BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: GA
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:
15USC 1681 a ( d ) ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian XXXX and XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-27
Company: VW Credit
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
A medical bill conveniently has been added to my credit report for {$500.00} ( you cant report account under {$500.00} ). Ive viewed medical records from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and contacted the billing department and they have no record of the debt. This bill wouldve been from XXXX and would have been able to have been reported until the law changed ( but it was not ). I have a credit reporting service with Experian and have checked credit reports since XXXX and this medical bill is NOT listed. If it is my bill and went unpaid then it would have been reported PRIOR to any collections activity but it was not. Experian can check their own records for accuracy. Furthermore, I have NOT been notified of ANY DEBT. When I contacted the collection company they advised that the debt recently was sold to them by XXXX XXXX and they didnt have my correct name or mailing address. Ive opened complaints with the CFPB for each of these companies so this issue can be resolved. These companies should not be allowed to blatantly circumvent the law and credit reporting agencies should be checking their own records and actually validating the information they allow onto a consumers credit report. I want this resolved immediately!

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 2023-05-15
Company: American First Finance, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I filed a police report with Gahanna.gov and followed up XXXX : XXXX Its with American First Finance. I have continued to report this to credit karma but American First Finance states it was opened legitimately but I dont know what information was used to open the account and Im unable to get that information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Subject : Formal Dispute of Inaccurate Information on Consumer Report Dear Sir/Madam, I am writing to formally dispute the accuracy of the information contained in my consumer report, as obtained from your agency. Upon reviewing my consumer report, I identified instances where non-public information has been disclosed to a non-affiliated third party without my written consent, which constitutes a clear violation of the obligations outlined in 15 USC 6802. 

Upon reviewing the relevant statutes, it has come to my attention that I was never provided with the option to opt out of the disclosure of my personal information, as required by law. I hereby request that you provide evidence demonstrating that I was given the opportunity to exercise my right to opt out, as mandated by law. 

Furthermore, I would like to draw your attention to 15 USC 1681b regarding permissible purposes. I never provided written consent for the reporting of my personal information, and the lack of such consent raises concerns about potential identity theft, constituting a violation under 18 USC 1028a. A report has already been filed with the Federal Trade Commission ( FTC ), and my reference number for the case is XXXX. 

In light of the above, I demand that you promptly remove the following account from my consumer report : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you adhere to the requirements outlined in 15 USC 1681c-2 and remove the mentioned account within four business days from the date of this letter. It is crucial to emphasize that my dispute is not with the creditor but with your reporting agency. Reporting items on my consumer report without obtaining my written consent and failing to provide an option to opt out is a direct violation of my rights. 

I expect immediate action to rectify these issues, and I request that you provide written confirmation of the removal of the disputed information. Additionally, I demand that you cease all methods of verification related to this account. 

Failure to address this matter within a reasonable timeframe will leave me with no option but to pursue legal action to protect my rights under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2022-11-30
Company: Radius Global Solutions LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today XX/XX/2022, I received in the mail an attempt to collect a debt from Radius Global Solutions LLC in the amount off {$540.00}. This letter is the first time I've ever heard of this debt. I never applied for this " XXXX XXXX XXXX " account and have no information as to where it came from. This is the 4th identity thief issue I've faced in a six-month span. XXXX others are currently being investigated and the first one was resolved holding me not accountable. I contacted Radius Global Solutions and talked with XXXX and she entered my complaint and said they would get back with me. The reference number on the account is XXXX. 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: MN
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:
Experian has a creditor showing an account in collections for me in a state NC that I have never lived, or will ever live in. It is for a utility company, I have been in XXXX  for last XXXX years. Before that I was in XXXX I will sue them under FCRA for maximum allowable legal limits, but their reporting is inaccurate, which is the reason for my complaint. I have no accounts in collections and havent had any in over a decade. I disputed it through their proper channels, but they have left it on my 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 2023-11-28
Company: Google Compare Credit Cards Inc.
State: CA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased {$400.00} Google Play gift cards, which are both of {$200.00} face value each at XXXX on XX/XX/. Upon my attempts to redeem the purchased gift cards to my Google Play account, an error requesting for more details prevented me from using the card. I contacted XXXX about this issue on XX/XX/. After waiting couple of weeks to hear back from XXXX, I was referred to reach out to Google directly about this issue. I reached out to Google as advised, and provided proof of purchase and gift card pictures. Google refused to allow me access to redeem the purchased gift cards till date, which violates bot Federal Law and California Law that governs purchase of gift cards. All my efforts in getting this issue resolved were all trampled upon by Google. I really wonder why Google would intentionally, and flagrantly violates the Law, and still feel they are untouchable. Their persistent refusal to allow me redeem the cards which I bought since XXXX till date is the true definition of a company that has minimal to zero respects for the law.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: IL
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:
15 U.S.C 1681i ( 5 ) In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C 1681 section 604 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 2023-09-14
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
I, XXXX XXXX XXXX a XXXX XXXX  XXXX XXXX at US Auto sales in XXXX GA on XX/XX/XXXX. 
About 3 months ago Westlake Portfolio Management started to call me to collect payments from me about my car and saying that they are taking over US Auto sales and I need to make payments through them. 
So I followed and started to make payments til I ask how much was my balance. 
They said it was XXXX XXXX Dollars. 
Which is incorrect cause I had got the car for XXXX XXXX Dollars. 
I paid a XXXX US Dollars plus bi weekly payments since I had the car. 
Few weeks later they came repossessed my car when I ask for the correct balance before moving forward on payments. 
My original sign documents from my contract is in my car that they towed in the glove compartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I spoke with the representative of the company, Care Credit Synchrony Bank and expressed my concerns about the late fees. I informed him that I had checked the website for the time frame for late fees to be added to the account. I had informed him that I had observed a XXXX day grace period. I also informed him that I had been informed of this when I applied for the credit card. In turn, all he stated was he couldn't remove the late fees.I also informed him that I had no problems with a few of the late fees. But, the ones that were applied before the XXXX day grace period should be removed. How could I have accumulated a bill of more than a XXXX dollars in such a short period of time? The representative had no reply. I kept asking, but received no reply. All I needed was a few simple answers to a simple question. I'm one consumer that tries to keep track of bills/ debts. I try to keep track of my finances, debts, and credit payments. I'm just trying to get some answers. The issue started in XXXX with late fees. But, was fine in XXXX. But, has continued to the present day.

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 2023-11-18
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
When i try to login to Citi app, i cant see my new opened checking and saving account. 
when i call them, them told me its locked but didnt give me any reason for that lock and they just stole my money.

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 2023-12-05
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have a XXXX XXXX Credit Card account thru TD Bank Account for buying products from XXXX. This year I bought new phone and exchanged by old phone and agreed for the interest free instalmemt payment. 

However, in XXXX  when I purchased new phone replacing the old phone, XXXXTD Bank opened another Credit Card account in my name with same social security number and same credit limit without my knowledge and concent. When I wanted to make the payment, I found my account ( original ), it was showing XXXX balance. Then I called XXXX and TD bank and after several attempts I am told that there new account opened and the balance is shown there. So I questioned them why did open another account in my name : the answer is " Apologies ''. 

In the mean time, the payment was late for a day and TD Bank reported this to the credit bureau and I lost XXXX points which affected my credit standing. 

I called XXXX and TD bank several times to fix this error and they were going back and forth and finally I threatened them that I will complain with CFPB and immediately TD bank reversed the charge. 

Now I have to deal with all credit bureaus to fix this issue. 

Questions should be asked to TD Bank : 1. How did bank open new credit card account where consumer has already got credit card with same credit limit and same SSN? 
2. There is no communication with credit card holder there new account opened? 
3. What internal control bank has to monitor opening credit cards? 

Addresses and telephone numbers : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX Credit Card accounts involved : Account Number : XXXX XXXX XXXX XXXX ( original ) Account Number : XXXX XXXX XXXX XXXX ( opened without my permission )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a victim recently to fraud. They disguised themselves as XXXX XXXX and gained access to my home computer on XX/XX/XXXX. 

I then received calls about fraudulent charges made on my debit card and requested a new card. I also received another call about it being delayed. One of the two calls was a fake and they were able to get more information from me though I dont remember what. While this was happened on the XX/XX/XXXX my account was accessed and atm withdraws were made of XXXX XXXX times for a total of XXXX dollars. 

I had my accounts frozen immediately after that and change my account and blocked all my cards. They fraudsters continued to try and access my account till today. I filed a claim white XXXX and then called back and had to file again because the first one was apparently not sufficiently done. This includes adding information about my digital wallet. They asked if I had any, which I replied that I had an XXXX XXXX Apparently there was a XXXXXXXX XXXX connect to my account as well. I believe thats what they used to pull the money out of my account. 

I was dealing with this while being out of the country ( I flew out XX/XX/XXXX to XXXX ) so it was challenging to contact the Bank. But I did manage to contact them after finding out that my claim had be denied due to the fact that they used one of my recognized computers to access and withdrawal the money. They then suggested I speak to my internet provider to see if they can give me proof that my account was hacked because f I wanted to dispute the claim. This is about the entirety of what happened so far. 

I will now go and cancel my cards today and ask for new ones as the fraudsters still have been trying to use my credit card though its locked. My new account for my debit has not been attacked since I change it though. I also changed all my passwords since then as well Please let me know whatever more information you need me to provide to help assist me get my money back. Thank you in advance. 

The file claim number is the following # XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: TX
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:
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. 

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 explanation
Consumer complaint received 2023-05-15
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
In late XX/XX/XXXX my CD with US Bank ( XXXX ) came up for renewal. They offered 1.15 % APY for 59 months. I agreed since one of their representatives assured me that if rates went up, I could redo it at a higher rate for just a {$25.00} fee, NO other penalty. I thought this was unusual so I triple checked it with him. He assured me that was right. I keep detailed notes of such conversations, including this one. That was XX/XX/XXXX. When rates recently went up to over 4 % I contacted US Bank to convert it over to the higher rate. Now they've told me that there is a penalty of 3 % of the principal. Along with the {$25.00} fee that would be {$270.00}, which wouldn't make financial sense to do it. I asked them to look up a recording of the call in which I was definitely told it would be just a fee of {$25.00}. They wouldn't and said there was nothing that could be done. One of their reps did tell me that the original rep I spoke to in XX/XX/XXXX would've been on sales commission to get that renewal. I know US Bank has been fined before for pressuring employees for sales. I just want them to keep their word in what I was told -- convert the CD still with them for {$25.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: NJ
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation