BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-23
Company: BARCLAYS BANK DELAWARE
State: MA
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:
First let me say I am VERY worried that this is going to happen to other customers. Uber has recently cancelled this credit card all together for new applicants and has changed a huge array of benefits and % 's related to it. They are clearly changing their customer service to be able to better avoid accountability for fraud and this is extremely concerning. 

1. I got an email saying that about {$300.00} in credits ( formerly cash back ) from my rewards points earned was applied to my Uber Account. 
2. At the same time, there were 2 unknown charges on Uber that were not me 3. I cancelled the card as I realized that someone was committing fraud. 
4. I asked Barclays for help. They put in a support ticket. 
5. I followed up to ask for an update - they told me that I should contact Uber instead of them. I asked why they put in a support ticket if they can't solve it and they apologized and said they can't help me. 
6. The number they gave me to call Uber had a voice message that said that their phone number is shut down and to email XXXX 7. I e-mailed XXXX and got a response that the email is shut down 8. I looked all across the web for more and more numbers for Uber. All had the same message or were not active. 
9. I finally was able to get in contact with Uber, where we went back and forth on e-mail as they ignored my messages and responded with non-sense that was not helpful. 
10. Finally, they got back to me and told me that the uber credits were redeemed n another Uber account that shares my payment method, gave me the first name of the account ( a random person I do not know ), and recommended that I work directly with this random person to resolve my issue ... ... .. I laughed out loud at the absurdity. They want me to deal with this fraud on my own? 
11. I told them that this is unacceptable and that I needed a better answer or I would report them to the CFPB. 
12. They cancelled the request so my email did not get through. I do not even remember how I finally got in contact with them since it was so hard, so I am now reporting this it to CFPB I have since tried to go back to Barclays for a 5th? 6th? time.. no results. Thanks for your help.

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 2018-12-11
Company: Receivables Performance Management, LLC
State: WA
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:
On XX/XX/2018 I made a payment of {$150.00} to creditor XXXX XXXX, In. XXXX XXXX XXXX # XXXX XXXX TX XXXX www.XXXX. For an XXXX XXXX XXXX account. I paid the account in full and have a letter stating this account is settled. 

Six months later I got a letter from Receivables Performance Management stating I owe for the same XXXX XXXX XXXX account. I called to inquire and they advised me it would be taken removed, and it was XXXX XXXX XXXX that sold them the account again. As time passed I noticed Receivables Performance Management put a negative mark on my credit report for an account that was already resolved. I was confused because I provided proof of payment to Receivables Performance Management, and they advised me it would be removed. I called them again, and they advised me it would be removed from my reports in 30 days. I was given by XX/XX/2018. I checked my report after 40 days and it was still on my report. I called them back and they advised me it would be taken off in 60 days. Every time I call it's a different time frame. It still hasn't been taken off my report. When I filed with each credit bureau, each result came back with Receivable Performance confirming it was accurate information on my report. I asked for a copy of the phone call recordings, they advised me or security reasons they couldn't give me a copy. 

Receivables Performance management XXXX XXXX XXXX XXXX XXXX, WA 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 2018-12-11
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Walmart has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-24
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX has an account opened on my credit report and I dont know why it is there. The account was opened on XX/XX/2016 and the amount is {$560.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: LD Holdings Group, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint against LOANDEPOT.com I have been sending checks to pay my mortgage since XX/XX/2018 ( for the months of XXXX, XXXX and XXXX ) and they never get cashed. I also signed up twice for bank auto-payment and I get kicked a letter letting me know I got out of the auto-payment system a week later because they argue the name of my bank account is not the same as the name on my mortgage, which is not true. 
Now I am getting late fees and the only way to pay is by calling on the phone, getting an assistant and giving my card information. I am not able to do this every month because I travel a bit for work. 
I have called the company Loan Depot.com on several occasions to solve this, the assistants say that I am simply not sending the checks ( and implying I am lying about payments ) and that they can not do anything for me. 
Also, now I am not sure who to pay the mortgage and the lapsed payments because I got a letter saying my loan has been sold. 
LoanDepot 's inability to cash my checks and keep me on the bank autopayment system is going to affect my excellent credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have put in a number of disputes ( most of which wont generate in their system ) about a collections account for XXXX  XXXX. I have reached out to XXXX XXXX on a number of occasions in which they have requested Equifax to remove the collections from my report. I paid this account off in XX/XX/2020 and was recently denied a home loan because of it. Even after disputing the account with Equifax and the dispute stating the account will be removed, it is still there and negatively affecting me in more ways than one. I believe this is the second complaint I have submitted to CFPB in regards to this matter. I am requesting this account be promptly removed from my credit report. Again, both I and the creditor have asked for this account to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: EQUIFAX, INC.
State: FL
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:
Send 3 letters to XXXX, Equifax, and XXXX XXXX On my Credit report there was 4 name on it that wasn't mine and a social security number that was not mine. Wrong phone Numbers. XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: SYNCHRONY FINANCIAL
State: MD
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:
On XX/XX/2018 I had purchase from XXXX and I used XXXX credit card ( SYNCHRONY BANK ) for {$190.00} which I never received the item, I contacted XXXX but they never give me credit for it so I disputed the {$190.00} with XXXX credit card ( SYNCHRONY BANK ), instead of removing the charges XXXX credit card ( SYNCHRONY BANK ) charged me another {$190.00} so was total charges of {$380.00} then XXXX credit card ( SYNCHRONY BANK ) removed one of the double charges, and XX/XX/2018 I received letter from XXXX credit card ( SYNCHRONY BANK ) stating that I have to pay {$190.00}, on XX/XX/2018, I called twice at XXXX XXXX and XXXX XXXX the number they provided in the letter XXXX for XXXX credit card ( SYNCHRONY BANK ) and left a message but never called me back, so I had to call the number in the credit card and I talked to XXXX at XXXX XXXX but she could not help 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 monetary relief
Consumer complaint received 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 contact the following Credit bureaus ( XXXX, XXXX  and TransUnion ) about inaccurate information on my credit file on XX/XX/2018, and to validate it. They received it on XX/XX/2018 ( see attach ) As to date ( XX/XX/2018 ) nothing was done by any of the above bureaus to remove this item, nor did I receive any correspondence back from the above bureaus within the 30 days of my dispute that they received on XX/XX/2018.

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 2020-08-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian dispute did not remove XXXX XXXX from my credit report. This company was paid, given their property back and included in a bankruptcy and they are still showing I missed payments. It should show never missed a payment

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 2018-04-24
Company: CITIBANK, N.A.
State: CA
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:
CBNA- They did a hard pull on XX/XX/2018. XXXX XXXX XXXX says 1. CBNA-CITICARDS CBNA Ibs Cdv Disputes XXXX XXXX, SD Affected by natural or declared disaster I have not idea what this is? as we did not open a new account with CITI or applied to a new card.

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 2020-08-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im a new XXXX XXXX. XXXX XXXX with me and my bestfriend and little sister! Ive applied for the SBA LOAN and yes I had it deposited into my personal account reason being ( all money used for XXXX   comes out of my account ) and all transactions are used via. XXXX XXXX XXXX! navy federal are telling me that my XXXX is not in the secretary of Georgia which is correct. my thing is I have my EIN Ive send all proof of business website, IG to my SBA LOAN OFFICER so for navy federal to freeze my account with so much damage and backup being done to my XXXX is crazy to me!!! and theyre so RUDE AND NASTY when you ask questions then they caught several attitudes with me because I stated that Ill proved the information that I provided SBA!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I financed a vehicle with XXXX XXXX 's with Auto Now being the lender. My down payment was paid via debit card and the money was debited from my bank account immediately. 

A few days later my card issuer, XXXX XXXX, contacted me in regards a to a suspicious transaction due to it being larger than most of my purchases. from a company under a different name than XXXX XXXX 's or Auto Now. Due to the company not being under the name I've heard of I stated that the charge was unauthorized. 

On XX/XX/XXXX I was contacted by XXXX from XXXX XXXX 's in regards to a chargeback that AutoNow received on my down payment due to the dispute XXXX XXXX opened for the charge. It was then made clear to me that the disputed charge was valid. 

After that point, I contacted my XXXX XXXX to let them I was withdrawing my claim and the charge was valid and the claim should be closed in favor of the merchant, which XXXX XXXX received and acknowledged. 

Everyday since XX/XX/XXXX XXXX from XXXX XXXX 's has called me for an update on what XXXX XXXX said and I have kept him up to date with every email. XXXX XXXX has stated that the claim is still being reviewed and will will be closed by XX/XX/XXXX. 

Due to my loan being with Auto Now I decided to give them a call on XX/XX/XXXX to discuss the matter. When mentioned the situation to the representative at Auto Now they stated there is no problem with my account and all payments are in good standing. Following this conversation I payed Auto Now a total of {$590.00} for the monthly car note, license plates, registration, and collateral insurance. 



Today XX/XX/XXXX I received a call from XXXX XXXX 's stating Auto Now would be repossessing my vehicle if I did not bring them {$2000.00} in cash by XXXX today. 

I have made all of my payments on time and they have taken my money with no problem. Now they're threatening to repossess my vehicle regardless of XXXX XXXX holding the funds and regardless of me making my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
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:
XXXX continues to report one of my two accounts with them as Pay Status : Account included in Bankruptcy and Remarks : Chapter XXXX Bankruptcy. Both were included in a Bankruptcy almost 10 years ago. My understanding is that the information should have been removed after 7 years of being filed.

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 2020-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed disputes in regards to the incorrect items on my credit report. It has been well over thirty days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
State: VA
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 have tried over a year to access my Equifax report online through their website and annual free credit. I received the same error message from their site stating they can not verify my identity. I have submitted copies of my ID, pay stub and utility bills with my current address, name, and other important information. I made several calls to the company to gain access to my credit report online and been informed they can not give me online access but can send me a paper copy of my report. If I need to dispute anything on my report, I need to submit it back to them in paper format. I have disputed several items on my previous report but never received anything on a status of them. I have even heard them never received my request in the mail. I do not understand why I have not or am not able to gain online access to my credit report. No one can explain to me the reason why either. I need online access to my credit report so I can make documentations that the report was submitted with a potential deadline on my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to reach out to the company degrading this alledged debt. I specifically request red proof this debt is infacr mine. I was sent the documents attached. I am now demanding this debt bone removed from all major credit bureaus immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Financial Credit Service, Inc.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX XXXX Caller from ARA Inc. XXXX XXXX XXXX did not give statement that he was a debt collector or mention the call was being recorded. I did not acknowledge the debt yet he gave the debtor 's personal information including name, birthdate, and full social security number. He said the debt was from XX/XX/1997 in XXXX XXXX. I did not have any car repossessed in XXXX XXXX. He threatened me with legal action and that it would appear on my credit report. I informed him I would not give any information since I did not know who he was so he said he was going to " play this recording, because you are being recorded, to the court. '' The name he gave was XXXX XXXX. I informed him he was not to call this number again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is being filed against XXXX XXXX Bank that issues the XXXX  XXXX   Retail XXXX XXXX of 2017 I made a purchase on my account for {$120.00}, there was a payment due on the account which was missed so a late fee of {$25.00} was applied, so I paid my balance that was due on the account and the bank has continued to charge me late fees when I have no outstanding balance and no transactions.I have tried to speak with XXXX of their supervisors about this matter but they are unwilling to remove these and continue to charge late fees upon late fees I can only assume to generate more money for the bank with no transactions that have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: AES/PHEAA
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
A {$190000.00} payment was applied wrong creating thousands of dollars late fees penalties and interest. A letter was included with the payment directed the loans to be paid and a good contact name and phone number if there were questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was called at my job when I verbally told them not to call. I have no idea how they got my number at work I explained to them numerous times that I work late I sometimes get off after XXXX XXXX  and I dont have access to a phone at all times. When called about them calling my place of employment they act they knew not to call already.

Company response to consumer: Closed with explanation