BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Captial one auto loan XX/XX/2020 in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Sedction 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Convergent Resources, 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 status incorrect

Complaint:
I paid XXXX directly. By law, they must recall the account from Convergent Outsourcing. They have no legal reason to report on my credit reports and must delete.

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 2022-05-28
Company: Bread Financial Holdings, Inc.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My elderly mother in law was contacted three times by reps from Comenity Bank. One rep by the name of XXXX recently left a voicemail stating what company she was from and revealed my personal financial information to this relative. I recently made a payment towards the debt on XX/XX/XXXX and the phone call to the third party was made this week, after I had made the payment. 

I know it's against the Fair Debt Reporting Act to reveal information like this to a third party, and this particular relative 's name and phone number is not on any of my records, so I do not know how they found her info or why they are contacting third parties about this. I have also filed numerous complaints against this company in the past and they responded saying they would no longer contact me or my family, so they are once again in violation. I have proof of their statements. Perhaps they are retaliating against me for the complaints, or not giving their customer service reps the message to leave my family alone?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I was double billed for a TV I purchased on-line from Walmart. The original item was a XXXX In XXXX TV, which was the wrong size, since I ordered a XXXX in XXXX TV. As the XXXX person delivered the wrong item, I immediately gave it back to return to Walmart. On XXXX XXXX, 2016, XXXX of Walmart told me they are issuing a credit for {$400.00} to my account. She gave me a Reference # XXXX for this credit and went on to tell me that the credit for {$400.00} would be applied and would show up on my next month 's Walmart. They did not do as they promised. I followed up with Walmart on XXXX XXXX, 2016 and they gave me a different story. This time they told me it would take 30-60 days to resolve this dispute. As of XXXX XXXX, 2016, I 'm still fighting with Walmart to remove the {$400.00} charge from my account. Simply put, they billed me twice for the same item.

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 2015-05-12
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
We had a {$0.00} balance on a credit card with Barclay Bank and they took a {$5400.00} payment overdrawing our checking account without notifying us. The funds were withdrawn via ACH and it is shocking that they would not have a control in place to prevent such payments from being taken given that the balance on the credit card was {$0.00}. Barclay refused to electronically return the money to our account in a timely manner. Given the overdrawn amount on our account and other fees we 've incurred, we are seeking damages of {$75.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. FDCPA section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 2. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 4. 15 U.S. Code 1692g Validation of debt XXXX XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 5. FDCPA section 807 Violation Misleading False Reporting XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 6. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Thank You Sincerely yours, XXXX XXXX XXXX Is our website address URL

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 2020-10-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card
Issue: Other

Complaint:
On XX/XX/XXXX, I requested a credit limit increase on my XXXX XXXX store card managed by Synchrony Bank. I did so using the automated phone system, which asked for my annual income, monthly rent, and desired credit limit. I then found out that Synchrony Bank performed a hard pull on my credit report despite never having obtained authorization from me to do so, either written or verbally, or even informing me that they would do so at any point during the increase request process. I complained on XX/XX/XXXX, and the agent told me that the authorization is in my Account Agreement. No language in the Agreement concerns hard pulls, but when I mentioned this, the agent told me soft pulls had been done away with in XX/XX/XXXX and that all pulls were now hard ones, which is also not true. When I further disputed her asserted facts, she told me she had been doing the same job for 15 years and knew what she was doing. In short, Synchrony Bank refuses to acknowledge they illegally performed a hard pull of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
The following is the chronology of events. 

Interested in opening a consumer checking account to take advantage of up to {$500.00} of account opening bonus depending on total of direct deposits. Promotion excludes consumers who " had a U.S. Bank consumer checking account in the last two years, or received other U.S. Bank bonus offers within the past two years. '' I had attempted to open a consumer checking account in XX/XX/XXXX which was never officially opened due to initial account opening 's ACH funding issue. 

