BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone else opened up an Experian account with my name I guess my information and everything and now that I'm trying to get a student loan and a student credit card because I'm going to school all of a sudden my account is froze because they're saying I owe {$14.00} well I don't have that or I wouldn't be trying to get a loan I can't get you alone I can't get none of that until my account is unfreeze

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 2023-07-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2020-01-03
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I'm writing a formal complaint against NetCredit due to failure to comply with my request to receive a transaction statement. On XX/XX/2019, I sent a written request for a transaction statement to show how my payments were applied towards principal and interest. NetCredit emailed me a copy of my payment history, nothing detailed of how my payments were applied. I spoke with several representatives who advised me my balance had increased due to interest incurring daily. I had this loan with NetCredit for a year at a payment of {$160.00}, which was automatically drafted from my checking account bi-weekly. As of today, my balance due is {$7000.00}. 

NetCredit has failed to supply me with a detailed transaction statement showing me why my balance is steadily increasing and failed to provide me with a breakdown of how the interest of 59 %, came to a payment of {$160.00}. NetCredit has not been transparent about the usury interest cap allowed for non-bank lenders outside of Georgia. I have a credit score of XXXX and NetCredit, still has me at an interest rate of 59 % for a loan amount of {$6000.00} with expectations of me paying back over {$21000.00}. NetCredit interest rate is higher than 59 %, which is not allowed in Georgia, and a violation of the usury law. I was provided an amortization schedule that shows different amounts from dates I've paid through ACH. 
As a consumer, NetCredit has provided inadequate and false loan terms and provided me a negative amortization schedule knowing the loan payment was too small to cover the interest which, is adding to the unpaid principal balance. Upon my research on NetCredit, I question if NetCredit is licensed to do business legitimately in Georgia. NetCredit has geared up to perform unfair and deceptive lending practices on consumers in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had repeated issues with Comenity Bank over my Ann Taylor credit card. I pay my bills through the mail, and have been regularly charged late fees and interest due to the time Comenity takes to process a check. In XXXX I mailed a check to Comenity on XX/XX/XXXX ; it cleared my bank on XX/XX/XXXX and as a result I was charged a {$30.00} late fee as the bill was due XX/XX/XXXX. All other checks I mailed on the same date cleared our bank on XX/XX/XXXX. After complaining to Comenity they waived the fee. The problem is this keeps happening. The same thing happened in XXXX ; the check was mailed XX/XX/XXXX and by XX/XX/XXXX still had not cleared. To avoid another late fee I paid the minimum due on XX/XX/XXXX. As of today, XX/XX/XXXX the check, which paid the bill in full, has still not cleared. Again, every other check I mailed on the same date, cleared our bank in under 10 days. In the meantime, Comenity is charging me interest on my account. 

My husband has two other credit cards held by Comenity with which he has had the same issues. Again, no other billed we paid by check did not clear in time.

I have found Comenity to be extremely difficult to deal with every time I called. I finally got the late fee waived after demanding to speak to a manager.

I would greatly appreciate your agency looking into this issue. People can not be punished for paying bills by mail!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Letter sent to XXXX XXXX on XX/XX/22 regarding the investigation of 3 Inquiries not authorized. A stall letter has been to me from XXXX stating this information did not come from me, even though I included my license and bill copy. According to FCRA U.s.c 15 Sec. 1681, I'm aware of my consumer rights concerning the investigation of unauthorized inquiries.

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 2020-09-13
Company: Rosebud Economic Development Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Yes I got a loan from them for {$1000.00} and I thought it was weird that they asked me for my bank login information like my password and email to log into my bank account I did not give them that I just gave them the routing and account number I didn't even speak to anybody I just sent them my picture of my ID and my bank account information and they put {$1000.00} in my bank account. The agreement was for them to take the payment directly out of my bank account every week. I had a problem with my bank because my card was stolen and my my account was compromised so I had to freeze the account. I do not have any checkbook or any kind of checks and they wrote a fraudulent check into my account for the one of the  payments I contacted my bank and they looked into it further and reimbursement my account. I can not believe that they went to write a fraudulent check in my name. They're obviously a scam and a fraudulent company and I need to take action.

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 2016-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My car dealer told me to pay the DMV XXXX, which I did. However, I had already paid and the DMV sent me back the check. Bank of America took it out of my account and then will not give it back, though I 've called six times to have it given back. 

Additionally, I filed a claim with Bank of America due to fraud at a postal center while I sent a sculpture. They charged my card {$110.00} fraudulently after quoting me {$25.00} dollars. Bank of America honored their fraud and gave them the money even though I never allowed it to go through nor did I approve the price. They signed it wihtout my permission!

