BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, On XX/XX/XXXX, I purchased {$7100.00} in furniture from XXXX XXXXXXXX XXXX. At the time there were advertising 60 months XXXX percent interest. I was approved for this financing and credit card. I was also advised that I had to put down {$700.00} in cash which I did. No other store with XXXX percent financing asked me for a down payment but I complied. I received my first bill and my minimum balance is {$250.00}. That does not compute to 60 months of free financing. My minimum payment should be {$110.00}. I called Comenity Bank who the furniture is financed with and they said there is nothing they can do that sometimes they request a higher minimum balance and that the balance goes does each month. This is deceptive practices. It clearly states on my invoice 60 months XXXXXXXX XXXX  XXXX XXXX and that I need to pay the balance prior to the 60 month end date of XX/XX/XXXX. If I continue making payments of {$250.00}, I will be paid in full in 28 months. That is not what was advertised or explained to me. How can I fix this? I'm paying double and that's not what I budgeted for. 

I also just received the XXXX invoice and that minimum payment is {$240.00} Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 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 2023-08-29
Company: Experian Information Solutions Inc.
State: NC
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:
Experian Credit Bureau, XXXX Credit Bureau and XXXX XXXX Credit Bureau You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly, states that 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.

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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-04-01
Company: Experian Information Solutions Inc.
State: SC
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:
This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : 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 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 u.s.c 1681 section 602 states that I Have the right to privacy. 15 u.s.c 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under15 section u.s.c 1666b a creditor may not treat a payment under a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX also has not addressed my complaint about an overzealous repo man who reported to XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX he proceeded to bang on and try to break open the garage door in an attempt to repossess. my XXXX  XXXX XXXX he banged on the door of the residence and also banged on the garage door.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I opened an account with Ally Bank on XX/XX/XXXX with my current address. XX/XX/XXXX I moved money from XXXXXXXX XXXX to Ally for a better interest rate. Opened a CD and put my husband on the CD. The bank called me stating that my address is not compliant with the Federal Patriots act of XXXX. I have the same address. I have bought a mobile home in this mobile home/ RV/ motel resort. I am being treated like a XXXX! I stated to them yesterday on the phone that not once have they asked for proof of address. Today now they will accept proof of the address. They threatened to close my account because of my address.

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 2023-12-07
Company: James E. Albertelli, P.A., a Florida professional association
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to inform you that I received this notice from your attorney on Friday, XX/XX/2023 via XXXX. Along with the notice was a reimbursement for my check I sent. The date on the check is for XX/XX/2023. However, the notice is dated XX/XX/2023. The letter states the amount of {$2000.00} does not resolve the balance. That is the exact amount that was stated in the first notice from your attorney. I called the number listed on the letter and I find it odd the number is disconnected. I called the number on the first notice and that was the law firm but it is the housing foreclosure department. The lady on the phone directed me to the correct department. Your onsite staff and now your attorney are running scams. Nothing on these documents sent by your attorney are legitimate. Nothing your onsite staff has sent me is legitimate. 

I have been locked out of my account so I can't see the total rent and utilities due When I ask your staff how much is due the amount changes every time When I try to pay via XXXX it's declined because I do not have access to the correct exact amount that is due. 

When I drop off a payment no one is there to accept it and there are checks falling out of the drop box When I mail a check to corporate it gets lost and not posted to my account Because I can't see the amount due because I am locked out of my online account, I have to wait for the 10 day notice By the time I am able to reach you all to pay what is listed on the notice you add additional fees No one will state what is actually included in legal fees. First you said legal fees were {$620.00} then you changed it to {$650.00}. 

I would like to know why the first notice received from your attorney on XXXX XXXX states I have until XX/XX/XXXX to pay or dispute the charges owed. The numbers listed are for the incorrect department. 

I would like to know why the check amount that I sent was reimbursed on XX/XX/XXXX and I didnt receive the check until XX/XX/XXXX, which was my last day to dispute or pay. Also, your attorney had my check in possession during my court date XX/XX/XXXX. 

I would like to know why I received my payment back on XX/XX/XXXX with a notice dated XX/XX/XXXX? The notice has a disconnected number. 

Additionally, I have been told since Monday that the attorney would reach out to me to answer the above questions. I called today Thursday, XX/XX/2023, and left a voicemail on the office number and cellphone number listed in the email the attorney sent me. I then received a call back stating that the attorney was proceeding to file the writ today. The attorney still has not sent me any sort of written documents.

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 2023-12-07
Company: Comerica
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My account at Comerica Bank was Fraugently Used without my Knowledge To deposit and withdraw amounts of money over a four to five Day span. I was never once notify by the bank of any transaction in or out of my account. I have never made withdrawals or deposits by My mobile app every since I had this account. 
The only way I found out about the money is the day that I was expecting of deposit from the loan company Which I found out was not a legit company. I want straight to the bank and told them to close the account. But they said they couldn't until the balance was pay in full. 
I asked them. How can this many transaction be made in and out of my account? And they do not notify me. 
I want straight to the police department and made a report. 
I was told by a XXXX who wife does investigation for banks that I should get in touch with someone because my e. Rights was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, has violated my rights ( Original Creditor : XXXX XXXX XXXX ) Account # 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 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 to cause to believe that the information is inaccurate.

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 advers item of information, other records of convictions of crimes which antedates the report by more than seven years

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 2023-12-07
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
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 called the bank to dispute a Charge for Services not received, Merchant is charged me only for his Time not for a Permanent Repair done on my Truck. 
I submitted to the Bank both receipts one from XX/XX/2023, {$140.00} and another from XX/XX/XXXX {$70.00} both charges are from the same repair about a Hydraulic Hose. 
I called the Bank to initiate a Dispute and I submitted the same documentation I'm doing at this time after few days I received a denial letter from the Bank. 
At this time I would like to invoke : " The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. The Act provides consumers with protection from unfair billing practices such as : *Charges not authorized by the consumer* Charges with the wrong date or amount. CHARGES FOR GOODS OR SERVICE THAT WEREN'T DELIVERED. 
So in this charge Applies under the Fair Credit Protection Act what I reported to the Bank to dispute services not received. The Bank Should disputed with the Merchant Bank to get my money Back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize the following inquiries 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

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 2021-11-30
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX D.O.B XX/XX/1992 XXXX # XXXX I am not an attorney or a third party, I am filing a complaint on my own behalf because it is my legal right to do so. I have had my income affected by the Pandemic Shutdown. I am requesting accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am in the process of refinancing my Car loan and I need help with the late payment and repo reporting is inaccurate. 
Please update the following reported account to a current status XXXX XXXX XXXX  XXXX XXXX XXXX. I have two unverified account that are not reporting correctly I new had any legal business dealing with the following companies : XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX. I HAVE DEMAND LEGAL DOCUMENTS FROM THESE COMPANIES BEFORE I RECEIVED NOTHING IN WRITTEN CORRESPONDENCE. PLEASE DELETE/ REMOVE THE ACCOUNT AT ONCE!! 

I have found Cell phone numbers on my account that do not belong to me!! 
( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the presence of several hard inquiries on my credit report that were not authorized by me. I am requesting that XXXX and XXXX immediately delete these unauthorized hard inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The unauthorized hard inquiries in question are negatively impacting my good name, character, and my ability to qualify for new credit. As a consumer, I have the right to control who has access to my personal information, and I did not authorize any third parties to access my credit report. 

Furthermore, I have reason to believe that the furnishers of these unauthorized hard inquiries are unreliable sources of information. I have not had any business dealings with these companies, nor have I authorized them to access my credit report. Therefore, I can not verify the accuracy or legitimacy of their claims. 

I have attached a copy of my credit report highlighting the unauthorized hard inquiries. I request that XXXX and XXXX investigate these unauthorized hard inquiries and remove them from my credit report as soon as possible. Please provide me with written confirmation of the deletion of these inquiries within 30 days. 

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

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 2023-12-07
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
these inquiries are unauthorized and they are not related to any transaction by me According to the 15 usc 1681 law there should not be any damages in my report its defamation to my character these are all the inquiries on my report Credit acceptance 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

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 2023-04-28
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/XX/2023 a contact letter referencing a non existent debt which attempted to to collect on a false statement and claim. This is an illegal practice. This action and ACCUSTION IS IN FACT A DISPUTE!!! This action upset my permanent XXXX as well as triggered bad memories of identity theft of my credit in real time, emotional anguish as well as emotional terror under Color of law. Financial terrorism disguised as false debt is something no one should tolerate at all. CONTROL CREDIT IS RESPONSIBLE FOR THESE ILLEGAL ACTIONS. I AM GOING TO INFORM THE FEDERAL TRADE COMMISSION OF THEIR ILLEGAL ACTIONS, SALE OF ILLEGALLY BOUGHT DEBT AS WELL WELL AS TRANSGRESS IONS AGAINST FCRA FDCPA AS THE BBB FOR THEIR FALSE STATEMENTS AND ATTEMPT TO RUIN MY PEACE.

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 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called Capital One on XX/XX/XXXX and asked for my XXXX annual fee to be waived. The customer service representative graciously obliged and recommended that I call back in approximately one year to inquire about a potential downgrade if my card usage remains low. The annual fee was never waived as a result of this transaction. I called again on XX/XX/XXXX to ask that the fee be waived as I was told it would be on XX/XX/XXXX and no action was taken. The customer service rep performed a call review and confirmed I was told of the waiver on XX/XX/XXXX and immediately reversed the annual fee. On XX/XX/XXXX, I called to request an account downgrade to a no fee product ( per my instructions rec 'd a year earlier on XX/XX/XXXX ) The customer service representative on XX/XX/XXXX told me that no offers for a downgrade to a no fee product were available. 

I am not alleging a Reg Z violation has occurred - Capital One has clearly disclosed my annual fee as required in Account Opening Disclosures and the CMA and has no regulatory obligation to downgrade my account to a no fee product ( XXXX, for example ). I am alleging that a UDAAP violation has occurred. I believe it is unfair to offer downgrades to certain customers and not others. It was deceptive to instruct me on XX/XX/XXXX to request a downgrade in approximately one year if I'd like to avoid the annual fee in the future and proceed to not honor that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: TX
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:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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