BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
Company: Affirm Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made a purchase from a merchant for {$59.00} back in XXXX of XXXX, and I paid for the merchandise through Affirm, which is a lender whom pays the vendor where the merchandise came from. I had to make four ( 4 ) {$14.00} installments for the merchandise, which was charged to my credit card every two ( 2 ) week until the debt was satisfied. When I received the merchandise, it was defective and did not work. I sent the item back, but was never refunded by the merchant. I have tried to contact the merchant, but never got a response back. Affirm would not refund me for the {$59.00}, so the only recourse I has was to contact my credit card company to dispute all four ( 4 ) installments and was refunded by my credit card, however, I was notified by Affirm today, XX/XX/XXXX, that my loan in the amount of {$59.00} was charged-off ( due to the charge-backs from the credit card co ) and that I will be sent to a collections agency. I called Affirm today to explain the situation about receiving defective merchandise that I no longer have in my possession, and the man stated there would nothing they could do. He said the dent will be sent to a collections agency. This is a disgrace that I have to deal with this headache for less than {$60.00} and I have a very good credit score. I feel this should be refunded and not turned into a collections agency when this was an unfortunate situation that happened. Please help. This is totally ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

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 2021-01-07
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 have filed a report before all other accounts that where not mines where removed due to inaccurate information or never doing business with that company. XXXX XXXX XXXX XXXX is the only one that remains

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 2017-03-14
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Other

Complaint:
I have been issued the VISA Platinum level credit card by CITI bank a few years ago. I have been currently out of the country since XX/XX/XXXX and Citibank/credit card was informed about it. Unfortunately, without informing me or without any advance notice, the card has been blocked and I am unable to use the card while travelling, which causes a lot of problems for me. There is no reason for blocking my card and funds on the above card. I called the bank four times on XX/XX/XXXX. The first representative informed me that the bank is changing cards ( from VISA to Masercard ) and that I would be receiving a new card " soon ''. I was also informed that I could still use the old card for 75 days. The bank employee confirmed, that if I tranferred my money to the old card I would be able to use it. I did that. Unfortunately, my card and my funds are still blocked by Citibank. I called Citibank again after my card was declined during attempt to pay a bill. I was informed that due to weekend my funds would be available on the next business day, that supposed to be Monday ( XX/XX/XXXX ). I waited. Unfortunately, the card was declined on that day as well. I called the bank immiedietly after that ( again a few times as no one was answering the call after I was prompted to enter my card number and Social security number ). Finally I was connected and asked to speak with a suprevisor. In a pleasant conversation, the supervisor assuered me that I would be able to use the card after midnight, meaning on Tuesday ( XX/XX/XXXX ). I have just tried to use the card today ( XX/XX/XXXX ) however the situation continues, and the card is blocked by Citibank without my posibility of paying the essential bills including, but not limited to buying a plane ticket. The situation is outragous with the bank being fully aware of my travels abroad, sending some cards somewhere ( certainly not to me ) and blocking my old card preventing me form using it while travelling abroad and having limited access to any funds or banks. Moreover, on XX/XX/XXXX, I received a call from Citibank employee telling me that my credit card bill is overdue and I am over the limit on the card, which is clearly not the truth as showed in the attached screen photo of my Citibank credit card webpage as of 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 explanation
Consumer complaint received 2018-03-13
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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX To whom it may concern : Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX I will also attach photos of Accounts and inquiries that are fraudulent. Remove them immediately. Please look at the attached photos. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in less than 120 hrs of your receipt, thank you for your prompt attention to this matter. This isnt the first time Ive contacted you about this situation and if the accounts isnt removed by the time frame I demanded I will take legal actions immediately after the response letter. 

Sincerely 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 2023-02-02
Company: Possible Financial Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
Possible loans are paid every payday which is every other week with a 198.4 % rate. Each time they report to the credit bureau it has dropped my credit score over XXXX points. The way they are reporting has caused me problems as I have attempted to advised them of the drop of my credit score each time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Early XXXX I contacted this bureau requesting due diligence be done on this account or removed they responded that the accounts that been validated but again FAILED TO PROVIDE METHODS OF VALIDATIONS! XXXX Notice for validation of debts. also this information upon further investigation of my own as the consumer has been found to be fraudulently reporting ( documentation attached ) either the company is allowing these inaccuracies to continue to report or the no investigation is being done! PLEASE REMOVE THIS ACCOUNT! 


Duties of Furnishers to Provide Accurate Information Section 623 ( a ) ; 15 U.S.C. 1681s-2 ( a ) Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 non-monetary relief
Consumer complaint received 2015-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: CBC Companies, 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: Their investigation did not fix an error on your report

Complaint:
In XXXX I disputed an account with Innovis for XXXX XXXX XXXX XXXX. The account was deleted but reinserted. According to law. The consumer is supposed to be notified of a reinsertion with 5 days to his credit file. Innovis has not done this. This item was previously removed then reinsert. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: NC
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  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX XXXX acct # XXXX, also XXXX XXXX XXXX XXXX 30 day late payment, and XXXX XXXX 30 60 and 120 day late payments has violated my rights. 

15 U.S.C. 1681 section 602 A. It also 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 withiut 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 2022-04-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone got a credit card in my name, used my social security & other personal information. They changed my passwords to where I can not log into my emails & access the credit card information that was used. It was a Chase Mastercard that was opened in my on XXXX, XX/XX/XXXX in the early morning using an email address that I had, and no longer can log into. I've submitted a report to my local authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: BARCLAYS BANK DELAWARE
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:
On XX/XX/2022 I notified my credit card that I had unrecognized charges on my account and filed a dispute. On XX/XX/2022 they notified me by mail that one of the charges was valid and that the provisional credit they'd issued to me had been reversed. The charge was in the amount {$610.00} for transaction XXXX which was charged on XX/XX/2022. 
I did not make this purchase but am being charged the full amount plus interest.

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 2016-01-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I applied for a VA refinance loan with XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX. My application was denied because of an INCORRECT report provided to them by Experian XXXX. XXXX XXXX, XXXX, XXXX, XXXX. I had been a ID theft victim in XX/XX/XXXX & notified all XXXX major reporting agencies by certified mail. They also reported that : " serious delinquency and collection has been filed ", which is again incorrect ( I also checked XXXX XXXX! ) because I filed a Chapter XXXX, final on XXXX/XXXX/XXXX. This blatantly WRONG information cost me obtaining a lower interest rate refinance rate! ( I 've been told that a BK should NOT preclude me from a refinance of my original loan! ) Also, I know have discovered that XXXX has been " dropped '' by the XXXX & fined by the FTC? I 'd like EXPERIAN ( the only XXXX of the XXXX major reporting agencies to file a negative report! ) to immediately correct my record! Thank You, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Email : XXXXXXXXXXXX, Ph : ( XXXX ) XXXX. Experian & like agencies do not respond to consumers, or can they be FAXED, E mailed. or called to correct same! Note : XXXX XXXX still advertises on TV!

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 2016-12-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried fro XXXX months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time

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 2022-10-11
Company: Cedars Business Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i received alerts of a collection account being placed on my credit report by cedars business services after looking into the matter it is coming from i robot corporation. i called the collection agency who did everything they could to collect this XXXX even after i explained to them i did not order anything from i robot. i explained i had a fraud alert on my credit report and i am a victim of identity theft. The agent was more concerned with paying the debt then trying to resolve the issue. i did not open a i robot account no information was used to order this item which i dont even know what it is besides my name no birthdate or social security number nothing. they are aware of my complaint as ive exhausted myself in talking to them to resolve the issue. a police report for id theft was filed and will be attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notification that medical debt has been placed with Radius Global Solutions. Ive been making payment to these debts and have paid two of the three off. I have not gave consent to have my protected healthcare information to be released to Radius Global Solutions and it is a violation of my HIPAA Rights.

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 2016-03-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed a collection account from XXXX on my credit report to experian, they responded that they verified the account, but somehow XXXX could n't verify the account. So who 's wrong? I say XXXX, cause as I stated in my original dispute the account was incorrect. So how did XXXX verify an account another credit reporting agency could n't? Does Not exactly explain out very well.

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 2022-10-11
Company: ENCORE CAPITAL GROUP INC.
State: OH
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 been trying to get this MIDLAND CREDIT MANAGEM Original creditor : XXXX XXXX Off my credit report because it not my account. I wrote letters and e-mails that this wasn't mine. If you pull up my credit report you can see that I pay all my credit card bills on time without a problem. I'm sending you this complaint because I needed to apply for a parent loan for my son that's in college. I don't know what to do but tell my son he has to come home because they won't delete this from my report after I sent in several letters. I do have proof that I sent it online but I know longer have copies of the mail in letters due to a house fire that I had

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collector calls repeatedly, 2-4 times per day including both weekend days, sometimes leaving automated messages. I last answered a call from them on XXXX, during which I informed them up front that I was aware of the state of my account and did not know when I would be able to pay the bill ; I was pushed no fewer than XXXX times to agree that I would have it paid by a certain, arbitrary date so that the caller could leave a note on my account to that effect, which I would then be held to, despite my repeated insistence that I was not certain I could pay by that date. The caller eventually put the note on my account despite my protests. The repeated calls are intrusive and stressful.

Company response to consumer: Closed with non-monetary relief