BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: CONGRESS COLLECTION CORP
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I believe this company has violated my rights according to the FCRA and FDCPA. I found them on my credit during my bankruptcy proceedings, so I asked them to please validate their information. they have never, ever sent me anything in the mail. I found through research that they had to notify me before reporting, which they never did. They had to validate the information to the consumer if requested, so I sent them a dispute letter. When they didn't reply to the first dispute, I sent them a second dispute, and they still haven't replied. I'm wondering if Congress Collect actually exists, or is only a fake company that reports to peoples credit to defame their character. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: NC
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, has violated my rights.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28
Company: WELLS FARGO & COMPANY
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 have a Wells Fargo Propel card with statements closing on the XXXX of each month. 
On XX/XX/XXXX I have noticed that my statement has closed and made required payment ( XXXX dollars with XXXX minimum due ). 
XX/XX/XXXX statement shows payment in transactions - yet still marks account with no payment received and assess XXXX late fee. 
On XX/XX/XXXX, I call CS to fix the issue and told that I have made payment " too soon '' -  even though it is clearly some sort of the system issue on WF side. 
No apology was offered and no assurance that my credit is not damaged - even though account was marked as 30 days delinquent - as my direct request to submit corrected info to credit bureau seems to be ignored.

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 2022-11-04
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account # 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 a 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 I purpose.

44.6K 435 7667

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXXXXXX, Account name : XXXX XXXX XXXX has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Balance {$6600.00} Date Opened XX/XX/XXXX USAA FEDERAL SAVINGS BANK Balance {$9700.00} Date Opened XX/XX/XXXX Collection Agency XXXX XXXX XXXX Amount {$5200.00} Date Assigned XXXX XXXX, XXXX These accounts were made without my consent or authorization and has caused significant harm to my financial reputation. Despite my persistent efforts to rectify the situation, including MULTIPLE disputes, filing a police report, and submitting an identity theft report, the fraudulent charges has not been removed from my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is a follow up in regards to a previous case closed by CFPB. Case # XXXX. 

US Bank acknowledged they have record of one of the transfers out of the three I made but they still want me to recall all of the transfers. I contacted the originate bank XXXX XXXX and I am attaching their reply. The transfers were originated by US Bank and XXXX is unable to initiate the recall. I called US Bank last week and I was told to go to one of their local branch to verify some information. The closest branch that is closer to where I live is more than three hundred miles away in XXXX and I am living in XXXX. I open the account with them online and I want to know why I have to go their branch in Ohio.

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 2020-04-08
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute with Equifax online after waiting on hold for over 2 hours. I could not get any answers from agents over the phone and they didn't even undestand what I was talking about. I followed the directions and submitted the dispute using my Equifax account. I went to check the status and was met with the following message : " It looks like we need more information to securely match you to your dispute file. Our consumer care team is ready to assist you with that. Please call us at XXXX between XXXX XXXX  until XXXX XXXX  EST, seven days a week so that we can help. '' I called the number and the systems hangs up every time you press 1 to speak with an agent. I called corporate and I was put through to a specialist and a supervisor who did not know what the message meant and said they could not help. Equifax is not assisting me and not correcting the information on my credit report. I even uploaded a letter from a lender to dispute the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
I parked the vehicle in my driveway about XXXX on XX/XX/2023, I got up at XXXX and got ready to go to work, I left to head to work at XXXX to find that the car was no longer in the driveway. I was not provided a notice of repossession and the repossession happened while I was asleep. I then attempted to contact the lender to find out details about the company that repossessed it so that i could gather my belongings from said vehicle, I was then met with opposition, and refusal to provide me with any information regarding who had the vehicle, Westlake Financial Services was demanding payment in order to receive said information, at which point I took to finding the vehicle on my own. I tried calling another recovery agency to which they did not have the vehicle. I then contacted the XXXX XXXX Police Department at which point I was informed by them that the vehicle was recovered by XXXX XXXX XXXX. I contacted them to confirm that the vehicle was in their possession to which I was informed that it was. I Westlake financial services has also hung up on me multiple times today. They have also called me multiple times everyday including saturday and sunday at all hours of the day including times from XXXX XXXX  to XXXX XXXX  days a week multiple times a day.

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 2023-09-13
Company: Bread Financial Holdings, Inc.
State: OR
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:
On XX/XX/23 we ordered XXXX XXXX  dog collars from XXXX XXXX. It was delivered the next day to the wrong home. That home was cream colored and our home is XXXX. We alerted XXXX XXXX within XXXX minutes of the delivery it was the wrong home. We have contacted Comenity multiple times through their secure message center and the phone weeks ago. We were contacting XXXX directly as well. XXXX XXXX  agreed to the refund of {$110.00} and stated through email it cleared their account, but Comenity XXXX XXXX is claiming they did not receive it XXXX XXXX refund. I even sent them proof XXXX XXXX claimed they refunded the full amount for the undelivered item weeks ago. 

I opened a dispute XX/XX/23 and have received a letter stating they need more information to determine my exact concern, but we have told them many times now. They told me to send them a message in their secure message center to explain by a deadline. I have tried to send 2 messages last week through that system and today - both claim there is an error and will not go through so I cant reach them by their time listed I need to contact them. This is very concerning to me.

I dont understand the hang up when the company we purchased from ( XXXX XXXX ) agreed to the refund and sent a refund to Comenity that they will not credit my credit card account for. We need XXXX XXXX to credit our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2023-06-19
Company: Experian Information Solutions 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 was violated and taken advantage of, I have already contacted the police and made a police report of the following. Issues. And would like them removed from all 3 credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-05-05
Company: CL Holdings LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX bill is a very old bill from 2012, I do not see how it is still open. It is past the statue of limitations? 


They illegitimately reappear on your credit report if it's acquired by a debt buyer or collection agency that then reports the debt even though it's more than seven years old. This is past the statute of limitations, meaning it's too old to remain on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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/2022, someone used my identity to open two accounts in Bank of America. One account has a balance of {$210.00} as of XX/XX/2022. I called Bank of America but they said they can not find the account. I have never opened any account in Bank of America. I believe this is identity theft.

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 2023-01-28
Company: EQUIFAX, INC.
State: AL
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 account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX, XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: HireRight Solutions, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
INFORMATION PROVIDED TO XXXX ( HIRING COMPANY ) FROM HIRE RIGHT ( CRA ) INCLUDED A CRIMINAL BACKGROUND REPORT WHICH ANTEDATED THE REPORT MORE THAN SEVEN YEARS. 
ADVERSE ACTION OF THE OFFER OF EMPLOYMENT WAS TAKEN BASED ON THE INFORMATION PROVIDED TO XXXX. 
CRA DID NOT DATE THE BACKGROUND SEARCH AT SEVEN YEARS. NO NEW REPORT WAS PROVIDED XXXX, DID NOT PROVIDE A PRE-ADVERSE ACTION NOTICE. 
XXXX DID NOT AFFORD THE OPPORTUNITY TO CORRECT THE DISCRIMPANT INFORMATION IN THE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1995 Dear CFPB, I am writing to bring to your attention several violations of federal credit reporting laws and regulations that have profoundly affected my life and financial well-being. I kindly request your intervention and enforcement of my legal rights in this matter. 

Violation 3 : Duplicate Reporting - DPT TREASURY ( Account Number : XXXX ) Violation of FCRA : Section 1681s-2 : Responsibilities of furnishers of credit information. 
I have never had any business relationship with DPT TREASURY, and there is no way that this account belongs to me. This unknown account has been erroneously reported on my credit report, causing significant distress and affecting my financial reputation. 

I implore the CFPB to understand the personal toll these violations have taken on my life. The impact is not merely financial ; it extends to my ability to provide a stable and secure future for my family. I have endured countless sleepless nights, endless stress, and the emotional burden of not being able to achieve my financial goals due to these violations. 

The uncertainty and hardship I face have strained my relationships, affected my mental health, and led to moments of despair. The weight of these inaccuracies on my credit report feels unbearable, and I am reaching out to you, the CFPB, as my last hope for justice. 

I beseech the CFPB to enforce the legal rights and protections afforded to consumers like me under the Fair Credit Reporting Act ( FCRA ) and related regulations. I respectfully request that you investigate these violations promptly and take the necessary actions to compel the creditors in question to : Remove the unverified accounts from my credit report.

Correct any inaccuracies and ensure the accurate reporting of my credit information. 
Provide evidence of their compliance with the FCRA and related laws. 
I thank you for your attention to this matter and your dedication to ensuring fairness in the consumer credit reporting system. I eagerly await your response and hope that it brings the resolution I so desperately need to rebuild my life and secure a brighter future for my family. 

Sincerely, 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 2023-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery Associates is trying to pressure to collect on a debt from XXXX  that his been discharged by the original debtor XXXX XXXX ( proof was provided by PRA that it has already been written off ) -they can not produce the documents to list/prove these are my debts and have sent me countless emails, calls and are currently taking me to court with an inflated amount that appears no where near the original credit limit I had with XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief