BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Its stated that my balance has increased over {$1000.00} which affected my credit negatively. But I pay consistently on time. And I am not in bad standing.My credit score went down 31 points!

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Account # XXXX {$450.00}, 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. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-03-24
Company: JPMORGAN CHASE & CO.
State: CA
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:
I had put a charge on my chase freedom card on XX/XX/XXXX for XXXX for a XXXX charge. When arriving to the property with my family ( a member who is on active XXXX treatment and very susceptible to illness ) the house had not been cleaned from previous guest. The sheets were dirty, dishwasher filled with smelling dirty dishes, ice maker in freezer broken and leaking onto the floor. Surfaces in house sticky with crumbs. The dishwasher had not been started by the previous guest because it was broken and would leak on floor when started. We had to hand wash the dishes through our stay. I spent the first 2 hours of our short vacation cleaning the cabin to make sure my mother had a clean area. where we were not worried she could contract a XXXX XXXX XXXX. since on XXXX treatment that could be detrimental. I had spoken with the property manager at the time and was told " that is odd '' and that he will follow up with the owner about the broke appliances. He not once addressed the disarray the house was in. After our stay I called the property manager again getting no where so I called the company XXXX who told me that they cant help me. So my last resort was to dispute these charges for the cleaning fee with my credit card chase under the idea that services rendered were poor or not as described in the listing. Chase said because we stayed at the property instead of packing my family up and driving 3 hours back home they can not help me. After reading the Fair credit billing act its my understanding that I have some sort of recourse for poor service. They dont seem to think so... so I am reaching out to see my next options on getting this handled because my credit card company won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Other fee

Complaint:
On XXXX/XXXX/15, we received our credit card statement for an annual fee. We had no other balance on the card. I contacted the company on that date and told them that we 'd been customers for years with solid credit and that I would like the annual fee removed. The Agent agreed immediately and said he would remove the fee permanently and that it would take 5 days to show up as deleted on our online account. On XXXX/XXXX/15, the charge was still listed on our online account and I called and spoke to another person ( I have all the badge numbers for those I spoke to ). This person apologized and said that it really would take 7 to 10 days from the original conversation to be removed but that our account was showing that the fee was removed permanently. 10 business days from XXXX would have been XXXX at the latest. On XXXX, 1 day before the payment of the annual fee was due, it was still showing up on our online account. I called to cancel the card completely. The person I spoke with said that the annual fee was part of my signed agreement. I asked her if she was implying that I was in breach of contract and she responded that she had n't said anything of the sort. She said my account was showing that there was no annual fee but that she would need to contact her technical support people to check our online account. I told her I thought that XXXX was hoping I would pay the annual fee prior to the due date to avoid penalties and the such. I told her I would not cancel the card if she sent me an email saying that my account was changed to a no annual fee account. She refused. She said I needed to fill out the 'Contact Form ' on their website which I 'm certain says they have 48 or 72 hours to reply. Any answer would have been beyond the due date. I cancelled the card at that time and received a cancellation code. It is unfortunate XXXX found it necessary to play games with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX XXXX '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I had the loan since XXXX with payment of {$530.00} monthly and still paying on the loan in XXXX because interest rate is higher than the legal amount. Interest rate is 23 % which only knocking off a couple hundreds a yr. I had a deferment not knowing it made my interest rate go up higher than on the original loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Experian publishes False statements about the Law and the legal system ( workers ) run with it. The banks do not mind. This put a lot of people into situations where under pressure they agree to contracts in courtrooms, which are invalid. 

Because Experian and the Banks are misrepresenting the law. 

Example. 
XXXX " difference between write off and charge off '' The first link gets it right " A write-off means your creditor has forgiven your debt, and you no longer owe any balance to them. A charge-off, on the other hand, is bad news '' The third link gets it right " A charge-off and a write-off sound like two ways of saying the same thing, but they're actually two very different things. '' The second link, Experian, gets it wrong " Charged off and written off mean the same thing. '' Nowhere in the Civil Code does it say that a write off and a charge off are the same thing. 

And yet banks, like XXXX and Credit Bureaus, run with it. 
They write off debts, on paper, collect tax breaks because these are now losses on there XXXX which they file with the SEC but then they hire private contractors stating that the accounts have been charged off. 

When in reality they were written off. But they charge them off as well, to collect even more money because they're entitled to double dip and invent the law and intimidate people who are vulnerable. 

This is a racket. 
An account can not be written off and charged off.

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 2017-03-20
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: APR or interest rate

Complaint:
I was not properly informed by Synchrony Bank to pay the interest free balance with the extended period on 30 additional ; day. I did not receive a bill in the mail neither was informed by the representative during the previous months call. I believe that the interest should be waved and they accept my payment and close the account.

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 2016-10-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I had bought XXXX items on promotional interest rates from XXXX which is Synchroney Bank. Well all the payments I have made to them none of the money has gone towards the promotional balances. The representative informed me that I was billed {$210.00} interest from XXXX of the promotions expiring & if I wanted any of the payments I had made to go towards the promotional balance I would of had to specify at the time I made the payment which was done through the automated system because if you do a payment through the representative it will cost you an extra {$10.00}!!! It also DOES NOT give you any option to allocate where your payment will be applied over the automated system which of course that 's what I use because it 's FREE!! They are horrible!! The customer service team hung up on me while I was trying to plead my case against the {$210.00} interest tacked on to my bill because they were n't applying my payments to that promotional balance! Then when I called back they kept me on hold 20 min. Horrible Horrible Company!! I cancelled my card since then & will never do business with them AGAIN!!

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 2016-10-04
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Unauthorized hard inquiries by barley bank and XXXX I made no applications to either of these need them removed lost XXXX points on my 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 explanation
Consumer complaint received 2022-07-19
Company: Bread Financial Holdings, Inc.
State: NY
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX COMENITY CAPITAL BANK XXXX XXXX XXXX XXXX, OH XXXX Re : XXXX XXXX XXXX XXXX Comenity Bank BJs My Perks MasterCard You have not responded to my previous dispute, and you continue to disregard the terms and conditions of your User Agreement. On XX/XX/XXXX, I made a purchase at the XXXX XXXX, NY BJs in the amount of {$110.00}. Please review the attached copy of both the BJs online receipt and your transactions and statement records for this purchase. Despite the terms and conditions on the Rewards applicable to this card, you are not tracking, processing, or crediting these Rewards accurately since XX/XX/XXXX. This was compounded with further insult when your online services list an award having been redeemed for - {$10.00} on XX/XX/XXXX, when the BJs receipt clearly shows no such award was used. Correct this error, re-credit me the incorrectly adjusted {$10.00} Reward, correctly accumulate and allow the use of all Rewards, and honor your terms and conditions! 

This is the most outrageous behavior I have ever encountered with accredit card and bank. It is 1 month since you started your online update, and your customer services, records, and processing are all still completely whacked the XXXX out! Get a grip! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: OH
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:
On XXXX2020 I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery placed account # XXXX into collections without giving me proper notification of this debt. I sent in a letter requesting that send me proof this is my account and was later sent statements. This account was opened illegally by a relative that is now in prison for fraud. Because of the fraud that said person even went and filed bankruptcy without my consent. This has caused horrendous damage to my credit and has cost me business opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
I made the mistake of opening a Lowes credit card and it has been a nightmare ever since. They charged me late fees on items that were NEVER PICKED UP and Lowes was notified that I was canceling the order and now they are reporting that my account is XXXX days late? I used this card ONCE and it will NOT GO AWAY. They started me out with a {$500.00} limit and because I had not noticed that the inept people at LOWES did not process a return when they should have they reduced my limit to {$100.00} further damaging my credit. I do not owe late fees for a balance resulting from RETURNED items.

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 2022-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
On XX/XX/XXXX I made a purchase on the store " XXXX '' for {$480.00} The merchant never sent the items bought and after a few weeks they close the shop and also the phone number and email contacts. The closed all the business leaving me without the goods.I subtmit a claim to my bank but they never requested me more information about the case also never informed me the status. 
Now 2 days ago I can see that the credit was reversed and the calim was denied without any explanation.

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 2020-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts nor did I authorize these merchants to conduct an inquiry. Also, there are names and addresses that I don't recognize on my profile.

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 2017-05-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/XXXX To : Consumer Financial Protection Board From : XXXX XXXX XXXX CC : PayPal/XXXX California Attorney Generals Office Re : FAILURE TO PAY FOR GOODS, WITHOLDING FINANCIAL INFORMATION, FAILURE TO CLOSE ACCOUNT AND ACCOUNT UPGRADED TO LIMITED ACCOUNT WITH NO USAGE Dear CFPB : I am experiencing extreme frustration with PayPal.  I have made purchases though XXXX, and PayPal is refusing to pay the sellers for items I have won via auctions when they have deducted the monies from my bank account. PayPal is stating that I have had a high usage of my account and are now DEMANDING a copy of my drivers license, utility bill, bank account statements and my credit card statements. This is after having an account since XX/XX/XXXX, the items are being sent to my home address and I have called them from my cell phone, the  phone number they have on record since XX/XX/XXXX and they have my social security number which all makes my account verifiable. PayPal is bullying me by restricting my account. They will not allow me to close my account or delete my financial information. This is ridiculous. I am an unhappy consumer with this business and they are holding XXXX my financial information and I want it deleted from their databases. PayPal has been accused of having ties with XXXX and have been hacked XXXX only knows how many times. So, why on XXXX green earth would I give them all of my financial information when they cant even protect their own? Just unbelievable! Due to PayPals negligence I am now being harmed and have incurred damages. Sellers are filing complaints with XXXX and writing negative comments about me for the public to see. PayPal is cancelling payments that were scheduled when I won auctions and the sellers are angry with me over something I have no control over. XXXX will be closing my account if I continue to receive these types of complaints. I have a 100 % rating with XXXX and that is being threatened by PayPals actions and inactions. I am requesting that your office conduct an industry standard investigation into these allegations and sanction PayPal as necessary. I have read numerous complaints about the same thing and this is unacceptable. Thank you, XXXX XXXX XXXX Enclosures : Bank Statements and PayPal Account Info

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Other

Complaint:
THERE IS XXXX INQUIRES ON MY CREDIT REPORT. AND WHEN I CALL BARCLAYS BANK DELAWARE THEY HAVE FAILED TO SEND ME PROOF THAT I MADE THE INQUIRES

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Self Financial Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX SELF LENDER is a predatory scam. They represented themselves as a credit rebuilding program where you can deposit monthly into a account & once your funding goal was met, they issue you a secured card for that amount. No where did they say that I could not opt out if the deposit amount was unmanageable, nor did they state that it would report negatively on my credit report. I emailed to close the account, and received no response & now I have them on my credit report as a derogatory mark for a closed " secured loan '' that was closed with financing that I had deposited myself. In short, they represented themselves to rebuild credit, then became unreachable, took my first months payment then marked me late for two months with no response & kept my money when they close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: Continental Finance Company, LLC
State: TX
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:
Sent letter to XXXX/CONTFIN notifying them that my XXXX  credit report showed an unauthorized hard inquiry they had made and that I was not aware of. I requested that these inquiry be removed immediately this inquiry has been cited as a reason for me to receive credit. I also sent a copy of my credit report showing the inquiry. The letter was sent to the following address : XXXX/CONTFIN XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, DE XXXX

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