BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
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:
15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: PNC Bank N.A.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
I discovered that there were fraudulent transactions on my account. I had " unusual activity '' checked on my account with PNC Bank for security. The bank never did anything to prevent someone or maybe several criminals from using my account. I never lost or even dropped my bank card. I do not know how they stole the money. I was too upset to add all the money stolen after I realized it was over XXXX. Most of the stealing was done with XXXX online food purchases, and XXXX. All of which I do not have and never did. I do not have XXXX, I do not purchase food online, I do not have XXXX, and I have not been to Maryland or California. I can see the money was stolen in states and restaurants that I never go to or use. If this wasn't unusual activity I do not know what was! I made a police report and a report with the FBI. I placed disputes for all of the money and the bank returned a small portion of it and has a very convoluted and confusing phone process that causes me to get a hold of those that can tell me virtually nothing. In other words, I can not talk to the bank directly about my disputes. I believe that this is done purposely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a payment on XX/XX/2023 of {$800.00} via their third party payment processing company XXXX. & they have yet to give me credit for my payment. Ive faxed to them several times my bank statements but have still failed to give me credit and now they are threatening repossession. Attached is my proof of payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I applied for a line of credit with Netcredit in XXXX and first payment was due XXXX XXXX in which I didnt know I thought it was month payment like the rep stated when I called and asked about payments I was told before getting approved a rep would call big payments are monthly None of thsgg to happened everything that was told to me was incorrect website misleading I asked numerous of times are the sure about payments stated yes I have been calling Netcredit everyday since then I get hung up on called names XXXX n hold for hours cursed out again I sent emails reps calls and its the same thing when I told them I didnt want the loan still charged {$230.00} plus company stated I couldnt return had to make payments I tried to make first payment company place me on hold never answered then late fees are {$130.00} every 2weeks I told managers reps lead reps what happened all they say is sorry you shouldnt have got the loan but all this info is not known until after funding.company wont give me info n payment my login info is shut down seems like I was a predator

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Bridgecrest Acceptance Corporation
State: NC
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:
XX/XX/XXXX Dear Consumer, Financial Protection Bureau, I wish to complain about the repossession of my four-door white XXXX XXXX XXXX. The repossession took place on XX/XX/XXXX, and I was able to borrow money and get it back on the same day from their secured lot. 
However, I am complaining because even four years later, I am still not able to get approval to purchase a home for myself and my children due to this matter, and my credit report reflects negatively which causes my anxiety to increase and flare frequently due to this lingering burden. To resolve this problem, I would like for someone in your office to contact Bridgecrest and see how this can be resolved and my credit report reflects in a positive manner. 
When I first learned of this problem, I contacted Bridgecrest and spoke with a representative and was told that nothing could be done about my problem. I believe that this response is unfair being that I went without basic needs during that time in XXXX to borrow funds totaling {$1500.00} in order to get my vehicle back. 
I would like a written statement explaining your company 's position and what you will do about my complaint. 
I look forward to hearing from you as soon as possible to resolve this problem. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2022 - received letter from I.Q. Data International , Inc. falsely claiming I owed {$990.00} of rent debt from XXXX XXXX XXXX XXXX response contesting this debt sent immediately, phone call made a few days later, email sent to their disputes department on XX/XX/2022 documenting final rent payment and statement sent to landlord for discontinuing lease at the date stated in the lease agreement. 

Nothing for two months. Never received any written or emailed response. On XX/XX/2022 phone calls made under fake numbers ( numbers with area codes identical to our phone numbers as opposed to the debt collections number ) to myself, fianc, and an old emergency contact from the lease. 

Debt collectors now saying I need more proof that I owe nothing after them not being able to successfully contact XXXX XXXX XXXX. No. I don't have a screenshot of the final {$0.00} ledger because typically {$0.00} means {$0.00} and not debt collections on a false {$990.00} debt. 

I have opened up a small claims case against I.Q. Data International , Inc. and XXXX XXXX XXXX ( XX/XX/2022 ) for the {$990.00} falsely claimed to be owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last four Acoount # 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 record 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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM FILING THIS COMPLAINT BECAUSE I AM DISPUTING THAT THE INFORMATION IS NOT ACCURATE ON MY CREDIT REPORT AGAINST TRANSUNION.

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 2022-09-28
Company: Experian Information Solutions Inc.
State: SC
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:
I believe I am the victim of identity theft. I had a collection account from XXXX XXXX XXXX placed on my credit report related to an address in Texas. I have never lived in Texas nor was I familiar with the referenced account. I filed a dispute and was notified by Experian that both the account and address have been deleted from my credit report. However, in reviewing my corrected credit report from Experian I noticed a new collection account had been listed related to a different address in Texas. Again, I have never lived in Texas. I contacted the new collection account, XXXX XXXX XXXX and reported the account and address as fraud. The representative for the company asked me about an email address that they had on file with the account and I had never heard of it. I have also filed a new dispute with Experian, XXXX, and XXXX. The credit reporting agencies say they can not remove the new fraudulent address in Texas from my credit report because a creditor ( XXXX XXXX XXXX in this instance ) reported that address related to an account. The account is fraud and they are reporting incorrect information! CRAs should be required to confirm the address and or account is legitimate once disputed by a custome. I previously placed a fraud alert on my file but that did not stop the credit reporting agencies from listing this new fraudulent account.

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 2022-09-28
Company: LEXISNEXIS
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Lexisnexis will not placed a security freeze on my account after I attempted this online and upload a valid document. I sent a letter with a copy of my driver 's License, copy of utility bill and SSN. They still need more information from me. This issue been going on for the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to Bull City Financial Solutions on XXXX XXXX XXXX, about some collections they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor XXXX XXXX that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to XXXX. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/XXXXthese debts, which I told them to send back to the original creditor, remain on my credit report in violation of federal law.


Re: Account #'s
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 I contacted someone on XXXX who said that they would sell me concert tickets. I wanted to pay for a ticket 1 at a time so we came to the agreement that after I paid, the person would send the ticket. Immediately after, they said that there was and error that would not allow them to send transfer the ticket and said they could only send two tickets but demanded that I pay the remaining balance. The person refused to send me any proof that they were unable to transfer the ticket so that's when I knew I got scammed. 

The money was sent through XXXX and the tickets were supposed to be transferred through ticketmaster

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: NY
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 is currently reporting my wrong monthly payment amounts and its effecting 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 2022-12-12
Company: National Consumer Telecom & Utilities Exchange, 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:
NCTUE claimed they could not open the file I submitted via CFPB and requested I email a copy of the dispute even though I had physically mailed in a copy of my dispute letter via USPS. NCTUE claimed I did not respond to them and closed my previous CFPB dispute. However, I had previously informed NCTUE representative via phone that a physical dispute letter was mailed in. Furthermore, I responded to the email request by NCTUE notifying them of this once again and recieved a " XXXX XXXX '' email in response. The disputed account ( s ) remain on my report and are inaccurate, incomplete and are not mine. I am once again including a copy of the disputed accounts in this complaint and have sent via email a copy of original disputed account and will include disputed accounts in this complaint. I am attaching proof of my claims above. This is my final attempt to get NCTUE to investigate and DELETE the inaccurate tradelines from my consumer file before taking legal steps to rectify the damage they are causing to my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Receivables Performance Management, LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am dealing with this debt collector named " Receivables performance ''. I don't recognize the debt so i asked them for a debt validation letter many times but they did not provide me with it. it seems like the reps don't even know what the debt is about, no information to provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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: Account information incorrect

Complaint:
I have fraudulent inquiries on my credit report that I didn't authorize 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 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 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 non-monetary relief
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
According to Title 15USC 1611 XXXXXXXX XXXX did deny me credit with my Social Security Number used in Application Process in this Consumer transaction discriminating against my unlimited full faith and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
According to Title 15USC 1611 XXXXXXXX XXXX  did deny me credit with my Social Security Number used in Application Process in this Consumer transaction discriminating against my unlimited full faith and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citibank, has charged me monthly fee for years which is completely fraud an invalid- they never alerted me and I did not monitor my account, so need help on the same. 

{$25.00} every month for more than an year for 2 accounts. ( Total of {$600.00} ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Avant Holding Company, Inc.
State: OK
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 my Avant credit card was either lost or stolen. Someone used it to make various purchased up to the maximum limit of the credit card. On XX/XX/2022 I realized the charges had been made and noticed the card was no longer in my possession. I reported the card lost or stolen to the Avant credit card at XXXX. Several days later I received a letter informing me that there was a case number assigned ( XXXX ) and asking me to call the investigator name " XXXX '' at XXXX XXXX. 

Calling XXXX XXXX reaches a voice mail asking to leave name, claim number, and call back number with a promise that the call will be returned in 24 hours. Similarly, calling XXXX and trying to go through an operator results in the same message and promise, except there is no name attached to it -- only " Fraud ''. 

Each day for XXXX consecutive business days, I called and left messages, and there was never anyone who returned a call. 

Eventually, I began to also call the original number where I had reported the card lost/stolen ( XXXX ). There I was informed that " XXXX '' had closed the investigation with the conclusion that the charges are valid. 

Now, with my latest statement, Avant is insisting that I pay the $ XXXX in fraudulent charges under threat of penalty and credit reprisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received an email from PayPal alerting me to an invoice for {$500.00}. 
I immediately contacted PayPal. 
They told me theyre aware of this scam. 
Yet, I received this charge. 
I can forward the email to you upon request. 
XXXX hours after speaking to PayPal, I received a text message thanking me for the gift for XXXX XXXX, I dont know a XXXX XXXX XXXX I didnt open the text, I have a screenshot of the phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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 XXXX, XXXX, and EXPERIAN as they are all corporate constructs which are incapable of contracting with me are falsely reporting inaccurate information without my consent, without a mutual contract, nor written agreement documented on paper under wet ink by XXXX parties, ( full disclosure-is the united states securities and exchange commissions ( SEC ) requirement that publicly traded companies release and provide for the free exchange of all material facts that are relevant to their ongoing business operations. 
Full disclosure also refers to the general need in business transactions for both parties to tell the whole truth about any material issue about any transaction. 

by utilizing my information and distributing to various other entities their Continuing financial crimes enterprise ( XXXX ) under 18 U.S.C. 225 committing FRAUD, Fraud under 18 U.S.C. 1341, 15 U.S. Code 1611- Criminal liability for willful and knowing violation, 15 U.S..code SEC. 2 monopolizing trade a felony : penalty

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