BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: Self Financial Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was reviewing my consumer reports for accuracy and recognized multiple errors. I am due for compensation in accordance with 15 USC 1692k. I closed my account around XX/XX/XXXX due to learning that Self Financial and XXXXXXXX XXXX  deprived me of my consumer rights.The purpose and importance of the TILA is to protect consumers against inaccurate and unfair billing and credit card practices.I am writing because I made an uninformed decision when I payed {$200.00} to open a credit card. At the time I did not know credit is a right given to me by GOD. 15 USC 1605 clearly states that the finance charge is the sum of all charges and not include cash. Self violated the Truth In Lending Act by imposing I exchange my time to build credit that was alreadya right given to me.My XXXXXXXX shows an open date of XX/XX/XXXX but my XXXX report shows XX/XX/XXXX. My XXXX account status shows as charged off, but my XXXX report shows my account status as paid. Both reports contain multiple errors including late payments. If the information were accurate all information on any report would be an exact match. It is not. Self or XXXX also failed respect my privacy and breached their fiduciary duty by not providing an explanation as to how to opt out of reporting. This is not acting in my best interest or in good faith. 
In addition to that, Self Financial continues to harassme via email every month. Self continues to attempt to collect debts not owed. Self continues to report false information to my consumer report causing my reputation, credit report, and credit score to be damaged in more ways than one. The account has been closed since XX/XX/XXXX. Why is Self demanding I pay late payments for every month of XXXX? As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Self Financial is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert yesterday on XX/XX/21 fron XXXX that there is a collection account flagged in my account. As collection account was viciously added to my account when I am not aware who is party is nor have any uncollected debt with XXXX. 

I have a XXXX account and it is current as of this month. I therefore do not understand why the debt collector would attribute this collection account to me. 

Debt collection practice is ruthless with no regards to understanding how they can ruin someones credit and adding this collection to my credit has already caused damages. 

The collection agency has to provide proof of the debt owed to XXXX ; otherwise this debt collection should immediately be removed from my account. 

I am attaching proof that I am a XXXX customer with a current account. Therefore this so called XXXX debt is either fraudulent or erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint to dispute the collection account that is currently appearing on my credit report. I am requesting the removal of this account from my credit file under the Fair Credit Reporting Act ( FCRA ) section 605b. This collection account resulted due to my Identity being stolen, and as such, it should not be reported on my credit file. The FCRA states that " consumer reporting agencies must block the reporting of information that is the result of identity theft or fraud. '' ( 15 U.S.C. 1681c-2 ). I did not authorize or make any transactions that would have resulted in this collection account being reported. Therefore, I believe this account is a result of identity theft or fraud. I have taken steps to resolve this matter with the creditor directly, and they have acknowledged that the account is fraudulent. They have provided me with documentation stating that the account has been closed and that they will not pursue collection on this debt. I am referring to this account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$940.00}

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 non-monetary relief
Consumer complaint received 2020-09-14
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Amex closed my account witouth my consent, they are breaching the contract by not complying to reopen my accounts. Amex Hilton Honors and Amex XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I requested to have all addresses except my current address removed due to the fact that none of the old addresses are connected to current accounts and the old addresses are unmailable addresses. CSR stated they had been deleted ; however they are still listed on my current report

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: TD BANK US HOLDING COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid the entire bill via check and USPS mail, forgetting that I could have paid via bill pay. The mail was sent during harsh wheather. By the time they received my mail and processed the check, another late fee was assessed.

Target Company did not follow the mailbox rule and defrauded me even though it was their fault. 

Current outstanding balance is based on a new late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I called in and spoke to a rep from TransUnion and advised that there were inaccurate information in my report that I did not give consent to. I did not authorize any of these companies to have acess to my credit report for inquiries.. 
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 2023-11-27
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Got a prepaid gift card from online XXXX as a rebate for buying certain amount, got the rebate several months after, now it expired in XX/XX/2023, asked for replacement card XX/XX/2023 but prepaidcenter refused to replace because it expired. I did not use the card at all. Called XXXX too and said to call card issuer. I thought california has a law on this prepaid card XXXX. Why they won't replace it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Lendmark Financial Services
State: OH
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:
On or about XX/XX/2023 I requested that XXXX conduct an investigation into several items on my personal credit report. At the same time I notified the alleged creditors that is was requesting validation of the alleged debt I did not and have not heard back from the alleged creditors at all however XXXX was able to somehow validate the debt. XXXX also performed an investigation on these same alleged accounts and was NOT able to validate or verify the false info and removed accounts from my file. XXXX was not able to validate the debts but yet said they had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
My wife and I bought {$10000.00} worth of IRAs from Columbus Bank and Trust Company ( CB & T ) from XXXX to XXXX in XXXX XXXX, Georgia. I have recently found them, the CDs, in my desk in my house as I forgot about them completely. CB & T was bought out by Synovus Bank. I have attempted to redeem the certificate of deposits to an individual retirement account from the bank along with all interest. I have spoken to branch bank, then to the main branch in XXXX, Georgia. The main branch in XXXX said they will talk to the main branch in XXXX to a historical section of the bank to find out about these CDs. I have spent 3 months trying to resolve this with the bank and have been unsuccessful. My daughter has spoken to the branch in XXXX numerous times and she was assured that a satisfactory solution would result. I have not received any funds or a reply from Synovus Bank about what happened to the CDs. My telephone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 XXXX  Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-04-05
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies Experian, XXXX, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-12-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per FCRA, as a federally protected consumer, I exercise my right to opt out of any and all authorization, I the consumer may have given XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), Experian, XXXX, XXXX, all other credit reporting agencies whether written, unwritten, verbal, and non verbal for the following account : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX All pursuant to 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. 
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent.

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 2023-01-17
Company: EQUIFAX, INC.
State: GA
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:
I recently learned that XXXX XXXX Auto Loans reported a business auto loan on my personal credit report for the original loan amount of {$32000.00}. 

I contacted XXXX XXXX Auto Loans on XX/XX/2023 and was told to dispute that this is a business auto loan and not a personal auto loan and to request that this information be removed from my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have requested validation from XXXX as I do not owe a debt that they are reporting to my TransUnion report. They do not validate and TransUnion does not investigate my dispute. I have also filed a claim with ftc.

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 2022-10-13
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, I paid American Express {$70.00}. Additionally, on XX/XX/2022, I paid the XXXX XXXX of {$2000.00}. After paying my account XXXX XXXX, XXXX XXXX later, on XX/XX/XXXX, I received a bill for {$42.00} despite having a XXXX balance. For this reason, on XX/XX/2022, I spoke with several representatives, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, about interest charges owed on a XXXX balance. He told me the bill was valid and that he would credit me {$20.00}. However, when I called back, another representative said I had to get approval before receiving the credit. This is my second time dealing with this problem with American Express. On the previous occasion, the representative told me there was no charge on a XXXX balance and fixed the error ; however, this time, the representatives elected not to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: SC
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 sent me a credit without my authorization place XXXX on my credit. also the inquiry cause my score to drop. I currently in the process of purchasing a home. reach out to the fraud department, The card is not active ha no charges on it I want this remove from my credit and my score updated immediately

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 2022-09-28
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
During the year XXXX regions bank has charged me overdraft fees in the amount of {$800.00}, all of which on my account balance showed enough money to cover every charge that was on my account. when regions were contacted about the overdrafts and the fee 's associated with regions informed me of the overdraft policy but was unable to explain how my balance was able to cover all the charges but then the next day have a negative balance and an overdraft fee for multiple charges. I contacted the main branch and brought bank statements and showed how the night before I had the money to cover every charge on my account then the next morning I would have a negative balance and several overdraft charges the banker called customer service and still could not give me an answer as to how this was happening but informed me that I had to pay the {$500.00} dollars after I had already paid {$300.00} of fee 's that they claimed was overdrafts. since then regions has charged off my account and Im unable to sign into regions at this time, I have switched banks still have all the same bills but have not had a single overdraft fee.

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 2023-01-09
Company: BARCLAYS BANK DELAWARE
State: AL
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 made a purchase for XXXX in XX/XX/2022 they refunded me in XXXX due to a cancellation. The old navy card was taken over by Barclays and I called them in XXXX to be sure it wouldnt be a problem. They said it wouldnt but would take up XXXX weeks to resolve. They funded me the money back in XXXX but then took back out on XXXX. Ive called multiple times.and sent in paper work from the merchant saying it was refund in XXXX. Letters sent out XX/XX/XXXX. Still not resolved

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX With this account I did not have late payments. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE XXXX XXXX The following personal information is incorrect

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 have had a credit score of over XXXX for at least 20 years and this is constant. Nothing new in my financial life is changed. Never paid interest on credit cards because I pay them off every two weeks. My savings is over XXXX in XXXX. I have outstanding credit worthiness and available credit to me is over XXXX. 

Transition decreased my score by XXXX points and when I talked with a Customer service rep. he could not tell me why. Nothing in my report is adverse so now I have this change from Excellent to Very Good for no apparent reason. I will be applying for a small home loan in the future and this will affect my interest rate negatively..

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