BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up with Barclays Bank for an Uber Rewards credit card. As of XX/XX/2021, I have accumulated at least {$1000.00} in rewards, but I can neither access my rewards, nor use them to pay for my purchases. I contacted Barclays Bank to fix the problem, they referred me to Uber. I contacted Uber on XX/XX/2021 via their app. Uber responded that they are aware of the problem, " are working on it '' and would get back to me. All communications are through the Uber app, and there is no resolution in sight.

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 2017-01-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My student loan account XXXX with a balance of XXXX has been corrected by my student loan company XXXX ( XXXX ) showing that I have never been late. However Experian is still showing them as late. I have contacted my lender and they said they have sent the correction twice to them in the last month and do n't understand why they have n't corrected it. This error has resulted in getting denied for a mortage and when I try to dispute it with Experian they stated that it was " previously disputed and leander came back verfied '' and thus will not investigate, however lender stated that they did n't verify anything and was never sent anything by Experian for a dispute. The lender stated that they have exhausted all their efforts to correct the error and its up to Experian to report it correctly. Experian refuses to look into the matter. I am filing this complaint as a last effort before filing in court for the damages of being denied a loan if they refuse to correct it at this point.

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 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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've been trying to reach out to Transunion, they have not given me access to my CONSUMER REPORT and XXXX  REPORT. I have attached screenshots as proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: EQUIFAX, INC.
State: PA
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've been trying to reach out to Equifax, they have not given me access to my CONSUMER REPORT and XXXX  REPORT. I have attached screenshots as proof

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted XXXX XXXX XXXX several times and they say they have no record of my account but it continues to be listed on my report. XXXX time I called and they said it was my husband 's account but it is not listed on his credit report. They do n't know how to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: EQUIFAX, 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:
This dispute is for the XXXX XXXX account on my report. It reports Collection charge off when it was never charged off its all reported as a collection until recent. This account balance has been paid in full please remove from my report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Oliver Adjustment Co.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XX/XX/XXXX of this year I received a call from XXXX XXXX angrily collecting a debt that I did not know of. I asked her to give us information on XX/XX/XXXX regarding the debt. On XX/XX/XXXX we receive a note that this is related to my hospitalization at XXXX XXXX XXXX XX/XX/XXXX 
The bill is for an unbundled XXXX service. As far as I know, XXXX XXXX and my health insurance XXXX XXXX has paid all of my hospital bills together with my Worker Comp insurance XXXX XXXX. 
The XXXX mentioned in the bill, did not send me any bill requesting any payment at all. The only time I heard of this unpaid service was on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-11
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
synchrony bank tried to collect on behalf of sam 's club on my account. we never received a bill because we found out later that they sent the bill to the wrong address somewhere XXXX miles away. 
they would not let me have the address corrected because they said i was not on the account. i have my sam 's club picture id. when i went to sam 's to pay the bill they would not let me for the same reason, i was not on the account. i have tried everything and had my wife call and the info is still wrong. enough is enough, i do not want to shop at sam 's club or walmart because they cant even get an address right. i have been a member since the late 80 's and now its all messed up. so much for my repeat business

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-09
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:
I'm a new user of paypal. I'm a XXXX XXXX XXXX and I got my first payment thru paypal. May account is fully verified with bank accounts and card linked to it even my client confirmed his payment to me paypal decided to permanently limit my account and they'd hold my funds for 180 days. 
Paypal Account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Trying to re-finance mortgage and found XXXX judgments against me. Already completed the complaint with other judgment. This one just says GE Money Bank and they filed with County Clerk for {$5500.00} and when I got a hold of the law firm handling it, XXXX said that it 's really {$7000.00}. I do n't know what this is for. I was divorced in XXXX and this is dated from before that time ( they filed in XXXX but the debt is from years before ) I was also never notified that a judgment was filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Description of Complaint : This is about a lightly used credit card. I accepted an offer on XX/XX/2020 to transfer {$5700.00} in balances from other credit cards to my wells fargo card ( and pay a {$230.00} fee for doing so ) in exchange for no interest for a year or so. On XX/XX/XXXX, I made a {$3700.00} payment ( no purchases in the mean time ) because we were purchasing a house and I was advised that making this payment would significantly reduce the interest rate on my new home loan. My remaining balance was {$2200.00} with minimum required monthly payment of {$25.00}, which was set up on auto pay from my bank account. I was not aware of the interest charge because the account is set up on auto bill and I was not using the account. Later this summer, my wife inadvertently charged our lawn mowing service to this card. l immediately contacted Wells Fargo to determine the amount of payment I needed to make to continue to avoid interest and they could not tell me. It was then that I discovered they had been charging me interest since I made the large payment in XXXX!!!! I have made payments and they continue to charge me interest. Called several times, keep getting put on hold and hung up on. No one can even tell me why this has happened.

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 2015-08-26
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Started with a hospital visit & billing error by XXXX XXXX XXXX XX/XX/XXXX. Hospital failed to submit the proper claim through my insurance company & was charging me the full bill. Took them almost until XX/XX/XXXX to fix the problem, all I owed was a {$150.00} copay. Hospital never sent a bill but instead, reported & sent me to collections. Company is called Harris & Harris LTD out of XXXX IL. I paid the {$150.00} bill online XX/XX/XXXX after I requested a proper bill with the correct amount for my records. I am still getting collection calls on my cell phone. I have faxed & notified them verbally to stop the calls as the amount owed has been paid. Harris & Harris phone representatives are extremely rude & pushy insisting I have n't paid the {$150.00}. No one will take ownership and keeps transferring me to different people ultimately ending up with the same fax number to fax my proof of payment. The harassment has gotten so bad that I no longer pick up my phone when I see their number on my caller ID. Least they can do is offer to verify payment & make the proper corrections. Or at least, be pleasant on the phone, I do not owe them money & therefore need to be treated right & not as a deadbeat. All because XXXX failed at its obligations to properly process my claim & send me the correct {$150.00} copay bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Checkr, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
On XX/XX/2021, I received an email from XXXX stating that a background check was completed and it was found that I have an expired drivers license which could cause me to lose access the XXXX app. The email also stated that my sign up eligibility would be determined within a few days. I was provided a link to the consumer reporting agency Checkr to view my report. On the report provided by Checkr, it shows that my drivers license expired on XX/XX/2021 which is incorrect. What actually happened on XX/XX/2021 is my XXXX  drivers license was surrendered for a XXXX  drivers license. My XXXX  drivers license never expired. This information should have been updated instead of being falsely reported that it expired. Just in case any other false claims are made by Checkr, I must add that I was issued a new XXXX  drivers license on XX/XX/2021 with a new issue date due to updating my mailing address. On XX/XX/2021 I received an email from XXXX stating that they have decided to decline my access to the XXXX app based on the information provided on the consumer report provided by Checkr. They stated the specific information used to make their decision was the expiration date of XX/XX/2021. XXXX is how I make my money. When I lost access to the app, I lost apart of my livelihood. Bills are paid with this gig.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the collection agency on multiple occasions regarding verification of debt. The collection ignored my requests to verify this debt. This was a credit card debt that is in dispute. Multiple times I asked XXXX XXXX to provide verification. They chose to add fees and then sell the debt to LVNV. I have never received any verification from this agency and ONTOP OF MULTIPLE PHONE CALLS ALL DAY AND NIGHT FROM THEM. They never validated debt to me and are in violation of FDCPA and now have moved on to sueing me in small claims. I have sent letters requested LNVN to provide details on how the alleged amount of XXXX was calculated, LVNV has been reporting this balance against this account to all credit reporting agencies on my credit report When I started this dispute the balance was under {$500.00}. Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the LVNV is not authorized to collect interest unless it is authorized, I request LVNV to provide a contract from original creditor stating that LVNV is authorized to collect interest on this account. As per evidence presented above LVNV has violated FDCPA

Company response to consumer: Closed
Consumer complaint received 2022-02-11
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reason to believe that AD ADSTRA RECOVERY SERVICEXXXX is " parking debt '' on my consumer report in an attempt to coerce me the consumer into paying a {$1600.00} debt that I don't owe and has been doing so since XX/XX/2018. I've tried to remedy this situation through the process of disputing the alleged debt, but there was no " reasonable investigation '' done on behalf of AD ADSTRA RECOVERY SERVICEXXXX or the three consumer reporting agencies XXXX, XXXX, or XXXX. Running a consumer report through the " XXXX '' automated system does not constitute as a " reasonable investigation ''. I demanded " to see '' verifiable information such as, chain of custody, purchase agreement, bill of exchange, original documentation with my wet signature in " blue ink '' not a " carbon copy ''. None of which were provided to me after the conclusion of the automated investigation. So how can this alleged debt be valid or verified? 

Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. 

Per the Federal Trade Commission : Just what is debt parking? Its the practice of placing purported debts on consumers credit reports without first attempting to communicate with the consumer about the debt. Some call it passive debt collection, but theres nothing passive about the injury it can inflict. Consumers often dont learn about it until a mortgage company, prospective employer, or other decision maker pulls their credit report and spots what appears to be an unpaid debt. With a house, car, or job in the balance, many people feel pressured to pay up even though they may not actually owe the money. 

Me and my family have suffered severely due to this inaccurate, erroneous information being reported on my consumer report. This has damaged my character, my reputation, and my general mode of living as well as my ability to obtain credit for personal and house purposes. 

15 U.S. Code 1681- Congressional findings and statement of purpose U.S. Code ( b ) Reasonable procedures It is the purpose of this sub chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter. 

Now how are these kinds of deceptive tactics " fair '' and " equitable '' to me the consumer? 
I believe my consumer rights are under attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Checking accounts have been opened without my authorization on two separate occasions over a 2 week period at Bank of America. 

Bank of America states that they can lock my account and prevent new accounts from being opened fraudulently, but can flag the account. This has happened 2 times and the process to report the fraud and close the fraudulent account takes 3+ hours with endless phone prompts and wait times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Last week I received a Wells Fargo Debt card. Yesterday I got the pin for the card. 
Problem is I don't even have a Wells Fargo account. 
Just saw on the news there might be sanctions against them because they creating accounts that aren't there. 
XXXX tried to call them but they said we don't do this and then got hung up on ....

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 2022-02-11
Company: Conn's, 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 information incorrect

Complaint:
Social Security Card has been stolen once and lost 2 times within the last couple of years. Addresses on my credit report are addresses that I have never lived or reported. Unaware of the addresses that are displayed on my credit report and Conns loan. There is also a soft inquiry that is showing on my report that I have no information about and was unaware of the inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Alliance Collection Agencies, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Alliance Collection Agencies , Inc. sent a letter dated XX/XX/, indicating that I owe an amount of {$200.00}. I replied with a certified and returned receipt letter on XX/XX/, for Alliance to validate the debt, but never received a response. 

Alliance sent a second letter dated XX/XX/ XXXX  for the same amount of {$200.00} without response to the first letter dated XX/XX/ XXXX They completely ignored my request. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request a validation of the debt. This is a violation of the Fair Debt Collection Practice Act and validation is required by Federal and State law. I have attached both letters in this complaint with the certified receipt number. 

In addition, I requested Alliance Collection Agencies to provide me with all of the information in both letters I sent. This is to provide me with the agreement and contract with my signature and validation of HIPAA with my signature. They ignored my request for the second time. I examined my credit report on XX/XX/XXXX and Alliance Collection Agencies reported inaccurate information to the credit bureaus ; XXXX, XXXX XXXX XXXX which is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Other

Complaint:
Since Synchrony Bank took over XXXX XXXX XXXX account, Their policy is use credit card in XXXX is 14 days limited In past under XXXX, I have been gone XXXX for more than 14 days my trip is XXXX XXXX to XXXX XXXX which is 21 days I checked there is no government policy on limited days in XXXX only Synchrony Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Multiple transaction over the last several months on my Chase Sapphire Reserve card did not accrue the stated benefit of 10 points for {$1.00} spent on Chase XXXX, as advertised. The amount that this affects is over {$500.00}. 

I have called to resolve but they said they will escalate the situation but I have not heard back from Chase.

Company response to consumer: Closed with explanation