BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-28
Company: Experian Information Solutions Inc.
State: MN
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:
I purchased two phones from XXXX who is a wholesale retailer for XXXX XXXX. Both phones were returned on XXXX XXXX 2018 to XXXX and XXXX provided a refund receipt. A refund receipt and credit card refund is attached. The return was within the remorse period by XXXX and honored by XXXX. XXXX was not able to communicate the refund to XXXX communication and they called be about the amount due after many months. I told XXXX that the devices were returned and they need to call their retailer. XXXX made no attempt to reach out to XXXX and so I personally went to the store and asked him to resend the cancellation. XXXX provided a copy of refund receipt. XXXX then sent the amount to the collection and every time I tell collection agency that it has been returned, they sell it to other collection agencies. I reached out to XXXX  to correct the reporting but they reach out to XXXX who keeps confirming. Both XXXX and XXXX are ignoring refund receipt. I have to pay a higher interest rate due to collection and more recently denied credit due to the collection on my report. I have called XXXX but they keep saying that the account is in the collection and they can not open my file. so I am in a vicious loop trying to correct a wrong item on my credit report. I want XXXX to call XXXX  ( phone numbers are there in the attached ) and correct the issue. Also, XXXX  should not report false items when provided proof of payment.

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 2021-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I purchased two phones from XXXX who is a wholesale retailer for XXXX XXXX. Both phones were returned on XXXX XX/XX/2018 to XXXX and XXXX provided a refund receipt. A refund receipt and credit card refund is attached. The return was within the remorse period by XXXX and honored by XXXX. XXXX was not able to communicate the refund to XXXX communication and they called be about the amount due after many months. I told XXXX that the devices were returned and they need to call their retailer. XXXX made no attempt to reach out to XXXX and so I personally went to the store and asked him to resend the cancellation. XXXX provided a copy of refund receipt. XXXX then sent the amount to the collection and every time I tell collection agency that it has been returned, they sell it to other collection agencies. I reached out to XXXX  to correct the reporting but they reach out to XXXX who keeps confirming. Both XXXX and XXXX are ignoring refund receipt. I have to pay a higher interest rate due to collection and more recently denied credit due to the collection on my report. I have called XXXX but they keep saying that the account is in the collection and they can not open my file. so I am in a vicious loop trying to correct a wrong item on my credit report. I want XXXX to call XXXX  ( phone numbers are there in the attached ) and correct the issue. Also, XXXX  should not report false items when provided proof of payment.

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 2020-01-28
Company: CITIBANK, N.A.
State: TX
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: Investigation took more than 30 days

Complaint:
thd ftc or fair debt violation XXXX is reporting the inaccuracy

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 2021-02-26
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company responded telling me they dont need a signed contract or to prove that an account is mine. They refuse to remove it & are telling me that a fraudulent address is mine. I DO NOT owe that account NOR DO I have or ever had any affiliation with the address linked to that account. It is a fraudulent address on my profile XXXX XXXX XXXX XXXX # XXXX agricultural/single family IT IS NOT MINE. If they dont provide a wet signature, signed document, photo, Lease or any other valid PROOF I want it REMOVED with an apology or my next step is contacting my attorney. SEE THE CIRCLED DOCUMENTATION, ADDRESS, ACCOUNT NUMBER, COMPANY & DATES.This is malicious and I WILL NOT let this go without financial recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
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: Information belongs to someone else

Complaint:
ONE XXXX XXXX XXXX ACCOUNT INACCURATELY AND FRAUDULENTLY IS REPORTING UNDER MY NAME AND WITH IN THE EQUIFAX CREDIT REPORTING AGENCY. 
I HAVE TRIED TO DISPUTE AND REMOVE THIS INACCURACY BUT EQUIFAX HAS BEEN VERY MUCH STUBBORN AND IMPOLITE IN THIS MATTER AND HAS TAKEN ME MORE THAN A YEAR TO DEAL WITH SUCH STRESSFUL MATTER, I HAVE FOUND OUT FROM ONE MY FRIENDS THAT YOU WOULD BE ABLE TO HELP ME I DO NOT HAVE THE MONEY TO TAKE A LAWYER AND SUE THEM, HONESTLY I HAVE A XXXX XXXX  XXXX THAT I AM NOT EVE ABLE TO BE STRESSED OR ELSE IT CAN GET WORST. PLEASE HELP ME, YOU R ARE MY LAST HOPE. 
THANK YOU, I WILL BE ATTACHING THE FTC REPORT AND THE POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My ex husband used the automated IVR phone system for Comenity Bank to obtain my current credit card balance and last payment information to use against me. He knew my phone number, address and last 4 of SSN to use the automated system to obtain information he is not authorized to access. There is no way via the automated system to block him using any additional security measure, like a PIN, to deny access to this private information. If he calls into a live rep, I have added a password to deny access. He can not use the website since he does not have login information or the account number. He has not been an authorized user on this account for over a year and not authorized to obtain any information on my account. Because he knows my personal information, it is not considered fraud for him to obtain this information via the automated phone system. If there had been that one extra step of PIN validation, I could have blocked him from access my personal information. By obtaining balance information, he is able to determine when I make purchases on the card and available credit. He owes me for a majority of the highest balance on my credit card he racked up while we were married. The current balance on the card is much less than what he owes since I've been paying it down to improve my credit score, yet he mistakenly believes this balance is the actual amount he owes and he won't pay me the amount agreed in the divorce settlement. He is using my own information against me. From Comenity Bank records, he accessed my account via IVR on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my consent or knowledge. He was removed as an authorized user on the account in XX/XX/XXXX, and we were divorced as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to dispute several inquiries on my credit report that I do not recall authorizing. I demand that these inquiries be removed from my credit report immediately. 

The following are the inquiries I am disputing : XXXX, Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX, Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX, Date of XXXX XXXX XX/XX/XXXX XXXX  XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX Furthermore, in some cases, the data furnisher has violated Metro2 reporting compliance by not reporting their contact information. I request that these unauthorized inquiries be removed from my credit report immediately. 

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 2019-11-28
Company: EQUIFAX, INC.
State: MN
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:
I purchased two phones from XXXX who is a wholesale retailer for XXXX XXXX. Both phones were returned on XXXX XX/XX/2018 to XXXX and XXXX provided a refund receipt. A refund receipt and credit card refund is attached. The return was within the remorse period by XXXX and honored by XXXX. XXXX was not able to communicate the refund to XXXX communication and they called be about the amount due after many months. I told XXXX that the devices were returned and they need to call their retailer. XXXX made no attempt to reach out to XXXX and so I personally went to the store and asked him to resend the cancellation. XXXX provided a copy of refund receipt. XXXX then sent the amount to the collection and every time I tell collection agency that it has been returned, they sell it to other collection agencies. I reached out to EQUIFAX to correct the reporting but they reach out to XXXX who keeps confirming. Both XXXX and XXXX are ignoring refund receipt. I have to pay a higher interest rate due to collection and more recently denied credit due to the collection on my report. I have called XXXX but they keep saying that the account is in the collection and they can not open my file. so I am in a vicious loop trying to correct a wrong item on my credit report. I want XXXX to call XXXX ( phone numbers are there in the attached ) and correct the issue. Also, EQUIFAX should not report false items when provided proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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 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 has violated my rights. 

15 U.S.C. 1681 section 602 A, state i have the right to privacy.

15 U.S.C. 1681 section 602 A, section 2, it also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Reporting company used your report improperly

Complaint:
In accordance with 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 XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A, state i have the right to privacy.

15 U.S.C. 1681 section 602 A, section 2, it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2019-04-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/16 I had my account overdrafted by a single transaction. Wells Fargo shows you your available balance ( including pending added in ). So transactions were made based on what was available and already posted. 

A payment based off a business expense went through that can't be predetermined. Causing a overdraft. Every transaction made before this transaction becomes part of the overdraft and each small transaction becomes a XXXX $ fee even though you had the funds at the time. 

Then Wells Fargo claims if you deposit enough to put you positive within that day ( XXXX ) the fees would be taken off. Which I did They did not honor this and after speaking with a honest rep they admitted this is how they trick customers and how they make there profit. 

I was offered to take off overdraft protection which they stated " allows you to still make transactions so you wouldn't be embarrassed '' but charges you a fee. This all while you are still showing a positive balance. The then at the end of the day take all the transactions after the overdraft transaction and overdraft all those too. 

This is straight misleading and fraud and its there default. 

So a bottle water, XXXX, XXXX in gas, etc ends up being a XXXX $ bill due to only one transaction overdrafting.

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: SYNCHRONY FINANCIAL
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:
I according with fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer credit 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 as late for any purpose.

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: Michael Andrews & Associates LLC
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:
Michael Andrews & Associates LLC obtained my consumer credit report on XX/XX/2022 without my consent from XXXX with no lawful good reason. I do not do business with them and never attempted to. This violates my privacy rights and is of grave concern to me since I continue to be a victim of identity theft and XXXX has neglected to remove fraudulently and inaccurate reporting from my consumer report. I have also been denied for credit products recently due to these fraudulent items. I have called and sent a letter asking for this to be rectified and I have been ignored. 15 USC 1681 4 and 15 USC 1681 4 VIOLATIONS DO NOT TRY TO SAY THIS SI N'T ME AS A STALL TACTIC. I HAVE INCLUDED MY IDENTIFICATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: MARINER FINANCE, LLC
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:
Mariner finance is reporting four charge offs for me. They show sll of them as joint account. I only am responsible for one loan in the amount of XXXX and a few dollars and they have my husbands bad loans reported as I signed. The loan charged off in my name is being reported as Im not paying monthly and it is hurting my credit. My loan was charged off as I was a co-signer with my husband. They will not remove the other reported charge offs that are not mine. I never restructured my charge off to pay monthly snd its being reported thst I keep missing payments currently. Please check documents for my signature. I havent signed for all of them. Theyre not mine and its killing my credit. Ive called them and they know I bl ever signed those loans but will not remove and continue to report me not paying my charge off monthly. Please review the documents on these loans and see Im not responsible for them and remove the three negative charge offs from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX  years ago my ex boyfriend cosigned on a Best Buy CBNA credit card for me. When we broke up he said he was going to close the account so I the account so I cut up the card.. Needless to say he never closed the account and hes using the card and it's affecting my credit and I can not seem to get my name off of this, I can't even talk to anyone at Best Buy credit without knowing the account number and my ex 's social security number and I have no way of reaching him Or the account number... Please help me if you can

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: Experian Information Solutions Inc.
State: NC
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:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2020-12-03
Company: UNITED AUTO ACCEPTANCE
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX, I called United Auto Acceptance Inc. to place a one month deferment on my car loan due to unemployment as a result of the coronavirus pandemic. My payment history with United Auto Acceptance, as of XX/XX/XXXX was current and in good standing. I was notified during my initial call on XX/XX/XXXX, that a United Auto Acceptance customer service representative did not have the authority to place a verbal deferment on the account. I was informed by the customer service representative to contact XXXX XXXX, by email, to request a formal deferment in writing. I sent multiple emails to XXXX XXXX, XXXX and XX/XX/XXXX but I never received a reply to my many emails. Since a deferment wasn't applied to the account, my XX/XX/XXXX payment was reported late to the credit bureaus and I was assessed late fee. I made many attempts to resolve the negative credit reporting issue with United Auto Acceptance but have been unsuccessful. According to the provisions of the CARES Act, I was in my right to request a deferment due to the pandemic and unemployment however United Auto Acceptance was not receptive to my request for deferment. I would like United Auto Acceptance to reverse the 30 day late payment reporting to the credit bureaus and credit back the respective late fees to my account.

Company response to consumer: Closed with explanation