BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-20
Company: Insight Capital LLC (NV)
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX called me today XX/XX/2018 about XXXX XXXX and a guy named XXXX XXXX claimed I owed on two payday loans from the past. I told him I do NOT have any pay day loans out from the past, and that the one I do have out is current and I am paying on it. With his bad attitude, yelling in my ear and being rude and demanding, I accused the company of being fake and scamming me, telling him again I do not owe the depts. He got angry and told me it is a crime to not pay loans and scamming payday companies, or something to the affect. He said I was going to be taken to court for these depts. I then spoke to another woman who was very nice and tried confirming my information - SS number, bank, etc. but I refused to give that information up. I was told I owe two loan companies. One being Insight Capital WHICH I HAVE NEVER HEARD OF - in the amount of {$2600.00} or so, PLUS {$1000.00} fees for something else. I laughed and told her they weren't getting a dime because I don't owe anything like that. She switched me to the fraud department and I spoke to a man named XXXX XXXX who was nice until I told him I am contacting a lawyer and was not paying this dept. He started telling me they were taking me to court, going to garnish my wages and he started yelling at me. I just told him to " GO FOR IT '', and he hung up. 
I was asked if I had a lawyer or not. 
PLEASE PLEASE report this company and let me know if they are legit or not. I believe it is a scam and as I said, DO NOT owe any of these depts or loans. 

They are very rude, and nasty - and if they don't get what they want - they scream and get angry, VERY UNPROFESSIONAL. Please investigate.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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:
In 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. 

Account name : # XXXX XXXX XXXX XXXX  Account name : # XXXX XXXX XXXX  XXXX XXXX. Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX Account XXXX XXXX # XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX  Account name : # XXXX 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 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 2022-11-26
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was using chime more than one year. I have all my paychecks that i deposited into chime account. I talked to their customer service and they did not give any information why they suspended my account. My checking account balance was {$68000.00}. I sent all my documents to their emails and no body was responding to me. They kept my money by force. Because they dont want answer why they suspended my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX dealership financial me a car {$16000.00} total to {$20000.00} .I made a down payment {$5500.00}. I left with {$14000.00} of 36 month payment. I have been calling Westlake Financial about record of my payment history. Finally today  XX/XX/XXXX I receive a email of my record and what I own left to pay my car off was a total of {$31000.00}. I was surprised in shock of this Cardealer Fraud me for months that I never have know this. First thing I called the financial about the bills the only things Westlake Financial could explain for me to deal with XXXX. that why I'm here today. I know this for a fact that no one will buy a XXXX car total to {$31000.00}. I rather will just Finance a XXXX cars for that amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-03-21
Company: Experian Information Solutions Inc.
State: VA
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:
Experian refuses to remove collection account from credit report after documentation was sent in XX/XX/XXXX from company and myself

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: Santander Consumer USA Holdings 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 status incorrect

Complaint:
I paid this fraudulent loan and fee balance off in XXXX. They reported to credit agencies in XXXX that I did not pay in full. They also reported untrue information about my payment history, making my credit score drop 83 points! I am also filling another complaint about the fraudulent loan practices and so called late fees this company engages in that have ruined my credit in the past. This company need to be investigated for its dishonest practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: FL
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:
I have attached an FTC report with fraudulent collections and fraudulent inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Bank Of America is reporting a negative balance of {$1100.00} debt on my credit reports which doesn't belong to me, first reported on XX/XX/2018, I've never opened an account with them.

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 2023-03-17
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wow sold a account that they are saying is mines but it is not to EASTERN ACCOUNT Systems! This account does not belong to me!!!!! I filed an identity theft report on this said account that is reporting on my credit report TWICE!! ( THAT IS ALSO ILLEGAL )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: WI
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:
Equifax is reporting a closed collections account with the XXXX XXXX XXXX. I have no affiliation with this company. My relationship and debt with XXXXXXXX XXXX was remedied directly with XXXX XXXX. There was no debt available for XXXX to purchase this is a fraudulent report on my credit I have paid no money to XXXX and have no relationship with XXXX. This fraudulent report must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27
Company: EMCC Holdings, LLC
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 was told I could not buy a house because I had a bad debt on my credit. I did not know what the debt was for as I have paid all my bills on time. After looking at the credit report I found something from XXXX  XXXX saying I owed a big debt, I didn't owe them anything and so I sent a dispute to the credit agencies ( XXXX, XXXX and XXXX ). A few months later I had gotten notice that another account for the same thing was put on my report. This new account had different information about the amount and the dates, so I knew it must be fraud. I completed an Identity Theft form and sent it to the credit agencies ( XXXX, XXXX and XXXX  ). Everyone except XXXX has removed both of these collections so I am not sure why XXXX is not doing it. They need to remove it because I do not owe XXXX XXXX and I don't have any idea why they have put 2 accounts on my credit report when I don't owe them anything. They are a fraudulent company and they should not be doing business like this. This is ridiculous and I have been working for almost a year now trying to clean my name and XXXX is not doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2015 a credit card account with XXXX XXXX XXXX was fraudulently opened in my name. I learned of this account after receiving a collections notice from XXXX XXXX XXXX ( a collections company ) requesting payment. I do not, nor have I ever, held an account with XXXX or XXXX XXXX doing business for XXXX. I have not, nor have I ever, authorized use of my name or personal information for incurring a debt with XXXX or any other debtor. 

Upon speaking with a XXXX XXXX XXXX representative, I learned this account was created on XX/XX/2015 and a purchase was made in the amount of {$990.00} in XXXX XXXX, CA which I have no knowledge of. The past due balance after no payments were made is {$1100.00} as advised by XXXX XXXX XXXX. The address on the account is not, nor has it ever been, my residence. I learned of this address from the XXXX XXXX XXXX agent and she advised it is XXXX XXXX XXXX, XXXX, TX which is an address I am not familiar with. I did not, nor have I ever, made a purchase via XXXX in any manor or a purchase in, or shipping from, XXXX XXXX, CA. I have tried numerous times and numerous numbers ( listed below ) to reach XXXX and every representative has said this account is non-existent and will not give me any further information. I have tried in excess of 17 different phone numbers ( or transfers ) for XXXX and have reached no resolve. In addition, XXXX will only give information after providing the email address on file to which I do not have an email on file with XXXX. 

The fraudulent account is showing on all 3 of my credit reports and hindering my ability to get a mortgage. I have spoken with XXXX XXXX XXXX which was the collections agency associated with the account and they determined the account was fraudulently opened and removed their reporting from my credit history ( see attached letter ) ; however, I can not get anyone at XXXX to acknowledge this account even exists or to remove it from my credit report. 

My resolve would be to please remove this account from my credit history and provide a letter in writing either by email or mail stating such intent. I certify the representations made are true, correct, and contain no material omissions of fact. 

XXXX Numbers I have contacted, but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX my account and card was working fine. The next day I couldnt login to my account. I didnt receive a call nor email. The bank just blocked me out of my account. I called and they told me my account was being closed. The representative didnt know why. She said it usually because of a check, but we both acknowledged I didnt deposit a check.

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 2018-05-01
Company: SYNCHRONY FINANCIAL
State: MI
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:
On XX/XX/2017 I applied for the Synchrony Stash Rewards Hotel Credit Card. They advertised a promotional bonus of XXXX Stash rewards point after {$3000.00} of spend was met within 90 days. I applied for the card and was approved for the offer, but only received XXXX bonus points. 

Synchrony says that the XXXX offer was only meant for targeted users in an email, but I read the fine print on the application and no where did it say that. 

Numerous attempts calling Synchrony have not provided a resolution. Initially multiple reps said that they would issue the XXXX points at a later date. This never happened. Now they say I was not targeted for the offer and will not receive an additional bonus. They also did not provide any proof that I was not eligible due to the terms and conditions. 

This offer was publicly available on XXXX 's website, the application page did not ask for a special code, and the application page stated the terms would include XXXX points. Synchrony is not honoring their terms at the moment.

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 2023-06-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XXXX, XXXX of XXXX, I attempted to have items that I observed as incorrect ; corrected or removed from all three ( 3 ) credit reporting agencies. XXXX and XXXX has since updated the information in question however Equifax has yet to update the information correctly or remove said information in its entirety. The information is as follows : XXXX XXXX # XXXX EQUIFAX reports account as a charge off. This information is incorrect since the account has been reported as Paid off and subsequently closed. 

XXXX XXXX XXXX  : # XXXX This account also reflects a " CHARGE OFF '' when in fact this account was also declared " PAID OFF FOR A SETTLEMENT AMOUNT ''. 

See the attached credit reports reflecting the inconsistencies between the XXXX and XXXX reporting similar information and EQUIFAX reporting incorrect information. 

The following credit reporting agency, EQUIFAX, is not in compliance with the Fair Credit Reporting Act 15 U.S.C 1681. 
As described by the following : ( p ) The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information.

( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business.

in addition : 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: Carter-Young, Inc.
State: FL
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:
15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe -- These accounts are being reported on my credit report unlawfully : CARTER-YOUNG INC ( AccountXXXX ) collection opened XX/XX/XXXX XXXX  XXXX  ( XXXX ) collection opened XX/XX/XXXX XXXX  XXXX  XXXX ( XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) account opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I'VE CALLED SEVERAL TIMES TO TRY TO CLOSE MY CARD BUT I KEEPING GETTING CONNECTED TO A BUNCH OF NON-ENGLISH SPEAKING XXXX!!!! CLOSE MY ACCOUNT IMMEDIATELY!!! THE MONEY YOU STILL OWE ME WILL HAVE TO BE MAILED TO ME BY CHECK YOU INCOMPETENT PIECES OF 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 non-monetary relief
Consumer complaint received 2021-07-30
Company: Javitch, Block & Rathbone LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I owed a car loan debt with XXXX XXXX XXXX and I didnt know they sold the debt to javitch block & rathbone llp, The way I found out was through my bank because I have been trying to pay my rent and everyday necessities and My bank told me that ones that froze my bank was XXXX law firm a court appointed receiver. Javitch block now this people claim I owe them but the debt is not with them I dont owe anything to javitch block and XXXX XXXX. I did not get any paper work saying they are suing me or any type of notification they have violated my rights. I want this matter to be disputable and corrected.I never sued with proper documents or proper service.

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