BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I asked for portfolio recovery associates to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hello. I received a Visa Prepaid Rewards card serviced by Bank of America in the amount of {$1000.00}. This was provided through a company called XXXX. The card expired XX/XX/XXXX, however i still had {$150.00} in value on the card. I called Bank of America to have the funds transferred to a new card or check and was told by several representatives including supervisors that the funds were forfeited to Bank of America and that there was no way to request the funds back. My understanding is that there has been a law in place since XX/XX/XXXX via FTC that funds can not expire and there must be a way for the consumer to retain the funds on a gift/rewards card. Thank you for your time.

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 2015-08-07
Company: Firstsource Business Process Services, LLC
State: NV
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:
FIRSTSOURCE ADVANTAGE LLC seeks to advance collection for XXXX XXXX XXXX for an alleged XXXX XXXX XXXX debt which is non-existent, not based on a final judgment, and beyond the California Statute of Limitations of four years for a contract debt. 

The debt collection is barred by the statute of limitations and enforcement is illegal. 

Researching the matter required the use of a California Licensed Investigator which resulted in a cost to me of {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX Experian- XXXX- Several inquiries reported last year in XXXX that were not authorized, I submitted a letter in writing but was unable to get any resolution.

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 2022-11-13
Company: Upgrade, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Company Name : Upgrade Inc.

Company website : www.upgrade.com Company profile : Upgrade is a financial technology company, not a bank. Checking and savings accounts provided by XXXX XXXX XXXX XXXX type : XXXX, XXXX company I opened a reward checking account with Upgrade Inc. on XXXX and on XXXX, I received an email from them saying my rewards checking account has been suspended and debit card was closed. When reaching out to their customer support for account closure reason, they just told me it is the underlying bank decision. I was also told the account closure may take 60 days. 

At the time of the account closure, I have {$1400.00} balance on my account and I also earned {$68.00} in the month of XXXX. 

It has been XXXX weeks since my account closure and I have had ZERO communication from the company regarding my account balance. 

I know these XXXX company always say they are NOT a bank so they don't need to follow strict banking rules. When dealing with consumer asset, they have more leeway on whatever they want to do. 

I want to make other consumers and CFPB to be aware of the situation so they don't fall victim of such treatment. 

I would like to get an explanation on why it is taking so long to get a refund check when consumer account is closed by the XXXX XXXX and how much longer I should be waiting to get my balance back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a Barclays JetBlue credit card. I received communication from Barclays that they needed more information from me to establish my identity ( social security card, etc. ), which I sent to them. I never received any further information from them by mail about the status of my application, nor their reason for denying my application. I mailed a letter to them two months later asking again for status and reason, but have not yet received any reply. If my application was denied, they never gave me a reason for the denial, nor told me directly about the denial.

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 2022-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
Demanding that these fraudulent accounts to be remove immediately. This is violation of my consumer rights, and defamation of my character. I did do any busy with this company and I didn't give prior consent to contact me and I am requesting for Portfolio recovery associates to cease and desist. Attached is the ftc report Portfolio recovery associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I bought an air condition from XXXX XXXX 2 years ago by their credit card controlledby synchrony bank finance and then the bank added the interest of {$830.00} for abalance of {$490.00} without any alerts or warnings also I been XXXX that timeI have an approve for that, so I tried to call the bank too many times to pay the balance and waive the interest but they refuse and take my phone number to call me backbut never happen

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been in constant communication with Navient agents regarding my loan status. The lost time I spoke with an agent, and the information provided was that all student loans had been placed in forbearance status until XX/XX/XXXX. Per the office of the President of the US. And so, during this loan collection forbearance period, I was working towards consolidating my loans. However, last week I received a notice from the credit bureaus informing me that Navient reported my loans as delinquent thereby dropping my XXXX XXXX from XXXX to the low XXXX. Needless to say, I immediately went into shock. 
After I recovered, on XX/XX/XXXX I called Navient and spoke with an agent, I explained the reason for the call, explained I was misinformed by Navient, and demanded that the report credit report be rescinded immediately. He was unable or unwilling to assist, thus I am reaching out to CFPB for support and assistance in order to resolve this issue. 
Thank you : XXXX XXXX, I can also be reached via Text : XXXX I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: ResidentCollect, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt according to the placement on my credit report was from XX/XX/XXXX, my wife and I have never received notice. This was just placed on our reports on XX/XX/XXXX. We have never had a chance to fight it. Tenant/Landlord laws in Florida state that a landlord has only 30 days after a tenant vacates the property to collect damages. Also I have personal proof that this property was rented back out immediately after the landlord refused to cure a 7 day notice. I can provide proof that the landlord allowed race to control a situation and that this debt in illegal under the law. The landlord showed up to the property without notice and told me that it was ok that we were leaving. This was witnessed by myself, my wife and my mother in law. This landlord will lose if this goes to court. You have taken on a debt that is unsubstantiated. F.S. 83.595 states that if the landlord relets the property the tenant is only responsible for the difference between when they breeched the lease and when the new tenant rented.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report. This is hurting my lively hood and I cant apply for anything. I am demanding that you remove this account from my consumer report I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; 1. Enter your request here ; Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

This is hurting my lively hood and I cant apply for anything. This has affected my mental space and stressed me beyond measures that it has caused my mental health to get to it's lowest point. I am demanding that the account with XXXX, XXXX XXXX, and XXXX XXXX be deleted from my consumer 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 2022-11-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO 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 2016-11-01
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Other

Complaint:
On XXXX/XXXX/2016 I purchased a cell phone for XXXX XXXX. At the time I had reservations about service coverage but I was told by the cashier I had 30 days to return the cell phone. I received poor reception in my area so I went to the XXXX XXXX XXXX Walmart to return the phone. Despite having the receipt I was told I could not return the phone because the return policy is 15 days. This is not fair, the phone is in perfect condition, I do not want nor need it, and I was given incorrect infomation from the store employee at purchase.

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 2022-11-13
Company: CURO Intermediate Holdings
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:
AD ASTRA REC {$1900.00} posted on XX/XX/2019 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I received a call from Wells Fargo with a person telling me that they have suspected unauthorized transactions on my debit card in XXXX at XXXX and I live in Georgia, after telling them that was not me in XXXX the person said they needed to shut the card down and would need to send a code to my phone to verify the request. 

After sending the code I read the code back to the person which this is something I've experienced before with Wells Fargo after being with them for XXXX  years so I didn't suspect any fraudulent activity, once I got off the phone with the person claiming to be from Wells Fargo I tried to login to my account and noticed I couldn't because my password had be changed so I called back to Wells Fargo and explained to them about the call I just received and they told me that was not them and they needed to file a fraud claim, then the Wells Fargo representative tells me that a wire transfer of {$23000.00} had been made through my account and I almost passed out so I stopped my work and immediately went to the closet Wells Fargo and spoke with a small business manager. 

Once we were able to get back in my account I saw that a wire transfer of {$23000.00} was pending and the small business account manager told me not to worry because even if the wire transfer goes through they will put the money back in my account well on XX/XX/XXXX I called the fraud department to get the status on my claim and the representative told me my claim was denied because I gave authorization for the wire transfer but I didn't even know about the wire transfer until they told me after I received a call from Wells Fargo with the EXACT PHONE NUMBER that's on back of my debit card that started with debit card fraud at XXXX in XXXX to a {$23000.00} wire transfer.

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 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I sent Transunion a 609 verification letter to verify certain accounts in my credit file and they didn't respond at all.

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 2022-11-13
Company: FC HoldCo LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are unauthorized businesses 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 2022-11-13
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Unable to use Synchrony Bank consumer portal website to view or manage account, including recent purchases and promotions for XXXX different stores. 

Attempted to access the site using XXXX different web browsers, and cleared cookies, but to no avail. 

Notified customer service on XX/XX/2022 through both chat and phone, who informed me that they were aware the site was down and to wait XXXX business days, on top of the approximate XXXX week that I had already waited- this timeline has been exceeded. 

No further notifications received from the bank- until a statement notice was received on XX/XX/2022 for payment due within XXXX weeks. Thinking the bill being sent implied the site was fixed, I again attempted to access my accounts with the bank. However, I am still unable to access my account to verify whether promotional terms have been applied, and any minimum payments due. 

This is simply unacceptable and scammy for a bank that maintains a consumer account management and payment portal.

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 2021-07-28
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: Information belongs to someone else

Complaint:
I sent TransUnion an Identity Theft affidavit notarized concerning a few inquiries on my TransUnion consumer report that were authorized by me. TransUnion has yet to remove the inquiries from my report which is a violation under the FCRA section 605B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I attempted a couple of days ago to obtain my free credit report from Equifax online and received a message to try another time. I tried today and now it wants me to request it in writing with proof of identity such as XXXX, etc. which I do not have! XXXX XXXX and XXXX did provide it but Equifax is making it very difficult!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: MO
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : # XXXX has violated my rights. 
XXXX BANK : # XXXX has violated my rights. 
XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation