BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found a lien against my house when I did a property search on XXXX last night. I have no knowledge of this lien and had no knowledge of this debt either. The lien was filed in 2018 in the amount of almost XXXX. When I was younger I was very irresponsible with my credit, i didn't pay my bills or credit cards, along with medical bills, they all went unpaid. If this lien has incurred from those debts, I'd assume this is illegal since I've had no notice of this debt in over a decade. No phone calls or letters, no knowledge of a court date. According to ORS XXXX the lien was supposed to be perfected which includes a statement of demand, which I never received. 
I believe ray Klein inc is guilty of violating ORS XXXX of false swearing because the court records for this lien mention the owner of the debt being notified or having knowledge and under the comments the only thing it says is " personal. '' What does that even mean? Someone from ray Klein inc claims they personally notified me of the debt or court notice? I can only guess what any of it means since I wasn't notified nor was I there to defend myself. 
Also in oregon the statue of limitations for debt is SIX YEARS. again I have no knowledge of this debt but I would love to see proof of this debt being as recent as six years ago because I highly doubt that. If this debt is a medical bill which ray Klein inc is known for collecting debt for ( providnece ) then ray Klein inc is guilty of violating ORS XXXX Q- attempts to collect any debt that the collector knows, or after exercising reasonable diligence would know, arises from medical expenses that qualify for reimbursement under the oregon health plan or under XXXX. I have been insured through XXXX for the last six years and it is not possible for me to have any medical debt that has not been paid. 
Another violation.. ORS XXXX files legal action to collect or files a legal action to collect a debt if the debt collector knows, or after exercising reasonable diligence would know that the statue of limitations bars the collection I could go on and on for all the violations this company is guilty of since there are so many laws to protect consumers for this very reason, for businesses like ray Klein inc . I plan to sue this company and hopefully they will be known for the fraud, falsifying, lying dirty rats they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX  ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 

I want all of my credit freeze/unfreeze costs paid for with all bureaus as well as compensation for credit monitoring for as long as this breach of confidential data remain a risk for me, which is forever if my name/DOB/SSN/DL # has been exposed - or at least as long as this industry keeps treating an SSN and a smattering of largely disclosed and/or public information as a private key.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: FORD MOTOR CREDIT CO.
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: Old information reappears or never goes away

Complaint:
In XXXX of XXXX I filed a report with CFPB stating that the information on my Ford Motor Credit account was incorrect. Ford resolved the issue saying that no delinquencies should be shown on my account from XXXX through XXXX XXXX. However, in XXXX of XXXX a late payment of 30 days for the month of XXXX of XXXX was posted back to my account with Ford Motor Credit. This is all in case XXXX of mine with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Texas 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Texas 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 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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
up in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Creditor Name : XXXX Account number : XXXX Creditor Name : XXXX XXXX Account # : XXXX Creditor Name : XXXX XXXX XXXX  XXXX Account # 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 2017-09-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened up a CitiGold checking account back in XX/XX/XXXX using a promotion that would give me XXXX XXXX XXXX miles once Ive made 2 bill payments and {$1000.00} in purchases on my debit card. I completed the requirements and hadnt seen my points post yet. I submitted a secure message around XX/XX/XXXX and the representative confirmed that I completed promotional requirements and that I would receive the I would see the miles post by XX/XX/XXXX.
Unfortunately the miles never posted and citibank reneged on their end of the promotion even though according to the terms that were displayed on opening my account I should have been eligible. I had to pay several months of monthly service fees for a bank account and did not receive the promised promotion.

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 2022-08-15
Company: EQUIFAX, INC.
State: NY
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:
XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Creditor Name : XXXX Account number : XXXX Creditor Name : XXXX  XXXX Account # : XXXX Creditor Name : XXXX XXXX XXXX  XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I sent the credit card ( Bank Of America ) bill payment 10 days before the due date on XX/XX/2022 which reached them late because of US Post service but they charge me {$25.00} as late fee but I called them to charge this bill ( paid {$120.00} ) from my savings account ( the balance of which then falls below {$500.00} and I have been charged {$8.00} again for account maintenance fee ) and lately they got my check too which I mailed them 10 days earlier from due date and was posted on XX/XX/2022 on my account. So I am calling them again again to waive that late fee of {$25.00} which is none of my fault but they they can not do. Please 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 monetary relief
Consumer complaint received 2017-09-10
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 fraud alerts or security freezes

Complaint:
After the XXXX breach, my wife put a freeze on using either of our credit reports without our consent. We live in Texas, a community property state, where both spouses are liable for the debt of the other. Experian is the only credit rating agency that required I submit a seprate security freeze request. I tried to submit the request on their online form, but they responded saying that " they could not honor the request based on the information I entered. '' They did not say what information was at issue. The reply said I must submit all the same information requested by the form to them by mail. Name, address, SSN, prior address, date of birth, and a fee. First complaint : Why they do not allow on spouse to submit the freeze for both spouses per other agencies. Second Complaint : Not identifying the issue that prevented using the on-line freeze. Third Complaint : Requiring me to send all the information to them by postal service. 
I did not contact them by phone ( they have no email contact information ) because these policie and procedures seem to be designed to discourage consumers from requesting a freeze. In effect they have collected all my personal information and do not provide a easy process for me to protect myself from someone getting hold of that information,

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 2022-06-17
Company: EQUIFAX, 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:
FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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:
FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-06-17
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I made a payment of {$3500.00} to pay off the balance on my XXXX credit card. On XX/XX/XXXX, I made another payment of {$52.00} because my account showed that as a remaining balance. In XXXX, I received a phone call from Comenity saying I owed {$49.00} in late payment fees. I was astonished thinking I had paid off this account ; after talking to several reps with the company they said that I had paid the large amount in XXXX after the due date, resulting in the late fees since XXXX. They also destroyed my credit by reporting to the Credit Bureaus late payments from XXXX till XXXX. ( As I'm writing this, I believe the {$52.00} payment on XX/XX/XXXX was the late fee I paid, which means none of these late fees should have been made against my account ). In XXXX, I disputed these charges, and the fee they charged to my bank account was returned to them unpaid. After receiving a response from their Credit Department that they had a right to charge me these late fees, I set up on XX/XX/XXXX a payment of {$49.00} to just end this whole nightmare. 
Today I received an email from Comenity saying that I owed late fees ; I immediately called up Comenity who stated they never received my payment from XX/XX/XXXX. Of course I had the withdrawal showing on my bank account as well as the confirmation number from Comenity when I set up the payment. 
Finally I talked to a third rep, XXXX, who said he was the Senior rep. As I tried to go over the transactions from my Comenity account with him, he said he did not have the same view as I did making it impossible to go over each payment. He then began shouting at me, at which time I told him to lower his voice. He said that after I paid the {$49.00} amount on XX/XX/XXXX, I was charged a late fee of {$25.00}. I said I just wanted to pay this amount and that I would be making a formal complaint against Comenity. I asked XXXX for reassurance that no other charges would be accrued against me ; he replied that Comenity has a {$2.00} fee on any account with an open balance, so he could not promise me no other charges would pop up. At this point I told XXXX well how can anyone pay off their Comenity account if you just keep adding fees. He advised he would make it so these {$2.00} fees would not be applied in the future against me. 
The unfairness of all this made me, a XXXX XXXX Veteran and retired XX/XX/XXXX, cry. I believe I was wrongfully assessed a late fee from XXXX, which I paid, which then led to the destruction of my credit and continuing fees wrongfully accrued. Thank you so much in advance for any help you can give and hopefully other people will not have to go through this horrible process with Comenity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to places that were supposed to provide a service and instead it resulted in multiple hard inquiries. 

XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My XXXX card balance is paid in full monthly by autopay. A charge reversal resulted in XXXX showing a credit on my XXXX, XXXX statement. 

The XXXX and XXXX statements charged me interest both months for charges dating back to the timeframe during which XXXX showed a credit. 

They have told me it will take several months of these interest charges to catch back up, despite the autopay feature being for paying the statement balance in full. 

For {$75.00} interest, they lost a {$99.00} annual card payment and the monthly merchant fees on several XXXX dollars in charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: OR
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:
Equifax had a data breach, and waited months before making consumers aware of it. They created a bogus site to see if you were affected that is n't even on one of Equifax 's subdomains, and tried to sneak in a non-arbitration clause when signing up for their 90-day credit monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To whom it may concern, I need your help. XXXX  is XX/XX/2022. I made 3 transactions for scammers via XXXX, and the total amount I lost was {$2900.00}. When I know they are scammers. I went to US bank in XXXX to support me. I told the banker to cancel my transactions. she said she could not do that. I asked her to create me a new account because I worry the scammers will hack my account and steal my money again. Today I called customer service of US bank. Once more time I asked for help me cancel my transactions. She said she can not cancel those transactions. She said it is my fault. I was not in control of my account. I also told her " my transaction is under Federal Regulation E. '' The US Bank must help me. I need US bank to protect me from scammers. I feel the rights are not spent for victims. When I know my transaction to transfer for scammers. I told them please help me cancel it. They did not do that. If those transactions can not continue, the scammers can not do anything, and I can not lose my money. It is my money. Why I can not decide on my transactions? I feel unfair when I hard work to earn my money. This is my property that I earn it a long time. I also asked the banker : " how do US bank protect customers like me? '' What is the responsibility of the bank? They just said, " I am so sorry, this is my policy. '' I Do not know what is weird ] the policies just protect scammers. Nobody would like to become a victim of scammers. If I know they are a scam, I have never taken this call. I never and never send money from them. Since {$3000.00} is a big bill for me, I called many phone numbers to help me including XXXX, bank customer service, and a police officer. No one can help me. I do anything to get my money back. I feel hopeless in this life. The rights are not for a victim like me. I need to help. I need to protect and a fair. I hope someone could help me. This is the reason I am sending this letter.

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 2017-09-10
Company: Convergent Resources, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX UNAWARE OF THE TWO ACCOUNTS. SEEMS FISHY TO ME AND I HAVE NO CLUE WHERE THEY CAME FROM. IF I FIND OUT THAT YOU CREDITORS ARE PURCHASING INFORMATION, PLACING UNVERIFYABLE ACCOUNTS ON MY CREDIT FILE I WILL BE CONTACTING THE FTC, BBB, the county courthouse to file a lawsuit against you creditors asap. You 've broken several laws within THE FCRA. I would like to see the verification process that you the creditor and credit bureau supposedly did. Please remove these accounts before I take legal actions because I know my XXXX rights as an American Citizen.

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 2017-09-10
Company: EQUIFAX, INC.
State: WA
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:
Equifax leaked my SSN and did n't even send me an email to notify me. I get that security breaches happen but I could have protected myself long before now if they had the decency to notify their customers. Seems to me like they were trying to sweep it under the rug.

Company response to consumer: Closed with explanation