BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
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. 

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  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
CITIZENS ACCESS CASE Number : XXXX I have lost access to my online bank account since the beginning of XX/XX/2022 when the company performed upgrades on their systems. As part of the upgrade, I was required to update my password. When I attempted to do so I got the following message from their system. 
" We have encountered an error- please try again after some time. We apologize for the inconvenience. '' I then called the customer service number on XX/XX/2022 and they were NOT able to access my account with my Name, Social Security Number and Date of Birth. They told me that for some an unknown reason the system did not recognize me. But not to worry had a backup way to verify my identity using public domain information. I got one of the question wrong and they told me that I had to wait 24 hours before they could try again. So I called the next day, had to explain the whole situation to another customer service rep and this time I got the questions right so they were able to access my account. I asked them to help me update the password and they said that they could NOT do it as it was beyond their capabilities and that someone that could help would call me back. I then asked for a direct contact number/email for the of the agent and they said that they were NOT allowed to do so and that I would have to call the customer service number and go thru the same process of answering the public domain questions as they could not associate my account using my my Name, Social Security Number and Date of Birth. 
I have a significant amount of money in their account and I am not getting any responses from the ONLINE bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX CARD XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-07-12
Company: Barnhall Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX of XXXX sold me a lemon vehicle and it hasnt worked at all. I had the car pulled back to them, where they were supposed to work on it .. nothing was done. The finance company its with is Barnhall Financial. Since I had the car for 8 months, Ive paid on time, had no problems with paying. Even though the car wasnt working, I STILL paid. XXXX payment wasnt submitted and I have started to receive phone calls every day harassing me and calling me frequently. Ive been receiving threatening calls and everyone has been called where this company is telling my situation to them, which I can sue for. This company told my job what the situation is, this company called me on today and the woman I spoke with told me I may as well borrow the money or whatever I need to do because she needs a payment and she will call whoever she pleases because shes going to get a payment. I want these harassing phone calls to stop! This company is not a good company and they are very rude and XXXX!!!! The XXXX slurs Ive heard on these calls have been ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2023-01-01
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Basics ; Synchrony Bank, credit card issued, at store, for furniture purchase. Within XXXX  months of purchase, furniture was breaking, Synchrony bank was advised on phone call asking if they had contact information for store I purchased from as they are out of business and my furniture was falling apart. I was told to contact the merchant, to which I replied, that's why I was contacting them, again because THEY ARE OUT OF BUSINESS, with no contact information. Complaint filed, resolution was in favor of Merchant? But there is no contact information for merchant, how were they contacted? No one contacted me asking for more information. XXXX, resolution, in favor of merchant, because merchant is out of business and Synchrony has no way of being reimbursed for money they paid merchant for my falling apart furniture. Out of the reclining sofa, love seat and chair, the only unbroken, working item is the chair. Other than submitting in writing, which no one mentioned, I've contacted Synchrony, telling them I don't feel like I should have to finish paying for an item that didn't last a year, {$1800.00} for something that needed replaced within XXXX  months. 

I will state, after reading fine print, that XXXX of the major requirements is that the item is not paid off, so I quit making payments. Not the wisest choice but I have now taken pictures of furniture and will be sending that in writing, yes, also stated in fine print, which I failed to read. That's on me, not being told that speaking with a representative did not satisfy the requirements for stating that you have tried to resolve with merchant, even contacting Synchrony for that information, and do not feel like you should have to finish paying for an item you have to replace because what you bought from them was faulty, craftsmanship was faulty it is falling apart.

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 2018-10-01
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I asked XXXX XXXX multiple times to stop calling me as the debt it time bared and I am disabled and receiving Social Security benefits. I told the person I have {$100.00} after my bills were paid for the rest of the month and they transferred me to someone who could accept a payment. The second person I spoke with said that my number would be removed from the system and I wouldnt receive anymore calls to which I responded that should have been done the first four or five times I had requested it and that was never done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against TD BANK, N.A regarding the violation of my right to open a trust account and the withholding of my intangible property. 

On XX/XX/2023, I attempted to open a trust account at TD BANK, NA. However, the bank refused to allow me to open the account, citing reasons that were not grounded in any legitimate banking regulations or policies. I believe that the bank 's refusal to open the account was a violation of my right to access financial services and create a trust to manage my financial affairs. 

Furthermore, I had previously deposited intangible property, including intellectual property, with TD BANK , N.A . Despite the fact that I am the rightful owner of these assets, the bank has refused to release them to me. This withholding of my property is also a violation of my rights as a consumer and is causing me significant financial harm. 

I have attempted to resolve this issue with the bank directly, but they have been unresponsive to my requests. Therefore, I am turning to the Consumer Financial Protection Bureau for assistance in resolving this matter. 

I request that the CFPB investigate this matter and take appropriate action to ensure that TD BANK, N.A complies with all applicable banking regulations and returns my intangible property to me. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: AL
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 have tried to contact XXXX, Equifax, And XXXX concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) Im guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX Bank and XXXX XXXX XXXX XXXX ( Both FIVE STAR ACCOUNTS ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. XXXX XXXX  Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of The XXXX XXXX account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX Bank and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. The inquires that need to be removed due to no knowledge of them are : 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  The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting. 2 ) Refusing to updated and removed false information from credit report. 3 ) Each credit Bureau have different information from one another. 4 ) I provided them with proof and they still refused to remove false information. 5 ) They did not take their time to go over my credit report. I have 5 violations that was done to me by XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a MasterCard with Comenity Bank BJ 's My Perks on XX/XX/22. Shortly after opening the account, and the entire Comenity Bank BJ 's My Perks online and phone customer services became unavailable. This lasted from XX/XX/22 through XX/XX/22. This brand new account obviously had no prior balance, as it was only opened on XX/XX/22. Despite this, Comenity Bank BJ 's My Perks issued my first statement on XX/XX/22 and charged me finance charges. These charges violate their own terms and conditions, as there is no prior balance subject to finance charges. Pleae review attachment and view page 3. Comenity does not answer online secure messages or answer the customer services #.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-05
Company: EQUIFAX, INC.
State: FL
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 don't recognize this account. I have never applied for this. i'm not responsible for this debt. I have no contracts or agreements with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: NY
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:
Studen Loan accounts reported late for over 2 years dating back to XXXX and XXXX of 2020. These were reported 2 times each on 4 loans for a total of 8 late payments dropping my score more then XXXX points. Grievously effecting my credit report when this information is in fact false. There will be a payment receipt attached this was given to me directly from the lender to have this problem corrected. 

Laws Broken : 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 explanation
Consumer complaint received 2016-04-03
Company: Moritz Partners L.P.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XXXX XXXX call people about their car payments and and if they ca n't get in contact with the customer they will call references and Neighbors and give out personal information also they will offer the customers friends and family money to help them look for the car if their account is delinquent. They will also run credit bureaus on customers several times a month also if there is a third-party driver that is driving the vehicle that is not on the contract they will run credit reports and social searches on that third party and the third-party driver did not sign any kind of release to run their credit information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Unifin Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My account was deleted and removed by original creditor and credit reports on XX/XX/XXXX Received a suspicious letter XX/XX/XXXX ( also another SCAM it was back-dated XXXX but not postmarked till XX/XX/XXXX - stating needs to be paid within x amount of days from DATE of letter - SCARE TATIC and misuse of DATES ). 

this account is not valid, it is an account that was deleted. 

this company is not valid - who us XXXX? They write the letter 'as if " they are the original creditor / account / collection company - THEY ARE NOT. 
this company is trying to use scare tactics to make people believe they own a debt that is not valid. 

PROTECT yourself, protect your loved ones from SCAMS LIKE THIS that are allowed to happen by the government and these " debt collectors ''. No one cares but you, so READ everything CAREFULLY. 

In tiny fine print it says if you pay the debt they can then reinstate it and sue you! For a debt that isn't in VALID or LEGALLY BINDING! If you look closer you will see THEY CAN NOT SUE YOU, they can not even REPORT on this debt- why? because it is INVALID, deleted, removed or doesn't even exist. 

Legally they can not sue you or reinstate a deleted debt that you do not owe. DO NOT BE FOOLED by this COMPANY 's -- - GROSS MISUSE, MISREPRESENTATION and HARASSMENT. FTC and CFPB won't do anything so stand up for yourself and against companies using GROSS MISUSE TATICS for people who are under-read and do not have the comprehension skills to understand the MISREPRESENTATION of the language they are using and TWISTING to their benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
14 days prior to closing the loan officer ( Bank of America ) stated they made a mistake and we needed to wipe all debts and come with an additional XXXX to closing. Had to liquidate all assets and loss all future investments in 401k. 

Bank of America made a mistake and was double dipping on tax and insurance on current mortgages.

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 2022-04-22
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: Credit inquiries on your report that you don't recognize

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. 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX 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