BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: LAKE MICHIGAN CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX, I purchased a sofa from XXXX XXXX. In XXXX of XXXX, I was informed that XXXX XXXX  completed an XXXX process to sell their company to another company and that my order was never produced. I was given the option to cancel my order and submit a claim for the amount of money I spent. I did so. I was told to wait until XXXX XXXX for a resolution. XX/XX/XXXX of XXXX, I found out that the company responsible for settling XXXX XXXX  debts would not be paying out my claim. So I was out that money for a product I never received. I am waiting for XXXX to resolve this dispute and refund my XXXX dollars.

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 2023-03-23
Company: TrueAccord Corp.
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 Account # XXXX, has violented my rights. 
15 USC 1681 Section 602 State I have the right to privacy.

15 USC 681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has hit my credit reports claiming I owe them a debt which I do not Ive never contracted with them and I am not a party to any contractual agreement set forth between this company and said original creditor. 
They need to provide my original contract with wet ink signature showing I owe them anything. 
This is not mine. I used their online method of contact to dispute the debt and I also sent them mail correspondence as well on XX/XX/23 which I never received a response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I got married and moved. I have tried to change my information online and through phone calls. They never properly changed my information therefore I did not receive my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
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: Credit inquiries on your report that you don't recognize

Complaint:
YOU VIOLATED THE LAW. PURSUANT TO THE FAIR CREDIT REPORTING ACT AND ITS DEFINITION OF A CONSUMER REPORT, A CONSUMER REPORT DOES NOT INCLUDE A REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT!!!! I DO NOT CONSENT, I DO NOT AUTHORIZE, NOR I DO NOT BENEFIT FROM THE INQUIRIES BELOW. THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY THE CONSUMER. BLOCK AND REMOVE THE FOLLOWING INQUIRIES IMMEDIATELY!! PLEASE READ ATTACHED FTC REPORT. PROPER IDENTIFICATION IS ALSO ATTACHED. 

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 2023-07-06
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
Attached you will find a credit report showing the XXXX XXXX account is closed and all payments are on time and this account was opened XX/XX/XXXX over XXXX  years and XXXX months and XXXX, Experian and XXXX are still showing this on my credit report. Please see attachment. And showing like I still making payments on this account for XXXX, XXXX, XXXX and XXXX when this account has been closed. No payments are being made so why is this still showing and the account is closed and over XXXX years old.

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 2023-06-18
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX Re : Disputing errors on credit report Dear CFPB, I am writing to request a correction of the following information that appears on my XXXX, Experian, XXXX consumer report. Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I request that you investigate the following items : ACCOUNTS : Dispute 1 : XXXX Bank opened on XX/XX/XXXX Dispute 2 : XXXX XXXX opened on XX/XX/XXXX Dispute 3 : XXXX XXXX opened on XX/XX/XXXX Dispute 4 : XXXX XXXX opened on XX/XX/XXXX Dispute 5 : XXXX  XXXX opened on XX/XX/XXXX Dispute 6 : XXXX opened on XX/XX/XXXX Dispute 7 : XXXX/XXXX  opened on XX/XX/XXXX Dispute 8 : XXXX XXXX XXXX XXXX XX/XX/XXXX Dispute 9 : XXXX XXXX opened on XX/XX/XXXX Dispute 10 : XXXX XXXX XXXX opened on XX/XX/XXXX Dispute XXXX : XXXX XXXX XXXX opened on XX/XX/XXXX INQUIRIES : Dispute 12 : XXXX XXXX made on XX/XX/XXXX Dispute 13 : XXXX XXXX made on XX/XX/XXXX Dispute 14 : XXXX XXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 15 : XXXX XXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 16 : XXXXXXXX XXXX made on XX/XX/XXXX Dispute 17 : XXXX XXXX made on XX/XX/XXXX I contacted those credit agencies directly and asked them to remove their credit account and/or inquiry from my credit report. I request that you investigate the following items on my credit report to determine who authorized the item. If you find my allegation to be true once your investigation is complete, please remove these items and send me an updated copy of my credit report at the address listed above. 
If you find the account and/or inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Thank you for your assistance in this matter, 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 2020-05-15
Company: Express Recovery Services, Inc.
State: OR
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:
Express Recovery -XXXX : Express Recovery is collecting on a debt I do not owe. I never received a letter or call from them. As soon as I saw this on my credit report, I called an paid it. Since I never received any correspondence regarding this matter, it is in violation of my 30 day right to dispute opportunity. Please remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to sign up online to pay the bill and the account number is not obvious on the bill. List as XXXX. I missed the payment due to not being able to register. When I called the company they pointed it out that it is listed in some obscure place, while beling listed on the bill as XXXX in two different places. I believe they do this on purpose to change a late fee and make more money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: CA
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:
LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title enter title Section section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Accounts name : XXXX XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX These companies have violated my rights listed above.

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 2023-03-23
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XXXX of XXXX  I purchased a car from XXXX XXXXXXXX XXXX in XXXX, XXXX XXXX The car was a XXXX XXXX XXXX with approximately 40k miles on it. The transmission went out in the car while it was still under warranty. I was given a loaner car for 30 days and they neglected to fix the transmission and kept giving me the run around about the car. I was paying my car note to credit acceptance on time until XXXX even though I was without a vehicle. XXXX  XXXX XXXX was shut down, I still had no car but was still expected to pay the note to credit acceptance. My car was not repossessed This is very damaging to 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 2023-03-23
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express closed all my accounts. I called the executive office and was told I was rude to one of their agents. Really? Rude to an agent. I was not, maybe my authorized user XXXX XXXX was rude to an agent when he called but I was not. I tried to apply for a new card with AMEX but was told by their underwriting team I had been placed on their blacklist. This is highly illegal. Ive attached the laws for everyone concerned. I was even told by AMEX executive office that any new applications would automatically decline because I was on this illegal list. The executive office told me they could close an account for any reason even if it broke federal or state because their credit application is above federal and state laws. I spoke with an attorney ( for advice ) that said this was not true. Amex would need to pull a credit bureau and process the credit application like any other bank or face sanctions and lawsuits. I want my Amex XXXX card reopened immediately or if thats not possible I would like to reapply and be taken off this blacklist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-15
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Problem : I received a mail from Phoenix Financial Services, a debt collector, who is collecting a debt for a stated date of service over 5 years ago that I never once received a bill by any service provider or creditor as specified ( XX/XX/XXXX date of service ). I am reporting Phoenix Financial Services for collecting a debt and incurring me this stress about an obligation I never once were notified. I am not aware IF the original creditor, as stated in the mail, " XXXX XXXX XXXX XXXX' is also a part of the problem for selling my information to XXXX XXXX XXXX, XXXX, who placed the account to Phoenix Financial Services ( debt collector ). Based on the mail as I read it, it seems like a SCAM, which is the reason why I'm reporting Phoenix Financial Services. Please see below. 

XX/XX/XXXX : I received a letter from PHOENIX FINANCIAL XXXX, a debt collector, stating that I owed {$2100.00} for a date of service XX/XX/XXXX ( over 5 years ago ) from an " Original Creditor '', " XXXX XXXX XXXX  ''. The mail states that I owe the currrent creditor, " XXXX XXXX XXXX XXXX '' {$200.00}. However, if I pay Phoenix Financial Services before XX/XX/XXXX, I would only have to pay {$80.00} or else Phoenix Financial Services " may continue to report me to the credit reporting agencies as unpaid for as long as the law permits this reporting '' and adds to state that it will not sue me because of the age of the debt, implicating to add to the stress by using the word " sue ''. This is VERY CONCERNING that at my age, I am vulnerable to this potential SCAM. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: CA
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, 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 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 2023-03-23
Company: Experian Information Solutions Inc.
State: NV
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, and USPS XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2023-06-18
Company: Experian Information Solutions Inc.
State: TN
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of ID theft. I submitted the required documentation according to the FCRA section 605B. However, the credit reporting agencies failed to block the fraudulent accounts and treated my block request as if it were a dispute. It's not a dispute, it's a block request.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update 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 2023-06-18
Company: Experian Information Solutions Inc.
State: NJ
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. 
Account name : XXXX XXXX ( date of inquiry : XX/XX/2021 ), Account name : XXXX  XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
Contacted XXXX XXXX XXXX by phone in XXXX to request they correct my credit report. My loan is being reported 30 days late for the months of XXXX and XX/XX/2022. I was never late. I Disputed this error with the credit bureaus results come back verified as accurate. Im attaching proof that XXXX approved me for the loan extension for those 2 months. No payment was due. I need this corrected immediately my score just dropped significantly and I am incurring damages. Being denied apt now.

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 2023-03-23
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/18 @ XXXX XXXX $ taken out of my account via XXXX Citibank was contacted right away to file a claim about this unauthorized transactions. 
After their investigation, which I was not able to obtain, it was decided that transaction was legitimate

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