BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
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: 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 acct # XXXX, XXXXXXXX XXXX  acct # : XXXXXXXX XXXX XXXX acct # : XXXX, XXXX XXXX XXXXXXXX acct # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX acct # : XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX, PXXXX XXXX acct # : 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 explanation
Consumer complaint received 2023-03-18
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid 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 was phished by the spammer, XXXX, when I knew that my flight from XXXX to XXXX was canceled by XXXX XXXX XXXX XXXX XXXX for " mechanic reasons '' one day before the flight date. I was in panic mode and googled XXXX costumer service. The phishing number from XXXX popped up on the top of the XXXX list. I called the number and " XXXX '' pretended that he is XXXX representative. He got my Discovery Card information and associated personal information over during the conversation and charged me {$3400.00} for " changing/rebooking '' my original XXXX flight tickets that were booked from XXXX. After the conversation with " XXXX '', I called XXXX with the number from my original ticket to complaining the " charge ''. XXXX representative told me that it should be free for changing the ticket for cancelling ticket due to the XXXX reason. Soon XXXX sent me the new e-tickets and showed it is free charge. Meanwhile, " XXXX '' sent me the email to ask me to reply with " agree '' to pay the charge. I refused. I traveled backed home two weeks later and found the charge on my Discover Card ( DC ). I called DC for disputing the charge for {$3400.00}. After several rounds of disputes with all evidences including the emails, my XXXX tickets, complaints from public domains for spammer ticketsupportdesk.com, XXXX service number and Business-class number that DC can call to confirm the free charges for rebooking the my tickets, etc. I provided to DC, DC still insisted that I should pay the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: SANTANDER HOLDINGS USA, 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 this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy and in 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: NC
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:
This account that is being reported is identified as a repossession on XX/XX/2022 yet they continue to report late payments on XX/XX/2022, XX/XX/2022, and XXXX, XXXX. Since the Vehicle was no longer in my possession it would be impossible for me to Default on the payments after the fact. I have the Right to an accurate credit file and discrepancies like this are unacceptable so please immediately remove this account and its entirety from my credit file.

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 2023-03-18
Company: CITIBANK, N.A.
State: HI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citibank XXXX XXXX account inactivated my account for inactivity even though the account is funded on a weekly basis. No help calling and there is not a branch near me to go in. 

A letter must be written to get access to my funds. Im buying a house and need the money very soon. Extremely disappointed. Please be aware they may inactivate your account and you cant get your money out. Be aware especially if you dont live close to a branch.

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 2023-03-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My escrow account has missing funds. This has been going on since my bankruptcy was paid and closed. Ever since my escrow has been missing money and my mortage payment keep going up. They paid more to insurance Co that was not correct amounts. They were rude and wouldn't help me understand why even going as far as to say they can't look up my information I asked for about my escrow account. They keep saying I was in the negative but wouldn't explain. They paid my last insurance Co more money than was my bill. Then when I changed insurance they paid them twice. XXXX XXXX sent them XXXX and my insurance sent them back one of the payments of XXXX they state I only have XXXX this has been going on since iv been with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Bread Financial 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 this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy and in 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I have no knowledge of some of the inquiries on my account. These hard inquiries are a result of identity theft and they must be removed within no later than four business days as per 15 USC 1681 c-2.

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 2023-03-18
Company: TransferWise Ltd
State: AE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Wise ( Formerly known as Transferwise ) is falsely advertising instant transactions. 

On Saturday XX/XX/2023 I initiated a transfer expecting it to complete within 30 minutes. The app told me only after initiating the transfer that the money would not arrive for two days until Monday. 

Well I needed the money to be transferred immediately, so I canceled the transfer only to receive a message later on saying I would be refunded in four days. 

If for some reason the WISE app can't make the transfer instant then they should make WISE unavailable until they can provide instant service. They should also let customers know up front before transferring that service will not be instant or there will be a delay. 

No one enjoys being inconvenienced or prevented from doing what they want to do on a weekend especially when I need the money now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is a 3d bill collector for a medical company that is no longer open. Another medical company purchased the previous company. The debt is not mine, The medical company that hired the collection company can not provide any medical information with my name on it with my signature for acceptance of medical care nor an itemized bill of what procedures were done. This collection company has failed to notify me of such debt and are attempting to collect debt that is not owed and has fraudulently increased the amount owed. Used scare tactics by adding notes on my credit report regarding this account as if it had been being paid and I defaulted. Intimidating nature and fraudulent nature. I request for this medical collection to be removed from my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Barclays Old Navy reported a 30 day rating under XX/XX/2023 on my credit report under XXXX XXXX XXXX. This account is also still showing as closed under XXXX when it's still open. Reached out about this but this hasn't been corrected. 

This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. Unfortunately, this is the only delinquency reported on my credit report and it has been detrimental to my family 's future XXXX. We are closing on a home soon, and this late payment reported by Barclays is costing us tremendously. I never experienced something like this and it couldn't have happened at the worst time in our lives. I rarely utilize the card and I'm regretting ever using it. 

I'm asking Barclays to please consider removing this late payment from my XXXX XXXX XXXX credit reports. We are already facing high interest rates and high costs of homes. It's unbelievable that a 30 day late payment for a small balance, that I set up an automatic payment for, is affecting us like this. I hold 2 accounts with this company and have always been up on my payments. Regardless of the automatic payment not working out, if they reached out to me about the payment not going through, I would have paid it immediately. 

Again, I'm asking Barclays to please remove the late payment reported under XX/XX/2023 for XXXX and XXXX. And correct the account status from closed to open under XXXX. 

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 2023-03-18
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
hello, last XXXX of XXXX i was looking for a used car online and came across a XXXX XXXX XXXX  for {$16000.00} with XXXX miles. i got a call from the third-party dealership saying they can get me approved for low interest rate and monthly payments i HAD a credit of XXXX or XXXX at the time. in XXXX or XXXX of XXXX i noticed my loan amount was {$29000.00}. 
{$13000.00} more of what the car was listed for ( {$16000.00} ) I didn't notice this until afterwards i was just so happy excited this was my first loan ever .when i asked the bank why did they give me so much of a loan they told me they were told the car was XXXX plus tax fees ; when i contacted the bank they asked for proof of the vehicle being listed for XXXX and i have it and sent it then i was asked to show proof of the dealership confirming in text messages saying the car was XXXX and i absolutely have that proof also. after i sent all the proof they asked i was told that it wasn't enough to open a case and they're going to close it. my monthly payments were {$750.00} i was given a XXXX % interest rate. i was only able to pay from XXXX XXXX XXXX after that i started having alot of trouble paying they repossessed my car and my personal property in the car also they sold all of my belongings which isn't fair, if there's anything anyone can do to help sue them please contact me thank you also the bank is saying i owe them XXXX. which is ridiculous because the car I received had NO accessories in the car nothing!!! i was charged a lot for something that was nothing i was harassed with numerous phone calls Monday thru Sunday from XXXX. CONSISTANTLY the same XXXX people only call i was ignored about my complaint. i never received all of my paperwork. when i called the dealership the next day about my papers i was told " that's too bad it's not my problem that's yours I'm on vacation in XXXX " i almost forgot this but i told the first representative who called me from the dealership i decline the offer and didnt want the car but then i received a private call about XXXX minutes later stating she was a manager from a bank and i was approved. but come to find out she wasnt a bank manager she was the other representative who worked at the dealership. she was pretending to be a bank manager and lured me into a trap basically.

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 2023-03-18
Company: Synovus Bank
State: AZ
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:
There is an account on my credit profile from FIRST PROGRESS CARD with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S. code 6802. For example, my name, social security number, and date of birth. Only a signed contract between I, the consumer and the FIRST PROGRESS CARD would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement.

Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I have not received any debt validation notice from FIRST PROGRESS CARD as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawful caused harm to my consumer report. This is a request for proof of delivery/receipt that FIRST PROGRESS CARD has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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 XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-18
Company: Radius Global Solutions LLC
State: AZ
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:
There is an account on my credit profile from Radius Global Solutions with account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S. code 6802. For example, my name, social security number, and date of birth. Only a signed contract between I, the consumer, and Radius Global Solutions would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 
Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I have not received any debt validation notice from Radius Global Solutions as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that Radius Global Solutions has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt

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