XX/XX/XXXX : As account as never funded, spoke with XXXX of Promotion Dept to confirm qualification for bonus. XXXX confirmed that I qualified for the bonus as prior account was never opened since it was never funded. She was adamant that for an account to be officially opened, it needs to be funded with a completed signature card. 

XX/XX/XXXX : Opened Easy Checking account and funded initial {$25.00} deposit via debit card XX/XX/XXXX : {$25.00} initial funding posted XX/XX/XXXX : Met qualification for {$500.00} bonus via two direct deposits XX/XX/XXXX : Inquired with XXXX of Relationship Banking dept about the status of bonus XX/XX/XXXX : XXXX XXXX XXXX ) left voice message saying unqualified due to account opening XX/XX/XXXX. 

XX/XX/XXXX : Escalated to manager ( XXXX XXXX who claimed that Bank didn't have record of my of conversation with XXXX on XX/XX/XXXX. 

XX/XX/XXXX : Spoke with another representative who submitted another Customer Care Unit request with full explanation of the XXXX account opening and referenced the XXXX conversation with XXXX. Representative also disclosed that Bank 's written, internal policy is to pay bonus if promised. 

XX/XX/XXXX : Posted via XXXX 's @ XXXX asking for assistance on the matter. 

XX/XX/XXXX : XXXX ( Social Media Relationship ) reached out discuss the case. He indicated that he will look for recorded conversation of my call with XXXX on XXXX. 

XX/XX/XXXX : XXXX called to confirmed that Bank located the recorded call with XXXX on XXXX. He stated Bank will still not pay out earned bonus even after confirming that I was assured of bonus qualification prior to account opening. He said the agent has been coached. Told him that their written internal, written policy requires payout when a customer has been promised a bonus. 

In summary, this case revolves around the issues of lack of proper disclosure of what constitutes " open '' account and obligation to deliver on verified promises.

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 2022-09-16
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I currently have inaccurate payments showing up on my credit report with no resolution from Navient. 

I was accepted into XXXX XXXX XXXX  as of XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$3000.00} to Navient. Between these dates, I contacted them regarding my original complaint about not receiving protection due to me being XXXX XXXX XXXX and also whether I would be a part of the settlement. I furthered wanted clarification on what criteria would be involved. I would get bounced from the private customer service # to the military and even hung up on without speaking with anyone. I still paid XXXX on XXXX. I started school in XXXX and would still receive request for payment even when letting them know I was in school. I would again be transferred to a number that would hang up because anytime I stated that I am in the military they attempt to transfer me to that number. 
I am under contract to purchase a home and was now denied due to this inaccurate reporting of late payments. Navient still has me as not current and over 120 days. 

When I called Navient in the hopes that they could help. I was instructed to search credit reporting and do what the paragraph tells me, or I could upload my proof to their website. When I told him that my proof is the actual website which shows my last payment and me owing {$0.00} due to my school deferment, he suggested I just upload a word document requesting the removal of the inaccuracies. He stated that they had 30 days to answer me, even though I explained this was an immediate issue. I also told him that my options for upload were documentation for military certification or removing a cosigner from my loan. He stated to upload it to the cosigner section and eventually it would go to the right department. He acknowledges that 30 days started once the correct department received the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hi This is XXXX XXXX. I am discussing about ongoing issue and complain to CFPB Complaint Number XXXX. I have not received any response or result of my previous complain from SYNCHRONY BANK, now they have discriminated me, I used to get PRE-QUALIFICATION from SYNCHRONY BANK and now they have stopped, e from other STORE sites. Every company has given me PRE-QUALIFICATION approved except SYNCHRONY BANK, nor they response me my current/existing complain. They removed me from PRE-QUALIFICATION. I am monitoring their discrimination carefully. Because I have complained about them, they do not like me, otherwise I have XXXX plus score on XXXX. They shouldn't have removed me from pre-qualification if there is any on-going complain. XXXX XXXX, XXXX, and others pre-qualification approvals including I got XXXX XXXX, and XXXX XXXX, including Balance of Transfers offers. XXXX did not like 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 2022-05-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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:
XXXX XXXX balance {$110.00}, XXXX # XXXX ... XXXX # CLOSED DATE XX/XX/21, ... XXXXIN ACCORDANCE with the fair credit reporting act convergent #! has violated my rights,15 U.S.C.1618 section 602A states that i have the right to privacy ... XXXX15U.S.C.1618 section604A section2 ; also statesa consumer reporting agenceycanotfurnishan account with out wriiten consent and/or instructruction... and they've been given NONE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Colony Brands, Inc.
State: MA
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:
XXXX, XXXX # XXXX, ... date ; XX/XX/22 ( collection ) ... .in accordance with the fair credit reporting act XXXX XXXX has violated my rightt!, ..15 U.S.C.1618 section602A states that i have the right to privacy ... ..15 U.S.C.1618 section604A section2 also states that a consumer reporting agencycan NOTfurnish an account with out my consent and/or instruction and they've obtained niether!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX/XXXX/2015 I received a unknown call on my cell phone with a message left with a threat of a law suit from a law department ; the person calling did not leave there name or what law department they were calling from just the I needed to call Portfolio Recovery. The message stated I must call today to discuss or a lawsuit would be filed and delivered to my home or work between XXXX and XXXX on XXXX/XXXX/2015. I have not spoken to anyone as I received some strong messages from individuals in XXXX, XXXX, and XXXX leaving messages that warrant would be issued ... the message did not say by whom or for what ... just that I needed to call. The numbers were unknown and the tones of the individual leaving the messages were very strong and threatening like a scammer to take you information and steal your identity. I am very nerves as and scared to go to outside to my car or work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am a XXXX XXXX XXXX, with an Individual Taxpayer Identification Number, credit card from XXXX XXXX, USA address and a functional XXXX in the US. 

I Need to access my credit report/score but my information is not available in their websites : XXXX  Experian XXXX  XXXX How can I get my credit score?

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 2022-05-28
Company: Experian Information Solutions Inc.
State: NV
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:
In XXXX of 2020, I disputed the XXXX XXXX account and the XXXX account as incorrect and unverified. 

Experian responded both as " verified '' and correct, yet they are reporting these in multiple ways. They are reporting them as " closed Accounts '' as '' charge offs '' and also ALSO as " unsecured loans ''. 
They are also claiming there is a current balance on these charge offs. 

Additionally, they continue to " renew '' this debt, instead of keeping the original date. 


I sent the request via certified mail ( unfortunately i am in the middle of packing and cant find the certified mail receipt right now, but do have it )

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 2022-05-28
Company: Experian Information Solutions Inc.
State: PA
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 XXXX 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
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 an account without mt 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 non-monetary relief
Consumer complaint received 2016-09-25
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been in litigation with Barclays Credit Card for fraud revolving around false representation of Account Protection.I had payed for years into Account Protection and when I lost my job they did not pay as stated. They filed a judgement against .. 
2013 .It was suppose to be dismissed in the court and it is still active on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a credit report from apartments i was applying too. Showed XXXX delinquent accounts which XXXX of them was paid in full, then the other by the same bank, was never opened. I tried calling and all i get is a automated system. Then if i get a person its XXXX, and she transfers me back to automated system

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-09
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX 2015 I paid my account through a credit card in good faith. A year later I get a phone call from Conn 's Home Plus customer service telling me that I have a past due balance. I was puzzled and explained to the agent that I had paid off account. They stated they had no record of me calling to get a pay off balance. That is correct. When I logged onto my account online it gave a pay off balance and that 's what I gave the other creditor. Nowhere online did it state I needed to call to get a pay off balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28
Company: AmeriCollect
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I believe that it said the year was 2018 and there were XXXX charges for XXXX each

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation