BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ).

I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION.

FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

INQUIRIES 1. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The card I have a problem with is called Citi card. They will not lower my interest. They said this is because of my debt to ratio. I need some relief from these credit cards. If someone could help me, I would really appreciate it. 
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 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Ive sent in a letter XX/XX/2021 in regards of the misleading and unverifiable items on my credit report. Ive sent in several disputes, before opening up a case with cfpb. I've talk to the bureaus, the actual lenders, and yet have received any results in regards of my claims. I feel im getting token advantage of because I been having this issue for a while.

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 2020-08-21
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:
CFPB, regulators, national law offices and consumer advocacy groupsplease help!! 

I have given Experian a current copy of my credit report, that can be opened, that specifies what items I am disputing. 

Experian is claiming they can not open that file given to them. They response by saying they will be instead be mailing me a new report so I can start a new complaint with that report and that I should specify what items I am disputing. 

There is no need to do that because I already have my most recent credit report, I have already specified which items I am disputing, and the complaint totality has already been assembly. 

Experian, according many consumer online boards complaints, is being difficult in starting a dispute, outright refuses to start one or is simple ignoring a complaint by providing a bogus reasons such as the one given to me on my closed CFPB complaints. 

XX/XX/2020 CLOSED BY EXPERIANNO ACTION TAKEN Complaint No. XXXX and XXXX XX/XX/2020 CLOSED BY EXPERIANNO ACTION TAKEN Complaint No. XXXX and XXXX EXPERIAN IS NOT BEING PROPERLY REGULATED TO ENSURE CONSUMER PROTECTION, AS SUCH, THEY HAVE SUCH A XXXX RESPONSE ON CONSUMER COMPLAINTS. 

Please help. 

Thank you 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 2020-07-30
Company: Self Financial 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: Account information incorrect

Complaint:
This was a loan from XXXX  XXXX XXXX. I paid the loan off on XXXX XXXX. It seems that XXXX of my credit reports are being updated monthly. But XXXX I believe XXXX  is not being updated at all.

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 2020-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have on multiple occasions disputed this account with Bank of America saying it does not belong to me and Bank of America continuous to say this a accurate account without any document verification. Under FCRA section 623 it pacifically states that they have to show document verification that associates me with this account and if not thay have to remove it from my credit report.

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 2020-07-02
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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:
There is an account on my credit report from credit acceptance for XXXX. They are reporting this account open. It should be closed. I havent made payments since XXXX. It is set to fall off my credit report in XXXX. They also reported an older account fraudulently. They reported i made a payment in XXXX and i never did. It was the auctions payment they are counting as mine. Please help me i want to seek legal action if they do not fix this.

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 2018-03-29
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ally Financial illegally obtained my personal information, including cell phone number, to call me about a family member 's auto loan. They never identify themselves as Ally, that information was obtained by searching their phone number. 
Ally is contacting others who are NOT related to the borrower.

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There are accounts reporting inaccuarate, and it is false

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 2021-06-03
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/1979 I AM REQUESTING A PROOF OF CLAIM DUE TO FRAUDULENT ACTIVITIES ON MY CREDIT FILE. I REQUEST THE FOLLOWING ACCOUNT SEND ME LEGAL DOCUMETATIONS : XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX. 
This is this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2020-05-26
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Starting XX/XX/XXXX I had a total of {$15000.00} pulled form account using Coinbase. The charges were never authenticated, and were sent multiple times in a day. The account used was a savings I do not pay much attention to and when I noticed the error I immediately disconnected the account and contacted Coinbase. They responded claiming that the transactions were from an IP address they have seen before using the Coinbase app, but I do not use a Coinbase app. I have sent numerous emails, I have filed a complaint and nothing has been done to return these funds to me. I need this money refunded as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021 my Victoria 's Secret Credit Card account through Commenity Bank was overpaid by {$1000.00}. I realized what had happened on XX/XX/2021 and immediately requested a refund in writing. I was told on XX/XX/2021 that the refund requested had been submitted and the refund should reflect in my bank account within 3-5 business days. On XX/XX/2021 I contacted Commenity Bank again when the refund did not reflect in either my credit card account or bank account. At this time I was told that it had to be approved by accounting first, which could take 7 days, then after that it should reflect in my checking account in another 3-5 business days. Today,XX/XX/2021, I contacted the credit card company again. I was told that, " Due to the amount of this refund check, the refund request itself is still being reviewed and this can take up to 30 days. Once the refund request has posted to this account, the funds should show up in your checking account within three to five business days. '' At this time I informed them that I would be filing a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have an old expired XXXX  provided by Wells Fargo Bank. It is for back child support. We thought the funds were exhausted, but got notice there is a balance of {$110.00}. I would like the balance, but the card has expired. 

