BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I attempted to purchase XXXX tickets on XXXX. The seller accepted my XXXX payment, then failed to send me the etickets, and blocked my phone number. 
He said his name was XXXX, his email is XXXX and his phone number is 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 2022-08-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Synchrony Bank stole my rewards-points..... 

Synchrony Bank offered ( in writing ) an XXXX credit card with 5 % reward for purchases until XXXX XXXX and I accepted their offer. When I had accumulated XXXX points, I tried to redeem them, towards my statement bill. They did not allow me to redeem my points, saying I " had to wait until the next billing period ''. 

Several days later, via the phone, I paid my entire balance, and again tried to redeem my points, and they again said I'd have to wait. 

The next day, Synchrony closed my account,,, and canceled my points, down to zero. 
I had accumulated {$930.00} worth of points, and Synchrony stole those points. 

I had never been late on a payment,,, ever. 
Synchrony simply didn't want to pay the amount they agreed to, by contract. 

Synchrony reneged on the contract between us.

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 2018-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Bank of America 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 2018-05-03
Company: CITIBANK, N.A.
State: CA
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:
I disputed a charge with citi bank for the amount XXXX in XX/XX/2018. The merchant was supposed to fix my card but they NEVER fixed it and did not provided any services to me. So i disputed the charged for the services not provided with Citibank. Till XX/XX/2018 I have received zero communications from CITI bank. On XX/XX/XXXX I received an incomplete irrelevant letter that Citi bank investigated the dispute and according to the merchant 's provided documentation they were closing the dispute in the merchants favor. The funny thing is that Citi bank is telling me to review the merchant 's documentation and if i still wish to dispute this charge, please specifically address the merchant 's response along with the complete details of my dispute but CITI never attached ANY SUPPORTING DOCUMENTATION FROM MERCHANT THAT THEY HAVE PROVIDED ANY SERVICE TO ME. The letter they sent to me is unprofessional and unreasonable. After receiving this letter i tried to call the dispute department several times but they were never available and responded my calls. I have sent 3 emails to Citi bank billing disputes department but nobody replied to me. It is ridiculous and bad service from Citi bank. 
I want CITI bank to finalize the dispute in my favor as the merchant according to Citi bank provided documentation provided zero proofs showing that they provided any services to me and citi bank did nothing to recover my funds. I want all my funds to recovered within 24 hours. This type of customer service in unacceptable from the bank.

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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-07-28
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I live in Florida and I'm being affected by COVID 19. My husband and I are XXXX XXXX XXXX and have not been able to work full time since XX/XX/XXXX 2020. In XXXX I asked for a deferred payment and was given only 1 month. They don't offer more than 1 month. I made payments in XXXX, XXXX, XXXX, and XXXX and a partial payment for XXXX. Today XX/XX/XXXX, I called and asked for a payment extension for 1 month and was told that even though I'm being affected by COVID19 they can not help me because of company policies even though they claim your account need to be 20 days past due for an extension to be offered. 

It seems West Lake Financial has made up regulations to block customers from receiving help due to financial hardship. They claim you need to be 20 days past due to receive help but when you call them, they say you don't qualify because of another rule/policy. So there are company policies that override other policies in an effort not to offer assistance to customers. The aim is for customers to become so far past due that they could repossess their vehicles. 

I think this policy is wrong and they should be investigated for not treating customers fairly. 

Westlake Services , LLC ( dba Westlake Financial Services ) : ( 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 2020-05-29
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am receiving derogatory remarks on my credit score / credit report from an account in collections from a company I do not know and do not owe {$290.00} to. I have not received any calls about this amount due and was not served any paperwork from this company. It is weighing down my credit score and I would like to resolve this issue. The CBE group replied to my prior submission and said they will look into this further yet this is still negatively affecting me during these hard times, and reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.

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 2018-05-03
Company: BBVA FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
BBVA Compass Bank 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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-05-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: EQUIFAX, INC.
State: IL
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 HAVE SENT IN FRAUD INFORMATION TO EQUIFAX AND XXXX CREDIT COMPANY AND THEY HAVE REFUSED TO REMOVE THE FRAUDULENT INFORMATION OR INVESTIGATE AND SEND PROOF OF INVESTIGATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.

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 2019-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
Portfolio Recovery uses a random number generator to disguise where they are calling from. They also pretend to have the wrong number and they are just checking. They continually harrass me by phone and they continually do inquiries in my credit with all three credit reporting agencies. They never tell me why they are calling. I have never done business with them or owe them anything. They need to stop.
They also shared my phone number with Spammers and now my phone won't stop ringing.

XX/XX/XXXX

As you can see, Portfolio Recovery has stepped up their harrassment ny callingme two or three times a day beginning in XXXX. Sometimes FOUR times a day. They need to stop calling me for something I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not recieved any proof of verification on any debt owed on my credit report

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 2018-06-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Now I see that XXXX/XXXX has now incorrect information on my credit report showing I am in a forbearance program. In which, that was terminated per agreement with XXXX months ago. The balance on my account is incorrect. The payment per month does not show as well I am still waiting for all payments to be correctly reported and my FICO score to reflect I have a mortgage loan.

No company is by law to retaliate against any consumer when trying to address issues with their loan can not be met by contacting the loan holder, company.

XXXX/XXXX even sent me a letter on the CFPB complaint a few weeks ago stating they would fix the issues and reinstate my FICO score since I have yet to receive any points from my VA mortgage loan.

Now my credit report is worse with errors regarding my mortgage loan. Once again out of retaliation from XXXX/XXXX.

I will keep filing complaints until this serious issue is finally resolved ... going on over a year now.

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 2018-06-26
Company: Jon Barry and Associates, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. I've made several attempts to call the dept collectors and explained my situation to all of them, however these accounts still appear on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
Now I see that USAA/XXXX  has now incorrect information on my credit report showing I am in a forbearance program. In which, that was terminated per agreement with USAA months ago. The balance on my account is incorrect. The payment per month does not show as well I am still waiting for all payments to be correctly reported and my FICO score to reflect I have a mortgage loan. 

No company is by law to retaliate against any consumer when trying to address issues with their loan can not be met by contacting the loan holder, company. 

USAA/XXXX even sent me a letter on the CFPB complaint a few weeks ago stating they would fix the issues and reinstate my FICO score since I have yet to receive any points from my VA mortgage loan. 

Now my credit report is worse with errors regarding my mortgage loan. Once again out of retaliation from USAA/XXXX. 

I will keep filing complaints until this serious issue is finally resolved ... going on over a year now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT HAVE ANY CONNECTION WITH ANY TRANSACTIONS THAT I HAVE MADE. MY CREDIT FILE HAS BEEN DAMAGED AND I NEED HELP WITH GETTING IT BACK TO IT'S NORMAL STATE. I AM NOT RESPONSIBLE FOR NONE OF THE DEROGATORY ACCOUNTS AND INQUIRIES SO I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER SO THAT THE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF OF MY CREDIT IN A TIMELY MANNER.

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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 just notice that I have not received a response from XXXX Transunion, or XXXX for a letter I sent on XX/XX/2021. The letter was informing them of the inaccuracies on my consumer report and there are way too many. The consumer reports should be 100 % accurate and they must respond to me with a 30 day time frame and its been over 30 days.

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