BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello I was astonished after have a Barclays arrival plus for 6 years the card was shut down with no call no warning. I paid the annual fee every year of {$89.00} and never missed a payment. They wouldn't tell me on the phone the reason I had to wait for the letter. Letter came said they found negative public record identified. I checked records that I could online and nothing came up. I called to find out where they got the information from after being on hold for 30 min. I was told they do not have access to that info. 
After all this I had over XXXX points which I could redeem for travel they refuse to give me those points or use them as well as no refund for the additional month left of my year from the annual fee I paid. 
Please help Thank you

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 2023-04-17
Company: Global Lending Services LLC
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company contacted my XXXX XXXX family from several years ago which they had no right doing. When they did this it forced me to up and move. Have voluntarily surrendered the vehicle due to having to use funds for the payment to move to protect my family. They keep harrassing me to make the payment have not picked up the vehicle and have listed it as a repossession instead of voluntary surrender. This is a breach of my privacy and my safety and something needs to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, upon checking my credit report, It came to my attention that a XXXX XXXX Credit card was opened fraudulently in my name. I sent debt validation letters to both XXXX and Portfolio Recovery Associates, and for a month it was either XXXX saying they sold the account to Portfolio Recovery and that I should deal with them directly. 

I sent Portfolio my FTC Identity Report along with other supporting documents, and I never heard anything back. XXXX XXXX, tried to sue for another account that was opened fraudulently, so out of fear of being sued and dragged back into a courtroom I took a settlement paying a total of {$510.00} I sent XXXX XXXX a packet of information with supporting documents, and recently XXXX XXXX   sent me a letter in the mail and ruled in my favor that the Account ending in XXXX was opened fraudulently. 

Every time, I asked Portfolio for debt validation they sent me the attached letters. It just states that XXXX sold the account to them and that was enough to establish its validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: MA
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 ad. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20
Company: Park Hill Holdings
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was denied from a rental property due to information reported on the consumer report from safe rent. I received the denial letter with a attachment of the information safe link provides and under XXXX history it states they provide felony convictions, which I dont have and shouldnt have been reported on my background check because its inaccurate. When I called safe rent on XX/XX/2023 I was told by the representative that I had been issued a adverse action due to a arrest ( not conviction ) that has a court ordered Expungement in effect.

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 2022-08-27
Company: WELLS FARGO & COMPANY
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:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX and WELLS FARGO CARD SERVICE has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end 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 non-monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX did a hard inquiry on my consumer credit and in XX/XX/XXXX. Hard inquiries is only for 2 years they added 3 years for removal. This is causing financial issues for me with other business financial companies. They have been inaccurately reporting this on my credit report for over 8 months. This hard inquiry needs to be removed from my consumer report. 

Inquiry date : XX/XX/XXXX - Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXXXXXX

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 2023-10-11
Company: Atlanticus Services Corporation
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2023 I received a credit card from a company and on the card was an activation sticker for Fortiva. So I called the number to activate the card and the automated system couldn't find my information. So I spoke with a man who couldn't find it either and asked for more information to " try to find it ''. I didn't think anything of it because it's not unheard of for companies to outsource certain things. It didn't seem odd that Fortiva may have been handling the activations for my card company. Well, the man said he couldn't find the account and told me I should reach out to the company that I got the card through. I asked him who I should speak with about the sticker being on my card and he hung up which seemed odd. So I trying looking the number up, and clearly it's a ghost number. So I called Fortiva directly from the number on their website to discuss the issue with their fraud/scam department ( concerned I just gave my private info to a scammer ). They looked for my account ( which I explained that I do not have ). The lady informed me that I can't do anything with fraud or scams unless I have an account. She offered to transfer me to applications. I explained that I am not interested in an account, but I am concerned that there is a scammer pretending to be a representative of Fortiva with activation stickers being placed on credit cards to gather personal information. She stood her ground that there was nothing they could do unless I had an active account with them. Thankfully the company I received the card from was quick about canceling the card and marking it for fraud, but it still raises the question for me as to how and why this activation sticker was put on my card with a ghost number for people pretending to work for Fortiva.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Block, Inc.
State: OH
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:
Someone has stolen my identity they are opening bank accounts and credit cards and compromising my email all the companies will do is Nothing I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
you are in direct violation of the fair credit reporting act has violated several of my right. 15 u.s.c 1681 section 602 A clearly states that I have the right to privacy. 15u.s.c 1681 section604A section2 it also states a consumer reporting agency can not furnish an account without my written instructions.15U.S.C 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plans late for any purpose. remove these late payment and update this account immediately as you rein direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery was included in Bankruptcy back in 2013 and has falsely reported on my credit as being a open collection. I've called them and contacted all credit companies to dispute for 3yrs. At one point it was deleted but has returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/XXXX A Townhouse in which I owned was sold through the Deed and Lieu process with XXXX XXXX XXXX. XXXX XXXX documented the sale of the property on 1099-A. The 1099-A is a federal tax document which was submitted to the IRS. 

However, XXXX XXXX continues to report to the 3 credit bureaus that I did not make payments on the aforementioned loan in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the document submitted to the IRS the property was sold on XX/XX/XXXX, thus legally I was no longer required to make payments on the loan because I no longer owned the property. 


XXXX XXXX continued reporting that I was 120 days late on this loan is incorrect and in violation of federal law. I have emails as well from XXXX XXXX articulating that the Townhouse was sold on XX/XX/XXXX and they were just waiting for the County to process the DEED. However, I as the consumer have nothing to do with the County once XXXX XXXX accepted the money from the investor, I was no longer required to make any payments on the aforementioned loan.

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 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I seen this company on my credit report XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them

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 2018-12-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I tried to transfer my american express reward points to my XXXX account. But Amex is not permitting me to transfer any XXXX XXXX to hotel, etc. They are giving the the following message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 

I called the customer service and they transferred to membership rewards department, the membership rewards department said they can not help me and transferred back to customer service department, and customer service department said since it's the rewards issue, they have to transfer me to membership rewards department. Then, I was transferred to membership rewards department again. After repeat my issue, the membership rewards representative explained to me due to my account is under review, only customer service department may help me. I felt so frustrated and said it's totally wasting my time because they are kicking the ball to each other and no one is trying to help. Then I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of Dispute : Violation of FCRA Rights - Account # XXXX To Whom It Concerns, I am writing to formally dispute the accuracy of information on my credit report regarding account # XXXX, the Charge-off account from XXXX XXXX. I believe that you have violated my rights under the Fair Credit Reporting Act ( FCRA ) by not conducting a proper investigation into this matter. 

I request the immediate removal of account # XXXX, along with all related late payments, from my credit report. These items do not accurately represent my credit history and are adversely affecting my financial standing. 

As a consumer, I want to remind you of the following rights that protect me under the FCRA : 1. The right to have inaccuracies on my credit report thoroughly investigated and corrected.

2. The right to receive a complimentary copy of my credit report once every 12 months from each credit bureau.

3. The right to dispute any erroneous information with the credit bureaus and have them perform a fair and timely investigation.

4. The right to know the sources of information that contribute to my credit report.

I expect you to handle this dispute promptly and in compliance with the law. Kindly provide written confirmation once the investigation is complete and the disputed items are removed. 

Thank you for your immediate attention to 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 explanation
Consumer complaint received 2018-05-13
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Cash Central customer service is claiming they did not receive supporting evidence of my ID theft and claim all their account information and credit reporting is accurate.

On

XX/XX/XXXX I spoke with a collector for the company and explained I was not the person involved that the debt was not mine. On XX/XX/XXXX I f
axed Cash Central a police report, and Identity theft report from Identity theft.gov. I received a confirmation of the fax.

The only action Cash central has taken has been in regards to the dispute I initiated online with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSWORLD SYSTEMS INC
State: MD
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:
In accordance with the Fair Credit Reporting Act. These creditors, Transworld Systems Inc., XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights under the 15 USC 1681 section 602 states 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 end 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 2023-04-20
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX told me I owe XXXX dollars on interest fees, they said I have to pay the Interest fees, ,they change different now you have to pay it also with the payment I took out XXXX,, now Ive XXXX XXXX with no refinance are pay off taken my vehicle ( ( ( my son and the military and I took it out in 2021 there changing my contract so how!!!! please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
My monthly interest goes up. Even though I pay in less days with a smaller balance. For instance. on XX/XX/XXXX I paid {$220.00}. With a balance due of {$4800.00}. Intrest applied was {$63.00}. On XX/XX/XXXX I paid {$300.00} with a balance due of {$3500.00}. Intrest applied was {$74.00}. They said no penalties for early payments. Do why am I paying more interest? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: VA
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:
Experian WILL NOT address my concerns. For the last 8 months ; I keep being declined by creditors everytime I apply for credit or a credit limit increase. Supposedly, Experian can't verify my identity. If Experian can't verify my identity then why do I have credit inquiries? How did Experian accurately matched those inquiries to me if Experian can't verify my identity? I have 3 credit cards, student loans, etc that report every month to Experian. I have tried numerous times to address this issue with Experian to no avail. I want the inquiries removed as I didnt receive a fair and accurate report from Experian. This unfair business practice makes Experian a lot of money while it hurts people like 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 2022-08-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requiring that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misreprensentation of fact by me relevant to the request to block the identified transctions. 


This is the second complaint I have filed to recify this issue with XXXX and Experian. XXXX has completed and updated the information as needed. I was told by a representative at XXXX that the FTC report was incorrect. Experian has not updated anything nor has they properly verified the information as they have the WRONG social security numbers listed on my credit report which is basis for INSTANT REMOVAL!! ( see attached report and coountless of incorrect addresses ) They have yet to confirm if any of these companies have a signed SSA-89 form which is how the information is verifed. I am tired of going back and forth with these CRA 's. 
They have a DUTY to ensure my report is CORRECT, FAIR and EQUITABLE to me as a CONSUMER. ACCTS : XXXX XXXX XXXX ( no acct number listed on EITHER report ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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