BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: DISCOVER BANK
State: MS
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A 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 card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Westlake Services, LLC
State: GA
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:
I purchased a car in XXXX from US Auto Sales with a two year warranty. It came time for me to use my warranty go get some repairs done and when I called the warranty company they advised me that my warranty did not exist because US Auto Sales never paid and they havent been paid in a very long time. {$2800.00} is added into my purchase agreement and XXXX  can not even use it. U.S. Auto Sales has closed all of their dealerships as of XX/XX/2023 and transferred all of our up-to-date accounts to Westlake Portfolio Management, a debt collection agency. How is that possible when my account was never in default? Now my credit is taking a downfall because of it. US Auto Sales is also ordering repossessions on vehicles. I was told that they are doing that so we can get a new contract with Westlake and get the cars back. Im disgusted with this.

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 2023-08-12
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant phone calls from multiple different numbers. 8 calls XX/XX/2010 calls XX/XX/XXXX. 58 calls between XX/XX/XXXX and XX/XX/XXXX. It's automated. Sometimes it rings once and then drops the call. It's excessive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: AL
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:
Auto loan with XXXX bank loan # XXXX. My auto loan payment is due on XXXX of the month. I paid XXXX and it posted correctly. They received my payment in full to pay off the loan on XX/XX/XXXX which included my XXXX payment. They are reporting my payment as 30 days late and it was not. Since XXXX only had 28 days the 30day mark would have been XX/XX/XXXX and they received the payment on XX/XX/XXXX. They are saying that since XXXX only had 28 days that it changes the time frame 28 days as a late which is not stated anywhere in my loan paperwork it says 30 days.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Auto loan with XXXX bank loan # XXXX. My auto loan payment is due on XXXX of the month. I paid XXXX and it posted correctly. They received my payment in full to pay off the loan on XX/XX/XXXX which included my XXXX payment. They are reporting my payment as 30 days late and it was not. Since XXXX only had 28 days the 30day mark would have been XX/XX/XXXX and they received the payment on XX/XX/XXXX. They are saying that since XXXX only had 28 days that it changes the time frame 28 days as a late which is not stated anywhere in my loan paperwork it says 30 days.

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 2023-08-13
Company: CITIBANK, N.A.
State: AZ
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:
My ex XXXX XXXX committed identity theft in my name. He took out credit cards, phones, and other electronics, made himself an authorized user on the accounts to make it look like he was authorized to use these accounts. On XX/XX/XXXX, he applied for multiple credit cards unauthorized. He then charged all of those credit cards to the max, took out phones in my name online, and before I could ask him about it, he puts a no contact restraining order against me.

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 2023-08-13
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
Called XXXX, XXXX XXXX and XXXX back in XX/XX/2023 and XX/XX/2023 let them know that this acct is no longer being disputed, and to remove it and delete it from reporting on my credit report. this is fraud as this account have already been paid, and by reporting it on my credit report hurting my credit score.it is now XX/XX/2023 and this negative items are negative impacting me directly with my credit score and causing me to be denied loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Bridgecrest Acceptance Corporation
State: NV
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 this creditor has violated my rights Under 15usc1681 section 602 states I have the rights to privacy 15USC1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written information Under 15USC1666B a creditor May not treat a payment on a credit card account under a open and consumer plan as late for any 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 2023-07-31
Company: EQUIFAX, INC.
State: IN
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: Affirm Holdings, Inc
State: NC
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:
Affirm is listed on my credit report saying I have a delinquent account with them. I contacted the company to notify them that I had not used their company and that account is fraudulent. It has now been 90 days and it continues to show delinquent and has substantially decreased my XXXX XXXX and affected my credit rating. The balance is {$380.00} but i refuse to pay for a debt I did not accrue. My payment history has been impeccable and I do not ever skip out on paying a debt that is actually mine. I disputed it through experian and that had an unsatisfactory outcome. Ive reached out to Affirm several times now and they have not sent me the documentation that they say I need in order to have this situation rectified. Please help, this is going to ruin what I have spent many years building. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Have received a check from XXXX XXXX every 2 weeks for the past 2 years. I was supposed to receive my paycheck on XXXX  ( or 2 days before with chime ) & I still have not received it XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Synovus Bank
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
First Progress is my issue. I made payment on XXXX. I check my credit score saying Im delinquent on my account! I made the full payment of {$87.00} that it ask me to pay in full! This has caused great harm and now Im under duress! It dropped my score dramatically!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-13
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I don't understand why this debt exists and need to know more details in order to determine if the debt is valid. It's a medical debt from XXXX XXXX in XXXX, Fl. The collection was opened on XX/XX/2020 in the amount XXXX This stay was due to an involuntary 72 Hour hold through the Backer Act. I'm considered indigent for the purposes of the 72-hour hold and The State Should have been billed for this hold. 

I'm also a Medicare recipient and would have had a Medicare XXXX XXXX and depending on the date may have had medically needy Medicaid. It's extremely unusual that I receive hospital bills outside of my co-payment. 

So I'm requesting the creditor provide the following information. 
1. The Date of the Hospital stay. 
2. The names of the Providers if applicable 2. what insurances were billed Billed including State or Local programs. 
3. a copy of the claims that were submitted to the Medicare plan that clearly shows the Diagnosis codes and CPT codes a copy that shows what the insurer paid. 
4. I also need to know who the insurer found Liable for the claim or the remainder of the claim as described in the Medicare billing processing Guide XXXX plans need to follow. The provider should have received this from the insurer. 
or 5. The insurer 's own policy must provide at minimum the same protections granted by Medicare, these policies if they had one in place would have had stricter procedures in Billing patients directly. 


I wish I could Provide the name of the insurer, But I usually change XXXX Plans every year and need the admitting to date to identify the Plan in question. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: CITIBANK, N.A.
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:
The credit card imposed a very high interest rate after the promotional rate expired even though I have never been late or missed a payment. I wrote a dispute letter on XX/XX/2023 asking for an explanation. On XX/XX/XXXX they responded with a form letter having no information pertaining to my account. I wrote them back ( see attached ) requesting documentary evidence regarding the rate and on XX/XX/XXXX they wrote a letter ( see attachment ) providing no further documentation beyond a hopelessly vague reference to {$6.00} refund without any explanation. I am in the process of tryimg to pay off the entire balance of {$18000.00} because of the punishing monthly interest of {$450.00} being imposed without justification. This is an extreme hardship on me and my wife.

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 2023-08-13
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
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 violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A 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 payment on a credit card account under an + open end consumer credit plan as late for dins purpose. 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: NM
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 sending a complaint regarding the inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX Balance : {$13000.00}.

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 2023-08-14
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company called me from a fake number see attached. When I picked up the company did not identify them selves when I asked who it was, just stated the name of the person calling. I asked again and they hung up. Company is described as Credit Management LP when I called the number back. Phone number I was contacted from does not appear in XXXX. Calls from other random numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt is now past the statute of limitations. The last payment made to the account was on XX/XX/17. That's 6 years and 6 months ago. The statute of limitations in Washington, where I lived, and South Dakota, where the company was based, are both 6 years. 
The time to collect has expired. I want this off ( ALL ) my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: CA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-14
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I cash app XXXX XXXX the amount of {$220.00} by error so XXXX XXXX never accepted my cash app. I requested a refund from cash app since XXXX XXXX never accepted my cash app and Cash app told me my refund is declined. It appears that XXXX XXXX cash app was compromised causing her to owe Cash app. This has nothing to do me and I am requested a full refund of {$220.00}. It appears that Cash app is trying to collect my funds for a debt that I do not owe. I use this app all the time and I am very disappointed and will stop using this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Resurgent Capital Services L.P.
State: AL
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 disputed unauthorized accounts being published on my credit reports with LVNV Funding LLC on XX/XX/2023 and XXXX, 2023. LVNV Funding LLC has intentionally failed to provide proper and legal validation of the debts. I have requested several times to provide the following legal documentation : XXXX. Your lawful authority to collect without my consent or XXXX. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature XXXX. An original contract between me and XXXX XXXX XXXX with my wet signature XXXX. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. 

XXXX. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA. 

XXXX. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service. 

I have not receiving any of the requested legal debt validation and the accounts remain on my credit report damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: DISCOVER BANK
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CURO Intermediate Holdings
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
First Heritage Credit located at XXXX XXXX XXXX XXXXXXXX in XXXX, LA XXXX pulled my Credit without my consent on XXXX XXXX and XXXX XXXX. I spoke with an employee on XX/XX/XXXX and made a payment and payment arrangements. They had no reason to pull my credit report and give me a hard inquiry when I spoke with them less than 3 weeks ago. I called on XX/XX/XXXX and the employee stated they can pull my report every 30 days to obtain current information. This is absolute abuse. I spoke with them on XX/XX/23 and there was no reason for a hard inquiry on XX/XX/23. They are manipulating, abusing, and taking advantage of the consumer.

Company response to consumer: Closed with explanation