BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: Sezzle Inc.
State: MI
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 was never late on the above listed account. Please show me in documentation showing proof of this transaction showing I was ever late to support your inaccurate reporting on my account nor is this an account or mine. If you can not supply this, please delete these alleged late payments and the account in its entirety from all of my credit reports per 15 USC 1666b. In accordance with the fair credit reporting act, this creditor has violated my rights under 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 an account without my written instructions. Under 15 USCS 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 2022-11-01
Company: Sezzle Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I used Sezzle to purchase merchandise through a retailer. Sezzle reported this account to my credit and continues to report a balance of {$50.00}. This loan was paid in full in XXXX. I have submitted disputes to the credit bureaus and after a dispute it still shows a {$50.00} balance. The account was paid in full in XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Revenue Cycle Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX XXXX XXXX was called to trans Fer me from XXXX XXXX to XXXX XXXX XXXX XXXX Humana qas suppose to take care of the bill because it was doctor orders for me to go to XXXX. I don't believe I owe them and I am on a fixed income from 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 2023-06-14
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX XXXX. Wells Fargo Foreclosed on my house at XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX illegally. I am enclosing this paperwork to you proving that they did this. The person they foreclosed on was XXXX XXXX XXXX, who had a bankruptcy. This is not me. We are not in litigation with Wells Fargo as the case was closed after they took our home and the home of our XXXX children, XXXX of them being adults now. Wells Fargo illegally put a dumpster on our property and took all the contents of our XXXX square foot home and my entire business that was in the garage and my XXXX XXXX XXXX Daughter XXXX XXXX XXXX art work and through it away before they illegally foreclosed on our family. We had also found them cutting our grass and called the Police and the Police made them leave due to trespassing. 

Enclosed is the paper showing a different name that is not mine. 
I have since that time tried to apply for a mortgage and was falsely accused of being a person by the name of XXXX XXXX XXXX and accused of not paying my bills due to this person being in bankruptcy. I was denied a loan with the USDA because Wells Fargo and XXXX Title not doing their due process and putting this person that is not me and foreclosing. 
We have reached out to your agency several times and even bringing the letters I wrote to you on 2 separate occasions which are still on my file and have case numbers proving Wells Fargo would not modify our loan and then in Fraud foreclosed on it. It has just come to my attention in the last week that this paper existed. Wells Fargo is still acting in Fraud as they even with me calling them refuses to pay recompose for their crimes and what they did to our family. I have called them and spoke to XXXX in the last several months and although she was compassionate, she did nothing the first time I called. I was directed to her again to find out where our compensation is for what happened. Now you will once again have more supporting documentation. 
We are requesting that Wells Fargo be held accountable and pay us back for the home, our belongings, and my daughters lost art that she will never have back. She is becoming quite famous on XXXX, and now she will never have her first art due to Wells Fargo coming on our property and stealing all of our belongings before they illegally foreclosed. 

Please Note : They have done nothing. 
Please also if we can be compensated out of the Civil relief fund. Once you read the report I am uploading you will see the crime.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to bring to your attention a matter regarding the violation of the Gramm-Leach-Bliley Act by the company XXXX. It has come to my attention that XXXX is not allowing me the right to opt out of disclosure, which is a direct violation of my privacy rights as outlined in the Act. 

According to the Gramm-Leach-Bliley Act, individuals have the right to control the disclosure of their personal financial information. This includes the right to choose whether or not their information is shared with third parties for marketing or other purposes. As a customer of XXXX, I should be granted the opportunity to exercise this right and opt out of such disclosures if I wish to do so. 

I kindly request that XXXX promptly rectify this situation and provide me with the necessary means to opt out of any and all disclosure of my personal financial information. Failure to comply with the requirements set forth by the Gramm-Leach-Bliley Act may result in legal action being taken against the company. 

I appreciate your attention and prompt action in resolving this matter. Please provide me with written confirmation once the necessary changes have been made to ensure compliance with the Act. Should you require any further information or clarification, please do not hesitate to contact me at [ your contact details ]. 

Thank you for your cooperation and understanding.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was alerted by vendor on a fraud alert with Transition and the other two credit bureaus. 

I DID NOT Order nor authorized a credit freeze or fraud alert. I want them removed immediately.

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 2023-04-14
Company: Bread Financial Holdings, Inc.
State: NC
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:
I rented a dress from XXXX XXXX XXXX. I returned the dress via USPS instead of XXXX. There were no instructions included and it was very unclear. By the time I retrieved the dress back and got it to the XXXX, XXXX XXXX XXXX charged my credit card for the full amount of the dress itself. XXXX XXXX XXXX received the dress back but has never credited my credit card. I put a formal dispute in with my credit card company and am still waiting on their results of investigation. I have called them numerous times and emailed, with no avail. I placed the rental order on XX/XX/2022. I rented the dress XX/XX/XXXX. They received the dress back and it is in their possession. The credit card that it was billed on is XXXX XXXX XXXX XXXX XXXX XXXX Credit Card. I was billed by XXXX for {$1200.00} on XX/XX/2022 and a late fee on top of this for {$53.00} on XX/XX/2022. I blame my credit card for not dealing with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
Company: V and H Portfolio
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: Old information reappears or never goes away

Complaint:
There are multiple inaccuracies being reported on my credit report and I have disputed them all through XXXX and XXXX along with the creditors. I have supplied my bankruptcy discharge paperwork that listed these specific accounts, and they keep re-appearing and damaging my credit. 

The credit bureaus keep stating that this information is " accurate '' but it is not. These accounts were all included in bankruptcy, and they keep getting removed and then re-appearing after a few months with a new creditor, but they are the same account, and the process starts all over again. 

XXXX XXXX XXXX : {$3200.00} through something called XXXX : This account is not correct because I have NEVER had them. I called XXXX and they failed to produce any proof that this account is mine. No contract, proof of my ID, proof of my address, absolutely nothing. In addition, they claim the account is from a period prior to my bankruptcy, which means this debt is included in the discharge and shouldn't be on my credit anyway. 

The following other creditors have been notified multiple times about being included in my bankruptcy and they have failed to stop reporting the debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vance and Huffman XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter from Radius Global Solution offering me two options to make a payment of 3 payments of {$250.00} or {$150.00} in 6 payments. Apparently I dont know who the XXXX this company is. I never did any business with them. How the heck do they have my residence information. I dont even owe this amount. Whatever the old debtor was, I never did any business with them. I never gave my information to any company. This isnt right. They should be taken legal action because I dont even have their credit card or whatever the XXXX it is they are asking. They should not know my information. I dont recognize the old debtor either so something is wrong here. I never worked or didnt any business with Radius Global Solution and I have never signed any thing with Radius Global Solution. This is outrageous!

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: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a promotion from Citibank stating if I open a new checking account and make deposits and use my ATM card within 90 days of opening the account, I will receive XXXX air miles WITHIN 30 days of meeting these requirements. 

I met these requirements as acknowledged by Citbank, but they will not honor the within 30 days clause and tell me that they will make it 90 days. I have escalated this showing them the promotion i was offered. They will NOT honor their own promotion. I have travel plans that I was counting on these airmiles and Citibank decides to change their own rules as they desire.

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 2023-08-02
Company: FC HoldCo LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I began to make multiple payments of {$1300.00} on my loan. It was then that I found out that the XXXX insurance, Service Warranty, and Daily interest rates were unknown to me. On XX/XX/XXXX, I made a payment of {$1900.00}, which is another 3 months of payments. On XX/XX/XXXX, I made a payment of {$1900.00}, which is another 3 months of payments. I reached out to the company about the daily interest, and the warranty plan, and contacted the dealership when the company called with threatened tactics. I tried to file a complaint with the XXXX XXXX XXXX and could not find any information on the company. When I did research on the company, I found out that the same issues I was experiencing there were others, and a lawsuit was filed. On XX/XX/XXXX, and XX/XX/XXXX, I received several calls, after XXXX XXXX about my missed payments. I explained the multiple XXXX  in my family and asked if the missed payments could be put at the end of the loan. My email response was sent to XXXX XXXX and the calls became harassing and more threatening with ruining my credit, repossession of my car, and the calls began to be back to back all day every day. Today. XX/XX/XXXX, I have tried to refinance my loans with several other banks such as XXXX XXXX, XXXX XXXX, XXXX, and XXXX and I was turned down due to my loan not being 60 months it's actually 84 months, even though my mileage on the vehicle is low to be XXXX, I have so many extra fees attached to the loan that no one will touch it. They can't find reputable information on the lender holder.

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: CITIBANK, N.A.
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:
I reported a fraud activity to my bank CitiBank about cheques, which were deposited into my account that I knew nothing about. My stolen deposit card was used for purchases and money transferred from my account. When I reported this, the bank decided to close my account upon investigation. A few weeks later I received a statement saying my account balance is XXXX. Then a few days later another letter saying the cheques have been returned and my account was negative {$15000.00}. A couple of day later my account was closed. Any attempt to open a new account has failed.

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 2023-04-28
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: Account information incorrect

Complaint:
CFPB - I've reached out to the creditor XXXX requesting a copy of the 1099c form filed for the charged-off " Account XXXX ''. Attach you will find the certified letter mailed to XXXX requesting this document to provide to my CPA - as well as 2 phone calls made to the creditor requesting that they send this information over. I've have yet to receive the 1099c form. 

Because XXXX have not sent over the 1099c form as requested on three different occasions, I've come to the conclusion XXXX has/is committing " Tax Fraud XXXX and I plan to report this issue to the IRS if this account is not removed from my consumer report within 5 business days. 

This account is a charge-off which is cancelled debt and because this a cancelled debt the creditor " HAD '' to file a 1099c form. Because a charge-off is cancelled debt this means this account is classified as taxable income- which taxable income should not be reported on my consumer report.

According to 15 us code 1681 a 1 The banking system is dependent upon fair and accurate credit report- ing . 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. 

This is " '' Inaccurate '' reporting and im requesting a deletion of this account from my consumer report ASAP.

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 2023-04-28
Company: Experian Information Solutions 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: MD
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 writing to bring to your attention the fact that Experian, one of the three major credit reporting agencies, has posted inaccurate data on my credit report. This misinformation in relation to the XXXX  Dept of EdXXXX accounts on my report is in violation of my rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, credit reporting agencies must ensure that the information they report about consumers is accurate, complete, and up-to-date. However, in my case, Experian has failed to fulfill this obligation by posting inaccurate data on my credit report. 

I have attempted to dispute the inaccuracies with Experian, but their response has been unsatisfactory. I believe that Experian is knowingly and intentionally reporting inaccurate information, which is negatively affecting my creditworthiness and financial standing. 

I am requesting that the CFPB take action against Experian for violating my rights under the FCRA and for the harm that they have caused me. I would also like to request that Experian be required to remove the inaccurate information from my credit report and provide me with a corrected report as soon as possible. 

Thank you for your attention to this matter.

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 2023-04-28
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I would like to l launch re-investigation on my credit report with proof of everything I listed in my 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 2023-04-28
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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