BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: ENCORE CAPITAL GROUP INC.
State: CO
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:
Discovered unknown address in XXXX, GA listed ( from sometimes in XXXX XXXX to sometimes in XX/XX/XXXX ) on my credit report ( reported by Midland credit management/MCM ) when applied for a credit card at XXXX XXXX XXXX XX/XX/XXXX. Discovered items purchased with a fraudulent credit card from XXXX XXXX The items purchased are not ones in the brand I have ever used, and I don't even have kids to be buying children 's stuff. Account was applied in XX/XX/XXXX, by stealing my identity, but with that unknown address in XXXX above. My credit report shows that unpaid debt was charged off on XX/XX/XXXX, and the following month it was sold to MCM above, who also reported the debt ( fraudulent ) with that address in XXXX above. They must have gotten that address from an ID theft who stole my identity, because I wasn't the one opening the account. Filed a claim with both companies within the last month or two, but XXXX wouldn't want to be responsible to fix their report to mark it as fraudulent, and MCM denied the claim and told me to file a police report, and so I did file a police report on XX/XX/XXXX. Also filed with FTC, who is assisting me with a recovery plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
we ( my XXXX  and i ) bought a time share with many pages of contract. part of the pages of the contract was the application for a new credit card. 

When the card arrived i shelved it for a week before i called to " ACTIVATE '' the card. Then several days later when i tried to use the card it was " denied ''. When we checked online why the card was denied we found out that it had a {$14000.00} charge already applied to it. 

We then denied the charge and was told that the charge was applied as the account number and the security code were present when applied. 

My question is this " is it customary to apply charges on a card before it is " ACTIVATED '' what if i never called to activate it who pays for a unacceptable funds that accumulated from it's existance?

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 2024-01-20
Company: ALLY FINANCIAL INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 

XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX XXXXXXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXX XXXX XXXXXXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXX XXXX My credit wa ranned twice with them, I didnt give them authorization to run my credit. 
XXXX XXXX XXXX credit wasnt supposed been ranned at all with this company. 
ALLY FINANCIAL-XXXX  This company didnt have the authorization to run my credit at all.

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 2024-01-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Subject : Complaint Regarding Unjust Charges on Closed Credit Card - Case # XXXX Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention a concerning issue I have been experiencing with my credit card, and I am seeking your assistance in resolving the matter. 

My case number is XXXX, and the situation revolves around an unauthorized charge on a credit card that I closed in XX/XX/XXXX. The charge in question was added to my closed account in XX/XX/XXXX for a subscription that I had already canceled. I possess written confirmation from the merchant, dated XX/XX/XXXX, affirming the cancellation and assuring me that no further charges would occur. 

Despite providing this evidence and requesting the reopening of my dispute case, I have been informed by Barclay Bank that they are unwilling to reverse the charges. This denial is perplexing and frustrating, as it contradicts both the evidence I possess and the assurances made by the merchant. 

I am reaching out to the Consumer Financial Protection Bureau in the hope that you can investigate this matter and help facilitate a fair resolution. It is disheartening to find myself in this situation, and I believe that the unauthorized charges on my closed credit card must be rectified promptly. 

I appreciate your attention to this matter and look forward to a timely and just resolution. 

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 explanation
Consumer complaint received 2023-12-23
Company: SCS Credit Corporation
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The car was a lemon in now they trying to say I owe XXXX when they came in got the car in sold it it was to much work needed to be done on the car in I tired getting fix mechanic said was in no reason because the car was old just get this let it go back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As the consumer, I hereby dispute the accuracy and completeness of the contested information. I categorically refuse payment for the accounts associated with CREDIT ACCEPTANCE CORP, specifically account # XXXX. My primary concern lies not in validation and verification but in the existence of inaccurate data within my consumer report. 

Pursuant to UCC Article 9, the lender is obligated to furnish certain notices pertaining to the repossession and disposition of the collateral. Non-compliance with these notice requirements may have implications on the legal validity of the repossession. Notably, I have not received any deficiency notices.

I wish to assert my right to challenge misinformation, substantiated by evidence exposing questionable practices. These practices range from the use of inappropriate language intended to harass, oppress, or abuse ( contravening 15 U.S.C. 1692d ( 2 ) ) to engaging in deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ).

Failure to address this matter within the next 20 days will compel me to escalate the issue to the United States District Court. While I prefer an amicable resolution, the urgency of the situation necessitates swift attention to avert legal proceedings.

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 2018-11-20
Company: BARCLAYS BANK DELAWARE
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:
I have been contacting Barclays, who appear on my credit file as BRCLYBANKDE, trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a credit card of some sort. On my XXXX report, there are inquiry date of XX/XX/2018. Neither of these did i authorize or give permission. They are a result of fraud.

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 2023-12-09
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
SLS with malice and intent after I contacted the tax office TO FIND OUT WHY MY TAX PAYMENTS were being returned and also refunded.SLS was receiving refunds because they made tax payments that were not correct.I reported them to CFPB because I could not get them to stop with charging fees that were not due.Paying tax amount that was not due.The proof is in the letters from XXXX XXXX XXXX.SLS refused to resolve .EVEN AFTER THEY ADMITTED IN XXXX XXXX XXXX XXXX XXXX  .SLS STILL ISSUED A 1098 SAYING THEY PAID {$2000.00} IN TAXES.SLS told CFPB they paid {$1700.00} XX/XX/XXXX and {$750.00} XX/XX/XXXX TOTAL {$2400.00} .SLS admits to {$700.00} refunds CFPB XXXX saying any other refunds they will forward to new lender they transfered loan XX/XX/XXXX ( I have the letter ) SLS SLS refused to correct the file with charges that when XXXX XXXX XXXX received the loan they reversed the FRAUD CHARGES, ONE was put in as a priciple curtailment of the loan.OTHERS WERE CHARGES TO TRANSFER TO INVESTORS XXXX also insited on payments that were not due refusing to accept canceled checks .SLS knew in XXXX XXXX XXXX XXXX XXXX XXXX was sending another refund {$640.00} SLS sent it back to tax office un cashed ( when they knew it was issued to them ) after they assured CFPB any other refunds they would transfer.Tax office reissued {$640.00} SLS cashed it XX/XX/XXXX SLS sent me a 1098 showing they paid taxes XXXX of {$2000.00} IMPOSSIBLE {$2400.00} was the lie thay told of paid taxes XXXX - {$700.00} ( admitted to CFPB ) {$1700.00} - {$760.00} paid by XXXX phone to XXXX XXXX XXXX XXXX XXXX XXXX XXXX by XXXX {$1300.00} payment - {$980.00} mortgage payment {$610.00} left XXXX REFUSED THE REFUND SENT TO THEM XXXX  NOT CASHING UNTIL XX/XX/XXXX So the 1098 sent to XXXX YOU HAVE A COPY ALSO I GAVE YOU XXXX  1098 SO YOU CAN SEE THE TATICS USED ON ME AND THE IRS THIS IS WHY THEY MANIPULATE XXXX LOAN TO GAIN FEES AND GET TAX CREDIT FROM IRS THEY DO NOT DESERVE I ALSO SHOWED FROM THE TAX OFFICE PROOF SENT TO THEM EARLY XXXX XXXX  IT ALSO SHOWS THE {$54.00} I PAID IN XXXX THEY REFUSED EVEN WITH TAX OFFICE AND ME THE STILL DID NOT CHANGE THE 1098. 
I HAVE PROOF OF my tax payments and the refunds i received because of their interferance ... ... .done with full intent to defraud

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 2023-12-09
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank account was hacked and the hacker stole {$1800.00} from my account. I have been a client of the Citibank for about 20 years. This account was in good standing for about 20 years. The Citibank response to this incident was that I have to wait until they finished with the investigation to return my money. I do not think this is fair because my money was stolen because simply the Citibank online security system failed and I do not think that I have to wait to get my money back because of failures with their security systems. The hacker went into my account, deleted my pin, add a payee, and did a wire transfer transaction. It is incredible and unbelievable how the Citibank let this hacker to do all that, and even worse, I do not believe that as a client for about 20 years should be treated the way the bank is treating me. The bank is rejecting a provisional credit to me and they wanted me to wait for something that clearly was a negligent from its side to protect my bank account. Since this incident happened, the customer service from the Citibank is been horrible, it seems that the bank is only interesting to look for its own benefits and does not care for me as a client.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: DISCOVER BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Receivable Management Services LLC ( RMS ) is a third party debt collector who was contacted by XXXX XXXX XXXX XXXX to collect a debt. Which is a violation of 15 USC 1692c.I I started a vehicle insurance policy on XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX I got a collection notice from RMS on XX/XX/2020 threatening to report negatively on my credit report, which is a violation of 15 USC 1692d ( 2 ). I did not know I could dispute the debt. I paid this debt off on XX/XX/2020. This is on my credit report as a collection/charge-off.

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 2019-09-14
Company: EQUIFAX, 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 contacted XXXX and get better understanding off my loan. The loan was originally with XXXX XXXX but they closed down and XXXX bought the loan. 
I don't understand what's going on with this loan ( ACCT : XXXX ). For the month of XX/XX/XXXX {$250.00} were paid to XXXX XXXX/XXXX but the customer service representative told me over the phone that only {$100.00} was received. The total payoff for the loan should be less than {$450.00} at the moment but I'm being told that there's a higher amount and I don't have to pay until XX/XX/XXXX. How is this possible? Could you please help understand what is going on. Attached to this email is a copy of Leave and Earning Statement ( LES ) and Allotment information that shows my payments. I believe the interest rate of this loan has raised without my knowledge and agreement. The company is NOT reporting to the Credit Bureaus at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 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 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2022-05-04
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1100.00XXXX XXXX XXXXXXXX Balance : {$820.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX  XXXX Balance : {$400.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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.

has violated my rights. Or a 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