BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX around XXXX XXXX, I visited GAP at XXXX XXXX   XXXX in XXXX, Minnesota. I went to purchase 3 pairs of jeans. The sales associate asked if I had any points or coupons to use. I said no. The sales associate then said I would be paying full price for the clothing. I said I knew and that was fine. The sales associate then said something along the lines of " hold on let 's get some sort of discount. I can bring the total down by about XXXX dollars. '' I replied that it sounded great. The associate asked if I had a card with GAP. The sales associate did not specify credit card, so I assumed it meant a rewards card. I said maybe. He asked me to follow the prompts on the card reader to check if I was in their system. The prompt asked for my full 8 digit social security number. This was a red flag to me and I said their system wouldn't have my ssn. I felt uncomfortable and entered my SSN anyway. I wasn't in the system. The associate said no problem, they'll get me added. The associate asked for an ID, and then asked me to follow the prompts on the card reader. The bottom of the screen said " CREDIT CARD APPLICATION. '' I then responded that I did NOT want to apply for a credit card. The associate responded that I would have to pay full price, and I said it didn't matter to me but I would not be opening a credit card. I then completed the purchase. I was really uncomfortable when I left because I was never told I was opening a credit card. The sales associate just automatically started the process with me. This is very misleading and unclear. I decided to return to the store about fifteen minutes later and requested to speak with a manager. I spoke with an individual who I believe to be a manager and explained what had happened. That individual responded that he has never received this complaint before but can talk to the sales associate. That individual then explained to me that credit card sales are a part of the experience of shopping at GAP. I responded that I had no problem with credit card sales, but it's irresponsible to tell me I'm being entered into the system to get a discount, when I'm actually applying for a credit card. The manager repeated that he would speak with the associate and I left. I don't feel like my complaint is being taken seriously, and I think this is very manipulative behavior to try and trick customers into opening credit cards.

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 2019-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made several attempts to dispute 2 accounts and the company has not legally validated this debt. In response to my letters requesting verification they have responded with no details other than an alleged bill from the original creditor. The bill they provided me looks altered and fabricated. 

This company has reported that they did not acquire my alleged accounts until 2016. This complaint is for two separate accounts that were recently disputed together. This company has failed to validate this debt and therefor I would like both accounts to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 I requested a emergency transfer of funds by XXXX XXXX the only method I could retrieve my funds from my account. Bank of American have not taken any measures to unsure prompt delivery to access my available funds. Fraud department now stated their has been a data breach. Prior to admitting quilt, Bank of American took over three weeks before releasing my funds back into my account. On XX/XX/2021 I was told by prior Bank of American rep. I could request another emergency transfer of funds without any fee. I spoke with Supervisor XXXX in the east coast about XXXX XXXX. XXXX stated I could only have one fee waived to receive my emergency transfer of funds dispute Bank of American data breach and dispute the fact that Bank of American also held my account XXXX  for 30 days due to the same data breach. Instead I have been waiting for another prepaid card for the third time, to be delivery within 7-10 days. In the meantime bills, food and housing is at a stand still.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I contacted transunion after receiving my credit report about inaccurate items on my report. 
Transunion is showing different variations of name ion their report. My legal name is XXXX XXXX XXXX. I sent a copy of birth certificate with proof of address and a copy of my drivers license which all state my legal name. 
Transunion shows XXXX, XXXX, XXXX as a name I am known as which is inaccurate reporting. 
Transunion also shows inaccurate information concerning my address. They state my address as XXXX XXXX XXXX XXXX  which is inaccurate reporting and XXXX XXXX XXXX XXXX which is inaccurate as well. My address is XXXX XXXX XXXX. XXXX XXXX, Mo. 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 2020-07-29
Company: Riverwalk Financial Corporation
State: MD
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:
I did not open an account with XXXX. Furthermore, this loan was initiated in XXXX - XXXX and my credit report states that it was started in XXXX. This vehicle was resold and the amount that is stated as owed is also incorrect. 

DEVILLE ASSET MANAGEMENT Last reported XX/XX/XXXX {$13000.00} Open balance 14 XXXX Original creditor XXXX Opened XX/XX/XXXX ( 3 yrs, 4 mos ) Account status Open

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: WELLS FARGO & COMPANY
State: PA
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:
Wells Fargo Branch closed a joint account and never notified myself the primary account holder. The account closed was used to make a recurring payment on a line of credit for years causing the payment to reach a 30 day late which should be removed as there were never any prior late payments on account. Tried to resolve this at branch level and multiple XXXX number calls and received no replys from branch or internal consumer department for these matters

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 2019-04-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft and I recently had my purse stolen with all of my personal information. Jefferson Capitol System placed a debt collection against my credit report. I have no idea who they are and NEVER received any correspondence from them via mail. Because of my identity being stolen in the past and now possibly again with all of my personal information stolen ( XXXX police report made ) I monitor my credit very closely. I called XXXX they provided on website. When I enter my social security # ( hesitantly and it's confirmed Jefferson Capitol System ) they state they do not have a file on their system matching my social security number. Of course they won't because this is being reported fraudulently.This is not my debt. I want this to be investigated. I do not have any debt. All my creditors have been paid off. I disputed this with XXXX  and later got a response of " meets FCRA requirements ''. What does that mean? This is not my debt. I want the creditor to provide my wet signature in a contract between me and this Collection Agency.  So again, I'm simply asking for you to FOLLOW Fair Debt Collection practices. Show me the written verification of debt and show me my wet signature. 

I'm not sure if it's JEFFERSON CAPITAL SYSTEMS , LLC or just Jefferson Capitol System~ that's how it's being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: LEXISNEXIS
State: AL
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 representative at LexisNexis told me the bankruptcy on my credit report had been removed. I called back again and another representative told me the bankruptcy has not been removed nor was it ever disputed. I have asked for additional information regarding their dispute process and have received nothing. LexisNexis is required by law to verify the accuracy in my record with the courts. The representative at the courts has confirmed I do not have a bankruptcy. The representative at the court also confirmed no one from LexisNexis has contacted them for verification. LexisNexis is not properly researching negative items on my report. If the negative items are not removed from my report, I plan to pursue this matter to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Midwest Recovery Systems
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Noticed a large decrease in my credit score and noticed a new collection from Midwest Recovery Systems trying to collect a debt for XXXX XXXX XXXX. Ive never had a payday loan & know this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
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: Information belongs to someone else

Complaint:
Company : XXXX XXXX XXXX A dispute of fraudulent charges in XXXX led to charges being removed from my account and a new card being issued. I was advised that a document ( affidavit ) would be sent to me but it was never received. In XXXX, a bill of over {$500.00} was presented to me when i called and asked why my card was n't working. I asked to see the bill. I checked online and there were no bills available. I contacted customer service and spoke to over 15 representatives including 5 managers. There was no bill mailed to me on over 2 months. They kept trying to force me to pay over {$200.00} to get my bill back in good standing but i needed to see the actual bill ... I finally received a bill in XXXX and after having countless conversations the charges were reversed, ALL late fees were returned and the correct balance was paid. I thought this meant that the late payment would also be removed but i check my credit this weekend and its still there.. I could not pay a bill if i could n't see a bill. If i had just paid the {$200.00} they would have been cheating me out of alot of money. When i finally received a bill there were $ 170+ worth of charges that should n't have been there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Revolut Technologies Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive filed an FDIC and States Attorney generals office complaint against Revolut and your fraudulent bank practices violating depositing under regulation E laws and guidelines. You limited my account after clearly receiving and accepting my IRS tax refund from the IRS, only to suspend my account for review within 39 minutes. Intent to sue letter will be faxed to NY office by the morning. I even uploaded my tax refund transcript which is XXXX ludacris to do and also illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions Inc.
State: MA
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:
RE : Remove the following account from my report : XXXX  ( Account : XXXX ) This letter is in response to Experian 's recent claim that XXXX, verified the account they are reporting is accurate with a debt in the amount of {$4200.00} or {$4400.00} OR {$4200.00}.

Im requesting a REMOVAL of this inaccurate information, because Experian did not correct or remove per FCRA. 

I dont believe Experian did an independent investigation and are only forwarding me the results the furnisher provided to them without going beyond the original source of info after a request for reinvestigation. 

Because of this, Im requesting the removal of this inaccurate information immediately and Ive logged this as negligence. 

Experian failed to investigate and correct inaccurate information on my credit report and this has caused my family great harm : My children had XXXX and we were unable to get the proper shelter we needed due to this degradation of my credit score. 

I have also not been able to finance a car due to this incorrect information that is deteriorating my credit core and quality of life. 

I have a XXXXyear-old who RECENTLY HAD XXXX  that I can not drive to necessary appointments or school due to this impact to my credit. 

Me and family are suffering injury due to these errors in reporting.

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 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Ive been victim of theft. I contacted credit bureau ( s ) and filed report. Some accounts are still reporting and shouldnt be as ive been victim of theft and have no ownership to accounts. Im not aware of these accounts and shouldbe removed. These accounts were never investigated correctly and Per Fair Credit Reporting Act, FTC Section 605.

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 2017-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
1st Issue : First and foremost this is a fraudulent transaction ; BoA should treat this as such. The vehicle purchased via XXXX, paid through XXXX, using my BoA XXXX card is a " not as described case ''. 

2nd Issue : BoA reviewed their records and indicated they provided service per procedure ; however, BoA overlooked conversations with BoA representatives who provided instructions to get repair cost estimates and then subsequently make the required repairs, then dispute additional incurred costs via a chargeback for the additional amount to complete the required repairs.

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 2019-04-27
Company: EQUIFAX, INC.
State: OH
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:
Equifax is the only bureau reporting these erroneous accounts. Per the Fair Credit Reporting Act, these accounts should be verified, which they were never verified as mine. I have no knowledge of these accounts. I contacted XXXX regarding Medical accounts as well and received no information. My next step is to pursue litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Experian Information Solutions Inc.
State: AL
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 representative at XXXX told me the bankruptcy on my credit report had been removed. I called back again and another representative told me the bankruptcy has not been removed nor was it ever disputed. I have asked for additional information regarding their dispute process and have received nothing. XXXX is required by law to verify the accuracy in my record with the courts. The representative at the courts has confirmed I do not have a bankruptcy. The representative at the court also confirmed no one from XXXX has contacted them for verification. XXXX is not properly researching negative items on my report. If the negative items are not removed from my report, I plan to pursue this matter to the fullest extent of the law.

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 2021-02-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Wells Fargo Bank reversed a provisional credit {$500.00} and refused to give me money back due to a XXXX fraud on XX/XX/XXXX. 

On XX/XX/XXXX at XXXX, I was scammed by a scammer XXXX XXXX XXXX XXXX XXXX, phone number retrieved from a XXXX XXXX ) who pretended to be an XXXX customer service representative. Instead of helping me accessing my XXXX  XXXX  due to forgotten password, he used XXXX via my Wells Fargo Bank app to transfer {$500.00} to XXXX XXXX ( whom XXXX claimed to be his manager ) on my XXXX. During this phone call, I did not realize I was being robbed of my money because XXXX XXXX was walking me thru the steps on my XXXX while rest assuring us that he was just testing XXXX. 

It wasnt until he asked me to go to the nearest ATM to pay {$900.00} to get an XXXX XXXX card that I realized I was being scammed. I immediately rushed to a Wells Fargo bank branch XXXX XXXX XXXX XXXX XXXX, VA XXXX ) at XXXX ( 45 minutes after the fraudulent XXXX transaction XXXX and the Wells Fargo employee ( XXXX XXXX XXXX XXXX ID : XXXX ) called fraud department and agreed to give us {$500.00} credit within 10 business days. 

Unfortunately, I got a letter from Wells Fargo on XX/XX/XXXX. The letter stated We have now completed our research of your claim and found this transaction was made by you or someone who had your permission to perform transections on your account. As a result, the provisional credit provided to you earlier will be reversed within 10 business days from the date of this letter. If you have any questions or would like to take advantage of your right to request copies of documents we relied upon in making our decision, please call us. 

I never give the scammer my permission to authorize the XXXX transaction via my Wells Fargo Bank app. I was unfamiliar with how XXXX works and I had no idea how he hacked my Wells Fargo bank account to initiate the unauthorized XXXX transaction. 

I called Wells Fargo at XXXX at XXXX on XX/XX/XXXX and spoke with XXXX XXXX ask for copies of documents that they relied upon in making their decision. However, it has been 25 days and I have not received any response from Wells Fargo.

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 2018-03-17
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
{$2100.00} XXXX XXXX is saying I owe this amount, I dont know where this came from. XXXX is reporting this I have a complaint in with this bank already. This is being reported on XXXX  and XXXX as of XX/XX/18. I need documentation proving that this is my account with my signature according to Section 69 of the FCRA you have to have proper verification. I want this removed from my credit report.

Company response to consumer: Closed with explanation