BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: Open Dealer Exchange, LLC
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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt. in fact therefore exist 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting acXXXX 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date placed : XX/XX/2020 Amount : {$1200.00} Actions taken : Dispute was filled and the XXXX XXXX XXXX collection still shows on my credit report. Information still shows inaccurate collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: GA
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 submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-11
Company: Experian Information Solutions Inc.
State: GA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-11
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a follow up complaint to XXXX. That complaint was closed with an agreeable settlement from Comenity Capital Bank. The settlement stated a monetary relief amount of {$480.00} would be made to me. 

What happened so far is quite different. The total amount of the points that I was refused to use in the amount of {$260.00} was credited to my account and then was immediately removed since the account was closed. 

The total amount of interest, check fees, etc of {$210.00} was not credited to my account in full. Only the open balance of {$76.00} was credited leaving my account with a XXXX balance. I expected to see a credit balance of {$400.00}, not a XXXX balance. 

I called the company on XX/XX/2023 and spoke with XXXX who stated he would investigate and that I was to call back on XX/XX/XXXX. I called on XX/XX/XXXX and spoke with XXXX who stated that there is no problem, my account has a XXXX balance but that the account is still is dispute. She instructed me to send a letter to Comenity Capital Bank, attention to Billing Disputes and include a copy of the settlement letter from CFBP. I sent a letter the same day with the requested enclosure and received a reply dated XX/XX/XXXX stating that they need to investigate my claim and that they needed an additional 90 days. 

There is no justification for an addition delay of 90 days for issuing a refund in the amount of {$400.00}. The monetary relief agreed on with CFBP should be adequate evidence of my claim. Please help me with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-05-11
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:
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 : XXXX, XXXX : XXXXXXXX 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 2022-12-02
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-02
Company: GOLDEN 1 CREDIT UNION, THE
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX Checking Deposit-XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) {$2600.00} {$6100.00} XXXX XXXX ACH Returns  : XXXX XXXX XXXX ( XXXX ) XXXX XXXX| Balance= {$3500.00} XXXX Available Balance= {$3500.00}. Available Balance with ODP= {$3500.00}. -- - -- - XX/XX/XXXX XXXX  XXXX XXXX ( PAYMENT XXXX {$240.00} {$3500.00} As you can see my balance should have been {$6100.00} and more than enough to cover the {$4300.00} that XXXX tried to EFT with an auto pay. However the credit union ( The Golden 1 ) decided to try and pay XXXX before adding the ACH from my payroll check. This has caused a chain reaction that I'm trying to undo now. As XXXX charged me interest and a late fee. I also went in and made a manual payment on the XXXX not knowing they would try again, so now XXXX has taken the XXXX from my account TWICE and this has caused my mortgage payment to bounce .... I find it abhorrent that financial institutions can structure same day transactions in a way to cause harm to me the consumer! The credit union has informed me that I have to take it up with XXXX instead of fixing their wrong. Thanks for your help.

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 2022-12-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to get access to my most recent credit report to see if the deleted items were removed from my credit report as mentioned in a letter they sent in the mail on XX/XX/2022 ( Confirmation # XXXX ), and was unable to. I called Equifax to see what the problem was and they told me in order to get access to my credit report and see that the disputed items were deleted I needed to send in a utility bill, drivers license, and social security card. I sent that information in XX/XX/2022, waited 7 - 10 business days and called Equifax for an update and they were still unable to give me an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-04-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I had 3 school loans for my kids during XXXX. I was late during XXXX but not afterwards. My son XXXX  from XXXX, went to the XXXX and paid off all loans in early XXXX. When it was paid, my account was incorrectly listed as 90 days late, which is incorrect. The late payment was in XXXX and by law, should have been removed from my credit report. I have been trying to resolve this matter with XXXX XXXX XXXX for over 2 years. The phone number and contact information for them is invalid... the phone number doesn't work. My letters are returned. Therefore, I can not reach anyone to get the matter resolved. It is very frustrating as the late payments are still impacting my credit score. I have also filed disputes with the 3 credit bureaus, only to have them " resolve '' the disputes in 2 days or less, yet they can not tell me who they are getting verified from.

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 2023-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company has taken out money for 3 months without mine or husbands consent! 
I want to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Daily calling and harassing starting at XXXX. Several weeks back on a recorded call by the company I asked that they stop calling cease and desist. The man was very rude and also a manger.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: DISCOVER BANK
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 status incorrect

Complaint:
XXXX XXXX XXXX has made claims that i have mistaken what a charge off is, a charge off is considered income to the IRS, associated with 1099c tax form which gets filed, A consumer report can not contain income therefore it would be a violation of federal law to report income on a credit report as it would not be accurate. additionally consumer is requesting any itemized bill and purchase agreement and also original contract with original creditor containing wet signature. CONSUMER IS NOT REQUESTING ACCOUNT MONTHLY STATEMENTS. CONSUMER IS ALSO REQUESTING FULL FILE DISCLOSURE UNDER 15USC 1681g

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Payward Ventures Inc. dba Kraken
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I deposited money in to the crypto trading app Kraken XXXX  times successfully then I got an error message saying to contact customer support to deposit any further funds. I then contact support who tells me to send the front and back of my debit card and bank statement. I send everything they ask for and wait a week and counting, contacting them every other day for an update. Two days after I contact them I suddenly cant even log back into my account which has my funds in it. When I called customer support again they said I cant do anything about it and he hung up while I was speaking. Absolutely rude and a complete scam.

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 2023-08-19
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
on XX/XX/XXXX my car company us auto sales went bankrupt and was told my loan was being transfer over to west lake portfolio mangement. my vehicle broke down due to transmission failing and called west lake to correct the problem since us auto sales say my loan was transferred. west lake agreed to put a request in because i was spending over XXXX XXXX to get my car fixed and west lake was not honoring the service agreement even t. on XX/XX/XXXX my vehicle was repo and i was told my payments were behind on the vehicle. i told west lake that i had to get my vehicle service since they did not honnor the service agreement with us auto sales. then west lake also said that i haven't paid on the car since i had for 2 years which is a lie and have payments to prove it. then they are charging me full price for my vehicle when i first got the vehicle 2 years ago in XX/XX/XXXX. they were telling me my whole loan started over but i never agreed to any loan starting over and did not get any phone call from us auto or west lake. and it still show that us auto is still the lein owner of my vehicle not west lake and they are not explaining any details from us auto sales contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We decided to switch banks to Citibank so we opened a checking and XXXX savings accounts on XX/XX/XXXX and transferred money to them. On XX/XX/XXXX, I realized I wasn't able to log in to my account online ( because they never sent me my debit card ) so I had to call them to unlock it and send me one. Once I received my debit card it wouldn't activate online so I had to be on the phone with them for XXXX minutes to get it activated. After all of these issues ( and additional issues applying for a CC with them ), we decided to leave Citibank so I asked what I need to do to close my accounts and they said I had to transfer the money out of the accounts and I could call to close it. So I transferred the money from checking back to our old bank account and tried to transfer money from savings to our old account but it said access was denied and then I couldn't login to my account. I called them and they tried to verify me using my phone # but said it didn't work so I had to wait for a letter to get verified. The letter came on XX/XX/XXXX, I called them again on XX/XX/XXXX to get my account unlocked ( because I wasn't able to access my account or have access to any of my money in my accounts during this time ) and the man on the line, after talking with the security team, told me I had to call them back in XXXX hours since their system was down. I called them on XX/XX/XXXX and the lady told me my accounts had been marked to be closed so I had to wait until my accounts closed in 30-60 business days and then I would receive a check in the mail with the money of all my accounts. I asked if there was a way to re-open them so I could actually get access to my money ( since I still wasn't able to access any of my money at this point ) but she said she couldn't undo the process and I have to wait 30-60 business days until they could mail me my money. There should have been no reason why I was locked out of my account in the first place ( since they literally told me to transfer the money out of my accounts in order to close my accounts to switch banks ) let alone now it is marked to be closed and I still don't have access to my money. They also never notified me of the fact that they were closing my account until it was too late and I was on the phone with the lady on the XXXX. I don't know even know how much money I have with Citibank right now and I want to know so I can make sure they send me all the money that is righfully mine.

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