BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-30
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for a USAirways XXXX XXXX credit card in XX/XX/XXXX when they were running a special promotion : Pay the annual fee of {$89.00} and receive XXXX companion flight certificates to be used anywhere they fly for {$99.00} each. Shortly thereafter, US Airways and XXXX merged and I was sent a letter that they will no longer honor the companion certificates. They did not offer to refund my {$89.00} annual fee. They only offered XXXX bonus miles if I spent another {$3000.00} on the card in 3 months. The company made good on the XXXX miles, but I just received a promotional mailer stating that they are offering the original deal again : XXXX companion tickets for {$99.00} each ... I just spoke with the company and I ca n't get a straight answer. They refuse to discuss the fact that the promo was taken away and now that it is being offered again, they said they could give me {$99.00} companion certificates but they would only be good for use in XX/XX/XXXX. Problem is that we take XXXX vacation per year and already purchased full-price tickets for our XX/XX/XXXX vacation because we were told they no longer offer the original deal ... Is this even legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

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 due to the pandemic we COVID-19 the world is facing now my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act public record XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REF # XXXXXXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX  XXXX Acct # XXXX Are all Fraud accounts and Public Record. 
15 U.S.C 1681 section 605B states the of information resulting from Identity Theft. I was XXXX XXXX XXXX when these Fraud accounts and public record was Incorrectly and Fraudulently was placed on my credit report. These items has hurt my credit integrity and has stopped me from receiving jobs, apartments, and the chance buy a car. These Fraud items needs to be REMOVED and DELETED from my credit report to show accurate and true information on my credit reprt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt collector placed negative information on my credit report without notifying me. Furthermore, since this debt collector has not validated that they are legally entitled to collect the debts they have listed, they are RE-AGING accounts listed on my credit reports in an effort to keep them there longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Lendmark Financial Services
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I FOUND SOME ERRORS ON MY REPORT THAT ARE IN QUESTION, CAN YOU PLEASE SEE THE ERRORS I FOUND BELOW, THANK YOU FOR YOUR PROMPT ENGAGEMENT. 
I DISPUTED THIS ACCOUNT WITH XXXX XXXX AND XXXX. XXXX DELETED XXXX OF THE CHARGED OFFS ACCOUNTS BUT NOT THE THIRD ACCOUNT. THIS IS DAMAGING MY ABILITY TO GET A JOB.I DO NOT OWE ANYONE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Jefferson Capital Systems XXXX {$130.00} XXXX XXXX XXXX XXXX  XXXX {$0.00} Balance {$300.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} Balance {$300.00} Credit Limit I've Called all 3. XXXX XXXX XXXX XXXX, Jefferson Capital Systems LLC and XXXX. They all are going after the same debt from the Original Creditor which is XXXX XXXX.So I choose a payment plan through Jefferson Capital and paid it off.See attachment below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX to present. Creditor, XXXX XXXX XXXX XXXX, is reporting outdated information in remarks which are reflected on TransUnion LLC credit report. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX High Balance : {$19000.00} Pay Status : Current Account Terms : Monthly for 60 months Date Closed : XX/XX/XXXX Remarks : CH XXXX REAFFIRMATION OF DEBT ; CLOSED XXXX XXXX - XXXX. XXXX, XXXX is reporting in comments that the account was reaffirmed in a Chapter XXXX ( filed XX/XX/XXXX and discharged in XX/XX/XXXX ) and the account is closed. Credit reporting agency is showing these credit comments. 
XXXX XX/XX/XXXX Credit Reporting Agency and Creditor were requested via telephone call and dispute process to remove the outdated remarks being reported. A Chapter XXXX was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Creditor account was opened in XXXX and paid in full in XXXX. 
XXXX XX/XX/XXXX Creditor phone call regarding email. Creditor refuses to remove remarks because they claim it is accurate. The information is outdated and reflects a Ch XXXX after 10 years and discharged. 
_______________________________________________________________________ XX/XX/XXXX Credit reporting agency continues to show the remarks from the creditor who refuses to remove the remarks and the remarks are reflecting outdated information about a Chapter XXXX over 10 years old. 
_______________________________________________________________________ Per the Fair Credit Reporting Act, consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old or bankruptcies that are more than 10 years old. In  this case, they are reporting the remarks from the creditor that shows CH XXXX bankruptcy after 10 years discharged. The creditor and the credit reporting agency will not remove the outdated bankruptcy Chapter XXXX remarks, although accurate, I did file a Chapter XXXX and reaffirmed the debt in the bankruptcy, but the information is outdated ( a violation of the FCRA and discriminatory towards me, as it is reporting a Chapter 7 over 10 years after the filing and discharge in XXXX - in 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 2016-10-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Credit card stolen XX/XX/2016. Reported to XXXX cancelled card and account. Keep getting billed by Synchrony bank. Have spent hours resolving situation but keep getting billed by bank. Have not had account in months. Each month call bank and am assured problem resolved. I do not have an account but XXXX keep billing me. XXXX wits so do not know what else to do.

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 2022-05-16
Company: Finance System of Toledo, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called Finance systems of Toledo in XX/XX/XXXX to ask why they reported the closed/paid collections account on my credit report in XXXX of XXXX when this account was paid and closed XX/XX/XXXX of XXXX but the closed date was updated to XX/XX/XXXX and then XX/XX/XXXX. I was advised by a XXXX that he would give me a call back after he looked into the matter. I looked at my credit report in XXXX of XXXX and they updated this accounts closed date to XX/XX/XXXX. They are reaging the debt by doing this. I reached back out to them and was advised just because you paid the debt does not mean it will be removed. I advised the representative that my issue is with them updating the closed date as if it was just closed. I explained to the representative how this is negatively effecting me and he was very nonchalant and said we cant remove it sir I'm sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/1798 Basic Attention Token and XXXX Bitcoin disappeared from my Coinbase account with no record of any such transactions. This amounts to over {$2000.00} lost by the company. I have tried calling them over 10 times, and the only people they let me talk to are low level customer service reps who barely speak English that have no idea what is going on, and they refuse to transfer me to anyone who could help. I have tried emailing them numerous times and I have only ever received automated emails in response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-21
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Late fee

Complaint:
I set up automatic minimum payments for all of my consumer credit cards in XXXX for automatic payments to begin in XXXX, XXXX of those accounts being a Barclaycard Account. My barclay payment was due on XXXX and on XXXX I received an email from them asking if I forgot my payment. I immediately logged in to my account to find out that my monthly minimum payment had not been made and as such, a late charge was accessed to my account. I made a manual payment and sent an email to barclay asking what happened with my auto payments. After 2 or 3 days with no reply, I called barclay. Not only was I concerned with the fact that the auto payment was n't applied, I was requesting that the late fee be removed as I felt this was their error. After waiting on hold for nearly XXXX minutes, the rep advised me that my auto payments were submitted successfully but they were submitted after my cycle end date, so they would n't begin until XXXX payment. I completely understand this, although none of my other credit cards do this, and apologized for the confusion. I asked if she would, out of courtesy, refund the late fee. She refused to do so because it was a " valid '' charge. I spoke with her manager XXXX who advised that she wold have refunded it already if she could, but the system wo n't allow it. I feel as if Barclay is taking advantage of me as a consumer by not readily disclosing their policies, especially when the differ so much from other companies. I should have received something from them letting me know my XXXX payment would not be paid automatically so I could have made the payment myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: CT
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:
EQUIFAX is an elaborate mechanism that has assumed its role in reporting on behalf of I the Consumer without my written instruction to do so violating my federal right to privacy. Under 15 U.S. Code 1681 ( 4 ) there is a need to ensure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY. EQUIFAX is in violation of Federal law 15 U.S. Code 1681b ( a ) ( 2 ), I DID NOT give EQUIFAX a written notice to report on my behalf. EQUIFAX is violation of the following Federal Laws. 15 USC 1681e ( a ) - U.S. Code 1681a ( 2 ) ( B ) - 15 USC 1681i - 15 U.S. Code 1681e ( b ) - 15 USC 1681 - 15 USC 1602 ( p ) - 15 USC 1681e ( b ) - Regulation V 12 CFR 1022.3 - 15 U.S.Code 1681a ( q ) ( 3 ).

EQUIFAX is in violation under 15 U.S.Code 1644 ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, EBT card, can result up to a XXXX fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$660.00}

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 2016-07-23
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
I have a complaint about synchrony bank who took over the walmart and sams club credit cards accts. Have not used either card in 3 months or more yet my statement balance still reads over the card limit when i 've been paying at least a small amount over what the payment is. Its been showing that more then XXXX going to interest and not showing a drop under the credit limit amount. 
My own bank XXXX XXXX just recently had to refund back to my card with them over payment money. I think was due to an audit. Doesnt the gov. do audits on these banks to check for discrepancys in peoples accts. 
I would like to request this matter be looked into. Thank you 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 explanation
Consumer complaint received 2022-05-16
Company: Avant Holding Company, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Here is a copy of the email I received XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX, Utah XXXX  XXXX, Thank you for applying for a XXXX issued credit card through www.avant.com or another third party provider on XX/XX/2022. Your application has been closed and we can not issue you a card at this time. 

Avant branded credit products are issued by XXXX, so you may see a new inquiry from these institutions on your credit report. 

If you would like a statement of specific reasons why we were not able to issue a credit card to you, please contact the application review manager at the address or email shown below within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. 

XXXX c/o Avant Attn : Customer Support - Card Application XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Information Obtained from Third Parties Additionally, our credit decision may have been based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information. 


Sincerely, XXXX, XXXX XXXX XXXX, Utah NOTICES : FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is : FDIC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. 


XXXX*This also showed up on my credit reports. I never applied for this credit card. I emailed Avant and was directed to email you. Now what?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In regards to XXXX XXXX XXXX XXXX XXXX, I was able to speak with XXXX 's legal department about my intentions to sue if their credit reporting was not corrected. During the conversation, I learned that the XXXX account in question is for an address I have never lived at. I am now assuming that XXXX mistakenly assigned that account to me. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My previous address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI have attached a copy of my W2 as proof of my previous address. I want to demand XXXX and the credit bureau 's permanently delete this tradeline from all 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 non-monetary relief
Consumer complaint received 2022-05-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi good day! I've been using PayPal since last year but everything is running smoothly not until last week XX/XX/2022. Iv receive email that I can no longer use PayPal it never explain what's my fault. As this was my medium of payment as online freelancer. Ive tried to contact PayPal but representative said to be its can not be restored anymore. I have discovered how much of an inconvenience not having PayPal and I really appreciate If I can be given another chance. No longer being able to use PayPal has largely affected my life in so many ways especially this pandemic it is extremely difficult for me conduct with out PayPal I am very desperate to have my PayPal account back as it benefit me a lot. Once gain I'm begging you for humanitarian reason especially this pandemic time please grant my request. Hoping for your kind consideration Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I have a XXXX credit card. My payment due date was XXXX XXXX, 2015 - I made a payment on that day through their online credit card site. When I went to review that the payment went through the following day on XXXX XXXX, their was an acknowledgement of the payment and listed as " pending '', yet there was also a {$35.00} Late Charge fee - POSTED ON XXXX XXXX - the SAME day as my payment was made. I find this a disreputable practice in XXXX ways ... ( 1 ) They should not assess a late fee ON the Due Date - if anything it should be the day after. ( 2 ) The fact that a Late Fee is even posted to my account is a blemish on my credit record. I contacted their online 'chat ' service immediately and the representative stated that the Late Fee charge would be removed. I will follow-up & view my account online again on XXXX XXXX to ensure that, indeed, occurred. Overall, this is an unsavory business practice, XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Some one gained access to my prepaid bank off America account and spent XXXX $ I filed a claim at the begging of last year I was told I would recieve provisional credits nothing ever happend my claim was closed. Then I received and email saying they wanted to re open my claims, Still have not received the funds stolen from my account. I am the victim here I would like my money to be put back into my account in a timely manner my claim numbers are # XXXX XXXX # XXXX XXXX Bank of America phone number is XXXX Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation