BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: Ability Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Ok I call the ability recovery service to talk about paying the payment but I wanted to know what the payment was for, the guy had a attitude and really did not give me much info and I wanted to know what the payment was for before paying it, XXXX is a lot of money to send to a debt collector without checking first who billing me, the guy gave me alot of attitude after asking and even threaten me by saying he would ban my number from calling them, I even asked for supervisor and told me there no supervisor there and he could not help me at all and then hung up the phone and now I am ban from calling this debt collector phone number ( XXXX ) and now this debt is sitting on my credit report and I dont know who put it in and I even called the place that is showed as the ordinary creditor ( XXXX XXXX XXXX XXXX in the credit report and they said there no billing thru there department as far as they know of, so now I wondering what to do since now I cant call them and figure this out since now my number is block from them, I need help figuring it out because I am lost in what to do now!

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 2022-07-07
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX ( Original Creditor : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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
Consumer complaint received 2023-05-10
Company: SUNRISE CREDIT SERVICES, 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:
I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with Sunrise credit services. They did not provide me with the original application like i asked and keep sending me automated responses

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 2023-01-01
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2023-06-13
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 non-monetary relief
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: IN
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX, Account : 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 an account without my written instructions. 
I don't know this company and I never sign any contract with this company. This account is a fraudulent 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 non-monetary relief
Consumer complaint received 2023-01-02
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act, XXXX XXXX XXXX ACCOUNT XXXX, XXXX ACCOUNT XXXX, XXXX OF XXXX ACCOUNT XXXX, XXXX ACCT XXXX, XXXX XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX  ACCT XXXX, XXXX  ACCT XXXX, XXXX ACCT XXXX, XXXX XXXX  ACCT XXXX, XXXX ACCT 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 furnmish a account without my written instructions

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act, XXXX XXXX XXXX ACCOUNT XXXX, XXXX ACCOUNT XXXX, XXXX OF XXXX ACCOUNT XXXX, XXXX  ACCT XXXX, XXXX XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX  ACCT XXXX, XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX XXXX  ACCT XXXX, XXXX ACCT 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 furnmish a account without my written instructions

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 2019-03-08
Company: STATE FARM BANK, FSB
State: CA
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:
on XX/XX/2019 State Farm Bank was deleted but not with XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: NJ
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:
Reports still showing information which I was a victim of identity thief the are still reporting inquiries and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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
Consumer complaint received 2023-05-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My concern is about the auto-pay that I did not approve the Synchrony Bank/PC Richards withdrawal of {$29.00} monthly deduction from my XXXX XXXX XXXX acct . As they had this info. this was the acct. was used to make my payments. I asked for proof off my authorization they could provide me with.. This is my supporting details additional information for my most recent dispute. 
I have been disputing this extra charge for a refrigerator that I did not order in XX/XX/XXXX. XX/XX/XXXX 18-month promotion and sale on refrigerators at PC Richards here in XXXX XXXX XXXX XXXX. where I always made my electronic and appliance purchases. I purchased two refrigerators one for my mom that I paid immediately and one for myself with the 18 month promotion. In XX/XX/XXXX on my PC Richards card also was a charge for a TV that was a six month promotion that I was not advised of the time limit I thought also was part of the 18 month promotion. When I realized that there was interest being charged on my balance. I called the store and spoke to the manager XXXX. As this was the time of XXXX, we spoke about the TV promotion. She extended that six more months so I can pay that off. With this click you will see she added another refrigerator without the extended promo. I believe this was just a mistake that could have and should have been taken care of right away. And or explained to me in detail that this was a correct charge that I was mistaken. I was told many times it was removed but always on my next bill..

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 2023-05-09
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/2023 Dear Sir or madam : This last week I was overcharged on my Direct Express Card to the tune of about XXXX dollars while renting a motel, foolishly I did not seek a receipt upon renting the room ; there could be no reason to have had this happen because the rent for the room is only XXXX dollars a night ; twice out of the 5 days that I stayed at the hotel I was charged over XXXX dollars a night ; on the XXXX and the XXXX of XXXX, a XXXX dollar charge on the XXXX and a XXXX dollar charge on the XXXX ; I have had this problem of overcharges with this XXXX XXXX XXXX Direct Express company many times in the past and frankly I believe this company to be an criminal acting menace to the society with many methods of making the complaint and verification process so utterly despicable and unfriendly that there is no hope of remedying their overcharges other than attempting to get government action against them. 
Could you please help me to recover this money? I don't know what else to do about this lousy company and its practices of fraud. 

Its no wonder inflation is so high. 

Respectably XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX & EQUIFAX DATE OPENED-DATES DIFFER FROM XXXX & EQUIFAX BALANCE- AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX & EQUIFAX LAST REPORTED- DATE DIFFER FROM XXXX & EQUIFAX DATE LAST ACTIVE- DIFFER FROM XXXX XXXX EQUIFAX DATE OF LAST PAYMENT- DIFFER FROM XXXX XXXX EQUIFAX PAYMENT HISTORY- DIFFER FROM XXXX & EQUIFAX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CITIBANK, N.A.
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:
Unauthorized charges were made on my BestBuy Visa ( handled by CitiBank ) on XX/XX/XXXX and XX/XX/XXXX. 

Police report was filed with Officer XXXX XXXX XXXX XXXX Police Department Case Number : XXXX BestBuy reversed those charges on XX/XX/XXXX and XX/XX/XXXX in full. I also received a replacement credit card. I assumed the matter was resolved. 

Then on my XX/XX/2021 statement, all of the fraudulent charges that had been reversed had been undone and placed back onto my account. 

I have left one written and four verbal messages for a callback from the CitiBank investigations department ( they do not respond via the online messaging center - only callback ). I have received no return phone calls, despite leaving one message with the rep on the line, assuring me that I was using the correct mailbox. 

On XX/XX/XXXX, I spoke to XXXX ( employee ID : XXXX ) who was also unable to reach the investigator, XXXX assigned to 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 explanation
Consumer complaint received 2023-01-01
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act convergent XXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM TRANSUNION & XXXX DATE OPENED-DATES DIFFER FROM TRANSUNION & XXXX BALANCE- AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM TRANSUNION & XXXX LAST REPORTED- DATE DIFFER FROM TRANSUNION & XXXX DATE LAST ACTIVE- DIFFER FROM TRANSUNION XXXX XXXX DATE OF LAST PAYMENT- DIFFER FROM TRANSUNION XXXX XXXX PAYMENT HISTORY- DIFFER FROM TRANSUNION & XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

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 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Old deleted identity theft account that was on my previous credit report, has reappeared as a new collection. This is illegal as the stated account is not mine, and it should not be sold to a new lender as new debt.

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 2023-01-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX  XXXX XXXX reporting {$240.00} on my credit card, but that amount was paid. XXXX XXXX XXXXXXXX is NOT reporting the credit card balance correctly

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 2023-05-11
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On the XXXX of every month I receive my pension. On that same day, I pay all of my bills. Within days, most of my obligations are processed and cleared. The company/ bank Im having issues with is Comenity. Comenity covers XXXX XXXX, XXXX, XXXX and other companies. For example, the XXXX XXXX was sent out on the XXXX of XXXX, however has not been processed. Last month my XXXX XXXX and XXXX had not been processed ; concerned I called and their customer service advised if the checks had not been processed and cleared to place a stop payment. Further, the payments not received by the due date, I would be charged late fees. The customer service rep also blamed late payments are the fault of the United States Postal Service. I had problems with Comenity XXXX XXXX, paid off that account and closed it due to their slow processing, specifically processing payments after the due date, then charging the consumer late fees. I spoke to another customer service rep who admitted that she was in a meeting which addressed their internal problems of how to process payments faster. In the meantime, Comenity is unfairly charging late fees to customers based on their failure to process payments in a timely manner. Note, even if the payment is mailed on time, Comenity processes after the due date and charges the customer late fees .....

Company response to consumer: Closed with explanation