BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 non-monetary relief
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: GA
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  Account # XXXX XXXX ) XXXX XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX Account Number : XXXX XXXX ) Chapter XXXX Bankruptcy Case Number : XXXX XXXX ) Chapter XXXX Bankruptcy Case Number : XXXX XXXX ) Chapter XXXX Bankruptcy Case Number : XXXX XXXX ) XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX Card Account # XXXX XXXX ) XXXX XXXX  account # XXXX XXXX ) XXXX XXXX  acct # XXXX XXXX ) XXXX XXXX XXXXXXXX partial account # XXXX XXXX XXXX XXXX XXXX XXXX  Holding partial 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a dispute letter to all 3 credit bureaus to dispute this account below XXXX XXXX XXXX # XXXX I see multiple inaccuracies on this account in correct open date, date of last activity, and balance, account is in accurate and violates the FCRA Its been 60 days I still haven't heard a response from experian and 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 2016-12-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
Barclaycard credit card, issued by Barclays Bank Delaware, continuously flags my card for fraud requiring that i contact and spend hours on the phone. After resolving the matter at considerable expense of time on a call to them, and after being reassured that the hold has been removed, I try again to use the card at the same merchant and again the charge is denied and flagged for fraud. Each time that I call I am told that there is nothing that they can do, and more importantly, they refuse to tell me the exact cause for being flagged. At this point the items that were to be purchased for XXXX will not be received on time. Even after escalating to the resolution manager, both times, nothing is resolved.

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 2016-02-14
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry was initiated by XXXX BANK on XXXX. I did not authorize any employee of XXXX BANK to review my records for any reason at any time. I had also requested XXXX BANK to provide me with documentation for my verification within 5 business days and they have failed to do so, in clear violation of my FRCA and Privacy Rights. I have continued to suffer irreparable economic injuries as a direct result of this negligence on the part of the BANK, including but not limited to inability to secure meaningful employment, housing and obtain new credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern : I submitted two dispute letters certified mail acting in good faith, showing delivered on XX/XX/XXXX and another one on XX/XX/XXXX. I disputed this account and the inaccuracy of this fraudulent account on my credit report. I asked Macys for my verified signature and how they validated this fraudulent account and all the corresponding information. They have failed to provide me the requested information. I never opened an account, I didnt authorize this to be on my report. This is a fraudulent account. I asked them to investigate this account and to delete immediately from my credit report. It's been over 45 days with no results. I also uploaded documents of my police report from XXXX and drivers license confirming my identity. I have been a victim of Identity theft twice in XXXX and XXXX. I did not consent to, authorize nor benefit from the following account. Please block and remove from my credit report. They have violated multiple laws and they responded in black and white responding to my letter stating I still owe them the undisputed debt when I have disputed the inaccuracy and the entire fraudulent account and I am on record stating this account is not mines. Yet and still they respond with a blatant violation. I would like for this to be resolved immediately. Please see attached a copy of all of my supporting documents. This is very Frustrating.

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 2021-09-06
Company: World Acceptance Corporation
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 had several accounts charge off I paid off for deletion and the charge off still on my credit as well as some accounts report that should be deleted and report wrong. This has take a toll on me mental where I cant even get loan for my business. Ch XXXX need be taken off because I never went through it. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX World fiancXXXX XXXX collection report collection that was false took my score down 70 point. I paid them also old account. This has effect me I work so hard pull up my score and it has not help I paid over 5k in charge off and still reports negative as well repo that was sold and not liable for should be Delete instead report negative against me a lot the info is wrong my report I have disputed it all three credit bureaus and still no action on their part

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Before I had an unwelcome guest in my home removed by police on XXXX/XXXX/15, he stole my Discover credit card out of my wallet, without my knowledge. He proceeded to use it for 4 days and charged up over {$800.00} dollars. I did n't know the card was gone until I received a call from Discover asking about fraudulant charges. I said it was fraud and they told me to file a police report, which I did. I spoke to the detective twice and told him the situation, then I never heard back from him at all. I received no information unitl I got a bill from Discover showing the fraudulant charges were added back onto my account. I called and their fraud investigator told me that the police determined that I gave the thief my card to use so I was liable for the charges. I had no opportunity to dispute the claim and ultimately had to pay for the charges so that my account would not be overdrawn and affect my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX System Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX and 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 2022-07-26
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-04-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Chapter XXXX case # XXXX was converted to a chapter XXXX case # XXXX and was discharged XXXX/XXXX/2006 Equifax is still reporting these XXXX cases as seperate cases when the chapter XXXX case was converted to the chapter XXXX case and discharged. The bankrptcy court said that the chapter XXXX case is the only case that should be reported.It appears that Equifax is not verifing this information correctly after XXXX requests to change this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Credit Management Services, Inc.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had XXXX XXXX bills that with XXXX and at the time I was un-employed and actively seeking work. They could not work with me on payments and thus turned over to CMS ( credit management services ). 

CMS never contacted me properly and I contacted them after finding it on a credit report. I was willing to make payments but they would only take payment in full and nothing else. If I had the pymt in full it would have never went to collections, as I acknowledge I owe the debt. I tried a number of times to rectify the situation ; however, they continued to tell me pymt in full only. I was then subpoena 'd by mail ( with no date or time information ) at the end of XXXX 2014. I called them immediately and stated this was un-necessary as I am willing to make payments. Yet again, payment in full only. I then asked when was I to appear in court and they stated they could not give me legal advice. I stated this is not legal advice as I only want to appear to defend myself. The were of no help and quite deceptive. So I obviously missed my court date and then received a judgement against me at the beginning of XXXX. I called them the same day XXXX received the judgement and I found out that XXXX again the only thing they will take is payment in full and they already know where I bank and have a court order to garnish accounts. 

I really feel that this is highly un-professional as I am willing to pay, but I have not options to do this in full. They did give me a suggestion to borrow from family ; however, you see I can not do that as my family is small and on limited income. They also asked me to get a loan to rectify the situation, but you see I have no collateral do do a loan and do not have the credit to do an unsecured loan, either. This really puts me in a bad spot and I was willing all along to make pymts. 

I feel this company is extremely unfair, unreasonable, and quite un-professional in how they conduct their daily operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
On XXXX XX/XX/2008, I entered an agreement with BMW Financial to lease a BMW XXXX series for a term of 3 years. My payments were roughly $ XXXX/month with a down payment of {$2500.00}. In XXXX of XX/XX/XXXX, I was laid off from my employer, and realized that the monthly payments were too high and decided to return the lease. I had XXXX potential sellers for the car in which BMW was unwilling to handle the sale of the car. I returned the lease to BMW in which the car was sold at the auction for {$24000.00} with a deficiency balance of {$8500.00}. To this day, I still do n't understand the point of BMW declining the sale of the lease car in which I provided potential sellers and selling the vehicle at the auction. It 's a win win situation for BMW, because they were able to capitalize off a consumer like me. Now that I am trying to buy my XXXX home, I have a derogatory account from BMW. The car was n't over mileage nor in any comestic damage when it was returned. BMW made it 's profit with the monthly payments and was able to sale the car without ease.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
pnc bank bought the original lone from XXXX XXXX my loan is going back to 2002 payments were made correctly every month all of a sudden I get a letter the loan is due in full I made numerous phone calls to a man by the name XXXX XXXX to whom the bank said I can only talk to him and demand to show me why the loan is due as of today I still did not get it at the end on XXXX XXXX I paid of the loan in full to add insole on injury pnc bank goes & reports on XXXX XXXX as a 60 day loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
the PNC bank of XXXX PA ALLOWED THE VISA CARD PEOPLE TO GO INTO MY BANK ACCOUNT ENDING IN XXXX A TAKE MONEY FROM MY ACCOUNT WHEN I HAD CHANGED DEBIT CARD NUMBERS AND WAS TOLD BY THE BANK THAT NO ONE COULD COME IN MY ACCOUNT AND TAKE MONEY WITH OUT MY ACCOUNT NUMBER! THEY ALLOWED THE XXXX TO DO SO AFTER CHANGING MY DEBIT CARD NUMBER! THE XXXX PEOPLE GAVE THE XXXX PEOPLE MY NEW CARD NUMBER WITH OUT MY PERMISSION A VIOLATION OF THE FDERAL PRIVACY ACT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is allowing everyone unfettered access to pwrsonal data they had no right toever collect. then they act like the XXXX, demand decades of data-to remove data, which they then claim is accurate ( never volunteer data ). 
it takes an act of congress to get them to remove anything and then they rinse, wash, repeat. credit lines are demanding access, but nexus is not a legitimate cra. i have been denied two cards, etc on this basis alone.

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 2022-04-22
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This JEFFERSON CAPITAL SYSTEM account with a balance of {$240.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation