BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a Vanilla Gift Card in XX/XX/XXXX in the amount of {$300.00}. I did not attempt to use the card until XX/XX/XXXX. When I logged in to check the balance, I noticed that there were various fraudulent charges that took place in other cities away from where I live. I called Vanilla to dispute the charges and they told me to submit a packet with information for the dispute, which I did on XX/XX/XXXX. Vanilla told me it would take 90 days, or less, to complete the investigation and reissue a new card. 
I called after the 90 days had concluded, on XX/XX/XXXX, and Vanilla stated that they had not even finished " investigating. '' I have sent several emails to Vanilla and there is no response. And you can not even speak to the dispute team on the telephone to know what the status is. I do know that this particular gift card is serviced through XXXX XXXX, but I do not know what their exact role is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Credit Card Receivables Fund Incorporated
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX acquired my credit card debt took me to court in XX/XX/XXXX the judge dismissed case of the length of time the debt was inactive. in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tried to garnish my wage from XXXX XXXX.I was to served court papers to go back to court.I finally sold my home in XX/XX/XXXX and had to pay a lean of {$27000.00} plus for the lean.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Western-Shamrock Corporation
State: TX
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:
There is a hard inquiry on my credit report on XX/XX/23 from the following : WESTERN FINANCE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This was not an inquiry authorized by me and I believe I've been a victim of XXXX XXXX. I called the number listed to gather details however it's not a working number. Upon further investigation on XXXX the number ( XXXX ) XXXX came up. I called the XXXX number which was apparently Western Finance 's XXXX number. There is an option to leave a voicemail however the voicemail tone never occurs so you're not able to leave a message. There is also an option to email disputes at XXXX however the email comes back as failed delivery to that email address. I called again and was transferred to the XXXX XXXX by pressing XXXX and explained my situation. She transfers me to the XXXX XXXX location where I spoke to representative XXXX. XXXX speaks with her manager and they state that XXXX can assist me as they are not able to. I informed them XXXX had transferred me to them. 

I have challenged this inquiry through XXXX however I'm not sure where to mail a XXXX dispute at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: BTH Management
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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 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. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent letter off on XX/XX/XXXX to remove personal information and address that is inaccurate and don't want in my credit report. no action has been taken. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. the names and address is included in the attach document that I filed with identity theft.gov Moreover, I also request those inquiries below to be deleted since they are unknown to me and inaccurate, nothing has been done. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-06-03
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX 
Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, 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

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 2018-08-29
Company: Experian Information Solutions Inc.
State: AR
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:
InXX/XX/XXXXI disputed an inaccurate account with Experian the account which is XXXX XXXX # XXXX. Experian investigated and it came back verified. in XX/XX/XXXX I sent in a certified letter to Experian for a Method OF Verification,,, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter datedXX/XX/XXXX sent on XX/XX/XXXX Experian got the letter on XX/XX/XXXX,,, i have copies of the delivery receipts On XX/XX/XXXX i was notified that Experian completed there investigation with the account XXXX XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, ,I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is a original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested..

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 2023-11-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
U.S Bank closed my account ( XXXX ) on XX/XX/XXXX for " suspicious activity '' I had a direct deposit of {$3500.00} deposited into my account while my accounts were in the process of closure so I was due a cashiers check which I never received. I've called the bank several times, different people have told me different things I was told that they deposited my money into a XXXX  account at my home branch on XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Ca. I have gone to the branch several times as well, I was told they would be able to give me a cashier check for the amount due to me. I was told on XX/XX/XXXX that I would receive my cashiers check the following day, I went to the branch and branch manager was not there. I was told to come back XXXX  XX/XX/XXXX. I went and I was told that U.S bank rejected the claim so I can retrieve my money and that they don't know when I'll be able to get my money back from them. Everyone has been useless in trying to help me get my money back so 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 explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: CA
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}

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 2023-08-04
Company: General Motors Financial Company, Inc.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
GM financial repo my XXXX XXXX XXXX refuse to accept negotiable instrument due to no lawful money in circulation they sold the debt now want to collect from a 3rd party also my credit has been ruined I was reported to 3 credit bureaus affecting my life and family needs. I am demanding under 15 U.S. Code 1666d - Treatment of credit balances U.S. Code Notes 15 U.S. Code 1666d - Treatment of credit balances U.S. Code Notes 15 U.S. Code 1666 - Correction of billing errors U.S. Code Notes 18 U.S. Code {$8.00} - Obligation or other security of the United States defined 3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: General Motors Financial Company, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On the day of XX/XX/2021, I decided to drive the vehicle I obtained through a consumer credit transaction, used for family personal and household purposes, to the gym for a hour long workout session. Upon walking to the spot I parked my vehicle, I noticed it was in fact stolen. I immediately reentered the gym and requested to see the security footage of the Parking lot for the last hour. I also called the XXXX police to aid in the investigation. I filled out a police report with the facts and while watching the footage of the security camera, it showed a debt collector from the company named XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, Michigan XXXX, in a tow truck hired by GM Financial, back into my vehicle, lift it up, and proceeded to steal it in broad daylight! My vehicle was financed through GM Financial, whom I have several CFPB complaints against for violating my federally protected consumer rights under chapter 15 Title 41 of the United States Code. When I contacted GM Financial they attempted to extort and bully me into paying {$2100.00} for property that was obtained on credit and which included a finance charge. Pursuant to 15 USC 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. I am a consumer who has been violated and robbed of my personal property by Gm Financial and they have not received any repercussion as a result of stealing. I have lost a job, missed job opportunities, and have experienced hardship as a result of the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I filed a XXXX  XXXX bankruptcy because the servicer refused to provide a payment plan for arreages during covid. During covid bank told me to pay what I can ( all recorded ). Now they say I need to subpoena that information. Im making my mortgage payments every month but they are applying everything towards the bankruptcy amount. The trustee has not made a payment since XX/XX/2023 ( 1st payment ). Ive also asked for a transfer of servicing audit. Please help. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: DISCOVER BANK
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I have a long-time joint Discover on-line savings account with my husband in which he is the primary and I am the secondary owner. In two separate phone conversations with Discover, my husband asked if I was able to receive a bonus by opening a new account in my name. He was told yes, I could open an account because I am the secondary owner on our joint account. I am interested in opening a savings account as primary owner using {$150.00} bonus code XXXX. In preparation for opening up my own account and to transact on our joint account I registered for an on-line account, in which our joint account is listed. When I looked at the terms of the bonus, the text ( attached ) specifically states " Eligibility is based on primary owner ''. As two Discover phone representatives indicated, I should be eligible for the bonus because I am the primary owner on the new account and secondary owner on the Joint Account. During the on-line process ( attached ), my eligibility was deemed ineligible because of my joint account. When I called Discover, the representative indicated that I am listed as primary on the Joint account in MY on-line account and therefore are ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: CITIBANK, N.A.
State: FL
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:
I have no change to my credit report, no identity theft complaint, i've made my payments and have no derogatory report with Citibank or any credit cards. Citibank is forcing me to make minimum payment only by punishing me for paying off a larger amount on my card. I made a substantial pament and withing 10 hours they reduced my credit limit therefore hurting my attempts to grow my credit score and to make sure I don't do it again and have to continue making minimum payments. I was punished for doing a good thing. They say it was a " coincidence '' that they ran a report a few hours after paying down my card which is a lie. They now have me fearful of making any more payments larger than the minimum due out of fear I will be punished again by reducing my credit limit.

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 2023-07-27
Company: EQUIFAX, INC.
State: LA
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I sent a wire transfer on XX/XX/2022. Was called by Capital One Fraud Department. Asking me questions about the wire. I received 2 wire transfer in a total of {$11000.00}. That is how much the wire was for. It is to fund my XXXX account. They did not like that I was using a wire for a wire. they ask me all kinds of questions. The person I was talking to said she would call me back. She called back and said they would not send the wire transfer. So, the money went back into my account. I check my account the money was back in. But also, my account was locked. I received an email say my account was locked and may be closed. I have received ONE phone call with no information about why. I have left many phone messages and emails. No answer. The call on Sunday was the last I received with no information at all. They say they will call back in 48hrs if they need to talk to me. I need to talk to them. They had no right to lock my account without telling me why. No commutation at all on their part. I would like some answers. And access to my money. I would like some help in this matter. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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:
I never gave Transunion my XXXX written permission to report my private information. I'm seeking compensatory damages and asking for my private information to be deleted.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX did a pull on my credit profile XX/XX/2023 XXXX XXXX also did pull on my credit prolife I did not request nor did I give permission for this company to obtain any of my personal, and do not give permission for the reporting of my personal information.

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 2023-02-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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