I have spent over five hours today on hold. One hour this morning, and two hours twice this afternoon waiting to speak to someone about a replacement of an expired card. It is the same loop saying I am in the cue, but no one picks up. I went online to see if I could order a replacement card, but XXXX  requires replacement cards on the phone only. I can see the balance, but can not order a card. I realize it is special circumstances with Covid-19, but this many hours on hold is unacceptable. I went in person to Wells Fargo bank to ask if they can order new card or give me the balance on the card and they said no. I had to call for the replacement card. 

Thank you for any help.

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 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im a victim of identity theft. A. fraudulent account from XXXX XXXX XXXX, was recently placed on my credit report. Ive tried speaking with both credit bureaus and the collection agancy. Ive also sent multiple copies of FTC reports requesting this information be blocked from my credit report. 
Ive never done business with XXXX XXXX XXXX, Or XXXX XXXX XXXX XXXX nor or signed into a written contract with these companies. This is a fraudulent 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 2020-07-30
Company: SYNCHRONY FINANCIAL
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX i had an agreement with Synchrony Bank for Paypal Credit to have 2 auto pay deductions to pay off a credit line. They only took 1 payment and never notified me of the remaining balance. On XX/XX/XXXX i pulled my credit from annualcreditreport.com so I can prepare for a new job. I discovered that the balance is still showing up on my credit as a charge off. I called Synchrony bank right away, and they advised they has no notes about the auto pay, but showed the settlement amount, and the last payment due as well as the first payment taken. 

I then called back on XX/XX/XXXX to pay off the account. I requested that they send me something in writing showing it was paid off, and they refused. They claim they can not send me anything, they can only give a confirmation number. I then asked for them to send me a statement to show what's left owing. Again, they refused claiming they can not send me anything. I asked to speak to a supervisor and was told they don't have any. I requested to speak to someone else and they refused. I continued to ask for something in writing showing what I owe and the representative hung up on me.

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 2020-11-18
Company: Experian Information Solutions 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:
I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

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 2020-02-01
Company: Innovis
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:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX  XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first timeand I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$16000.00} XXXX  XXXX {$1400.00} XXXX   XXXX {$360.00} XXXX  XXXX {$260.00} XXXX  XXXX {$120.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$930.00} XXXX  XXXX {$250.00} XXXX   XXXX  XXXX {$980.00} XXXX XXXX XXXX  XXXX {$1800.00}

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 explanation
Consumer complaint received 2020-06-04
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have an account with XXXX. I can get a loan until payday to pay it back. It was all automatically deposited and withdrawn thru my bank PNC. 

Now my bank connection between PNC and XXXX is not allowed anymore. That is what XXXX told me. They also gave me this site to file a complaint about it. So here I am with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: LA
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 have disputed this account on many occasions this account is in Litigation with 32 states on agreement of the lawsuit this account should be deleted from all bureaus its deleted from XXXX. But Experian and XXXX wont delete it ... I have documents from my Attorney General and screenshot pictures of this account removed from XXXX  ... Im filling a complaint on both Bureaus Experian and XXXX  the account is XXXX XXXX this company is known for subprime loans they give large interest rates loans to customers that cant make payments with low credit scores. Inaccurate reporting to bureaus.

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 2018-05-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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 was an authorized user for many years on a Citizen Bank Credit Card. 
After charging {$7500.00} for my Attorney several weeks later my husband disputed the charge and took me off as an authorized user. When I used the card I clearly was an authorized user and no dispute should have been a cepted. I owe this money and it was paid then retracted. I was within my rights and they are doing something illegal. I have no income he is my legal caregiver and i am his financial responsibility going on 36 years. I need that {$7500.00} to be paid to XXXX XXXX XXXX. The charge was made In XX/XX/2017. 
The card was and is still in my name XXXX XXXX XXXX

Company response to consumer: Closed with explanation