BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Ability Recovery Services, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ability recovery services is reporting a debt from XXXX XXXX. I have never attended or provided any information to either company. Ability recover last responded that they couldnt located the account but when I disputed the account from my credit they stated they verified it. Ability recovery services cant provide an application, or any information related to this alleged debt and neither can XXXXXXXX XXXX. They literally are just trying to collect a fraudulent and fake debt that doesnt even exist. This is clearly a violation of FCRA.

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 2022-09-21
Company: I.C. System, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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

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 2022-09-21
Company: HW Holding, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received written correspondence from XXXX XXXXXXXX XXXX in XXXX ( attached ) of an estimate for payments owed after move out repairs were made with a notice that the final account statement was to follow. A final account statement was never received. I was then contacted by phone by Hunter Warfeild collections on XX/XX/XXXX. Upon returning Hunter Warfield 's call I was made aware that XXXX XXXX had hired them to collect on a debt. I requested that a itemized bill by mailed to my current address and provided that address to the representative. No further contact has been made by Hunter Warfield and no bill was recieved by mail. I have attempted contact with XXXX XXXX several times always leaving messages requesting a return call. My credit report as of XX/XX/XXXX shows a collection. I would like to dispute this collection as proper procedures were not followed and I can not verify the legitimacy of the claim. Thank you for your help. 
XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account at Citi Bank in XXXX, NY on XX/XX/XXXX and deposited {$670000.00} in the account with a promotion of {$1000.00} provided you leave at least {$200000.00} for 3 months. It has been over 6 months and I still have not received it. I have called numerous times and each time they told me to wait a little longer it should be in next months statement. I did what I was supposed to, to receive the promotion and have waited to long.

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 2022-07-28
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account with the debit card and a secured credit card with chime Financial Bank. On XX/XX/2022 there was an authorized transaction XXXX of them the first one was for {$100.00} the second one was for {$200.00} it was done through XXXX my account was hacked and someone used my secured credit card to buy {$300.00} in cryptocurrency. I filed a dispute with chime Bank as well as contacted several times XXXX. chime Bank said they did an investigation and they denied me my money back. I have had several conversations with them they contacted XXXX which XXXX stated that I went to New York opened an account and used my own card to buy {$300.00} in cryptocurrency. I live in California I have never been to the state of New York in my entire life. I stated this with them I filed a complaint with the Federal Trade Commission I filled out a report with identitystep.gov all of which I've sent the documentation to chime Bank. The response continues to be denying me my funds back. XXXX will not even respond to my emails. And I have no way to contact them by phone. This is the second time that my chime bank account was hacked into at the first time was XX/XX/2022 of which somebody did XXXX transactions through XXXX bill pay in my name on my card and drained my account of every bit of money that I had that time time returned all of my money except for XXXX transaction I was denied XXXX transaction. This time I have recovered nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
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:
On XX/XX/2022 I disputed a debt unknown to me through XXXX XXXX from Portfolio Recovery. The account was not immediately marked disputed, nor have I received paperwork regarding the outcome of that dispute within the 30 days they have to send me one. I then received legal paperwork taking me to court on the XXXX of XXXX. I contacted portfolio recovery via the number given on the legal paperwork stating I had never received any information regarding this debt and requested all information be mailed to me. Again the account was not marked disputed, I did not receive said paperwork. Contacted them again on XX/XX/2022, was informed the account in fact had not been marked disputed but could be today, as well as my paperwork had just been mailed out that same day employee was unable to answer any of my questions. Contacted company again a week later as no paperwork had gotten to me, was informed it was sent, then the employee back tracked on what she had told me saying it shows I never requested any paperwork. After looking into all credit reports the dates they opened this account dont even match on most of them it shows multiple dates. This company has violated a few different FDCPA rules, and still has yet to get me any further information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, 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, {$620.00} Representative stated to me that they will remove this incorrect balance because of hardship due to Covid 19. Rep also stated that they will remove missed payments as agreed to a payment plan

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 2022-07-28
Company: EQUIFAX, INC.
State: FL
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:
Sent a letter disputing the inaccurate data for this account and no response. This for account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have contacted XXXX ' XXXX and the credit bureaus regarding the reporting of my account. When I last retrieved my credit report, I noticed that XXXX XXXX XXXX   last reported my payment history in XX/XX/2018 on my XXXX report and XX/XX/2018 on my XXXX report and XX/XX/2018 on my XXXX report. I reached out to XXXX XXXX XXXX and they stated that the bureaus were at fault for not reporting my current, up-to-date payment history. To that end, I contacted each credit bureau and they stated that the issue was with XXXX XXXX. I would like for my payment history on this card to be updated on all 3 bureaus so that it reflects current and ok payments to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2021 I visited XXXX XXXX to inquire about purchasing a vehicle. The financial officer was given consent to find a suitable auto loan company to finance the vehicle I chose. I agreed to have my loan serviced by XXXX XXXX. Afterwards, I asked the financial advisor to discontinue the loan search. Unfortunately, without my consent XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX made hard inquiries against my credit in XX/XX/2021, which is 3 months after I had my loan with XXXX XXXXI have sent letters to each of the above mentioned loan providers. I have asked for the signed letter where I allegedly gave them authorization to pull my credit in XX/XX/2021. All of them have refused to provide me such a letter. In addition I contacted Experian, XXXX, and XXXX. All three of these credit reporting agencies have refused to remove the hard inquiries after I made phone calls and submitted written requests to remove the hard inquiries.

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 2022-06-07
Company: Experian Information Solutions 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:
I did not apply nor authorize XXXX XXXX  to run my credit for a credit card.

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 2023-11-12
Company: MARINER FINANCE, LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was offered a guaranteed loan for {$4000.00} and in the process Mariner Finance in XXXX Georgia pulled my credit and told me that my Birthday is displayed where my social security number is and I should call XXXX to fix it on XXXX with them the phone for verification because they arent allowed to call credit bureaus on consumers behalf. So I did just that and then I was told that my credit score isnt reporting so I got that fixed but XXXX said they did nothing to fix it now, I called Corporate to report that office for blowing me off, being rude, not being professional and just all around not doing their job. Corporate calls me back 3 days later to tell me that she spoke with XXXX and she a very nice XXXX  with a great speaking voice and XXXX told her shes doing everything possible to help me so I told her ( I think her name was XXXX ) I didnt call you to check XXXX well speaking voice, I called you because I have been mistreated, tossed aside and the office is being dismissive of me and not doing their job! So now I threaten to call CFPB now the XXXX XXXX told me they can give me a loan for {$2000.00} when in fact my loan is a guaranteed {$4000.00} and that is what I want!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX, I did a wire transfer in the amount of XXXX XXXX to my American Express platinum card to further my my credit spending power to purchase a car that I ordered. Also to secure my reward points of XXXX. However, the car dealership would not accept the card payment in that amount due to the fees they would incur. On XX/XX/XXXX I requested a refund via wire transfer to my account, as I have not been able to secure the down payment for the vehicle until I am refunded. Amex originally told me that due to the amount of the refund, it would take 2-3 days for the transaction. I called 2days later to check the status and was told the wire transfer would take 10 days from the XXXX XXXX XXXX. I then called another 3 days later and was told it would be 12 days from the day of this call. 
I requested for written policy on why the funds were being withheld. To no avail. Today is XX/XX/XXXX, called Amex to check status of refund and was told that it would be wired 10 days from today. I asked to speak to a Supervisor, who then told me, the transfer would be initiated XXXX XXXX XXXX XXXX XXXX XXXX and would deposit into my account XXXX XXXX 
I have been completely taken advantage of. I was able to speak to someone in the back office to get the wire trans for done. It took 2mins for the transfer to hit Amexs acct and for them to credit my account within 20 mins. 
I call to have my transfer escalated and no such back office is available to a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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 XXXX  Account # XXXX, Name : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX, Name XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2021-03-23
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX is reporting inaccurate information on my credit report for all three credit bureaus XXXX, TransUnion and XXXX. The company is reporting different dates and account information and balance to all three credit bureaus. I have been trying to get them to help me with this situation since XX/XX/2020 no one has gotten back to me and all they keep putting on letters they send is " information updated or valid. '' Every time I ask them for paper work they never respond. This is unprofessional and unacceptable. I also submitted a complaint with them 3 times already and they keep saying my name XXXX XXXX is not an authorized user to ask for info which makes 0 sense because why are they reporting this now fraudualant account on my credit report? Three things are wrong here ... this car was my fathers who passed away, 2. this car I know my father had with GAP insurance so there is no way he still owed the money and 3. They are reporting inaccurate information for years. 

Ive given you guys ample time prior to filing this complaint. Im sure you can imagine what Im going through since the loss of my father. I am trying to move forward but can not due to this negative factor. This goes totally against the FCRA laws this is a violation. Attached you can see all the inaccuracies from my identity IQ subscription I get monthly prooving the difference. Update at once, Ive also reached out to a fcra lawyer since you guys have leaved me pretty much no choice.

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 2022-12-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I opened an account with SYNCB/CAR CARE DISC TIRE ( MySynchrony ). The account was closed on XX/XX/XXXX. I was never told the account would be closed unless spending was made on the account. I would like to fix this immediately. I don't even have the card anymore. If the account was reopened, I would order a replacement card immediately and use it for spending.

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 2022-06-29
Company: EQUIFAX, INC.
State: TX
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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: ID
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:
Pubic record XXXX  XXXX bankruptcy ref # XXXX Ive disputed this for a while now with experian more than a year always comes back verified and certified by issuer but wont provide who get info from or certified it the only place that can report a accurate reporting of bankruptcy is XXXX  courts only report to XXXX  they cant verify any other way XXXX, XXXX XXXX have already removed based on there investigation and my documents also if a account is verified and stays on report its required to be marked disputed by consumer there a several violations of the fcra here are a couple 1. Sec 1692 E 8 acuity will be marked as disputed 2 15 usc 1681 section 604 A states I have the right to privacy 3. 15 usc 1681 section 604 A sec 2 also states a consumer reporting agency can not furnish a account with out written permission The documents upload shows XXXX  accurate accounting of bankruptcy filed with XXXX  different spelling of my name vs case filed different places ect I fave filed a identical theft report along with a fraud 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 2022-06-07
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, the following companies have violated my rights. 

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

15 USC1681 Section 604A Section 2 : It 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 as late for any purpose.

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