BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and 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 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

" I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ''

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 2023-05-29
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount agreeded upon is {$390.00} more than what I agreeded to pay. I have not received a letter from them. I spoke briefly with a representative when we discussed the agreeded to amount. But now I feel like they are trying to extort more money that I didn't agree 2 pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased a sofa with Ashley Furniture on XX/XX/XXXX, and was promised 0 % APR for 60 months. I was set up for auto payments through MySynchrony so I never realized that on XX/XX/XXXX, they hit me with {$370.00} of interest and it has been rising ever since. The total balance is now more than what I started with! I had originally wanted to pay for the entire sofa in cash, but did not bring enough with me. I was promised by Ashley Furniture that I could come back and pay the rest of it off in cash, but when I had returned the next week they said everything had to be done through the credit card. After reviewing the contract, it does state that MySynchrony only allows 6 months of no interest, but the salespeople at Ashley Furniture DID NOT MENTION IT ONCE. I dont understand how it is legal for them to make these completely false advertisements. They will never receive my business again, and the sofa I purchased started piling after 3 months anyway. Total waste of my time and money!

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 2023-05-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have three missed payments on my XXXX  XXXX credit card XXXX that are seven years old and need to be deleted from my XXXX credit report I have asked for these items to be deleted, but they are not. 

The three missed payments. Are the dates following. XX/XX/XXXX, XX/XX/XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
On XXXX XXXX XXXX I file letters to XXXX, XXXX, and XXXX To remove bad information from my credit report within 30 days I received letters back that the information that they had was verified by LexisNexis. LexisNexis has no right to this information. 

On Letters XXXX XXXX XXXX  I sent out letters to Lexis Nexis to remove my personal formation from their systems. Because they have violated upon my consumer rights to privacy. 15 USC 1681 ( a ) ( 4 ) Violation Upon a Consumers right to privacy. 

CCPA Rights Right, to Limit the Use or Disclosure of Sensitive Personal Information You have the right to limit the use or disclosure of your sensitive personal information. Sensitive personal information may include but is not limited to information such as your social security number, drivers license number, state identification card, passport number, financial account information, or precise geolocation. A request to limit the use or disclosure of your sensitive personal information will prohibit your sensitive personal information from being used or disclosed except for certain uses provided by law, including but not limited to : Detect security incidents, resist malicious, deceptive, fraudulent, or illegal actions, and to help prosecute those responsible for such actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
Sycnrhony Jc Penney ( SYNCB/JCP ) is repoting a fraud account on my credit. I have made several attempts to dispute the validity of the account with Synchrony and with the 3 major credit bureaus, and yet it continues to report in my credit. Please note the attached FTC report as I the account is complete fraud and needs to be 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 explanation
Consumer complaint received 2023-05-29
Company: Convergent Resources, Inc.
State: VA
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:
Convergent outsourcing been reporting an inaccurate account And I ask previously to prove this account And provide information which they fail to do so

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 2023-05-29
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing the information being reported by LVNV Funding LLC on my credit report. I contacted them asking that they please provide documentation of the alleged debt. My attorney contacted them asking the same. The company refused to provide any documentation showing the debt, amount of the debt, contract between myself and the original creditor or any type of documentation. Instead the company replied by asking me to provide documentation of the debt. I provided what was reported in my credit report which is all of the information that I have. If the company is stating the debt does in fact belong to me then they should also have all of the information. My attorney then contacted the collection agency requesting if such documentation can not be provided to please remove the debt from my credit report. The company did neither provide documents or remove the debts. At the time of contacting LVN Funding LLC they were reporting two separate accounts on my credit report. I was advised that one account showing a total of {$170.00} has since been removed from my credit report.

However, they are still reporting one account showing a total of {$130.00} which I have yet to receive any documentation showing proof the alleged debt even belongs to me. I am again requesting if documentation can not be provided the debt be removed from my credit report immediately. I am included in this dispute the correspondences between my attorney and the Collection agency reporting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX US Bank had sent a message on my online account that my account was being suspended. When I called the number they didn't or wouldn't tell me anything. So I went to a US bank branch in XXXX XXXX  on XXXX XXXX and spoke to a banker XXXX XXXX. She had to set an appointment for me on Wednesday the XXXX of XXXX because the offices of the fraud department was closed. At approximately XXXX XXXX  on XX/XX/XXXX I meet with the banker and she called and spoke to someone regarding my situation. They told they didn't want my business anymore and they were closing my account due to me breaching my contract. The banker asked if they could un lock the hold so I could get some funds because I didn't have no money and this was about to be a holiday weekend. They told her NO they would mail me a check This almost criminal because I have no money to pay for me to live right now where I could be on the streets because I'm in between housing and I ve been stay in hotels. I have no money to eat or even get to my job because of this situation. I'm in a very distressed situation and no gave a darn about me and my well being. I need my funds now or if I need to call the XXXX on your side news people to let them know of the in justice that I'm going through. I would appreciate someone calling me to resolve this issue. My number is XXXX. I have not been able to eat and basically no place to stay through this situation. I don't a person should be treated the way that I was. I am a hard working individual that has put money in this bank and to get treated like a nobody is really disheartening. I hope to hear from Someone tomorrow 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
I was a secondary cardholder on an account until XXXX, when the primary cardholder removed me from the account. The primary cardholder later was unable to pay their bill and now I have had repeated calls from American Express or parties that represent American Express to collect this debt. They always ask for the primary cardholder and I tell them that I have not had contact with the primary cardholder since XXXX. I tell them to stop calling me, they say they will stop calling... then they call again. The calls had stopped for a month or two until they started again, and they're always from a spoofed local number that says American Express on the caller ID. 
Recent Call list : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have attached a copy of my driver 's license as proof of the only personal information that should be listed on my credit reports. All other information is inaccurate and needs to 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 non-monetary relief
Consumer complaint received 2023-05-29
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: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2023 i received a copy of my credit report and i see 2 unauthorized made by XXXX XXXX on XX/XX/2023 and i inquiry made on XX/XX/2023 by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PORTFOLIO REVOVER ASSOC IS reporting XXXX collections accounts on my credit report. Each account shows an account open date for XX/XX/2019. No date of delinquency. 

Pursuant to Section 623 ( a ) ( 5 ) of the FCRA, a consumer account that has been placed for collections or written off must report the actual month and year the account first became delinquent.

I have never received any notice of this collection. I have not entered into any contract with Portfolio Recovery Assoc.

I requested from PORTFOLIO REVOVERY ASSOC the following in order to validate the legality of this debt.

1. Authenticated Contract - Contract between consumer and original creditor, including terms and conditions of contract.

2. Proof of Title to debt 3. Proof of Assignment 4. Proof of debtors failure to pay alleged debt 5. Accounting ( a breakdown of what the debt consists of ) I hereby invoke my right to request the above under the following : UCC 9-406, 810 ILCS 5/9-406 UCC 9-210 8b of the Collection Agency Act, 225 ILCS 425/8b 623 ( a ) ( 5 ) of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
During the mortgage process I was made aware that multiple accounts had been reported to my personal file that did not belong to me.I reported this information to law enforcement as well as the credit agencies furnishing the information. I have attempted to resolve these discrepancies multiple times over the past couple of years. I even voluntarily paid some of the accounts in order to stop the damage to my credit and constant harassment by collectors. I was informed by my lender to file a complaint with the consumer protection bureau. I request immediate deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank closed my savings account without my permission after falsely detecting a fraudulent transaction when it was a legitimate transfer from my XXXX brokerage account. Since XX/XX/2022, I have been locked out from accessing over {$75000.00} in my savings account and have no correspondence on why I still have not received my funds. 

I have called the Citibank over XXXX times and have visited the XXXX branch in XXXX XXXX multiple times. They keep mentioning that I will get a correspondence in 48 hours or mail within 10 business days but I have still not received my funds. Each time I try to ask for escalation given this ordeal has been over 7 months, they say there is nothing else they can do and out of their control.

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 2023-05-29
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, my husband and I submitted a claim with the Consumer Financial Protection Bureau ( Complaint ID : XXXX ). We received notification on XX/XX/XXXX that the claim was denied because the complaint lists someone the company does not recognize as their customer or their customers authorized representative. My husband, XXXX XXXX submitted the claim on my behalf, submitted the claim, which is probably why we received this message. I am now resubmitting this claim under my own name. 

We look forward to a prompt resolution of this matter. 
XXXX XXXX XXXX, AZ Phone XXXX. 

On XX/XX/XXXX, I used my Citicard Mastercard on a trip to XXXX in XXXX, where we purchased a marble chess set and necklace from a store called XXXX XXXX XXXX for an agreed price of {$850.00} USD. At the time of purchase, the store ran my credit card through its card reader but then said the card reader wasn't working and nothing printed out. The store then ran my card through a different credit card reader, at which time the sale went through. 

When I checked my statement the next day, I discovered that I had been charged twice for the same item ( {$850.00} from XXXX XXXX XXXX XXXX XXXX ; and {$840.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These two charges were purchased in the SAME store and for just ONE bill of sale -- the marble chess set and necklace. We immediately sent an email to the store asking them to remove one of the two charges, but they never responded. I filed a Citibank Billing Dispute on XX/XX/XXXX ( Case # XXXX ). I also spoke several times with their billing dispute team filled out their application form and provided additional documentation each time it was requested. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) both by regular mail ( dated XX/XX/XXXX ; Case # XXXX ), by email, as well as numerous follow-up phone calls. 

On XX/XX/XXXX we received a vaguely worded notice from Citibank that they are denying our claim. We were given no reason other than " we have no options available to assist you in this dispute because of the age of the charge. '' As far as we know, Citibank never even contacted the store from where the purchase was made in 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 2023-05-29
Company: Consumer Portfolio Services, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Consumer portfolio did not indicate any autopay was activated and was not on the account before. I then went to make my payment as normal at XXXX because I do not have fees. I then look at my bank account and I am over drawn by {$420.00} from consumer portfolio because they took another payment. I contacted them right away and was told I could go to XXXX and get a refund so I did and nope no refund allowed. I called back they can send a check or refund the autopay but the whole time now I have to be charged overdraft fees now playing with my rent and other bills. I want consumer portfolio to pay those fees for each transaction they caused an overdraft for, to remove autopay and to start notifying they are turning it on as well as allow customers to turn it off as they please via the site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Capital Link Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call today ( XXXX XXXX ) from CLM collection agency for a young woman ( XXXX XXXX ) who lives at the same address as me. I have no responsibility or involvement in her finances. I forwarded the message to her ( screenshot of the voice mail transcript ). She called the number given ( XXXX ) and was told they have a right to call me about her situation because we have the same address. This doesnt seem right to either her or me. Is that a permissable tactic? If not, please lodge my complaint against that company. 

Thanks.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX withdraw from Bank of America my checking account - {$4900.00} through XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Someone use my name & address to apply business account through Rhode Island Department of revenue 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 2023-05-29
Company: Fidelity National Information Services, Inc. (FNIS)
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  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 15 U.S. Code 1681 section 602 A States I have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : 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 2023-05-29
Company: CBC Companies, 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 Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S. Code 1681 section 602 A States I have the right to privacy.

15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation