXX, and Experian have all deleted a XXXX XXXX bankruptcy from my consumer report and reinserted it back under a different reference number. That is a direct violation to the US Code 15 USC 1681i ( 5 ) B ( i ) and 15 USC 1681i ( 5 ) B ( ii ). That is a direct violation of the federal law, nobody every sent me any documentation of the reinsertion. I have the paper work from the Courts that says the dont furnish bankruptcies anyhow.

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