BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: ALLY FINANCIAL INC.
State: SC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I HAVE A CD WITH ALLY BANK. THE CD RENEWED FOR 1 YEAR ON XX/XX/XXXX. I NOTIFIED ALLY BANK IN XXXX WHEN I RECEIVED NOTICE OF RENEWAL THAT I WISHED TO CLOSE THE ACCOUNT. ON XX/XX/XXXX I RECEIVED A LETTER STATING THE CD HAD RENEWED. I WAS OUT OF TOWN UNTIL XX/XX/XXXX AND CONTACTED ALLY BANK UPON MY RETURN. I WAS TOLD THAT MY PREVIOUS REQUEST WAS ON FILE BUT THE TELLER FAILED TO PROCESS IT PROPERLY AND IT WOULD BE TAKEN CARE OF WITH NO EARLY WITHDRAWAL PENALTY. THREE WEEKS LATER AND STILL NO CHECK. I CONTACTED ALLY BANK ON XX/XX/XXXX TO DETERMINE STATUS. ALLY INDICATED THAT THE ACCOUNT WAS STILL OPEN AND ACKNOWLEDGED PREVIOUS CONVERSATIONS AND WOULD EXPEDITE MY REQUEST. I WOULD THINK THAT 2 MONTHS IS LONG ENOUGH TO CLOSE AN 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 5. Validate prove it with a wet signature this debt belongs to me. This information is inaccurate per FDCPA section 807 violation misleading false reporting Account Number : Please investigate and delete from my credit report. 
6. Validate prove it with a wet signature this debt belongs to me. This information is inaccurate per FDCPA section 807 violation misleading false reporting Account Number : Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the United States Bankruptcy Court XXXX XXXX XXXX Texas " XXXX XXXX Number # XXXX '' asking if they do in fact report bankruptcies to the credit bureaus and I got a reply stating the court ( does not report information to any credit reporting agency ''. So, if this is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never conducted a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights several times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy. 

According to : 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: Lewis, McDonnell & Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I assert that your agency 's actions in attempting to collect this debt have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. The following violations have been observed : 1. Agreement bearing my signature, Verification and validation of the alleged debt, including the original creditor 's name and contact information, the account number, and a detailed breakdown of the alleged charges.

2. A complete account history, including the date of the alleged delinquency, any payments made, and any additional charges or interest accrued since the alleged default.

3. Copies of any communication or documentation sent to credit reporting agencies regarding this debt.

Your agency is required by law to provide this information and fully comply with the FDCPA regulations. You have Failed to do so and will be considered a violation of my rights, and I will take appropriate measures to address these violations.

Lack of Verification : Despite my multiple requests for verification of the alleged debt, your agency has failed to provide substantive evidence validating the debt 's authenticity.

False or Misleading Representations : Your agency has made misleading statements and threats regarding legal actions and negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Kinum, Inc., Indianapolis, IN Branch
State: SC
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:
i reached out to Kinum collection agency regarding music and arts about a debt owed for XXXX for a clarinet on XX/XX/XXXX, that was opened up an account on XX/XX/XXXX from XXXX in XXXX XXXX sc XXXX located at XXXX XXXX XXXX I returned this clarinet on XXXX XXXX and I was unaware of this reporting on my credit until I pulled my report I have made numerous of attempts to reach XXXX XXXX   and have been unsuccessful so today I reached out to XXXX XXXX XXXX at XXXX and spoke to XXXX she informed me to contact kinum bc they couldn't assist me and they now have the collections so I called and was told that they have been reaching out to XXXX  to confirm this debt and have been unsuccessful also I need this removed from my credit file if it cant be confirmed and a updated report sent to me I am in the process of purchasing a home and this is corrupting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/23 I charged {$2100.00} to XXXX for a hospital bill. I advised I was using my care credit card. When my statement arrived on XX/XX/23 there was no promotional period with deferred interest. I called Care Credit and was told the merchant must have entered the transaction incorrectly. 

On XX/XX/23 I charged {$470.00} at Lenscrafters for eyeglasses. I handed them my care credit card. When my statement arrived on XX/XX/23 there was no promotional period with deferred interest. I called Care Credit and was told the merchant must have entered the transaction incorrectly. 

I believe this is a pattern of deception in an effort to collect 26.99 % interest from me rather than permitting the typical XXXX months interest deferred promotion. 

I have cancelled my card due to their deceptive practices and want to file a formal complaint. I will take a personal loan so as not to pay the predatory interest rate that was forced upon me. I have been a loyal customer of Care Credit for more than XXXX years and did not expect this treatment.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

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 2018-12-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
My childrens father lost their job over the summer and I told the agent this information when going to do the loan. I told him that I just need enough to pay my electric bill and feed my kids. They insisted I take the whole loan of XXXX even I expressed concerns of being able to pay it in a timely fashion. So when it first went to collections I was suppose to set up a payment plan of XXXX every two weeks to get it paid. I never received a conformation email so they never took their money and when I contact the actual establishment they sent me on a run around. So I waited for the phone call that it was in collections. XXXX XXXX called. His number ( XXXX ) XXXX Ext XXXX. He was very abrasive and rude. I was trying to understand why it was XXXX and why they would need to garnish my check if Im willing to pay. He told me I was irresponsible and this was also a bill that needed to be paid and I was telling him that the only reason it wasnt was due to my boyfriend loosing his job. He interrupted that conversation and basically forced me into a payment plan that is unreasonable for a mom to pay on top of bills. I want to settle the debt but they are no giving me a fair chance to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
Midland credit management and XXXX XXXX XXXX did not validate the debt and can not report on my credit over 30 days ago. I requested both debt collectors to validate that they have not responded. 
I disputed it with XXXX and they ignored the fact they are in violation of the fair debit collection practice act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
on XX/XX/2020 I initiated a deposit INTO Coinbase from my bank account. My bank statement says : - {$200.00} to merchant COINBASE. 
When I go on the app it seems there is no history of me depositing the money nor has it arrived yet. 
Every time I try to open a case they close it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
On XX/XX/2019, I paid {$60.00} for 18 holes of golf for three people at the XXXX golf course, via my Bank of America VISA card. I mentioned to the pro shop attendant, XXXX, that the weather looked ominous. She told me not to worry, that if it started to rain I would be issued a rain check. After two holes, it started to pour so we returned to the clubhouse only to be told that we would not be issued a rain check because the pro shop was closed. I called the pro shop the next day and was told that since no one was there to vouch for the weather, they wouldn't issue a rain check. I told them that staff were there, just not in the pro shop. They refused. I disputed this claim with the Bank of America. They denied my claim, saying I did receive part of the service and the remainder was outside the merchant 's control. I called and spoke with someone in their dispute department who said there is " nothing we can do ''. They did not investigate the claim. It is a well-established practice for golf courses to issue rain checks and this situation is unreasonable.

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 2023-07-19
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chime closed my account on XX/XX/XXXX due to violating terms. I had a private person send me XXXX XXXX I contacted them and was told I would receive the balance within a month, 2 weeks to allow for any pending transactions and 2 weeks for mailing. I was told on XX/XX/XXXX I believe ( see attachments ) that I would receive my balance within a month. I contacted chime on XX/XX/XXXX as I still hadn't received my check in the mail. They contacted me today, XX/XX/XXXX and said my account was not eligible for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to fix this situation with Exeter which they sold this fraudulent account to XXXX XXXX XXXX, I have sent letter to provide information of : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing / leasing of this vehicle. Please be sure to include any arbitration provisions. 
2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment. 
3. The Notice of Sale / Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. Please provide proof of mailing for this letter.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. Please provide proof of mailing for this letter. 
5. Any notices regarding our clients right to redeem personal property contained in the vehicle. Please provide proof of mailing for this letter.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to non-professional buyers. 

Nothing has been sent back to me. Letters were sent on XX/XX/2022, XX/XX/2022, and i even submitted complaints of fraudulent activity via the CFPB about 1 month ago and Exeter 's response was that they sent a letter of their investigation. No investigation happened though.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, 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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: TN
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 was reviewing a copy of my Experian credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly investigate, update and delete addresses that I never resided and may possibly be listed on my credit report due to 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 explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There is an unverified late payment, paid charge-off, and collection that hasn't been validated that's on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. My initial dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: KY
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:
Please remove these fraudulent hard inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

Company response to consumer: Closed with explanation