BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
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 XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-06-08
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX - ACCOUNT NUMBER XXXX has violated my rights. 

15 U.S.C. 1681 section 602a states I have the right to privacy.

15 U.S.C. 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction/permission.

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: Self Financial Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I closed my account on XX/XX/XXXX and I was told that I would receive my deposit on XX/XX/XXXX within 1-2 day. That never happened. The company is giving me the runaround about my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2022 from a company I never did business with or ever gave permission to call/write or contact me with any form of communication. In the letter they erroneously stated that I owed an alleged debt, I was shocked, appalled and offended by their false allegations. I don't know how they obtained my private information but i did not give it to them so as far as i am concerned that is identity theft which I will be filing a complaint with the FTC about. As for now If they can not provide me with documentary proof that I gave them written permission to obtain my non-public information then they are to Cease and Desist all their Illegal activities, this goes for all their affiliates and any 3rd Party that they do business with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: EQUIFAX, 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 XXXX XXXX XXXX Account 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bread Financial XXXX Comenity Bank has been unable to accept payments or balance and statement requests through their online website since approximately XX/XX/2022 due to an outage from a planned upgrade. The provider has been making claims on social media that other avenues to make payments and check balances are available, however, this has not been my experience. Second to that, the provider has attempted to deflect attention by claiming this was a planned outage and when confronted with questions regarding whether or not this was ransomware, they have vehemently denied. Financial institutions are required to notify consumers of planned outages, are required to perform regular backups of systems so that outages are temporary transient events not weeks long, and submit notification within XXXX hours of any cyber events to federal regulators. None of these steps have occurred, and consumers have been left with cards they can not pay and vague assurances from Bread Financial on social media that their credit scores wont be impacted negatively. To date, no formal notification of the outage, presumed XXXX, or steps consumers can take has occurred, which would be expected in the case of a ransomware attack, as Bread Financial has no ability to roll back ( depending on when the intrusion occurred ), or access their systems to provide notification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I DIDNT AUTHORIZE ANY OF THE BELOW INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 inquiries do not belong to me XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-19
Company: Cascade CISS Holdings, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XACTUS XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Discover XXXX Debit Card Checking account. I made a payroll direct deposit to the account. Discover promised a debit card via USPS on XX/XX/XXXX, no card arrived. I was told it could be as long as XX/XX/XXXX. 

On Friday XX/XX/XXXX I attempted to transfer funds FROM Discover to my XXXX XXXX account. Discover WOULD NOT ALLOW THE TRANSFER because " we do not have a relationship with XXXX XXXX. Over time you will be able to transfer. '' Excuse me? 

a ) What legitimate fiduciary " does not have a relationship '' with another fiduciary? 
b ) I have ZERO access to my funds This is INEXCUSABLE banking behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: PR
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:
On XX/XX/2022 I received a phone call from XXXX Bank stating that I was late on my mortgage payment. I told them there was an error on their end as the payment was made on XX/XX/2022 through their payment portal for the monthly amount due of {$1500.00}. XXXX Bank representative asked that I provide evidence of my bank statements and transactions via email. A detailed email was sent on XX/XX/2022 with the required evidence. On XX/XX/2022 I received a mortgage loan statement showing an unapplied balance of {$1500.00}. I sent a second email with a copy of the loan statement showing the unapplied balance and requesting it be applied to XXXX monthly payment as intended. I received no response from XXXX Bank. On XX/XX/2022 I received a credit report alert showing late payment on my mortgage loan. On XX/XX/2022 I filed a dispute with XXXX and also sent a written request to the financial institution explaining the situation and requesting they amend the credit report. On XX/XX/2022 I received the dispute resolution report showing not only late payment for XXXX, but additionally XXXX. The bank took retaliation against my dispute and reported an additional late payment for the month of XXXX thus negatively impacting my credit and my ability to obtain credit offers for individuals with excellent score. XXXX payment for the amount of {$1500.00} was made on XX/XX/2022 through their payment portal. There is evidently a problem with XXXX Bank 's payment process and/or their financial system. XXXX Bank has never responded to my requests, neither via email nor via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Aqua Finance, Inc.
State: NC
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, Aqua Finance, Account Number XXXX, has violated my rights to fairness and privacy. 

At no time did I agree this transaction be disclosed : -15 U.S. Code 1681, Title 602, Section ( a ), outlines my right to fairness and privacy At no time did I direct the creditor to furnish any reports, either in writing or otherwise : -15 U.S. Code 1681, Title 604, Section ( a ), Paragraph 2, further states that a consumer reporting agency may furnish an account only with my written instructions

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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 never had any business with Credit Acceptance. However, this company has reported a {$20000.00} fraudulent debt to XXXX. Instead of asking this company for proof of this debt, XXXX took their word and placed this fraudulent debt on my credit report. I believe that XXXX did this because of my race and XXXX. I am an XXXXXXXX XXXX woman. This is slanderous and libelous. Credit Acceptance and XXXX should be held accountable for putting fraudulent debt on consumers credit reports.

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: EQUIFAX, 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:
I have been submitting letter since XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-03
Company: BARCLAYS BANK DELAWARE
State: NC
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 have an outstanding dispute with Barclay 's Card for a total of {$1100.00} through the merchant XXXX XXXX. We had booked a multi-stay vacation with a XXXX night hotel booking with XXXX XXXX. We attempted to cancel the stay with the vendor in XX/XX/2022 due to covid restrictions to travel to the country and the stay was scheduled for XX/XX/2022. We attempted to contact the hotel on multiple occasions and received no email correspondence from the hotel in return to either refund or reschedule the visit. 

On XX/XX/2022 we disputed the transaction with the merchant after waiting for more than a month for a response. 

We eventually did receive a message back from the hotel on XXXX XXXX XXXX XXXX since our request to cancel due to the inability to get a travel visa. We explained to Barclay 's that despite the non-refundable rate, the services were poor enough to violate the terms of services for the merchant as it wasn't logistically viable to book a trip to XXXX, XXXX a week before our expected stay. The vendor 's failure to respond to two emails requesting a response wasn't acceptable. 

Once disputed, Barclay 's card investigated the transaction and called us back to get a response from us prior to settling the case. We called back multiple times within the window they provided to us ( see the times and dates on the dispute letter and the stated hours of operation ), left a statement with one of their customer service representatives and they closed our case for not responding to their original message despite contacting them multiple times within the timeframe they provided to us and left a statement with one of their associates.

After many calls, Barclay 's agreed to repoen the dispute and have since provided no response despite being out of the 90 day timeframe included in their card 's terms and conditions.

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 2022-06-08
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX LOXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: CA
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 has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX & XXXX has violated my rights. 

XXXX / XXXX / 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 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 explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been submitting letter since XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
Portfolio Recovery has added an item on all three credit bureaus XXXX, XXXX and XXXX, without validating the debt. The debt is for {$1000.00}. According to the FDCRA I have the legal right to request validation of any debts I am claimed to owe. Portfolio Recovery has failed to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased my car from US Auto Sales on XX/XX/XXXX, I made every payment on time each month. The car was totaled on XX/XX/XXXX and this was also during the time US Auto sales went out of business transferring my account to Westlake Portfolio. My insurance company settled and paid Westlake Portfolio XXXX leaving me with a balance of XXXX in which I also had Gap coverage. The Gap XXXX XXXX XXXX has informed me that they have closed my case due to non response from Westlake Portfolio. I spoke with the XXXX at XXXX and he has asked Westlake for my payment history from XX/XX/XXXX up to the total loss date. Westlake can only provide from XX/XX/XXXX and state that they do not have any payment history prior to this date. I am at a loss because my payment history has been lost and I can not get the car paid off without it. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: CA
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 has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX / XXXX / 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 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 response to consumer: Closed with explanation