BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: Bull City Financial Solutions, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was from XXXX XXXX XXXX XXXX, which occurred during the peak of covid 19 XX/XX/2021. Due to the pandemic, I was hit with financial hardship due to unemployment and was not able to pay my energy bill in the amount of {$1400.00}. It has had a long-term effect to this day affecting me from doing the necessities like getting a car loan for a car or applying for a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: PA
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 disputed this account ( XXXX XXXX ) multiple times & Experian has violation my rights. As seen in the pictures this account was reporting Derogatory/Chargeoff. After disputing inaccurate information not only have they changed the status to open but they are also reporting that its current. Even the payment history has been updated which is inaccurate as well! No documentation has been sent to me from Experian or XXXX proving that this account is mine. This is illegal!

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 2023-04-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
they given oout my information without my permission i want them fine and a lawsuit aganist them asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am filing a claim against the collector for violating the Fair Debt Collection Practices Act, which prohibits suing or threatening to sue for a time-barred debt. the contract was on XX/XX/XXXX for a oil leaking vehicle a XXXX vehicle, this debt is barred from collecting. Sec 2725 440.2725 statute of limitations in contracts for sale ; contractual reduction. My wages are getting garnishment since XX/XX/XXXX its been 8 years since this contract was entered. 440.2725 this company credit acceptance is violating the Fair Debt Collection Practices act. 440.2725

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 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Capital One is charging 30.24 % interest. This is the third increase in one year. I called the company and requested a lower interest rate. They declined. My account is current and I have made all payments on time. I have a good credit score. 

Why is >30 % even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: PA
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 have been trying to dispute fraudulent information on my credit report for months The accounts were opened in result of fraud The Fair Credit Reporting Act mandates that all credit bureaus report only valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. They are not cooperating with me at all. 

Several attempts to verify and dispute fraudulent information on my credit report have been unsuccessful. The credit bureaus are not even attempting to verify the information I am disputing and have not responded back to my request to delete the information from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: MN
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:
On XX/XX/2022, I had a court appearance with my ex husband to dissolve and settle the marriage disputes. The only issue that was addressed by the Judge was child custody and child support. I filed a motion for reconsideration. Because of the threats to take my medical license, driver 's license and incarceration, I paid what I could, and contributed to the remaining to the costs of travel, which under XXXX code XXXX is considered support. The other party then contacted child support agency, who not only sent income withholding orders to my place of work without a judge 's signature, they put that I was behind XXXX dollars in arrears on my credit report, stated that it was an installment loan. I sent them a letter asking them to release the contract and validation of debt, and they refused to send me that, using terms such as " obligation '' when that means contracted debt or agreement. I also sent them a cease and desist. I submitted a claim to Experian, XXXX, and XXXX to remove the account. I also noticed it hasnt even been updated, and remaining the same amount. Im submitting this complaint, because they do not have my consent to release this information of my credit report and also refused to release validation of debt. They do not have a signed contract of voluntary obligation of debt. The court case was completed under grounds of lack of jurisdiction and unconstitutionally violated my rights under the Color of Law. This has damaged me severely and will be seeking remedy.

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 2023-04-21
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:
Hi, My name is XXXX XXXX XXXX. I'm not sure how to go about this. I believe someone has stolen my identity, or the credit bureaus has made major errors on my credit reports. I have rights under 15 USC1681 XXXX, Experian, and XXXX is govern by 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed below be removed. According to 15 USC 1681 I have a right to privacy, and I did not give Experian, XXXX, and XXXX written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As I stated above, these accounts don't belong to me. Meaning I never opened these accounts, nor did I give any one authorization to do so on my behalf. I have never been in contact with any of the above listed companies. I don't believe these collection companies have legal rights to conducting business in my state of Georgia. Also I listed inquiries that I didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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:
Hi, My name is XXXX XXXX XXXX. I'm not sure how to go about this. I believe someone has stolen my identity, or the credit bureaus has made major errors on my credit reports. I have rights under 15 USC1681 XXXX, XXXX, and Equifax is govern by 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed below be removed. According to 15 USC 1681 I have a right to privacy, and I did not give XXXX, Equifax, and XXXX written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I stated above, these accounts don't belong to me. Meaning I never opened these accounts, nor did I give any one authorization to do so on my behalf. I have never been in contact with any of the above listed companies. I don't believe these collection companies have legal rights to conducting business in my state of Georgia. Also I listed inquiries that I didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Deposited {$500.00} on XX/XX/XXXX from my XXXX  checking account through ACH debit Deposited a {$30000.00} check on XX/XX/XXXX at Capital One ATM branch at XXXXXXXX XXXX XXXXXXXX, XXXX  branch Current Online checking deposit shows the amount of {$30000.00} balance including interest paid by the bank On or about XX/XX/XXXX, I tried to call the number the bank gave online which is XXXX because the bank says that there is a problem with my deposit. I requested to speak with a bank representative on that number but the automated call only instructed me to leave my number and they are going to call back. The bank never called back and I repeatedly called them with the same result. Alarmed, I went to the bank ATM branch at XXXXXXXX XXXX XXXX XXXX to directly speak with their branch representative in person. The bank rep was able to finally get hold of the banks rep and the bank rep told me that they have decided to close out my checking account and that they will send me a check. It's been almost a month now and I have not received the check yet from my closeout account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: SYNCHRONY FINANCIAL
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony bank calls me 15-20 times A DAY even just one day after a payment is late, and continue to do so every single day until a payment is made. They have even left messages on my voicemail threatening to take legal action with a lawsuit if I, or my lawyer do not contact them and submit payment immediately. Its non stop harassment and its causing XXXX XXXX, and my phone does not stop ringing when Im trying to work. This is against debt collection law, and they need to be held accountable.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2023 I mailed a certified return receipt letter Experian requesting an investigation into the matter of multiple inaccuracies. Payment statutes, payment history, past due balance, current balance, date open, date last active, date of first delinquencies, employment, telephone number and address information. I requested Experian to fix this and be reflected in the proper picture of my creditworthiness. I have yet to receive a response and a new credit report with credit score.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX 15 U.S. Code 1681 Section 602a states I have the right to privacy 15 U.S. Code 1681 Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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. Code 1681s2 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. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and

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 2023-04-21
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased a ring from XXXX XXXX on an XXXX  months no interest plan. The credit is issued by Comenity. I set auto pay through my bank to handle the monthly payments. A few months in I looked at the statement and Comentiy was charging me interest every month. Calling them resulted in no resolution, I addressed the situation with XXXX XXXX and they agree with me and have been calling Comenity with no resolution after 2 months. This has been escalated to XXXX 's district manager and Comenity is not calling them back. 

This is very frustrating and outright theft. They are not abiding by their promotional terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023 I made a call to customer service to Ally Bank and they entered incorrect info and locked me out of my account. Many attempts were made to have access and were denied due to identity concerns. Ally Bank allegedly closed my account and placed funds in isolation and claim that the other bank, XXXX has to claim the funds to be returned to the original account from where there were transferred. XXXX denies that is the procedure and they have me in a he/she says back and forth without offering solid solutions.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted each creditor and all told me that they dont have any information on me about the inquiries thats reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. If you cant verify please delete these unauthorized inquiries 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 explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: PA
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:
On todays date, I reviewed my credit report for Experian. I noticed that there are names listed incorrectly on my credit report. My legal name is XXXX XXXX XXXX however ; the names that are listed is XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and several more. I am asking any other names other than my legal name be removed as I never provided this information. On credit report it has a listed spouse name XXXX no last name but I have never been legally married. Please assist me with removing this information.

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 2023-04-22
Company: Genesis FS Card Services, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit Card account fraudulently opened. 
I did not apply for the credit card with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following :

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 2023-04-22
Company: EQUIFAX, 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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted each creditor and all told me that they dont have any information on me about the inquiries thats reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. If you cant verify please delete these unauthorized inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Incomm Holdings Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I purchased a Vanilla Visa card for {$400.00}. Before I purchased anything and with in 7hrs my {$400.00} had been stolen. This has happened to thousands of people. They say that they will send another card with in 45-90 days. But they never send a card and if they do the same thing happens. Vanilla Visa is a scam and they need to be looked into. I really need them to refund my {$400.00} and not have it take 45-90 days!

Company response to consumer: Closed with explanation