BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am have not received written notification of this debt. Nor am I aware of this debt owed to this company. I dispute the information that Portfolio Recovery Associates has supplied credit bureaus XXXX, XXXX and XXXX as inaccurate and or incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received multiple invitations, both through email and physical mail from Citi bank to open an accelerated savings account to earn XXXX $ bonuses after meeting certain requirements. 

Right after I opened the savings account in XXXX, I called the bank to ensure and got confirmed I am eligible for the promotion/bonuses advertised. 

When I didnt receive the bonus in XXXX after meeting the requirements, I called Citi bank XXXX After looking into it, they say I should receive the bonus on XX/XX/XXXX. 

However after I checked and called again in XXXX, Citi said I dont have a promotion attached to my account. However, I applied the account through the link sent to my email. I also called several times to ensure I am eligible for the promotion. I put large amounts of deposits idling in the account just to ensure I am meeting the requirements to receive bonuses. I have done all the right thing I can possibly do, and Citi bank refuse to honor the offer. 

The invitation code I received in my email is as listed. 
Invitation Code : 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 monetary relief
Consumer complaint received 2021-09-17
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My son was involved in a car accident on XX/XX/2021. This was a total loss of this vehicle that was financed through Credit Acceptance in which they were paid in full on XX/XX/2021, however they havent closed out the account which is causing me problems in obtaining a new car auto loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: NC
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:
Account name : # XXXX XXXX XXXX XXXX XXXX {$310.00}. XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX {$260.00}. 
Account name : #, XXXX XXXX  XX/XX/XXXX Account name : # XXXX XXXX XX/XX/XXXX {$280.00} Account name : # XXXX. XX/XX/XXXX {$95.00} Account name : # XXXX XXXX XX/XX/XXXX {$870.00} has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
ChekSystem did a temporary quick fixed on about end of XXXX XXXX then I can open an account on XX/XX/XXXX and now after I tried to open an open in XX/XX/XXXX but bank decline to open an account and referred me to ChekSystem again. So far since XX/XX/XXXX up to date I have never have any activity with loan or any credit card with any finance institution. I need ChekSystem to fix the problem not just only did it for temporary only

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 2019-11-08
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2019, I booked a flight through the merchant - XXXX XXXX using my Chase credit card. I had to subsequently cancel this flight within a few hours. For this, I received a refund of only 50 % of the ticket amount i.e. {$1500.00}. As per the cancellation policy on XXXX XXXX, I should have received a full discount since the ticket was cancelled within 24 hours of booking. I therefore disputed the charge of {$1500.00} on my Chase card. 
After disputing the charge, the merchant - XXXX XXXX contacted me saying they are willing to refund the money to me on the condition that I remove the dispute on this charge ( emails attached for reference ). After consulting with Chase customer service, I undisputed the charge. However, after this, XXXX XXXX stopped responding to my emails and did not refund any money. I then reopened this dispute with Chase. Chase did not contact the merchant at all and sent me a letter saying the transaction is valid despite proof in the form of email where XXXX XXXX agreed to refund the money and did not. Upon contacting them, Chase dispute department was rude and unhelpful and stone-walled me on trying to get further information on why my case was not even pursued with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, I made a purchase at Ashley Furniture XXXX XXXX, financing {$1800.00} ; 1-year same as cash, minimum monthly due of {$65.00} by the XXXX of the month, first payment due XXXX XX/XX/XXXX. ( Financing provided through Synchrony Bank ). The following paid dates are the dates payments were credited to my account : XX/XX/XXXX Stmt paid XXXX ( 10 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 8 days early ) ; XX/XX/XXXX Stmt paid XX/XX/XXXX ( 7 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 14 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 19 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 38 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 26 days early ) ; XX/XX/XXXX was paid XXXX ( 25 days early ) ; and XXXX Stmt, final payment, was paid XXXX ( 31 days early ). ALL of my monthly payments were paid EARLY, the amount financed was paid off in 8 months ( 4 months early ), yet Synchrony has charged me monthly {$30.00} financing fees since XX/XX/XXXX. Phone call & posting this info to my online account has been to no avail. Synchrony Bank refuses to address the invalid financing fees, which make up the so called balance due ; and they keep charging these invalid fees. Apparently, Synchrony Bank has an unscrupulous agenda, and they aren't budging.

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 2021-09-17
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discover violated my Federally Protected consumer rights. XXXX XXXX also committed identity theft and 10 other violations under the FDCPA. Violations included : 15 USC 1692e 15 USC 1692b ( 5 ) 15 USC 1692c ( a ) ( 1 ) 15 USC 1692c ( b ) 15 USC 1692d ( 2 ) 15 USC 1692b ( 2 ) 15 USC 1692f ( 1 ) 15 USC 1692f ( 7 ) 15 USC 1692e ( 10 ) 15 USC 1692j ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon checking my credit report I noticed some inaccurate reporting on my XXXX and Transunion credit reports as follows ; ( account # XXXX ) Company : XXXX XXXX XXXX I ask the above company provides all documentations as follows : 1. Original contract 2. Credit Insurance 3. Payoff disclosure 4 balance history 5 payment history 6. Interest rate disclosure Please provide all documentations to insure accurate reporting information on my credit reports.

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 2019-05-09
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. I have no knowledge of said debt and I would like it removed as it's reporting to the CB ( as an OPEN account ) and negatively affecting 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 2023-02-10
Company: C & M Associates Group, 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:
Upon checking my credit report I noticed that on XX/XX/2022 your company had a soft pull of my consumer report. 

15 U.S. Code 1681q - Obtaining information under false pretenses 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

I would love to have a copy of the contract where I allowed you to use my information.

Please let me know who allowed you to do pull my credit!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX I attempted to log into my Venmo account and received a banner stating my account was frozen, I then went to the Venmo website and contacted the company. They then requested I confirm my identity by sending in a picture of my drivers license. I then complied and received another email stating they were reviewing the case. On XX/XX/XXXX I received a new email which stated " Thank you for contacting us. 

After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/XXXX. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community.. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding. 
XXXX XXXX | Account Specialist | Venmo '' I then waited a year to reach out again and received the same treatment. I kept asking what I did in order to not be able to utilize their services and they would not respond. On XX/XX/XXXX I received an email response that they would not respond to any further questions that I may have regarding my account closer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Self Financial Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
My name is XXXX XXXX, Account number : XXXX Loan : XXXX CD : XXXX Issuing bank XXXX XXXX XXXXXXXX. 
Estimated Payout : {$520.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI, XXXX Social Security Number : XXXX Since XX/XX/2023, My self credit builder account has been closed and after submitting documents required by self to verify my identity they have still been reviewing my account for over a month now, although my payout should have been sent to be by XX/XX/ 2023. 
I have contacted Self several times through email and have also called customer support, when emailing them I get the same message claiming that they can not tell me how long the review process will take and will not let me know if there is any further documentation or verification I can submit. When I call customer support I am told that the department that handles the reviews is not available to talk on the phone at all and will not be taking calls in the future whatsoever. 
I have done everything on my end to get my money released back to me but to no avail. 
If there is any way I can get any further help with this issue please let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: DISCOVER BANK
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 have on my credit reports items that do not belong to me and I have no knowledge Of them and need them removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Credit determination

Complaint:
A credit card from Bank of America is on my credit report. I do not have this card. I beleave my ex wife has it and wont take me off of the card. I am since remarried and we are trying to buy a home but the amount on this card is a real problem.

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 2015-04-11
Company: On-Site Manager, Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
shows a previous address that I NEVER received mail at, never was a resident.. Do n't even know anyone who has.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I asked Wells Fargo to add an authorized user to my credit card a few months ago. Without explaining to me this would be creating a new credit card account, they gave me a new credit card for my employee to use. As of yesterday XX/XX/2022, my employee informed me her credit card was no longer working. I called Wells Fargo on XX/XX/2022, and I was informed it is because her card has not been paid off. I was under the assumption that she was sharing my credit line and has been paying my own card. Wells Fargo opened a new credit card account under my business name without the proper disclosure.

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 2021-09-17
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
For a few days now they have had the incorrect balance in my leddger saying it was negative and it was not. Infact i had about XXXX XXXX  in there and then they froze my accoint and ita still frozen ans i can not use the little money i do have in it and it wont allow me to add another card to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have already settled my account with synchrony bank. I settled with the amount paid of {$530.00} which was 50 %. This was paid and settled on XX/XX/20. Confirmation number XXXX. I asked to please remove this from debt collections and credit report. The debt collector XXXX XXXX XXXX is now coming after me for the same debt and it has been months since contacting to get it removed. They say they are waiting for synchrony bank to respond. They have been provided with the confirmation number and payment information but still have not removed the debt.

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 2017-03-03
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX  XXXX Balance : {$1700.00} 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

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 2018-02-20
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was recently notified XXXX & XXXX XXXX placed a mark for collection on my credit and I have no prior remembrance of this billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We sold our motorhome. The purchasers bank, XXXX XXXX, paid off our loan with Bank of the West. We received a letter from Bank of the West dated XX/XX/XXXX, that Bank of the West sent a lien release to XXXX XXXX. Bank of the West has not sent the title. I have called Bank of the West, my husband has called as has XXXX XXXX of XXXX XXXX, all to no avail. XXXX XXXX  received the release of lien letter but no title. The title is a XXXX title. 
Bank of the West told me that the DMV has to fax a request. 
We just want the XXXX  title. 
I wont even get into how Bank of the West failed to release the title to the State of XXXX, on three requests, when we moved to XXXX  in XX/XX/XXXX. 
On top of it all, XXXX  is a title holding state, so they should have mailed us the title months ago. 
I am so happy to no longer have business with Bank of the West. We would just like the title to the motorhome, so the purchaser can register it in Florida.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation