BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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:
I have asked for unverified late payments to be removed from student loan accounts. You can not report a late payment of 90 days when the month before it was reported ok. 
XXXX XXXX XXXX XXXX XXXX XXXX late payments being reported that are inaccurate and therefore unverified. 

Experian, XXXX, XXXX, and XXXX are governed by 15 USC 1681 and they violated my rights numerous times. 
There is no law stating that any transactions need to be reported. 

According to 15 USC 1681 section 602 A I have a right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written consent and instruction. I never gave consent.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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 a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I tried to pay the escrow shortage for my mortgage in XX/XX/2022 and the payment coupon from the bank had an incorrect address. I ended up putting a stop payment on the first check, sending a second payment to a different address. The bank charged me for a bounced check ( after they tried to cash both checks ) and they have not corrected what my mortgage payment should be on my monthly statements even though when I call them, a bank representative tells me that they have adjusted my mortgage in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Receivable Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello I have a debt from receivable recovery collection agency and I have no idea who they are or how I owe them. I never signed anything with this company to purchase anything with them. I have no type of contracts with these people! Please remove this from my credit report. It's false info. Again I never signed any contracts with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a letter from CitiBank dated XX/XX/XXXX stating they were unable to service my account any longer so they were closing my accounts and the funds in the accounts would be sent to me by check within XXXX days. 

On XX/XX/XXXX I sent a letter requesting to know why they felt they were unable to service my accounts. They did not respond. 

On XX/XX/XXXX I called the number given to me in the letter dated XX/XX/XXXX. The agent stated I would need to contact some one else for further information. I requested to speak with a supervisor. After being repeatedly placed on hold she comes on the line and tells me she has transferred me to a supervisor and she disconnects, no one comes on the line and the call is disconnected. I again call to request a supervisor and am told I would not be issued the funds in my account because the funds in the account were not mine. If it's not my money then whose is it? When I asked whose funds they were then she states she can't give me that information. I request the supervisor for further information. Again I am repeatedly put on hold, again they come on the line telling me I am being connected to a supervisor and they disconnect, again no one comes on the line and the call is disconnected. 

I had approximately {$1100.00} in my checking account and {$87.00} in my savings

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 2023-11-01
Company: EQUIFAX, 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:
I am the living man, executor, beneficiary and It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

You dont have my permissible purpose to identity theft.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: DISCOVER BANK
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had tried multiple times to set up autopay through my Discover account yet was never notified it didn't go through despite a window popping up thanking me for setting up autopay 3 separate times. I was charged late fees each if these times. When I contacted their customer service about it I paid my balance of {$440.00} and told them to close my account when the payment went through. That was beginning of XXXX. I received multiple confirmations of my payment and never once was contacted about the payment not going through. I was locked out of the app as the associate then closed my account. Today I go back onto the app just to verify the account was officially closed and now I am now seeing that I owe {$480.00}, the account was never closed and now I am being charged fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: TX
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I tried logging onto my mobile app for ally bank. An error message stating that " Sorry, our mobile app is not working right now. Please call us for further details. '' This happens multiple times a week unfortunately. When I call Ally bank when I have the time, they do not tell me why the mobile app is not working. They just tell me " no one has called today telling us the mobile app is not working. '' Even though there are several forums online and their reviews online stating that there mobile app is not reliable and not accessible. Sometimes it will say we " we are experiencing technical difficulties, please try again later. '' I

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 2022-12-08
Company: Yamaha Motor Finance Corporation USA
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid my loan ( credit card ) off with Yamaha Financing in XXXX. I contacted them on XX/XX/XXXX to inquire about my refund for an over payment. They stated there was no issue and it would be on the way. XX/XX/XXXX I called back because I still have not received my funds. They stated that the person on the XXXX never started anything toward my refund. So the XXXX XXXX  started it the process. Told me it would be XXXX weeks. On XX/XX/XXXX I called and spoke to manager XXXX and told him it had been 6 weeks and I still had not received my refund. He was going to expedite my complaint to the correct department. On XX/XX/XXXX my statement shows the funds were cleared. I called on XX/XX/XXXX because the check had still not arrived. XXXX told me I had to wait the full 30 days which was XX/XX/XXXX. I waited till today XXXX and called and spoke to manager XXXX. He states he can see where the account cleared, but can not see a check number, and will have to submit a request for a manager to call me with XXXX hours. This is extremely unacceptable. They charge me interest on money they loan me, but they hold my money way longer than necessary for a refund and dont give me any interest. They have a severe lack of communication in their association and I feel like Im just being dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: USCB, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Service for daughter was provided through Louisiana 's XXXX XXXX XXXX. We were repeatedly told that services and products were at no charge and a covered part of the program. 

XXXX XXXX - XXXX XXXX is charging us a fee for {$1200.00} and using the debt collection agency XXXX  America to collect funds. 

I have reached out to both the collection agency and XXXX XXXX, neither will return calls or explain this charge. 

USCB Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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: Credit inquiries on your report that you don't recognize

Complaint:
i went to the XXXX dealer ship to get a car but they went crazy on checking my credit report all hard inquiries after everything they say no to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-09-27
Company: Kohn Law Firm S.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They contacted my landlord asking for personal information such as my address, phone number, and employer information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: NV
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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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:
Hello back in XXXX  I submitted identity theft report in XXXX, I had my identity and info compromised not once but twice but twice when the XXXX breach happened my name has been dragged through the mud and I owe money to a bunch of accounts that I didn't even apply for my phone was stolen had all my info in there, got so many calls and inquiries on my report that I did no authorize, reported to police no one ever followed up with me and I've been financially sturgglince since then and throughout XXXX, I am a XXXX XXXX XXXX XXXX XXXX I am XXXX of the backbones of this country fighting this war, and I have gotten no respect, from anyone, this has brought me to XXXX XXXX XXXX, I have documented proof of my depleting, XXXX XXXX filed XXXX police reports and test bureaus refuse to remove this false info, and have never even validated debt never gave me original statements and paper work, these companies have recouped their money and I and my family are still broken. I NEED HELP, I CAN NOT continue to struggle like this, my family is suffering!!!

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 2023-11-03
Company: EQUIFAX, INC.
State: FL
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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: NM
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX is reporting old information in which according to FCRA are old accounts and they can be removed from my credit file. I requested via fax again for the removal of the old creditors and the old account haven't been removed. This is the account in which I am asking to be removed from my credit XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, 2018 Balance : $ XXXX I am no longer liable for this account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2022-07-30
Company: Self Financial Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a loan on my credit that I didn't take and is affecting my credit report. the are a lot of loans on my credit that is doesn't below me. FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Had a letter in the mail last year to pay my debt for midland credit they gave me  XXXX  options to pay my dept of I choose option  three monthly payments as low as {$50.00} a month and that was going to be for six  months. I did that set everything up automatically. But after that never got any letter from them with any updates or any other information. So I thought that this was going to be clear but now I 'm finding out that it 's hurting my credit and I want to clear this up. Thank you marielle ashby

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Back in XXXX my wallet and my cell phone were stolen out of my car along with other things. All of my private information was on my phone and they were able to create a fraudulent XXXX account in my name which has already been shut down. However I noticed back in the beginning of XXXX that there were some transfers to that account that I didn't make. The first transfer was on XX/XX/XXXX for the amount of {$390.00} and the other was the next day XX/XX/XXXX for the amount of {$99.00}. as soon as I noticed the charges I submitted a dispute with Cash app for both charges on XX/XX/XXXX and they denied both disputes. When I asked for documentation on why my disputes we're denied they sent me a form that shows what the charges were for and the amount of the charges but no info explaining how I would be liable for the unauthorized charges that were made fraudulently on my account. I have since then opened another dispute on the same charges and have contacted an attorney and contacted cash app support on multiple occasions and they are refusing to issue the refunds which I am entitled to according to regulation E. I've attached all of my supporting documents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: TX
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:
THIS IS NOT A DISPUTE. EXPERIAN BROKE THE LAW AND REPORTED UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE EXPERIAN ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED INQUIRIES ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).

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