BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-12
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Rewards

Complaint:
While on board a US Airways flight on XXXX/XXXX/XXXX, I received an offer from US Airways representatives on board the flight for a MasterCard. They provided me with the attached flyer that describes the benefits of the card and stated that we would receive these valuable benefits if we applied for the card while on board the flight. My wife and I each applied for separate cards during the flight and tendered the applications to the US Airways representatives. We each received separate cards in XXXX XXXX ( The annual fee of {$89.00} was billed on my account on XXXX/XXXX/XXXX and on my wife 's card on XXXX/XXXX/XXXX. The attached flyer provided by the airline references benefits of the card that include : - {$99.00} companion certificate. The application states '' Every year you will receive a companion certificate that allows up to XXXX guest to travel for {$99.00} each, plus taxes and fees ... '' - Complimentary US Airways Club day pass -First Class Check in and Zone XXXX boarding. 
-first checked bag free for me and up to XXXX travel companions I received the companion certificates and other described benefits for my first card year, commencing XXXX/XXXX/XXXX, as did my wife. According to the brochure, we are to receive the companion certificates on the anniversary date for each card. I was charged another annual fee of {$89.00} on XXXX/XXXX/XXXX. I contacted US Airways BarclayCard tody to request my companion certificates and other benefits for XX/XX/XXXX and I was informed that they have changed the program and these benefits are no longer available. I received no notice that the benefits were changing prior to being charged the annual fee. This is a classic bait and switch scam.The value of ( XXXX ) companion tickets in the US can be as much as {$1000.00} per ticket or more, depending on dates of travel. I request that US Airways honor the benefits that we were promised to my wife and I for our respective credit card accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Billing concerns, emails I received from Bridgecrest over a 3 day span. XXXX. Amounts in attachments show incorrect and inaccurate. changes made due to retaliation for complaints on company standards and practices

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 2019-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX {$4400.00} was fraudulently charged on my Bank of America Visa card by some unknown person at a retail store in XXXX XXXX The charge was made without my knowledge or authorization. I have not used this card for many years I notified the bank XX/XX/XXXX when I noticed the charges on our online banking statement. I wrongly assumed this was the resolution but on XX/XX/XXXX received a letter denying my claim. I called XX/XX/XXXX and requested an appeal and sent a written request stating I did not make these charges. Their fraud department states these charges were made in person on a card with a chip which indicates you or someone you allowed to use your card was present you are required to make payments on your account. 
I believe my liability is no more than {$50.00} for these fraudulent charges

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 2020-06-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Hi - I have several synchrony bank loans that I acquired to purchase furniture. However making my monthly payments is difficult because their phone system always has complications finding my account, when I go online it says I have to call because I have several accounts. When I call and the automated system doe snot find my account and I talk to their representative sometimes I am told I only have 2 accounts, sometimes they tell me I have 3 and sometimes that I have 4. 
I have the money to make my monthly payments. All I want is information from Synchrony Bank on what are the account numbers I have with them, how much I owe in each and what is my monthly payment and due date. FOR ALL MY ACCOUNTS. 
I am trying to pay my debt off, and this company seems to systematically make it hard for me to do so. They call me every day to my cell phone and when I answer they hang up or no one in there, I say hello multiple times and no one answers. 
PLease help me pay my debt. 

Thanks.

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 2020-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. 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 2015-09-24
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
My wife had been paying on a debt from XXXX money. Even though she was paying, they closed her account. She then became XXXX and could not pay. Right after a XXXX injury, they sued her and forced her to go into court with her attorney even though the doctors all documented that she was XXXX She was coerced into making an agreement for {$25.00} a month, even though the doctors permanently took her off of work. We almost lost the house and we had to take all of our money and pay our debt because our mortgage company went bankrupt and made a mistake on our mortgage. She could no longer pay XXXX. She tried to contact them through mail for settling the debt and got no response. 

This year, XXXX money, and MJ elliot served my XXXX wife with another summons through our XXXX court.When she got the summons, it was dated months before. It also said she had only 10 days to answer. This document was months old before she received it. See documents and dates enclosed. 

She had been unemployed through documented XXXX, on XXXX assistance and medicaid because she is still XXXX.She is nearly XXXXdocumented. Belongs to the school XXXX. Documented. 

A few weeks ago, we contacted the court and MJ Elliot to see how to work this out and start paying again, The court said MJ Elliot had to drop it or take payments. We then called MJ Elliot who said they no longer had the debt, but yet they still had the summons that the court said only MJ Elliot could drop. 

When asked about this recently after XXXX complaints XXXX says they are no longer XXXX and are XXXX bank who states that MJ doesnt even have the debt. They are not only trying to get this money from us but so is Mary Jane Elliot. XXXX COMPANIES ARE LISTED ON SUMMONS from XXXX district court. 

My wife sent XXXX {$25.00} and the summons is still in place. XXXX Recently, I had to file taxes.Enclosed, you will see that I got a letter back from my state saying that due to this summons, I will have to give it to XXXX. It is enclosed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Bepensa Capital, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Credito Real USA or AFS Acceptance whoever they are very deceiving and they're XXXX XXXX. They call non stop all day long from va5rious different phone numbers. They use Robo calls, they even call and stay silent and hang up the phone. They even have private delivery people to bring letters to my home. Not via USPS, it's hand delivered like I've been served. I've explained when I lost my job that I will be struggling to make payments. If they check my record after I stopped working that is when I fell behind. I do mu best at making payments, sometime doubling up in one month. However that is not enough for them. I even asked if I can break my payments in half to help me manage, but I was told no because their system doesn't recognize partial payments. I would still accrue interest fees until the payment is made in full. On top of all of that my interest rate is over 24 %. That alone should be illegal. I tried to refinance to have lower payments and get them off my back, but due to the way they report to the credit bureau 's has my credit all messed up. I just want them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I 'm part of a class action suit that was won which Experian refuses to honor : I was supposed to get free credit scores and monitoring since at least XXXX. I will provide the case number and attorney info no later than next week. 

In the meantime, Experian has prevented Credit XXXX from getting my report and score. All info that I have provided to XXXX in XXXX has been exactly what I have given Experian when I obtained my free credit report today ( XXXX/XXXX/XXXX ). When I again tried CS today, they could not get my report or score. Additionally, Experian has listed a XXXX CARD ( XXXX .... ) account for {$440.00}. that appears to have been disputed back in XXXX XXXX XXXX 8 1/2 years ago? )

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 2022-07-21
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I was sued by Calvary SPV I, LLC on behalf of XXXX for the amount of {$5700.00}. I immediately contacted a consumer debt attorney to represent me. On XX/XX/XXXX, I was served with a notice that I was in default for the amount of {$6000.00}. During this time, my attorney and I were working on obtaining documentation from Calvary proving that they obtained the debt from XXXX. The attorney was not able to help me with my lawsuit and was told that there was nothing he could do and closed the case. On XX/XX/XXXX, I obtained the help of another consumer debt attorney to represent me. Ever since that time, my credit report showed an increase in the total amount owed. My current credit report ( XX/XX/XXXX ) shows that the amount owed is {$6.00}, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After contact the credit bureau to get my credit report updated on XXXX XXXX XXXX XXXX, the credit bureau said everything is being reported correct. 
I filed with XXXX XXXX XXXX XXXX that responded the credit bureau is refusing to updated the information sent every month because of not accepting my name ( legal discriminations on by view ), in attach is the XXXX XXXX XXXX response where is wirten the credit bureau are solo responsible for not having my credit updated correctly. 
What intrigues me is that my name is accepted for hard inquiry but not for the monthly payment report, again I feel like discrimination.

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 2015-10-04
Company: Credit Solutions, LLC (KY)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was referred to this office by primary doctor with an appointment date of XXXX/XXXX/2014. My insurance information and ID was provided. I paid a {$35.00} copayment at time of visit. Was not advised of any other charge or amount due. A procedure was scheduled to be performed at an out-patient facility on XXXX/XXXX/2014. On the day of the procedure I was not advised or informed on any additional cost involved. My wife received a phone call several months later asking me to call the billing office. The message was given to me and I returned the call but was unable to speak to anyone and had to leave a message disputing the debt. The business claims billing statements were mailed but none were received by me. I had no knowledge of any outstanding amount allegedly due until I found a collection account on my credit profile. I had to reverse track the collection agency name and original creditor name through the credit report. I have contacted my insurance company and they investigating the charges and amounts that are claimed to be due. I, in good faith, contacted the billing office and was willing to pay the amount the office claims is outstanding and then be reimbursed by the insurance company for any over payments. 
My HIPPA privacy rights have been violated due to the release of my personal medical information to a third party to which I did not authorize. 


I have made several calls to XXXX office of which I have made not and clearly they are making false statements regarding the contents of these calls. I also sent a rescission of the authorization for payment to their office. I received no return mail so it is apparent they received the written rescission. 
Additionally, I believe XXXX office is acting as a collection agency and referencing FL Statutes as such without following the requirements of the FCRA. They have never stated they were a collection agency or they were attempting to collect a debt as such. Furthermore I never received communication of right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: MoneyLion Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX MoneyLion attempted to draft {$42.00} and some change for a Credit builder loan. When the pandemic hit due to the Covid-19 and the banks changed there operation hours I got an email from MoneyLion asking to update payment due to insufficient charges so I did. And they took {$19.00} out of the updated account on XX/XX/2020 and on XXXX XXXX they took {$42.00} and some change. So, on XXXX XXXX I get a credit alert sayin that MoneyLion reported 30 late on my account. I dont understand how and why when I updated my bank account immediately!!! And you took two charges out of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was informed my Sam 's Club account had been closed yesterday after making my required payment ( over the phone today ) without any written warnings from this creditor, I 've been paying on my account monthly and my credit limit was {$1000.00}, I only used {$450.00} in credit. The online account summary states my account is open. They had previously closed my account due to a lost card and made my credit score go down XXXX points. I believe they are practicing unfair credit practices. I 'm requesting my current account be reinstated and a letter issued to all XXXX credit reporting agencies explaining the closing of the previous account due to a lost card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are accounts on my credit report that aren't mine. Please remove them.

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 2017-09-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A company called XXXX XXXX is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$600.00} but I have never done business with them and I have never received any letters or notices from them. The account number from Convergent on my credit is : " XXXX ''. This is the second collection company within the past year to try and collect this same exact sum of money from me. Another company called XXXX XXXX XXXX is also currently working trying to collect {$600.00} but they have a different account number. XXXX XXXX 's account number is # XXXX. How can it be possible for two collection companies to try and collect on the same debt? Is n't this illegal? Also, why did XXXX XXXX not send me a notice of my right to dispute this debt before they reported it to my credit? I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by these two companies. There is a 97 % negative review rating and over 923 consumer complaints listed on the XXXX XXXX XXXX XXXX website for XXXX XXXX! I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

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 2020-06-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account XXXX XXXX is showing in my XXXX report as it is a recent charge off, lowering my score as if I have missed payments on it as recently as a few months ago. 

However this account was actually closed on XX/XX/2014. Theres is no activity on it for years. It is settled and paid a long, long time ago. 

If anything, this account shouldnt be on my report anymore at all, but certainly not displaying as if I have recent missed payments or negative activity. 

The other two credit bureaus dont have this issue, only Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
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:
My credit report carries a mortgage amount. It is associated with an address in XXXX XXXX., neither of which is mine. The IRS admits there has been Identity theft. I do n't live in XXXX nor XXXX period. I sent copy of my drivers license and the IRS letter. I rent and live in XXXX for 4 years now. Previously XXXX for 3 years and XXXX before that. It is not my mortgage and they refuse to verify that at least contact the Post office were the account seems to be registered. I do n't have any documents about the mortgage nor XXXX XXXX XXXX  because they are not mine.

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 2020-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive collection notice from portfolio recovery associates, llc in which i have never done business the original creditors is listed has XXXX XXXX which i have never done business has well i receive a letter from portfolio recovery associates, llc with copy of bill from XXXX XXXX which does not validated a copy of bill does not substantiate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions 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:
I recently submitted a request for an INVESTIGATION of this account, and they treated it as a DISPUTE. I never gave written consent for this account to be furnished on my credit report. Therefore my rights have been violated. They closed the INVESTIGATION with the excuse that the creditor verified the info was right, but how could it be right if I never gave written consent for this account to be furnished? Also I dont believe their INVESTIGATION was done right, as they were calling it a dispute, Im not disputing the information Im telling you that the information should not be furnished because I did not give consent. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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.

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