BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: CIG FINANCIAL LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I work as the XXXX XXXX XXXX XXXX XXXX XXXX The organization owes a debt of {$7200.00} to a vendor, which has been sent to a debt collector, Caine & Weiner. The debt collector has repeatedly tried to contact me personally to pay the debt, including by calling and leaving a voicemail on my personal cell phone ( on XXXX XXXX XXXX  ), sending emails to my personal email address ( on XX/XX/XXXX ), and mailing notices to my home ( dated XX/XX/XXXX, delivered XX/XX/XXXX ). My assistant similarly received a voicemail left on her personal cell phone, an email sent to her personal email address, and notice mailed to her home. On XX/XX/XXXX, I sent an email from my work email address asking that any communications related to the debt be sent only to my work phone and email, but the debt collector has continued trying to contact me personally to collect the debt owed by my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: VA
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 spoke with XXXX in the fraud department at XXXX. She refused to remove inquiries off my report that was reported as fraud. All the inquires were connected to the fraud accounts. 
Per the FCRA, inquires can be opted out in which she refussed to do so. I had been hung up on twice while trying to correct my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Other problem

Complaint:
It always ask me to create a new password even though i just had created one. And when i do it then makes me change it 3-5 times in a row. So it eventually will never let me login in to my account. Only sometimes it will let me.

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 2020-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent a few letters, asking XXXX XXXX XXXX, XXXX  is send me original documents with my signature, as a proof to this claim i am unaware of. After the second letter i received a response saying. They have completed their investigation, and have established validity. I have yet to see documentation with My signature. I called the original creditor, Capital One and made them aware i knew nothing of the debts. Capital One response was that they had no original Documentation with my signature on it.Upset that they have not worked with me to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Lentegrity Management, LLC
State: MD
Product: Credit reporting 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:
In accordance with the fair credit reporting act. The following Accounts XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, lentegrity llc, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Delete all errors on credit report and my scores

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 2023-07-23
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX - call and spoke to an agent about this credit and collections letter. The agent reiterated what was in the letter ( attempt to collect a debt ). Allegedly an account from XXXX. I did dispute to try and get more information. The collection agency just resent the original letter, with the amount due, and a date. No other details. The agent said this is considered proof of debt and this had been reported to the major credit bureaus. 

In order to get this off my credit, I inquired what a settlement would look like. Initial agent said their system generates a settlement offer, and my offer was 80 % of the debt claimed ( total debt allegedly is {$1900.00} ). I asked if a supervisor or a company leader would be able to negotiate this down. Even though I am not confirming the debt validity, I need this off my credit. It was a this time, the agent then told me the account was not reported to the credit bureaus despite moments before telling me it was. I asked for a supervisor. 

XXXX took my call and regurgitated her agent 's talking points. I asked for the offer letter in writing ; she said she could not do that. I asked if I agreed to their payment plan could I get that in writing, she said no. I then asked, if I make payments, will that ensure no credit reporting ( once we make an agreement ) ; the answer again is no. 

To conclude- they won't provide debt validation ( other than just resending the original letter ). My good faith attempts to resolve this end up in a dead end. 

I am reporting this behavior and request intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: PA
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Chime Financial Inc
State: PA
Product: Credit 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 rented a vehicle from a car rental company XXXX XXXX XXXX XXXX, 5 times from XX/XX/2023 until XX/XX/2023. Each time i rented a car it held a security deposit. The rental car company advised me the money would be returned to my account which is chime. None of the money has been returned as of today. Ive reached out to chime several times as well as the car rental company. The car rental company advised me the money was in fact released to my account and provided me with an invoice for each time. Ive filed disputes with chime after speaking with several managers and still no money or any answers about why my money is not available. 
The amount that has not been returned is a total of {$1300.00}. Sixt held {$200.00} four times and {$500.00} one time. The invoices reflect what sixt charged me. My account statement reflects the money that was transferred into the account and it shows the amount over the invoiced amount. Chime tells me every time i call them. They dont see a transaction where sixt held any money. But theres transactions showing me transferring the money in. Chime has a copy of each invoice and screenshot showing the amounts being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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 fedrally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX reported XXXXXX/XX/2022 XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX reported XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXXXXXX XXXX reported XX/XX/2022 XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX reported XX/XX/2022 XXXX XXXXXXXX XXXX account # XXXX reported XX/XX/2022 XXXX XXXX account # XXXX XXXXXXXX XXXX reported XX/XX/2022 XXXX XXXX account # XXXX XXXX $ reported XX/XX/20XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX reported XX/XX/20XXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX reported XXXXXXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  report XX/XX/2022 XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX XXXX report XX/XX/XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX report XX/XX/202XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX account # XXXX XXXX report XX/XX/202XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX report XX/XX/20XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX report XX/XX/2022 kansas XXXX XXXX account # XXXXXXXX XXXX XXXX report XX/XX/2022 XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX  report XX/XX/2022 XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX  report XX/XX/202XXXX XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX report XX/XX/2XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  report XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states i have the right to privac

y 15 U.S.C 1681 section604 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 ) ( 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 beleieve 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 non-monetary relief
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: NV
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:
The Credit bureaus stated that my account with XXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, I did not open this account this year! This is grounds for removal from my credit report. The XXXX  and my state Attorney General 's office have also been contacted regarding this matter. They have also violated my rights under 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 States that any consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items 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 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a 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 2023-06-27
Company: EQUIFAX, INC.
State: CO
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 2022-11-26
Company: Experian Information Solutions Inc.
State: DC
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 REPEAT THAT THIS IS NOT A DUPLICATE COMPLAINT. On XX/XX/2022, I the consumer notified Experian through the CFPB portal of an account ( XXXX XXXX ) that was furnished fraudulently on my consumer report without the consent of the consumer or 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 pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) under permissible purposes of consumer reports. The account read ( XXXX XXXX  ). Experian failed to Investigate the first time and now during their re-investigation witch is a violation of the FCRA, pursuant to XXXX XXXX XXXX ( XXXX ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific ( XXXX XXXX ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Experian failed to Investigate both times according to federal law ( FCRA ), Experian haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. Experian and XXXX XXXX  are committing XXXX and XXXX theft. I the consumer never got an update nor anything in writing from Experian stating HOW this INVESTIGATION WAS HANDLED ACCORDING TO FEDERAL LAW. The company ( XXXX XXXX  ) that Experian furnished to my consumer report fraudulently. I demand the account be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I XXXX be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance. EXPERIAN WILL BE LIEABLE TO ME {$1000.00} EACH ACCURANCE. Respectfully, 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 2023-11-15
Company: CITIBANK, N.A.
State: OH
Product: Credit 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 made a purchase on a website for bikes on XX/XX/XXXX for {$210.00} with my Citi credit card. When I received the order confirmation email, something looked wrong with the links displayed. After looking into it, I noticed the email and the site I made the transaction on were fraudulent and were actually scams. Once I noticed this, I made a fraud dispute the same day. 

About a month later, Citi asked me for details since the seller was saying I made the purchase. I did not dispute that but followed up with evidence that I did not know I was being scammed and will in fact, never receive the products I " purchased ''. The site is not even available anymore as it has likely been taken down. 

Just today, XX/XX/XXXX I received a note from Citi saying they decided there was no fraud and my initial chargeback was reversed. I am not expected to pay that {$210.00} as it sits on my account. I called and explained to someone in hopes of a simple resolution and they said because I reported it as fraud first, there is nothing they can do now. If I would not have reported it as fraud, they might be able to help. This makes no sense to me. Please help.

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 2023-07-23
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
About 4 months ago I opened a Citi Bank bank account. A few weeks later on XX/XX/XXXX I got an email saying that my accounts would be closed and that they would send me my money within 60 days. 
This was 3 months ago which is more than XXXX ( business ) days. Every attempt to figure out where my money is and how I can get it back failed. Actually, employees in the branches can not help and say I need to call the hotline and when calling the hotline you just get connected from XXXX person to another until someone says they can not help me and they don't know what to do next.

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When Checking credit report I have been made aware from companies that there is a charge off balance on my account that is closed. I have reached out many of times to this company asking for the original signed contract not a copy, Truth and lending statement, and Validation of this charge off amount. No one ever responded. No one can find my information via phone as well as no response to letters sent. I did not consent for the credit bureaus to report this information on my credit report casuing me to miss out on business opportunities from various banks, This is a violation. 15 usc 1681a2, I did not give authorization or permission for XXXX, XXXX or Transunion to furnish this account on my credit report. I am requesting it be removed and pay damages of XXXX each credit bureau for this violation made out to XXXX XXXX XXXX XXXX. We would rather resolve this issue immediately before taking further action.

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 2020-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation