BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: GA
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony Bank, during the month of XXXX 2015 closed my Walmart Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Walmart Credit Card account has been closed due to returned payments. The referenced returned payments were additional payments on the account ; any and all payment that was due for the regular monthly payment were never returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Year XXXX, I activated a credit card through American Eagle with a co-signer, my ex fianc, because I had no credit at the time. I was on time for years paying my monthly payments. My total amount due always lingered around {$2000.00} no matter what I paid due to the fact the interest rate was so high it seemed as though I could never get it paid off. I cancelled my credit card maybe a year after obtaining it. I was still just making payments monthly or as I could. I was in a domestically violent relationship with my co-signer who I was living with at the time of activation of this card until I moved out at the beginning of XXXX. I purchased my own car right before moving out, having to do this behind his back so I could get out of this abusive relationship. Once I moved into my house that I rent, in XXXX XXXX, I was now responsible for a car payment, house rent, cell phone, lights, gas, groceries ; things I was not having to purchase before because he controlled every aspect of my life against my will. He made statements that he would pay this credit card off, at the time he had his XXXX for 15 years and was very successful, I was a struggling college student trying to get into XXXX and working at $ XXXX. It became impossible for me to be able to keep up with the payments and intrest rate of 26 %. I was accepted into the XXXX in the XX/XX/XXXX. I had to get student loans, I was not eligible for financial aid, I was going throught emotional stress, my hours at work had been cut in half. it is impossible to pay off this debt especially when someone else was the main user of this credit card besides myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Have made contact with collection company several times. They are very aggressive and refuse to verify the debt. Send them a certified letter on XXXX XXXX, 2016 that they received on or about XXXX XXXX, 2016. Have received no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: FC HoldCo LLC
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a car in XXXX, which was financed with Flagship. When my first payment was due I established a user name and password on their website to process my payment. I processed the first 4 payments online without any issue. Then sometime after that I missed my payment by 5 days, which I requested to have my payment changed to the last day of the month, as that is when I get paid, and Flagship informed me that it is their policy to not accept any payments between the XXXX and XXXX, as I tried to login to make a payment I received a message that my login for online banking did not exist and I needed to call customer service. I called customer service and was informed that customers that are 1 day late are locked out and have to call customer service to make a payment. The caveat to making a payment with customer service, is you have to pay a {$10.00} processing fee. Now I realize I was late, however, most banks do give some type of grace period and even if there is a late fee you are not locked out of online payments. Recently Flagship changed the way they allow you to process payments. Now you have to login through the XXXX portal ( one option anyway ) and pay {$2.00} to process any payment. You no longer can just login and make a payment online with out some type of processing fee. It seems unfair that Flagship charges a fee regardless if your payment is on time to use they online system and if you call to make a payment, you no longer have to pay {$10.00}, but you have to pay the {$2.00}. If you elect to have reoccurring payments automatically out of your account there is no processing fee. So basically unless you sign up for reoccurring payments, you pay a fee to make a payment. 

Is it legal for Flagship to lockdown the XXXX - XXXX ( XXXX ) for payments? 
Is it legal or fair for Flagship to charge a fee for online and telephone payments? 
Is it legal or fair for Flagship to lockdown access to online payment processing when you are one day past due? 
Was it fair for Flagship to remove the option of making an online payment without having to pay any fee? 
I would like Flagship 's policies and procedures and reviewed for appropriateness. I feel this is unfair and deceptive acts and taking advantage of consumers with less than perfect credit.

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 2015-08-16
Company: Seattle Service Bureau, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I responded to an online Ad for a free consultation with XXXX XXXX. I had an appointment and signed an agreement to accept their services. Their contract has 3 days right of recession which I exercised to cancel. Based on my understanding and calculation 3 days cancellation rights ended on 3rd business day from the time I signed not including week-ends. I was not aware or told they include Saturday as their business day. After few attempts to collect the full amount and my refusal to pay for unearned services they reported the incident to the credit agencies. Their actions have tarnished my credit rating unfairly and unjustifiably.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from the debt collection agency PORTFOLIO RECOVERY ASSOCIATES, LLC stating I owe a debt in the amount of {$3300.00} that was owed to original creditor XXXX XXXX and merchant XXXX in which PORTFOLIO RECOVERY ASSOCIATES, LLC is the current creditor of this debt owed. I did not take out any type of credit with these creditors stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I sent Portfolio Recovery Associates a dispute letter about the debt that they are attemlting to collect being past the statute of limitations for Wa state for open ended credit accounts In the last paragraph of the letter sent it stated to cease all phone calls and use mail to let me know that the matter had been settled They called my cell phone no less than 5 times after that and sent a letter stating that I did not provide enough information to dispute yet they continue to provide the information to verify this everytime I dispute this. The company knows that the debt is zombie debt that needs to be removed from my credit file. It is more than 3 years since the default date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back on XX/XX/2020 I saw 2 duplicate charges of {$210.00} on my credit card. I did not recognize these charges so I called the fraud department. They closed my credit card account and issued me a new one. Meanwhile I realized what these charges were and called the merchant ( XXXX XXXX ) to give them a new credit card number and then called the fraud department of my credit card to let them know I recognized them ( although I only meant to purchase 1 item ). They sent my duplicate charges to the dispute department where I have been fighting these charges for 4 months. I did not receive these two items since I paid with them with another credit card. I have jumped through hoops trying to get this resolved with no progress whatsoever. I am so totally frustrated. At one point I was on a call with them for over two hours only to be disconnected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017, ENHANCED RECOVERY COMPANY , LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY , LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 recently sent letters over 60 days ago. To this bureau or bureaus and they are disregarding a regular consumer disputes Im stressed and have been sending letters before this and still no response.

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 2015-04-03
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: APR or interest rate

Complaint:
I signed up for a Barclay XXXX Credit card. 
The T & C 's presented during the sign up process and the T & C 's of the card I received had a significant difference : the APR on the card is 24.99 % but the advertised APR was 15.24 % or 18.24 % when you open your account, based on your credit worthiness. 

I called Barclay customer service on XXXX to have the " Bait and switch '' resolved. They said I would have to file a written complaint and provide documentation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Complaint BARCLAYS XXXX XXXX : BARCLAYS claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I put BARCLAYS on notice. 

I gave BARCLAYS an OPPORTUNITY TO CURE. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do not owe a debt and the ALL CAPITAL LETTERS name/DEBTOR, aka the legal fiction STRAWMAN, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as an open-ended Letter of Credit and therefore collateral to off-set and balance any alleged debt initiated by the alleged DEBTOR account, which is a TRUST account, aka the XXXX XXXX  XXXX ' Trust, aka the XXXX XXXX XXXX XXXX making I the ORIGINAL CREDITOR of any transaction that took place. BARCLAYS never gave, or offered, due interest to the XXXX XXXX, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the 2 signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ).

SECTION 2 : BARCLAYS has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : 1. BARCLAYS admit that I am the original creditor and source of the credit being utilized. 

XXXX. BARCLAYS leave account # XXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ).

3. BARCLAYS reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). 

XXXX. BARCLAYS pay for all fees and fines associated with this matter. 

XXXX. BARCLAYS pays me {>= $1,000,000} in damages. 

XXXX. BARCLAYS is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.

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 2021-03-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I did not authorize these accounts to be open. These accounts are fraudulent. 
On my credit report. XXXX, Experian, XXXX  XXXX on XX/XX/XXXX amount : {$450.00} XXXX XXXX on XX/XX/XXXX amount : {$700.00} XXXX XXXX XXXX XXXX on XX/XX/XXXX amount : {$1300.00}

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 2015-07-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do n't remember getting this card. They keep calling to collect an outstanding debt. They said I purchased something fro {$32.00} that is now up to {$170.00} because of non payment. They ca n't tell me what I purchased because it was passed on to a collection agency. Maybe somebody stole my info. Every time I think I 'm getting some where with debt collectors over the phone it hangs up. I have to pay the minimum amount do to see what was purchased.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-19
Company: BB&T CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I logged in to view my online banking and the top of my account listing it welcomed another person with their account information. 
BB & T Corporation ( Branch Bank and Trust )

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 2015-06-09
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am still being harassed by Navient. I left a reply to the message that they sent to me with XXXX. I told them in the XXXX reply that I would mail in the payment. I got a call and told the collector on the phone I mailed in the payment. They took away my forbearance, that they set up so that I could skip a payment. Now, calling my house XXXX times a day and on Sunday. 
I have contacted the Omnibudsman and left a plea for help. They cut off my auto pay XXXX times an then when I tried to set up the payment a XXXX time, the collector " accidently ' keyed in the wrong account number. 
They will not let me go into the website and make a XXXX time payment. I keep getting collectors with the wrong information and they do not seem to know what is going on. I am not receiving correct information, I have stopped trying to answer my phone and put my loan on auto pay. 
I am being charged interest on being late, so that they can make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2021, THE CBE GROUP INCXXXX  add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THE CBE GROUP INCXXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation