BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: FL
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:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo Dealer Services is showing an account ( XXXX**** ) with a last active date of ( incorrect - fraudulently ) XX/XX/XXXX. They aren't reporting any payment history, either, and have not responded to my many requests for verification of their invalid dates - given that I have shown them the last activity made was in XX/XX/XXXX with my canceled checks from their bank and their repossession documentation they sent, meaning the statute of limitations for both debt collection as well as credit reporting expired in XXXX, XXXX. I made many attempts to work with them after they sold the care for less than pennies on the dollar back in XXXX, and since, but they are an immovable object. Even now, when they are clearly in violation of the statute of limitations, they continue to act in their best interest, no matter the consequences to me and my family. I would appreciate if you could get this item removed from my three credit reports, as it should have been three months ago, and have WFDS cease and desist all collection activity on this account. 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 2022-09-01
Company: BARCLAYS BANK DELAWARE
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy on all accounts.

15 USC 1681 Section 604 A Section 2 : It also sates a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose or reason.

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 2022-09-01
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/22 received back to back calls at XXXX pm cst then again at XXXX cst. When I called back to complain about harassing calls back to back then again less than 3 hours later the representative hung up on me. I called back was immediately put on hold waited for a representative asked for a supervisor and was put on hold then sent to voicemail. They also stated it was their auto dialer in which they do not have permission to call my cell phone on an auto dialer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Continental Finance Company, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have called several times about my card declining when i use it for online purchases and i store purchases. I keep getting my card locked and supposedly noted to the account details so that it doesnt happen again but its just a vicious circle calling and waiting calling and waiting calling and waiting with broken promises and i also paid the annual fee early. never had such bad service in my entire credit card experience.

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 2017-08-25
Company: Perfection Collection
State: MO
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:
A company called perfection collection appeared on my credit report recently. You can never get a hold of anyone one. their voicemail is always full. When I researched the company online, it states their a fraud, and that they try to collect on accounts they do n't have the right to, and that they never credit funds to account, etc. when I researched, this was for an old account with a security company over 4 years ago, which was taken care of, they picked up their equipment. Now recently some new company perfection collection is trying to collect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: BMW Financial Services NA, LLC
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:
TO CFPB- THIS IS LAW- THIS COMPANY HAVE TO ABIDE BY LAW AND YOU MUST SEE THAT THEY DO OR YOU WILL BE IN VIOLATION : Under the laws UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

If no such proof is provided within 15 days from receipt PER LAW, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has been sending documents to me that owe for this medical bill. I do not owe the bill because I am a member of the XXXX XXXX XXXX so I should not have a bill. I wish you would help me take care of this matter. The XXXX occurred in 2021. The bill should have been paid in full by the hospital. Reference # XXXX. The XXXX XXXX XXXX # XXXX. I have requested a letter stating that 100 % of any XXXX is paid for 100 %. They will submit this information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i have asked them to not call me, email me or not to give any of my personal information to any company for any reason and since my account was closed in XX/XX/XXXX i have received 11 e-mail 6 of which in the last 30 days and 7 calls and 2 of which i took as threatening the other 5 was displeasing they also have some kind of fico account with access to my credit information with out my permission and they still had me enrolled in some sort of solicitation which i never asked to be opted in or enrolled. 
i opened that account with money that i got from my mom. my has passed away all of that pain came back how can they just take advantage of me they have caused Defamation of my character, insulted, degraded, and harassed they keep sending and calling me about home loan i don't wont to sale or get a loan on my house and my info is in the hand of companies like XXXX XXXX XXXX , XXXX and have been updated in the last 30 days

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the 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 2022-09-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Hi, I had an account with Comenity Bank ( XXXX XXXX branded card ). I missed to make a payment with them and they have directly reported my account to credit bureau. Comenity bank did not try to contact me via Phone, email or postal mail to see if I can make a payment. Instead, they went ahead and reported to credit bureaus. I am having a very severe impact due to this for getting a competitive rate for my home purchase / Auto loan. 

I have requested comenity bank to remove the reporting as they did not make any attempt to reach out to me, but they have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
This is an old account, more than 12 years old and no longer on my credit. They keep calling me and Ive told them to stop. They dont listen and continue to call me. It is also against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Multiple unauthorized and not notified or emailed about charges on XX/XX/2021-XX/XX/2021 for {$2.00} totaling around {$510.00} from XXXX XXXX I dont use android or XXXX because I have a XXXX nor do I ever make transactions like these I panicked and contacted the bank when I seen my account was at a {$1.00} and never got a text like I always do or email why wasnt this red flagged for suspicious activity I also just had a class action settlement again Bank of America because someone stole {$5000.00} recently as well and they refused to give it back until I involved CFPB so please help again I need my money I filed a claim and keep getting told ohh we are working on it its pending

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 2021-09-11
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I need to cancel my savings account whith citi bank is not useless XXXX XXXX I gat my taxi 's and a working place deposit to that bank and I don't get a XXXX to use my account and after all I can use my account.

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 2021-09-23
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Opened account with GM Financial on XX/XX/2020 with my social security number which was a consumer credit transaction. GM Financial received full payment and has also been receiving monthly payments which has not been to my benefit. GM Financial has violated my rights as a natural person and consumer. I have attached the documents I sent out to GM Financial on XX/XX/2020. I have also attached proof of down payment in the amount of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CRED Technologies dba cred.ai
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My purse was stolen out of my car. Inside was my wallet and phone. Immediately had an authorized charge. On my phone I use XXXX. My Cred.ai account is linked to my XXXX. So, even if my XXXX balance is {$0.00}, I could still make a purchase using XXXX account, and the funds will automatically be deducted XXXX from my connected credit card account. Whoever took my purse, attempted to use many of my accounts. They were successful by using my XXXX. There were two money transfers or two payments made to another XXXX user. Cred.ai asked me where do I keep my PIN numbers to my accounts. Well, I have it written behind a picture in my wallet. But I suspect that my purse and phone were actually stolen by someone I know and someone who may be close to me. Whom may be privy to the codes I typically use. Cred.ai denied my unauthorized charge claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: ALLIANT CREDIT UNION
State: LA
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, coming in proper person, and as a consumer and natural person expressed A dispute and billing error notice that was sent to Alliant Credit Union on XX/XX/XXXX at XXXX hours regarding two items that was not what they were guaranteed to be by the seller/merchant, XXXX XXXX  XXXX The first disputed item was in the amount of XXXX USD charged on XX/XX/XXXX. The second disputed item from this merchant/seller was in the amount of XXXX USD also charged on XX/XX/XXXX. The total dispute was XXXX USD. On the initial attempt to dispute I was directed by Alliant Credit Union reps to attempt to work this issue out with the merchant. After reaching out and getting a response from the merchant stating that they were awaiting the fee schedule to return payment I forwarded this info to Alliant Credit Union Dispute Team @ email address : XXXX on XX/XX/XXXX @ XXXX hours. I received a response from that email @ XXXX hours on the same day stating " Thank you for your inquiry. We have received your email and it will be forwarded to a Chargeback Analyst for review. '' It has been almost 3 months and I have not been granted my reimbursement even with the founders of XXXX XXXX going public on social media expressing the intent refund alls consumers who purchased the items. The link to this public announcement was attached in the email sent to the Alliant Credit Union via XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: NV
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:
15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I have reach to XXXX XXXX many times to update my late payments on my credit from XXXX. I just placed another call XX/XX/XXXX and a rep stated on a recorded line they can't see my account dated that far back. How was this looked into before

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 2021-11-23
Company: Square Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I used square card to take payment for items i was selling online. Square card sent the invoice to the customer and took payment via credit card from the buyer. They put the money in my account. I then shipped the items to the buyer, received signature confirmation! Several weeks kater a chargeback was filed as " not recognized ''. I provided square card with all of the emails which stated he had received the items, and filed the chargeback because he thought i was a scammer, but he would call gis bank and try to cancel the cchargeback, apologize for the confusssion. Dispite all of this evidence the money is still being taken from me. The amount is {$3100.00}, i am expected to pay even though i have no product. I tried to speak with square and they blocked my phone calls and are now threatening me with collections. I had to file a police report as this is FRAUD, he buyer clearly stated he got the items, and filed the dispute in error. His reasoning of " not recognized '' is clearly fraud and nothing is being done about it. It is considered grand larceny according to my local police dept. They should be going after the card company and or the card holder as fraud is illegal, and they have evidence of him admitting to such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
XXXX XXXX XXXX Account # XXXX XXXX & XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-01-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Pursuant to 15 USC 1681 ( 2 ) ( a ) ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumers report. The following reportings are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be removed from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41.

Company response to consumer: Closed with explanation