BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2023-04-10
Company: Chime Financial Inc
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
account was closed by bank. I did not know till after XXXX of XXXX. My employer sent direct deposit and it was not returned to employers account. Deposit never credited to my bank account. Chime bank still has my money. Two deposits, one for {$66.00} and the other for {$69.00}. 

Chime bank gave me a new account and new card but never refunded me for lost wages from closing my previous account. It took almost a year to get the new card. New account has XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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:
15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

This account should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

15 USC 1666B This is a billing error always paid as agreed on time this is an error this account is in violation. They violated the United States Code Law 15 U.S. Code 1666b. Timing of payments- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also according to 15 USC 1666 ( b ), they should have adopted to ensure that each periodic statement is mailed to me certified mailed or 21 days before the payment due date, which I never received. I have disputed this account multiple times with the bureaus. One of the original creditors even sent me documentation proof stating it was a system malfunction. XXXX XXXX never provided documentation showing they sent mail certified or 21 days before the payment. Update the payment history immediately and remove the account XXXX XXXX account immediately. 
XXXX hasn't updated my credit report in over 6 months. Misleading False Reporting. This Account negligently and inaccurately reported failing to comply with 15 USC 1681.

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 2023-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I am on maternity leave and I am getting paid through a Bank of American EDD prepaid card every 14 days. On XX/XX/2023 someone stole {$990.00} out of this prepaid account. I was left with {$290.00}. They took the money from an atm in California at XXXX on XX/XX/2023. I tried to get assistance inside the Bank of America branch and no one could help me. The teller and personal banker said they have nothing to do with these government prepaid cards. I have spoken to the Bank of America EDD fraud department over the phone and have a claim started. I want to make sure I get my money back. I am not working right now and I have a newborn baby to take care of. I also want to make sure this terrible situation doesnt happen to any one else. I was told by XXXX the woman that helped me over the phone from the fraud department to not use the ATM located outside of the bank and always go inside and withdraw money with an actual teller. I never knew it could be dangerous to use a bank ATM. This situation has never happened to me. I never used this EDD card anywhere else other than making withdrawals at the ATM when I get paid. I have also reported this theft to the police and made a police report. I would like to get my money back 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 monetary relief
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: IL
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: MD
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:
Im accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under act 15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not refurnish an account without my written instructions. Under act 15 U.S.C. 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

For XXXX and XX/XX/2022, XXXX XXXX XXXX shows I made delinquent payments for those XXXX months, paid beyond 30 days past due. Please remove this from my credit reporting.

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 2023-03-14
Company: Genesis FS Card Services, Inc.
State: PA
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 FairCredit Reporting Act XXXX XXXX has Violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 plan for any purpose. 

15 USC 1681A ( 2 ) ( I ) reporting containing solely as to transactions or experiences between consumers and the person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to have them verify this debt due to me not having any knowledge of these bills prior to collection. They have not satisfied the validation of the debt to show it is in fact mine or are in violation of hipaa because I did not give my permission to sell my debt to a third party if it isn't fact my 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 2023-03-17
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
STOP COMMUNICATION AND SENDING COLLECTION BILLS IMMEDIATELY. I WANT NO FURTHER CORRESPONDENCE FROM COLLECTION BUREAU OF AMERICA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Got Scammed through XXXX - My Phone number was linked to a PNC bank account of a unknown person and they stole the money that was sent to me by my Husband. Money ( {$250.00} ) was XXXX  from my husbands bank account XXXX XXXX XXXX XXXX ) to me using my Phone number XXXX. Proof of XXXX sent confrmation : XXXX on XX/XX/XXXX  Amount : {$250.00}. I received alert on my phone that money is received but the account number was not mine. Proof of receipt below. PNC Bank Alert : You received a XXXX payment of {$250.00} from XXXX XXXX. This payment was sent to account XXXX. I don't have account in PNC Bank and some one linked my phone number to their XXXX account and stole my money. PNC Bank allowed this due to a flaw in their system. I did not receive any alert on my phone that my number is being linked to another account. I called PNC bank with in 30 minutes of the fraud and explained them, so far no response from them. And after few hours the fraud has de-enrolled my number from their account and I was able to add by the number to my XXXX XXXX account. I want my money to be refunded from PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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 status incorrect

Complaint:
I am wondering why you are reporting that I was late with this creditor XXXX XXXX I am in dispute of the information listed, and it is my request that you remove this account from my credit report and send me a new copy that reflects the change.

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 2023-04-10
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
I have had an issue with having a payment credited to my Big Lot's/Comenity credit card account. My credit union changed their bill pay system and my original info for paying the bill was lost. I paid Comenity but mistakenly did not include my account number. The check from my account was cashed but I was never credited the payment. Comenity sent me late notices, I responded with the evidence that the check was cashed and I was not credited. This happened in XXXX 2023. I am attaching the correspondence. I disputed with XXXX and XXXX responded that Comenity was correct. I did have a late payment for XXXX as this dispute was going on and I did not realize that I still owed approximately {$30.00}. I just paid that amount {$30.00} ) through my credit union and am waiting for Comenity to cash that check. Comenity reported me late the original amount that I am disputing ( {$200.00} ) and I think for the months of XXXX 2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10
Company: LDF Holdings, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This loan from XXXX says I borrowed {$1400.00} online. Then i saw that it was 500 % interest, plus a finance fee. Now they say i owe over {$6500.00} in one month. I am getting collection calls. I did not sign up for this loan. They insist they can charge 500 %. 
I have told the collection people that I do not owe this money, but they keep calling me. 
I am on social security trying to get by. 
This is part of a bigger scam that I am fighting now. I was the victim of a couple of scams online ; A romance scam. Then I was threatened by the scammer who took over my computer remotely.I was told i had to pay upfront costs but I didn't know what they were talking about.I am now being told I signed up with them for a loan a month ago. 
I am reporting this along with other loans and credit cards to my bank and the police. 
In total, I was scammed XXXX from fraud. 
I am in the process of filing for bankruptcy now. 
Thank you. 
I just now received this email : to me Hello XXXX, This email is a confirmation that we have received your ACH revocation request with Lendumo. This request has been applied to your account as of XX/XX/2023. If you had a payment before or on this date, the ACH revocation will be applied on your next payment date. 
Please be advised that while payments will no longer be automatically taken from your bank account, they are due by their scheduled payment date. Your next payment is scheduled for XX/XX/2023 in the amount of {$530.00}. To avoid late fees, please call to schedule one-time transactions or mail in your payments. 
Please keep in mind mailing in payments may take 2-3 weeks to post and are only posted once they are received by our payment processing department. Our mailing address is listed below. 
If this modification was made in error or you have further questions, please contact customer service at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2020-09-22
Company: AmerAssist A/R Solutions, Inc.
State: NV
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, while checking out my cart for an online purchase ( XXXX  ) of approximately {$250.00}, I applied for another XXXX XXXX XXXX XXXX credit card. ( I previously had their card about 6 or 7 years ago, but when I paid it off, I closed the account. ) The application was denied with a message that said " XXXX XXXX XXXX XXXX is unable to provide credit at this time ''. No reason for this denial was given, which concerns me because I have a XXXX  score of XXXX as reported by XXXX. It's my understanding that lenders are supposed to advise the reason for denial, even during " instant '' credit applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I rented a car from XXXX car rental on XXXXXXXX  at the XXXX XXXX airport location. XXXX XXXX  set this reservation up for me directly. I was notified of the details. My rental contract said in print that I would be charged a fee if I did not call customer service prior to extending my rental. I called customer service to do just that. That call record was logged by XXXX and my mobile carrier. Still, on the evening of my return, I was charged a " late return fee '' of {$36.00}. The evening of my return, it was pouring down rain. It was late, cold, and wet-so I chose to have my receipt emailed to me instead of walking into the branch. To my surprise, despite my calling customer service, per the rule, I was billed a late fee anyway. I contacted customer service by phone and was told there was nothing that could be done and that no bill adjustment would be made. I then contacted my credit card issuer and disputed {$36.00} of the {$210.00} total. It was determined by XXXX XXXX XXXX XXXX that the entire amount should be refunded to me after their investigation. I visited the lax XXXX in XX/XX/XXXX  to offer to pay the {$210.00}, less {$36.00}, that I no longer owe. I was told by an agent at the counter that no payment could be taken. Additionally, the only XXXX rep that could take a payment would be the " do not rent '' center, and they do not make bill adjustments. Now, I'm getting payment demand letters from their credit collection partner XXXX XXXX XXXX, by email, phone, and first-class mail, attempting to collect a bill that my responsibility has been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 was already charged XXXX point for a XXXX medical bill, now charged another XXXX points for the same medical bill. My credit had gone from XXXX to XXXX in one month. Also I have zero, no late payments.

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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
there are fraudulent information on my credit report : XXXX 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

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 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 Captial one Account # XXXX Account # XXXX has violated my rights. A15 USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer 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 plan as late for purpose.

Company response to consumer: Closed with explanation