BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: IN
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account 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 2016-09-15
Company: Coastal Credit, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My car payment is due in the XXXX of each month. It is financed with Coastal Credit LLC. Due to my pay schedules, I generally make my car payment around the XXXX of each month. The phone calls I understand as I am technically late. However they have repeatedly sent me unsecured text messages regarding my delinquency and I have asked them to cease contact attempts with me in this fashion. They have recently messaged me on XXXX regarding the delinquency as well. Unfortunately this was seen by several of course workers as I was not in a private location when this was seen. This happened on XXXX/XXXX/2016. I was contacted by XXXX CoastalCredit. Neither method of contact is considered secure and I feel is completely inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I SEND A LETTER TO EACH CREDIT BUREAU BY XXXX ON XX/XX/2022. THE TRACKING NUMBERS ARE AS FOLLOW ; XXXX # XXXX, XXXX # XXXX AND EQUIFAX # XXXX. I GIVE CLEAR INSTRUCTIONS TO REMOVE INFORMATIONS I DONT WANT ON MY CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681. I HAVE THE RIGHT TO PRIVACY. ALSO ACCORDING TO 15 USC 6802. NO FINANCIAL INSTITUTION SUPPOSE TO SHARE MY INFORMATION TO A THIRD PARTY PEOPLE. 
THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I SEND A LETTER TO EACH CREDIT BUREAU BY XXXX ON XX/XX/2022. THE TRACKING NUMBERS ARE AS FOLLOW ; TRANSUNION # XXXX, XXXX # XXXX AND XXXX # XXXX. I GIVE CLEAR INSTRUCTIONS TO REMOVE INFORMATIONS I DONT WANT ON MY CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681. I HAVE THE RIGHT TO PRIVACY. ALSO ACCORDING TO 15 USC 6802. NO FINANCIAL INSTITUTION SUPPOSE TO SHARE MY INFORMATION TO A THIRD PARTY PEOPLE. 
THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.

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 2022-05-23
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter 2 times and each time this company failed to validate my debt.. 
Letter 1 sent.- XX/XX/22 Letter 2 sent.- XX/XX/22

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Late fee

Complaint:
We were three days late in paying on our Barclaycard XXXX XXXX XXXX credit card, issued by Barclays Bank Delaware. We ordinarily pay the full balance each month, but we had been on vacation and our schedule was off, so we expected to be assessed some sort of late fee and/or interest. But I was shocked and disturbed to learn what must have been hidden in the fine print : on a total statement balance of {$26.00}, we were assessed a late fee of {$26.00}. This was so disturbing ( and confusing ) that we called to complain. The explanation from a supervisor : the late fee was SUPPOSED to be {$27.00}, but apparently the bank 's policy was to lower it for a smaller balance. When I noted that this was equivalent to charging us 100 percent interest for three days, the supervisor said he understood but that there was simply nothing he could do. In fact, I assume that we will also be assessed interest for the carried balance, so the ultimate cost of this will be more than the total balance. On an annualized-interest basis, that seems equivalent to charging us more than 10,000 %. I do n't know if this is legal, but it should n't be -- it 's an abhorrent, " gotcha '' charge of the worst sort.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bought 12 months cash option with no accrue interest. I made several payments to Conn 's and paid the last payment on XXXX/XXXX/XXXX. unpaid cash balance was {$3400.00}, payments were done as follow : XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX ( paid in full ) on Monday XXXX XXXX, XXXX, I got a text friendly reminder that my payment was due that day. I called the number listed on the text to tell them that I had XXXX balance and they told me my 12 month not interest was denied. I paid in full 2 months before the 12 months was due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: TN
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:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX , XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX  XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family

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 2016-11-30
Company: N.A.R., Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
North American Recovery has been harassing me and has failed to provide information necessary to determine if an alleged debt is valid. They have called me repeatedly and spoken to me in a combative and threatening manner and made numerous threats. I have multiple times provided them my correct address and requested a written description of my debt per my legal rights. I have received nothing from them. I recently discovered a negative entry on my credit report attributable to them that arbitrarily exceeds the amount they previously claimed I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Conn's, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company in XXXX called Conn 's Appliance keeps calling my parents house for a debt that they say belongs to someone with my same name. I have not lived with my parents for over 15 years. They live in XXXX, XXXX & I live in XXXX, XXXX. I have never been to XXXX. They are telling me to give them my bday & last XXXX of social to go further into the information, but I am not giving that information over the phone to a company I have NEVER had contact with. I told them this & they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card
Issue: Balance transfer

Complaint:
I received multiple 0 % interest rate balance transfer offers from Barclay Bank. I did take advantage of one of these offers from Barclay. I transfer a balance from XXXX to a new Barclay Credit Card. I was charged a transfer fee of {$54.00} which I agreed to, in exchange for 0 %. After reviewing my statement which I should of done earlier, I see I have been assessed interest charges. They are as follows : XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XXXX/XXXX/16 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-PURCHASES XXXX XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-PURCHASES XXXX XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-PURCHASES XXXX I have called Barclay and asked that they reverse those charges and honor the 0 % offer. The last person I spoke with was '' XXXX ''. I have a claim # XXXX. Phone # for future communication XXXX. I also explained to XXXX, that I called the phone # on the Barclay 0 % offer letter and spoke with a person who was hard to understand and did not speak good English. But, they assured me the promo would take effect immediately. 
In closing, I asked that all interest charges be reversed and the promo instated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-08
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card
Issue: Rewards

Complaint:
I signed up for a XXXX Extra Points Visa Card with barclaycard. I was informed that I would receive bonus points for my payment of my XXXX XXXX SBL ( Seat Builder License ). However, I just made my payment for that license on XXXX/XXXX/16 for {$4000.00}. However, the company did not aware me the correct bonus rewards as promised.

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 2022-08-27
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2022, I requested my lexis nexis report online and I called for confirmation and I still have not received it. I am demanding it immediately. My address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: ARC Management Group, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I received an alert from my credit monitoring services and saw that a medical debt for {$81.00} was added to my XXXX report. I have never received any communication from the original creditor XXXX XXXX XXXX nor have I received any communication from the collection agency ARC Management. I have never been a patient at XXXX XXXX XXXX and I do not understand why this was added to my credit report. By law the debt collector was required to submit a initial communication regarding this alleged debt to allow it to be disputed if not valid. This debt is not valid and is not my debt. XXXX has caused an adverse affect on my credit worthiness by adding this alleged debt to my report from a hospital I have never been to or heard of. This alleged debt shows opened in XXXX XXXX. I contacted the XXXX XXXX XXXX and they could not find any information regarding the alleged debt. XXXX should not be allowed to add any alleged debt to a persons consumer reports without proper validation and verification. They are not abiding by the FDCP laws that protect consumers against unlawful collection of consumer debts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: GREAT LAKES
State: MN
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Unfortunately I been having issues with some type of debt collecting agency that I have no idea how I got into. It 's a fee every month they send through a email but I have NEVER borrowed money from whoever this is. So I 'm very confused and the fee is just going up every month, I do n't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Saturday, XX/XX/XXXX, I received a notice that I was not approved for a bank account through U.S. Bank. The application ID in the email that was sent to me was XXXX, but I never applied for an account through this institution. While I was not approved, the application was submitted was the result of fraud. This is the 4th institution that this type of fraud has been initiated at in my name. I attempted to contact the institution using their fraud alert email ( XXXX ), but have not received a response yet.

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 2017-10-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my report this account from XXXX was previously removed from all 3 of my credit file. Now without knowing and knowledge this company has sold this account to another collection agency and is reporting on my file. This is a illegal act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2016-07-05
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/16 and XXXX/XXXX/16 I received phone calls from Barclays XXXX XXXX Master Card reporting charges to my account which I declared as fraudulent. On both cases new cards were issued and an investigation supposedly took place. On XXXX XXXX I received two letters declaring those purchases as valid. When I called to inquire why, I was told that " the cards had a chip which rendered them incapable of being copied ''. Never mind the magnetic strip on the card. I requested disputed forms which I filled out and return along with explanatory letters of what I had been enduring from other credit cards and my belief that I had been scanned because I only used the card once for a minor purchase with the State of Florida. Now they have obviously ignored all the explanations and are harassing my phones with calls from different numbers. Probably my credit will be impacted as well, even though I had nothing to do with those purchases. Even when I ask to see the signatures and videos on the purchases, the clerk I spoke to said that " it did not matter. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17
Company: I.C. System, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened cell phone account with XXXX and bought XXXX Phones received them the very next day contacted XXXX and closed the account never opened the cell phones I mailed them back to XXXX and got a refund spoke with XXXX different manager and account was supposed to be closed and cancelled and I didn't owe anything. Well a year later att send me to collections for an account that should have been closed and paid in full and now refuses to remove it from my credit

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 2017-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery is attempting to collect debt that I have no knowledge of. Calling at all hours of the day and night, sometimes trying to be deceitful by changing numbers to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: Experian Information Solutions 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:
I recently saw that I have 2 credit cards that I never applied for. I am a housewife and don't work so never had the need to check my credit but when I recently chekced after a long time thats when I found out that there are 2 credit cards whch I have no knowledge of and are unathorized acccounts which ARE NOT BY ME THEY ARE OPENED FRAUDENTLY. I AM A VICTIM OF IDENTITY THEFT AND I AM JUST FINDING OUT ABOUT IT!!. I would like to get these both unathorized fraudentlt accounts off from my credit. These 2 accounts have hurted my score alot and during these hard COVID times i can not afford to loose another chance to miss on an oppeetunity.. These cards both have balances on them that I did not authorize at all. These Both credit cards are fraudlent. Please resolve this mater as soon as spossible as ths is an urgent case. 
Following are names are of unauthorized acounts 1.XXXX XXXX XXXX   acount ending in XXXX 2XXXX XXXX Credit card Thats all the info I have.

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