BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXXXXXX XXXX, I receive a letter from United Collection Bureau XXXX, trying to collect a debt I do not owe. On XXXXXXXX XXXXXXXX XXXX  I, responded back to this company Requesting full Validation of this XXXX. On XXXX XXXX, XXXX I received a response, from this company in the response was a letter stating that they have forward me the documents I requested. After reviewing the documents they forwarded me, they failed to Validate this debt pursuant to FEDERAL LAW 12 CFR 1006.34 and the Fair credit reporting act and the Fair debt collection act. Furthermore, the only documents they forwarded me was a bill statement with an address that I, have no knowledge of, along with a print out with inaccurate information such as an inaccurate address, phone number, social security no, and phone number. I forward this company a copy of a XXXX XXXX police report, and a federal trade commission Identity thief report, and a identity thief victims complaint and affidavit signed and notizaried. I explained to this company that I was a victim of FRAUD ... ... AND THAT THEY MUST CEASE ALL COLLECTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My grandmother died last year. She left me inheritance money in a Synchrony Bank IRA account. Speaking with the bank, they offered to move the money into an IRA account in my name so the funds would be held in my name. Synchrony bank has made it incredibly hard to do so, and have yet to make that transfer. I submitted the proper information soon after my grandmother died, was sent the last amount of paperwork in XXXX. I sent the two forms back to the bank as requested, and heard nothing from them. I finally called and was told the paperwork was accepted in late XXXX, and the representative had no answer as to why nothing had happened. I was told to wait 7-10 business days to see the funds transfer to my account. That was in the beginning of XXXX. I called on Friday the XXXX and was told there was a snafu with my paperwork and a message would be sent to upper management to have it settled. I was not given the chance to talk to upper management and be given an explanation for their hindrance to this whole process. I am sick of dealing with this bank for almost a year now, trying to have the money that was legally left to me, accessible to 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 2021-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recorvery Associates unlawfully accessed my credit report, specifically XXXX on XX/XX/2021 without consent and without contractual authority or lawful purpose in direct violation of 15 USC 1681b. 

Portfolio Recovery Associates has continuously and repeatedly attempted contact via the phone at inconveneint times in direct violation of 15 USC 1692c ( a ) ( 1 ) ( 3 ) and has withheld their identity and purpose of communication in direct violation of 15 USC 1692d ( 5 ) ( 6 ) which now constitutes harrassing and abusive communication. 

Portfolio Recovery Associates has continuously reported information affecting my personal and financial reputation and health, specifically ( 3 ) separate, alleged credit card debt ( s ) without a contractual agreement with consumer in direct violation of Federal Rule 1002 and 15 USC 1681a ( 2 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/22 Indemnification Form received, according to PNC 's policy they need this form signed to issue a cashier 's check for any amount above {$25000.00} but the form they sent me is to reissue the check and hold the bank harmless. So if this form needed to be signed for the check to be originally issued and I did not sign it how is it that PNC cut a check for me to begin with? And if they could not have cut me a check, to begin with then how did they lose the original check? 

XX/XX/22 I spoke at length on the phone with a representative about this form he was supposed to relay this to the person assigned to my account he, however, did not, and now the person assigned to my account is requesting this form which I will not sign. I have requested an immediate mailing address for my attorney to mail a letter to and have not received an address yet. 

I will not sign this form because I will be pursuing legal action against PNC for their gross mishandling of my account over the past 4 months and due to the fact that I closed the account over a month ago and I am still owed {$33000.00} from PNC. 


I am filing this last complaint to make a record that PNC will be paying all of my legal fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
Company: CITIBANK, N.A.
State: GA
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 customer service

Complaint:
I have talked to several agents from online to on the phone-totaling 8 people. I called in about my maurity date orginally in XXXX of XXXX. The agent let me know it was XX/XX/XXXX. A day or two after my maurity date I called in to see if I was going to be updated or not. The agent had no clue and said a letter would be sent out. It didnt sit right with me so I talked to someone on the chat and I called a different agent on the phone. Both agents gave me completely different answers. One said that I would receive a letter 30 days after my maturity date and the other said she could not do anything for me because the letter was sent out. I walked through the process on finding it online with each of the 8 agents and the letter was not there. I confirmed my address with each agent over and over-still no letter. So I reached out on XX/XX/XXXX XXXX spoke with XXXX and then the manager XXXX. XXXX did not care. He told me he resent the letter and I need to wait unitl XXXX for the next review. I too am a customer representative and I know it is my responsibility to give our clients correct information at all times. When I do not know the answer I must find or ask for assistance. Our calls are 100 % recorded and I know my manager at anytime call pull my calls. I was given the wrong information over and over again. NO ONE seem to care about the contract that I signed or give me the proper information not even the leadership of the company. Something should be done about this.

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 2023-03-14
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: SYNCHRONY FINANCIAL
State: WY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had ( cancelled it due to so many payment problems ) an Amazon credit card through Synchrony Bank. My billing cycle runs for example : XX/XX/XXXX through XX/XX/XXXX. After the XXXX is past the XXXX cycle payment time period. Any payment I send AFTER THE XXXX of any given month should automatically be applied to the next month NOT locked onto the prior month of XXXX as a late payment. Synchrony is now demanding of me a SECOND MONTHLY PAYMENT FOR XXXX SINCE my payment WAS SENT EARLY ON THE LAST DAY OF XX/XX/XXXX for the month of XXXX! They are threatening me with late fees and other penalties if I do not send in another payment! I do not have any more money to send to them for XXXX. I am XXXX! I am living on XXXX! I tried to get the early payment moved and applied to XXXX since that is exactly what it was sent in for was XXXX payment NOT XXXX! This banking conduct is CONSUMER FRAUD and destroys consumers credit because the bank illegally penalizes the consumer for making early payments! Forcing more than one monthly payment is extortion! If Synchrony buries me under illegal penalities and fees I will NOT be able to pay them OFF! ALL BECAUSE I SENT MY PAYMENT IN EARLY!!!!!!!!!!!

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 2022-01-28
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: Account information incorrect

Complaint:
While checking my credit report, I notice an account from XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for almost a year with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX I requested my account be closed after paying on time and requesting the final balance to pay and close the account from their service employee. I paid that amount and the agent said they would close the account. 

XX/XX/XXXX I was contacted by another XXXX employee saying I had an overdue balance of {$500.00}. I said tge account was to be closed and I had paid it in full. They said it had n't been closed and this was the account fee. I said that was their mistake and they should close it and not charge me since I had requested it be closed. They said they would close it out. 

On XX/XX/XXXX I was contacted yet again by another XXXX employee saying I owed late fees and over {$700.00} at this point. I had to go over the whole thing again and specifically told them they had better not report any late payments since this was all their mistake. She assured me she had taken care of it and that the account balance would be XXXX and the account finally closed. On XX/XX/XXXXmy account was finally closed as requested in XXXX, however they are still showing a 30 day and a 60 day late payment on my record which is damaging to me and my credit score. It 's incorrect as I never used them a payment much less was I late in it. This incorrect record must be corrected.

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 2023-03-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
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: Information belongs to someone else

Complaint:
I was checking my credit report and these accounts still on. I dont understand why you put this negative information on my account. I already sent few rounds of dispute about them. I believe that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I opened a checking and saving account together with a credit card application on XX/XX/2018 at the XXXX XXXX XXXX Bank of America! Later I tried to apply for a XXXX XXXX brokerage account online, which didnt work as promised! So I went to the XXXX XXXX XXXX XXXX Bank of America on XX/XX/2018! Somebody in the building self-claimed a XXXX XXXX employee worked with me! When I asked why my online application didnt work as it should, he answered the application didnt go through the system! So I asked whether he will be able to open a brokerage account for me! He answered yes! When I asked him the relationship between Bank of America and XXXX XXXX, he told me they have the same CEO and why the Americans come inside the building to do business with them without question is the trust on the company! The XXXX XXXX brokerage account got open under his assurances! The next day when I tried to use the account and felt it didnt behave like a regular brokerage account as my others! Rather its more like a virtual account! So I called up the person to close the account! The answer is more resembling a person walked into a prison by mistake - hard to get out! He gave me a number to call to close the account and they told me the account is closed today! But when I login the account a while ago, its still there! Therefore I need your help and assistance to figure out the truth behind this XXXX XXXX brokerage Virtual account! How could a person inside a Bank of America office opened a virtual XXXX XXXX brokerage account for me? And whats the real motive behind this fraud? 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 2018-01-23
Company: Risecredit, LLC
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
onXX/XX/XXXX i spoke with someone at rise and agreed to remove all negative info from my credit report. a verbal agreement was made on a recorded line that once i showed receipt of payment the item would be removed. onXX/XX/XXXX i recieved an email saying that everything is correct. they are now refusing to stand by the agreement made on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
XX/XX/2023 - XXXX wrote TRANSUNION over a year ago requesting that old or inaccurate personal information be removed from my credit report ; however, TRANSUNION has refused to remove the old or inaccurate information. In addition, I have one negative account which is over 8 years old ; however, TRANSUNION has refused to removed the information from my report. I want them to only display my current name and information and DELETE all other information. Also TRANSUNION consistently reports my credit score about XXXX points lower than XXXX and XXXX. Please ask them to update the information on my credit report. Thank you very much. I appreciate your assistance with this matter.

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 2023-08-21
Company: DISCOVER BANK
State: LA
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, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under aXXXX open end consumer credit plan as late for any purpose. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: COMMERCE BANK
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Made a payment on XX/XX/2019 for a XXXX XXXX, and traded the XXXX XXXX in XX/XX/2019. I traded the XXXX XXXX in on a XXXX XXXX from XXXX XXXX on XX/XX/2019. An automatic withdrawal was made from my primary checking account at XXXX XXXX XXXX {$430.00} on XX/XX/2019 for the XXXX XXXX I previously traded in. I called commerce bank where the XXXX XXXX was financed through, and they directed me to call the dealership as no payoff payment had been received on this vehicle. I called the dealership, who said they cut the check to commerce bank, and stated they had sent payment the day XXXX took possession on the XXXX XXXX, and that I should contact the bank about the lost check. The bank told me that they received a check in XXXX that was back dated to XXXX, and that any over payment would be returned to me. Now I have documentation that the loan was payed in full from XXXX, but fails to show any refunded payment amount for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
It's Paypal. My son opened up an account. He is a minor but that did not prevent him from opening an account and transacting. 

He accumulated more than {$500.00} due to selling clothing. He tried to withdraw to his XXXX  custodial account. Paypal is refusing because upon asking for his passport and driver 's license they discovered he was not XXXX. 

So, they have effectively stolen my son 's money. Yes, stolen. They use these funds, even though they belong to my son, to offset banking fees via FTP credits from their bank. The longer they keep these funds, the more money they make and the less money my son makes. 

This is, in effect a trap. Paypal is happy to open as many accounts as possible and report account growth in their Edgar filings, but then, only after getting money, do they do a proper KYC. 

They are fully aware that minors open accounts all the time. They just don't want to pay upfront for the KYC procedures. Honestly, it is XXXX. These are kids and they advertise on kids ' sites via their acceptance mark. 

10 years in from the financial crisis and these guys are still acting with impunity. Their customer service is designed to be so painful that most people simply give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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:
Subject : Unauthorized Credit Inquiries Reported by TransUnion To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized credit inquiries that have been reported by TransUnion on my credit report. I have recently obtained a copy of my credit report on XX/XX/XXXX and was alarmed to find inquiries that I did not authorize. 

Details of the unauthorized credit inquiries are as follows : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized inquiries are severely impacting my credit score I have taken the following steps to address the issue : Contact with TransUnion : I have contacted TransUnion to dispute the unauthorized inquiries, but they said they acknowledge that these inquiries are unauthorized but can remove them until a CFPB report is filed. 

I am requesting the CFPB to investigate this matter and take appropriate action to rectify the unauthorized inquiries on my credit report. I also request that TransUnion be held accountable for any negligence in reporting accurate and up-to-date information. 

I appreciate your prompt attention to this matter and look forward.

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 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation