BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: OR
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 have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. You do not have any permissible purpose to furnish my personal information to any third party. 15 USC $ 1681b Permissible purpose of consumer reports 1. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : ALL XXXX  XXXX ACCOUNTS / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ANY AND ALL ADDRESSES EXCEPT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OR XXXX ALL EMPLOYMENT EXCEPT XXXX  ALL PHONE NUMBERS EXCEPT XXXX XXXX ANY AND ALL NAMES EXCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ANY AND ALL CRIMINAL REECORDS Remove these Accounts from my Credit Report ALSO NEED TO SITE 15 U.S.C 1666B 15 U.S.C 1681 15 U.S.C 1692G

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 2023-11-28
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ohio XXXX XXXX XX/XX/2023 Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX this letter because I was recently going over my credit report and notice the account I had with your company is no longer showing on my credit report. I would like this account reinserted onto my credit file which is in fact accurate and should be reporting. Account # XXXX Ive left an attachment showing it was recently reporting but for some reason its not showing on my current credit file. Have a blessed day thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: NY
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$33000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank Amazon store card. They rope you in with XXXX XXXX interest payments but then the bill is super confusing. Their webpage is confusing as well and no where on my billdid it explain purchases or terms. That was one problem. 

The other problem and the one that made me furious is this company takes a minimum payment from you even in a month where you pay your statement in full. I had to drain the account of funds connected to make payments and sure enough I see all these attempts to take money I am NOT authorizing and I contacted their customer service several times and even gave the benefit of the doubt and continued using them. Then once again I went to pay my bill and I could see in my statement the last payment I made was canceled and rejected then went though. None of that was my doing and if I look further down its showing another attempts they made. Of course when I confronted them on this they blamed me. But why would I do that? Why would I pay my statement in full and then make another minimum payment? Why would I set up an auto pay for a certain date then you try to take the funds and cancel it and XXXX around ( they were trying to take it sooner than I authorized! ) This company is corrupt and also once again I tried to take advantage of the XXXX XXXX financing and I was not able to because they do not specify what the total cost of the bill is and what amount is good for the promotion. So Im frustration and to not incur interest I paid it off in full. Then I get a screen that tells me that since the bank account on file has had a rejection I need to sue another account. And that was all because THEY were trying to take payments not authorized to take. I certainly wasnt going to give them access to any other account I maintain.

I know it is a federal felony to take money over a wire from an FDIC institution and I want this bank held accountable. 

See attached files. I did NOT authorize those rejected payments. And they got one {$29.00} payment before I realized what was going on. Also I would like to point out the larger payments I did authorize I paid my bill in full every month EARLY and they played games with me and my accounts.

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 2022-11-21
Company: Paramount Recovery Systems, L.P.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I do not and have never had a contractual agreement with Paramount Recovery for a debt of {$170.00}. Received an alert from XXXX that XXXX was flagging my Credit Report due to a {$170.00} questionable medical bill. I checked XXXX 's website and there it is listed as a debt. It also states that this debt can affect my credit negatively and have an impact on my credit score. This debt may be due to fraud because I di have some fraud detected on my credit report as well. According to the FCRA I have a right to have accurate information on my Credit Report. It's not listed on XXXX 's website. This debt has NOT even been validated. I do not have an agreement with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
These are not my inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
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:
When these accounts were opened, I was a XXXX XXXX at the age of XXXX XXXX XXXX. The accounts listed does not belong to me and are a result of identity theft. I have shown proof of my identity and that I was a XXXX XXXX at the time the accounts were opened and the companies failed to investigate and see that I was a minor and could not have opened these accounts. They are failing to fully investigate and refusing to remove collection accounts that do not belong to me. I have no knowledge of these accounts listed on my credit report that is affecting my credit. How is this credit reporting agency validating that the account belongs to me and I was only XXXX XXXX XXXX? You are in violation of the Fair Credit Reporting Act. As a credit reporting agency under the Fair Credit Reporting Act, your responsibility is to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This complaint serves as my final warning before I take drastic legal action against your bureau and all parties involved. Your continuous refusal to acknowledge my legitimate claims is not only negligent but also a blatant violation of my rights under the law. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. I request that you remove these fraudulent items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).

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 2023-11-20
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: In progress
Consumer complaint received 2022-12-06
Company: NCB Management Services Inc.
State: VA
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, NCB MANAGEMENT SERV acc # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I deposited a retirement check from XXXX XXXX XXXX XXXX ( XXXX ). It was a corporate check and should have cleared immediately. Instead, after I made the deposit, Bank of America informed me they would release some the next day, 1/3 in two days and the rest on the following Monday. They gave me a receipt to this effect. 

Instead they are holding all funds until next Tuesday and didn't release any of it. This is unconscionable.

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 2022-09-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian has played games since before XXXX and now I am to the point where this has to stop. You send me a notification to go look at the results of an investigation and it says not available online, then call this number which is strictly a choice of ordering your credit report or asking about a fraud alert. 

Well, I am done spending hours upon hours trying to get an agent as it's just a game with them. 

At this point I am notifying Experian that I will not attempt to call their number again, nor attempt to pull up results that only direct you to a number, They need to call me directly in less than the 15 days they know that the CFPB gives them to act. 

If I do not hear from them at my phone number supplies, I will assume they are denying me access and forward the information to the authorities. 

This is now pure harassment and abuse on their part.

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 2023-11-03
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a closed account with Citi Visa  for XXXX XXXX. 
In XXXX and XXXX of XXXX, I made two payments for both months. I thought I would receive full credit of my payment for each month but both months they charged me a {$30.00} late fee. My XXXX payment I was informed I would receive a courtesy credit on the late fee. I reached out again to Citi on XX/XX/XXXX My XXXX payment I was informed that the payment I sent for both months were posted on the previous cycle and would not be credited for the months they were due. I spoke with XXXX who informed me that the payments are considered late, and I had to pay the late fee. XXXX told me there was nothing else she could do for me, but she decided to give me a credit for {$100.00} dollars. 
If XXXX could help me, why did I have to stay on the phone with her crying. I was not aware of the billing cycle period. 
I know it is in the small writing. I have never been late on the account in the past.

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 2023-11-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is allowing accounts on my report that do not belong to me. My student loan account only shows ( 5 ) five accounts. Equifax has been reporting ( 6 ) accounts for over 6 years now. I have provided a scan of the account information to support my claim. Equifax is allowing ( 37 ) thirty-seven inaccurate payments to reflect to the account 's payment history. These payments were paused during the covid lockdown and Equifax knows this, yet Equifax has decided to ignore a federal mandate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit 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 have bought a fridge from amazon.com on XX/XX/2022 and I was charged XXXX dollars and then I returned the fridge but Amazon never gave me that refund so I contacted synchrony bank and they gave me a credit for XXXX dollars but then synchrony bank on XXXX recharged my account again for the credit of XXXX dollars that they gave me and also Amazon recharged me again for XXXX on XX/XX/2022 again. So Amazon has double charged me for an item that I returned back and synchrony Bank took back the credit of XXXX dollars that they gave and charged my Amazon credit card again on XX/XX/2022 for XXXX dollars. So I was charged 4 times of XXXX dollars for a single item that I returned back and Amazon has it in their warehouse. I called synchrony bank and they even refused to talk to me. 
I need the CFPB help with this issue and nobody seems to understand and amazon keeps charging my Amazon credit card for the same item and synchrony bank is allowing amazon to keep charging for an item that returned back and this is FRAUD from Amazon me synchrony bank. I am attaching documents that shows synchrony bank charging me again on XX/XX/2022 for the credit they gave me on XX/XX/2022 and Amazon charging me again on XXXX another XXXX dollars. I have been charged 4 times for an item that I returned to amazon and they have it in their warehouse

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-09-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX I took out a {$100.00} 30 day CD at 9.5 % interest automatically renewable at current CD rate unless bank notified me otherwise. The bank was XXXX XXXX. They were bought by Fifth Third in XXXX. I felt that would be no issue as my mortgage, boat and car loans and checking and banking were with them. I was well known in the community as having serve at both the XXXX  and XXXX   level. I just let the Cd ride tell retirement. They now tell me on presentation they do n't have any record of it and denied honoring it and I should have gotten a letter. Trust me I 'm meticulous in keeping records. So I asked for the letter. They had nothing given that money doubles every 7-10 years I figure it 's worth near {$500.00}. I 'm sure it would hardly break their bottom line. I had check unclaimed funds in the mid XXXX for our last name as my mother had XXXX. Did n't see anything under mine. Can you help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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:
I sent that my letters to the credit bureaus to investigate every piece of other accounts on my credit report.

According to the FCRA The term investigative consumer report means a consumer report or portion thereof and which information of consumers character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer on, or with others with whom he is acquainted or may have knowledge concerning any search items of information. 

They stayed in my account is verified but how is that possible? Account name : ( XXXX ), account number : ( XXXX ), account name, ( XXXX XXXX  ) account number ( XXXX ), account name, ( XXXX XXXX ) account number ( XXXX ), account name, ( XXXX XXXX  XXXX Account number ( XXXX ) account name ( XXXX XXXX  XXXX account number ( XXXX ) If they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate I have the credit report showing the 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 explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation