BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX XXXX XXXX XXXX took over from Synchrony bank for the XXXXXXXX XXXX accounts. I made 2 payments to Synchrony XX/XX/2022 {$110.00} and XX/XX/2022 {$230.00} using my XXXX  XXXX XXXX on-line bill pay process. Since the payments were made to Synchrony I tried to work with Synchrony but they stated I needed to work with XXXX  XXXX XXXX which I have been for over 9 months. I am being told from XXXX  XXXX XXXX that Synchrony will no longer work with them and I needed to work with my bank XXXX to try and retrieve the funds back. However XXXX is informing me that Synchrony will not return their calls which mean I am out XXXX and XXXX  XXXX XXXX is charging me late fees and interest on the account. I have everything including the trace numbers for the transaction but none of the banks will help or take ownership to help me. I also understand that I am not the only person Synchrony is doing this too in speaking to the rep from XXXX  XXXX XXXX. This sounds like a class action law suite when individuals paid their accounts on time and now Synchrony bank is turning their back on consumers. I have all the information on every call I have made to try and get this figured out which is more than 20 calls over the pass 9 months. I need advise on where I should go next, this is now affecting my credit and interest and late fees are adding up. I am available and would appreciate some help. My wife filled the first CFPB complaint XXXX at which Synchrony responded with a letter stating I need to provide authorization for my wife to speak on my account- the number and extension they provided XXXX ext XXXX we called an no one answers and we are unable to leave any messages to get a call back. Totally unacceptable because we are trying to get this resolved

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 2020-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
After communicating with this debt collector several times to leave me alone, they still will not stop. They tried again today, XX/XX/2020, at around XXXX XXXX. I have communicated through written and verbal communication that I do not want to be contacted, as they have already reported me to credit bureaus without validating any debt. I recorded myself again tonight telling them to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: ID Analytics, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2022 Re : XXXX XXXX Dear Consumer Financial Protection Bureau, I am appealing to your authority to have XXXX, XXXX and SageStream , LLC to release their addresses, telephone numbers, and fax numbers to me for the purpose of placing security freezes on all data collected by them, concerning me. 

When attempting to process this matter on my own accord by requesting security freezes, XXXX tells me that they are connected to XXXX, which is not altogether true. When contacting XXXX, they state that they are connected to XXXX, which is also not altogether true. 

In particular, I am referring to the inability to receive confirmation letters and/or numbers from both XXXX and XXXX on their respective letterheads stating or showing that my security freeze has been placed. 

XXXX and XXXX both hold personal information on consumers. My rights under FCRA allow me to place security freezes on my credit file upon request. 

XXXX is claiming that they are a part of XXXX for security freezes only, and they refuse to give a confirmation letter to confirm the security freeze took place, or was requested. 

Likewise XXXX claims that they are a part of XXXX for freezing accounts, baring no witness by refusing to provide verification that the XXXX part of the credit report is frozen. 

These are separate entities, holding separate credit reports and allow for separate security freezes. [ XXXX, XXXX, XXXX, XXXX ] Please assist me as soon as possible in obtaining the necessary contact information in order to place security freezes with XXXX and XXXX, therewith, compelling them to follow those well known directives from FCRA. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My name is XXXX XXXX I am a natural person and a consumer, on Monday, XX/XX/2021 I received a call from XXXX at Navy Federal contacting me alledging I owed a debt. I informed XXXX that was a direct violation of the FDCPA 15 USC 1692 ( a ) ( d ) ( e ). She continued to demand that I owed on a car and loan. I questioned her and politely asked her to define loan. I then asked XXXX what did Navy Federal loan me? Was it credit or USD? She did not answer and continued to raise her voice and demand I pay and make payment. I asked her to stop alledging I owed a debt and that her continuance into violating my consumer rights would result in navy federal being fined for violation of my consumer rights. She continue to verbally assault, and emotionally assasinate me as a consumer and caused grave emotion damage. After then placing me on a extended hold a supervisor by the name of XXXX XXXX chimed in to inform me he was the supervisor and that he was in charge of collections and could call at anytime and point about their accounts I asked XXXX if he was aware of the FDCPA and XXXX responded it did not matter, I then informed XXXX he had no right to alledge I owed a debt. I submitted a remittance payment with Navy Federal on XXXX XXXX, 2021 sent certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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've contacted LCI with a letter and I will place the letter below, and they never answered my questions on how they got permission or do have a wet signature on hand just a copy of bankruptcy info and stated it's public knowledge well. I do have a letter as well from courts stating that do give information to credit bureaus, so that's a lie. Here is the letter below and I'll attach there response. 


LCI LCI Consumer Center XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items below to be an error. 

XXXX XXXX Bankruptcy- Case Number, Closing Date, Court, Date Filed The credit bureaus stated they received information from LCI XXXX 

LCI also has my updated address ( bill ) on file as well. 



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, all accounts that you post on a credit report. 



I understand the under 15 U.S.C. See 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 



If this information is verified with proof that this is me using SSN, DOB and wet signature, please send back with a copy of who and how they verified it. If not, I demand that this is removed immediately. 


Please send an updated copy of my credit report to the address above. According to the act, there shall be no charge for this updated report. 



Thank you for your time and help in this matter. 



Sincerely, 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 2018-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Credit card or prepaid 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:
In XX/XX/XXXX I noticed charges on my credit card that didn't make sense to me. I researched online the abbreviations that I didn't understand. There were five companies listed : XXXX {$39.00} in XXXX, XXXX {$39.00} in XXXX, XXXX {$39.00} in XXXX, XXXX {$39.00} in XXXX, and XXXX {$54.00} in XXXX. In researching, I found these were online dating services. I live in XXXX and have no idea how these charges got on my Bank of America XXXX. 

I called the Customer Service number on my statement who transferred me to their Fraud Department. Unfortunately, I did not write down the name of who I spoke with but she immediately cancelled my credit card and issued me a new one with a different account number. This lady said all charges would be removed. She also said that in looking back previous statements the charges were also listed on other months ' statements. I was surprised to learn of this. Typically, my credit card charges range anywhere from {$2000.00} to {$5000.00} monthly, I do not look at every little charge and did not notice it until the XX/XX/XXXX - XX/XX/XXXX statement. I was informed that Bank of America 's Fraud Department would investigate how far back I had incorrectly been charged and then reimburse me for them. The lady assured me I would not be responsible for these fraudulent charges. 

On XX/XX/XXXX I received a letter in the mail stating that after additional review, it had been determined my fraud claim was not approved because payments were made and statements were mailed to my address since XX/XX/XXXX. Again, I was not aware of these fraudulent charges until XX/XX/XXXX. 

I have tried talking to Bank of America and they are standing firm in their decision. I did not make these charges and I do not agree with paying for them. I am paying the amount of my credit card that I know are my charges. I am not paying for the {$1500.00} in accumulated fraudulent charges. I have had this credit card for 30 years and have never had an issue before. After paying the amount I owe, I am cancelling the credit card - NOT paying the {$1500.00} or the {$41.00} in finance charges.

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 2022-05-28
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have XXXX days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
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: Was not notified of investigation status or results

Complaint:
I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by TransUnion. XXXX XXXX XXXX. This account is time-barred and needs to be removed from my credit file. On XX/XX/XXXX and XX/XX/XXXX, I  complained to the Consumer Financial Protection Bureau about the intentional and reckless actions of TransUnion with regards to this account. I provided them proof of the inaccurate credit reporting. In their response to this complaint, TransUnion stated that they would reinvestigate and respond to me within 30 days. They did not reinvestigate or respond back to me within the 30 day time frame according to the FCRA. Attached you will find copies of their response to the CFPB complaint. In addition, TransUnion did not provide the name of the person who responded to the CFPB complaint. There is no accountability. This is unacceptable. On XX/XX/XXXX, I once again wrote TransUnion directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX XXXX listing. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that TransUnion received the dispute. A copy of this complaint as well as past CFPB complaints on TransUnion is going to the FTC, XX/XX/XXXX Attorney General, XX/XX/XXXX Attorney General, XX/XX/XXXX and my legal counsel.

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 2023-06-20
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: SC
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:
Per tracking, tts been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Accounts receivable reporting higher balance than the credit limit shown. Also, how are they going to report a medical account, they have no medical release to collect on this account and needs removed upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Paxful Holdings, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A peer to peer crypto exchange platform called PAXFUL or PAXFUL.COM put my account on hold without providing any reason. They also restricted my account and all my money for 3 months which is totally unacceptable. This Paxful company is a scammer company I didn't know about it I am sorry but sooner or later they ban you or hold your money sometimes for years. I am sure there was a lot of complaints against this company and I am one of the victim who lost his money on this PAXFUL.COM Scam and also rest of my money was hold in their hands and they do whatever they want with it. How can this Paxful Scammer be so comfortable to do all this bad things and still getting away with it. PAXFUL Should be banned, PAXFUL IS A FRAUD SUPPORTER AND SCAM PROTECTER. PAXFUL will steal people 's hardly earned money with providing safe looking platform but everything is a lie PAXFUL.COM is a SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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 account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section604 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 explanation
Consumer complaint received 2022-07-13
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 account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section604 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 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2023-06-21
Company: American First Finance, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with explanation