BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They call me daily while I'm at work, told me to pay a certain amount ( over $ XXXX ), when original amount I'm not even sure of ... they kept saying I needed to make payments before account went further in debt. I told them my situation, and that I couldn't pay even {$50.00} a month, being a single mom going through divorce and not even able to pay kids daycare or gas in car to get to work, l9et alone my ex husband refusing to help with child support, rent gettin raised XXXX, I owed my son 's school from last summer breaks still and we are getting ready for another summer break ... and They never mentioned anything about the ability to dispute just that's its attempt to collect a debti only that I owed over XXXX. I mentioned I was at work, that I had to g and to call later, and they rushed me on phone, told me that if I paid them {$50.00} a month my debt would go away after 12 months and that was the best they could offer me and that if I didn't accept, it could very well get higher. I askedf they would send that in writing, they said yes and I'd get it in the mail within that month ( couple weeks ) to verify and essentially lock in the agreement. I didn't know I had the option to dispute the amount. I never received a letter with payoff charge or dispute factors. They still call me, every day when I've asked them to not call me between XXXX and without fail, they call me between XXXX daily while I'm at work. My boss pays my cell phone bill. Every time my phone rings at work, he looks at me as if he's going to revoke that amenity. I don't get personal calls during work hours. Only this creditor calls me. And they won't give me any more options anymore. I asked them again about that offer and said they didn't know what I was referring to They won't stop calling during my work hours. I've never been in credit card debt and never knew I could ask for amounts or info on creditors or original amounts. This company didn't offer than info when I asked them when I was very confused about this debt and if it could be settled due to my extreme situation. They were reluctant to offer or settle and I still have yet to see them follow through, when they offered me that {$50.00} a month for 12 months back in XXXX. They also call me on random numbers when I attempted to block their number due to them harassing during work hours. I don't even know who the initial debtor is. Or the original amount.they apparently don't

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 I received an alert of a hard inquiry from COMENITYCAPITALXXXX. I do not recognize this company. I did not apply for any products. I did not give anyone permission to use my personal information to apply for any products. I tried to dispute this hard inquiry through XXXX and they have not resolved my issue and it is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit 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 have had charges on my JC PENNEY card for continous 5 months and when I realized it I called the credit card company and told them I did not make them. At first, they said okay we will give you money back we recognize they are frauds. A month later I got a letter saying they do not believe they are fraud. 
I have not made or authorized these charges I can not get to speak to a live person to tell me what makes them think this is not fraud as I know it is. 

cc company is Synchrony Bank 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 monetary relief
Consumer complaint received 2022-11-27
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime closed my account with nearly XXXX dollars in it and I still haven't been able to get the funds sent anywhere since I don't have proof of address. Having my account closed caused me to become homeless and now I can't get proof of address to show them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX and I am submitting this complaint on behalf of myself. I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.

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 2022-11-08
Company: Experian Information Solutions Inc.
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. 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 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 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 2023-04-19
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: Was not notified of investigation status or results

Complaint:
They're reporting me as late even though I'm not. I don't know why it happened, so please look at the attached documents.

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 2023-04-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Some companies are reporting me as late even though I was never late! It's making my head hurt so please look at the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: GA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate.

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research.

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX have violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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:
I am writing to bring to your attention a fraudulent and/or inaccurate medical collection that has been reported on my credit score. I do not recognize this alleged debt and have not received any validation from the credit bureau as to who the original creditor is, the original account number, the amount of the debt, the date the debt was incurred, and why the original creditor or collector never pursued the collection directly to me according to the Fair Credit Reporting Act. 

I have taken all necessary steps to dispute this collection with the credit bureaus and have requested that they provide me with validation of the debt. However, to date, I have not received any validation from them at all. 

As a consumer, I have the right to accurate and truthful information on my credit report, and the inclusion of this fraudulent and/or inaccurate collection is causing significant damage to my credit score and my ability to access credit. The continued listing of this medical collection despite previous investigation suggests that Their procedures have not been adequate in this case.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Some companies are reporting me as late even though I'm never late so please look at the attached documents to prove my point.

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 2022-12-17
Company: Experian Information Solutions 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'm sending this letter in attempt to REMOVE some erroneous and incorrect items from my credit report, before I seek remedy. First of all, I would like to mention Public Policy HJR of 1933 a.k.a Public Law 73-10 which suspended the GOLD Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
ACCOUNT NAMEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items 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 ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND these be removed IMMEDIATELY. Also according to 18 USC 1028A if I did NOT give XXXX, XXXX, and EXPERIAN, written consent to furnish this information, that would indeed be identity theft.Pursuant to 15 U.S.C. 1692k any debt collector that fails to comply with any provision of this sub chapter with respect to ANY person is liable to DAMAGES. that I am I have listed the accounts above, and I DEMAND each and EVERY ACCOUNT AFOREMENTIONED ABOVE BE 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 2022-12-17
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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:
On XXXX of 2019 the truck I purchased thru credit acceptance stopped running.i had numerous engine problems before this, the car lot o purchased from suggested I tow it to authorized dealer for repairs. Once it was there credit acceptance sent a warranty rep. An he approved repairs. XXXX or XXXX days later he returns told service manager to stop repairs .Cause after market parts on it .I did not make any changes... I bought it as is ... .with warranty! Credit acceptance called said I must continue to pay for vehicle I replied yes I will I needed it fixed..they disagree to honor warranty. I couldn't pay for it... not working. Do repair shop sold it.neither credit acceptance not I have possession of said truck... it got sold.

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 2022-12-17
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX AM DISPUTING ON MY OWN, PLEASE SEE ATTACHED FTC REPORT AND DISPUTE LETTER It has also come to my attention you have willfully negligent, non-compliant, reporting inaccurate unverifiable information, damaging my reputation and credit worthiness.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am currently disputing inaccuracies on my report with XXXX, along with unauthorized inquiries to my report, but this complaint is to address all 3 bureaus in accurate reporting of my utilization credit availability which affecting my score drastically. I have XXXX in credit, and utilization of XXXX across all avail credit which is less than 5 % but they are reporting 101 % utilization which if affecting my credit score drastically. Can you assist me in correcting this issue I have addressed it multiple times. 

Thank you in advance

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 2023-02-25
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 XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.

This alleged debt is disputed on the basis it is statute barred under the Limitation Act ( NSW )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Issue with following company : Experian.com ( i.e. a credit reporting company ) Description of issue : On XXXX XX/XX/2022, a ) I successfully created an internet account at Experian to put a freeze on my account. 
b ) I successfully put a freeze on my account c ) I signed out of the account d ) ISSUE : 1 ) When I tried to log into the account to verify I could have access to my account to unfreeze my account in the future, Experian would not accept my username and password. 
2 ) When I called Experian 's XXXX, the computer answering machine had no options to talk to a human 3 ) When I called Experian 's XXXX, I got to talk to a person who told me that I could not access my account because I did not have a membership ( i.e. an account with a monthly fee ). That person asked if I want a free membership and I responded yes. Then, the phone was silent for awhile and the phone call was stopped. 
4 ) When I recalled Experian 's XXXX, the computer answering machine would not allow me to talk to a person 5 ) When I tried to open a free membership at Experian, Experian did not allow me to open a free account Please help resolve this issue. Thank you

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the XXXX XXXX XXXX XXXX XXXX  asking do they report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information2 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times : The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions According to : 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. 

I am requesting my XXXX XXXX bankruptcy be removed from all 3 credit bureaus immediately. I also am requesting a copy of my credit report from each credit bureaus stating this information has been removed from my credit report.

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 2022-12-20
Company: Bread Financial Holdings, Inc.
State: NJ
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:
This past summer ( 2022 ) I received a message from XXXX XXXX XXXX stating that they were going to cancel my card and another card would be issued in it's place. 
I didn't want another credit card, so I paid off my balance of the card that was being shut off. However, I did receive a card with a different account number from Comenity Bank. 
I did not want it so I destroyed it. 
I eventually received a statement from XXXX billing me for an automatic payment that was on my BOA card that was shut down. 
I had no intention of using that new card from the start. 
I strongly feel that I never approved any transactions for that account. 

Important note : Admittedly, I am an older senior and my memory is not as good as it was - however, I still strongly feel that I never approved any transactions. 
I have contacted them a while back and I thought that the issue was resolved. 
However, I just received another bill with a previous balance of {$110.00} listed and a {$25.00} late fee. Every time I try to contact them by phone, they want my CC number which I no longer have ( but I can see it ends in XXXX from my statement ) or they want my SS number which I refuse to give. It's an automated system, so I can't get through to a live representative. I do not want this to negatively affect my XXXX XXXX.

Company response to consumer: Closed with monetary relief