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 2019-09-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I came to notice a check fraud on my business account XX/XX/2019. A check number XXXX was cashed out of my account in the amount of XXXX dollars. I recently changed the name to my business legally and made changes with the bank as well. New debit card and checks were ordered. Debit card was received in the specified time of arrival, checks did not. I am a XXXX driver, so I was out of state when the checks came in the mail. Checks were stolen from the mail box and cashed. I called the bank to notify of the transaction and filed a claim. The check does not have my handwriting nor my signature. I was given 3 to 5 working business days for the investigation to complete and refund of the money. I called in Wednesday and was told to wait until Friday. I called Friday and was told that bank was prolonging the investigation to 30 days. Bank has failed to provide information and return money by their given timeline. Bank is at negligence for not checking for the correct signature and preventing my account from fraud transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
XXXX XXXX is reporting late payment for Equifax, XXXX, And XXXX! Multiple disputes have been sent in to them with no update - no investigation and no replies back from company & credit bureau. Inaccurate information is affecting my ability to obtain credit! Violation of 15 U.S.C 1681G XXXX XXXX XXXX  with XXXX XXXX Equifax - Inaccurate reporting! This account is showing two different dates that a XXXX  was filed/reported. It is also showing inaccurate reporting with the court it was " filed with ''. XXXX  on a persons consumers report is a Violation of title 15 USC 168 - right to privacy. Despite 9 written letters to the credit Bureau 's - this account is still reporting inaccurately affecting my ability to obtain credit. 

XXXX XXXX XXXX XXXX  Reporting for XXXX XXXX Equifax- was included in XXXX  - reporting inaccurate information - open date is wrong - credit limit is wrong - payment status is incorrect - reporting date is wrong - active date is wrong - and XXXX  on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. I've sent out 9 Dispute letters with nothing resolved! 

XXXX XXXX - XXXX & Equifax - Reporting incorrect information! Open date = wrong. Account type is showing different details for both credit Bureau 's. High credit is incorrect and has two different numbers. Credit limit is inaccurate and showing two different numberes. No proof of investigation despite 9 letters to credit Bureau 's. This was included in XXXX  - and XXXX  on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX - XXXX XXXX Equifax - This was included in XXXX  - and XXXX on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. On top of that - Credit limit is inaccurate - payment status is inaccurate - and active date is inaccurate. 

XXXX - Equifax - This was included in XXXX  - and XXXX  on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX XXXX - XXXX & Equifax XXXX account showing closed, paid and open - account is also showing one missed payment when there wasn't any missed payments. Despite 9 written letters - no change - no reply - and no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. 

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 non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian is reporting in accurate information on all closed accounts, they have not updated my total report, and refuse to update balances on all accounts that are closed, They are still showing open account when the accounts are closed, I disputed they come back with, the accounts have been updated, My credit report needs to be updated all accounts Balances and closed accounts need to state closed, I only have XXXX open accounts, I closed all the remaining accounts.

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 2023-03-11
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:
Fraudulent accounts on credit reports.

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 2023-02-10
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 was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX - XXXX... 
XXXX - XXXX... 
XXXX XXXX - XXXX... 
XXXX XXXX XXXX XXXXXXXX... 
XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-01-24
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discover Bank Under U.S.C. 1681 B, the credit reporting agencies have no right to report anything on my credit report.

Under section 605 A 15 U.S.C. 1681 C-1 It states that with NO consent that = identity theft, and they must DELETE from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Subject : Reward points Date : XX/XX/2021 XXXX PM XXXX XXXX XXXX From : XXXX To : XXXX Sent from the Internet ( Details ) I was solicited by a Citi mailing to acquire a rewards plus account in XX/XX/2021 at which time the offer stated that if I spend {$1000.00} within the first 90 days I would receive XXXX points! Had I been advised at the time of procuring this card I would have not pursued it! 

I applied and spent in excess of {$1000.00} on XX/XX/2021. I subsequently did not receive these points and inquired on 3 separate occasions and was advised that it takes up to 3 billing cycles however I was entitled to these points. 

Today I called and was informed that I am not entitled to these points as I had some past transactions that were blocking this transaction? 

The solicitation was clear and I followed all of your instructions and I should be entitled to these points. 

Thank you for your assistance in this matter. 

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 explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no XXXX try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. COLLECTIONS XXXX {$92.00} XXXX XXXX XXXX XXXX {$4500.00}

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 2023-07-12
Company: Experian Information Solutions 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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-07-12
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: Report provided to employer without your written authorization

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief