BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: Credit Card Receivables Fund Incorporated
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am Im making this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to XXXX USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CAPITALONE collection is not my account. I have never applied nor authorized anyone to apply on my behalf for any CapitalOne account. I have never incurred nor authorized any charges to a CapitalOne account. I have NEVER had a Captial One credit card. Please remove this erroneous information from my Credit Reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Vengroff Williams, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The issue id from a year ago and the company is trying to bill me for charges that are not valid I was quote one price over the phone and when I return the car they bill me for a higher amount in which I did not agree to. They also bill me for charges for gas in which I fill the tank according to what was stated in the agreement. I then spoke to a manger and they stated they were going to take off the charges. Now on X/XX/17 I receive a notice from a debt collection agency stating that I owe a balance of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXX XXXX XXXX opened up a XXXX XXXXXXXX XXXX XXXX XXXXXXXX account using my information on XX/XX/XXXX. On XX/XX/XXXX XXXX asked me if she could open a second account for herself with my name. XXXX stopped paying on this card once I said yes if she would be responsible for the payments of the said new card unbeknownst to me because this was not a balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Madam/Sir, I am writing this letter to file a complaint about Valley National Bank XXXX Valley National Bank is my mortgage servicer and I have had numerous problems with this servicer. In this particular instance the bank claims that I do not have hazard insurance on my property and although I proved the bank that I have a valid policy from XXXX XXXX XXXX the bank has charged my account numerous times for a third party hazard insurance policy without my approval nor any need for it. 

This is not the first time I had problems with this servicer. I have reason to believe that they have a deficient IT infrastructure and insufficiently trained personnel which leads to substandard processing of the mortgages they service. 

I am attaching all supporting documentation along with the details of my mortgage : Mortgage Property Address : XXXX XXXX XXXX XXXX, NJ XXXX Mortgage Number : XXXX Regards, XXXX XXXX Property Owner

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please see the documents that I've attached for further information regarding what happened.

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 2022-04-22
Company: EQUIFAX, INC.
State: GA
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 item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXX/XX/2022 -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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 442644**** 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: CITIBANK, N.A.
State: IL
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:
My Citi card was compromised. I called Citibank on Thanksgiving day XX/XX/19. Citibank refused to issue conditional credit or even send me a letter stating the amounts in dispute. They claim this is not the policy of their fraud department which is incredulous to me. This happened to me once before for a large number of small charges. I only received credit for roughly 1/2 of them after 3 months of calling them about it, I am not willing to do this again or pay for fraudulent transactions to my card. 

The amounts are : XXXX to XXXX XXXX XX/XX/19 XXXX to XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 TOTAL {$1200.00}

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 monetary relief
Consumer complaint received 2015-11-07
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX -- -- XXXX XXXX XXXX XXXXI AM PAYMENT FOR XXXX XXXX AS PROVE AS SANTANDER CONSUMER USA/AUTO LOAN LAST XX/XX/XXXX SINCE XX/XX/XXXXOR XXXX AS COPY XXXX XXXX PLEASE SEND ME MY ADDRESS IS XXXX NC XXXX CUZ I WILL BE SUIT MY EX HUSBAND ..SO I ALREADY DIVORCE NEVER PAY AS HALF SO I WILL PAY FOR {$52.00} MONTHLY ANYWAY LET U KNOW THAT ALL SMILE .. LET ME KNOW CALL ME XXXX AS QUICKLY THANK U XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: 1st Franklin Financial Corporation
State: GA
Product: Credit reporting, credit repair services, 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:
The creditor First Franklin Pulled my credit report without authorization. On XX/XX/2022 at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I XXXX XXXX entered a consumer credit transaction with Capital One Auto Finance on XX/XX/2020. I investigated and found fraud and several violations committed by Capital One Auto Finance. A consumer credit transaction in which finance charged was involved. 

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A, Exhibit B, Exhibit G and Exhibit H that Capital One Auto Finance is violation of 15 USC 1605 ( a ) regulated by 12 CFR 1026.4 ( a ). A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. Since XX/XX/2020, Capital One Auto Finance in fact, took cash as a monthly payment as shown in Exhibit A, Exhibit G and Exhibit H and took cash as a down payment as shown in attachment labeled Exhibit A and Exhibit B. Capital One Auto Finance is liable pursuant of 12 CFR 1026.1 ( e ).

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A that Capital One Auto Finance is in violation of 15 USC 1605 ( a ) ( c ) regulated by 12 CFR 1026.4 ( b ) ( 5 ). This transaction included a finance charge, and the finance charge includes insurance which protects the creditor against the obligation loss, and or property damage. Since XX/XX/2020, Capital One Auto Finance did not include my insurance in my finance charge as shown in Exhibit A, Exhibit C, Exhibit D, Exhibit E and Exhibit F. Proof I had to obtain insurance is shown in Exhibit C, Exhibit D, Exhibit E and Exhibit F. Capital One Auto Finance is liable pursuant to 12 CFR 1026.1 ( e ).

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A, Exhibit B and Exhibit H that Capital One Auto Finance is in violation of 15 USC 1611 regulated by 12 CFR 1026.1 ( e ). Since XX/XX/2020, Capital One Auto Finance willfully and knowingly failed to provide/disclose information. Required under the provisions of 15 USC 1601. Capital One Auto Finance willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1601 ( a ) and 12 CFR 1026.1 ( b ). Capital One Auto Finance is criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 following accounts 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 602 A It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Acct # XXXX XXXX Acct XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX IMPROPER USE OF CREDIT REPORT/NOT INACCURACIES

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 2021-09-02
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting an account that is not mine. They have failed to proof that their is a legal binding or contractual obligation to pay this debt. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from THIRD PARTIES. I do not recall giving permission to LJ ROSS ASSOCIATES, for them to release my medical information to a third party, I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore I demand that you cease and desist your illegal reporting of this account and have it deleted from my report as soon as possible. 

Here are the laws violated : XXXX. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Bread Financial Holdings, Inc.
State: FL
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:
Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information CB/EXPRESS it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL 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 am herby requesting all above disclosures required by Federal. 

Delete this account from my consumer reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
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: Information belongs to someone else

Complaint:
Creditor Information {$4400.00} XXXX XXXX XXXX XXXX. XXXX, XXXX ( 1 yr, 11 mos ) Original Creditor Name XXXX XXXX XXXX XXXX XXXX  {$640.00} Opened XXXX XXXX, XXXX ( 4 mos ) Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX (  XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX I have reached out consecutively to ALL creditors in reference to this matter they are very unprofessional unconcerned & unresponsive u have various charges that where unauthorized & some presume to be me & are bogus & artificial claims some have been closed reopened as well can someone please respond in a timely manner & ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE ALERTED CRA THAT I HAVE REQUESTED VALIDATION FROM COLLECTION AGENCY AND THIS DOES NOT BELONG TO ME. ID WAS LOST AND THIS IS ID THEFT. THEY HAVE NOT VALIDATED 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 2023-10-03
Company: NORTHWEST BANCSHARES INC
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a text from supposedly northwest bank. 

NorthwestBank A transfer of {$650.00} was debited from your account. To check status click the link XXXX/Northwest To review or Decline immediately. 

The phone number it came from is XXXX ( XXXX ) XXXX. 

I do not even have a northwest bank account to begin with. This is defiantly someone phishing for information. I did not click the link because I should not have to if I do not even have a northwest account. I will be monitoring my regularly used accounts for suspicious activity.

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 2022-09-12
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
PATIENT ACCOUNT BUREAU. A medical debt was sent to collections. We have started paying {$150.00} a week. But since we aren't paying them the {$270.00} a week they wanted for auto debit, they say that they will continue to call. 

I have asked them to stop calling as we are paying down the debt. They say because we are mailing the payment in and not going through " their system '' they cant stop calling. And every time I call they ask for more money than we are already paying. 

Is this legal? We feel as if it is harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: TN
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:
Equifax, XXXX, and XXXX has Violate My right to Privacy. They have violate the PHIUnder HIPAARules. PHI is health informationinany form, including physical records, electronic records, or spoken information. Therefore, PHI includes health records, health histories, lab test results, andmedical bills. I did not give you permission to share my treatment cost, nor do you ave a HIPAA authorization form to report my medical information. This is a direct violate of the law. 

According to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( A ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Your agency do not have a subpoena. I have not give permission in writing to invade my privacy or assumed the inaccurate of reporting my medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Bread Financial Holdings, Inc.
State: KS
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have been charged interest 3 times on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is a 12 month interest free promotion for purchase over XXXX $ made at XXXX XXXX XXXX  The fraudulent activity nos from the company that issues the card that company is comenity also known as bread financial https : //d.comenity.netXXXX  They would not assist me without going to XXXX XXXX XXXX and having one of their employees call comenity, they were on the phone with them for over 2 hours while I was there..this was in XXXX XXXX XXXX I believe, I heard the employee from comenity confirm with XXXX XXXX that the interest would stop being applied namd they would credit me for the 2 interest payments they have already taken..well they took interest again,, I called on XX/XX/ amd tyey said it would be escalated to a review,, amd thats ridiculous, intold them they are scamming people I would love for someone to look into this and assist people being taken advantage of..the employees at the XXXX XXXX XXXX in XXXX XXXX XXXX are aware of this problem and have to assist other customers as well ... they even told comenity they were being dishonest with customers please help!! 
XXXX

Company response to consumer: Closed with monetary relief