BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: ENOVA INTERNATIONAL, INC.
State: WA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was invited to apply for a loan by NetCredit XXXX, and on XX/XX/XXXX, I applied and I was approved for a line of credit of {$2800.00}. Those funds of {$2800.00} less the withdrawal fee of 10 % was sent and posted to my bank account on XX/XX/XXXX. When i signed up for the loan, I was under the impression based on the estimator that my payments would be {$210.00} monthly. I know that is high already in itself but i figured it would be paid faster and I did need it for an emergency. 
On XX/XX/XXXX I logged in to verify my payment due date and saw on my online account/dashboard my first payment would be due XX/XX/XXXX for {$210.00}, and then the next payment of {$200.00} on XX/XX/XXXX, and then the next one of XXXX on XX/XX/XXXX. From there it would be biweekly payment due that are just cents less than the month before. 
When i seen this on XX/XX/XXXX i reached out to understand these terms, and advised i hadn't even received a contract from them at that point and requested for one quickly. 
I have sent so so many emails for clarification or some sort of resolution, and it's always the same response that they can charge these rates because i signed the loan, and that it doesn't matter if their rates are nearly 400 %. 
The most recent email I received XX/XX/XXXX from NetCredit stated that they don't charge traditional interest. Instead they charge {$5.00} per every {$100.00}, and they call it a " statement fee '' that they apply every weeks when the payment is due. For me that would mean that by loan pay off date I would have paid them back exactly {$8800.00} for an initial loan of {$2800.00} based on their fee methods. 
I noticed in my loan agreement that the true lender or entity named in my contract anyways is XXXXXXXX XXXX and XXXX XXXX but it's in C/O Netcredit. It also included XXXX or XXXX XXXX and that entity was the name that appeared on the ACH deposit. 
Since receiving the loan on XX/XX/XXXX for {$2800.00}. I have paid back as of today XX/XX/XXXX the total amount {$420.00}, and current outstanding balance appears as {$3100.00}. 
I included all parties below. The bank appears as the entity involved or the contract pertains to ... NetCredit it the party I applied the loan with through their website ... and XXXX XXXX is who appeared on my bank account when i received the funds. 

I do not know what this complaint will do nor do I have any expectations to act as counsel, but I'd like to know if my complaint has merit so i can continue to look out for my best interest. Or if I have any protections under WA usury laws. Thank you so much for hearing me out, and my frustrations. 

XXXX Bank and XXXX XXXX XXXX Kentucky, XXXX XXXX XXXX XXXX XXXX, KY, XXXX, XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX NetCredit, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: OH
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:
There are XXXX Medical collection accounts on my Experian report that were covered by insurance, and shouldn't have even been collections accounts. I tried to dispute them with no results returned. Now, Experian will no longer let me dispute them, or remove them from my report. They both need to be deleted. One is from XXXX XXXX, the other from 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 2021-12-04
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good morning, My name is XXXX XXXX, Im XXXX XXXX XXXX and a American citizen, retired living in XXXX for the las XXXX years. I have a problem with the Chase Bank which I have checking ( ATM Card ) for over XXXX  years. 
I had an ATM card which I use with withdraw funds from my account which my XXXX XXXX benefits are deposited monthly. In XXXX of this year my ATM card expired and I contacted the Chase Bank for a replacement, due to their outdated policies in dealing with clients that live outside of the XXXX XXXX took over 3 months to get a replacement ATM card which after the first one got lost in the mail the replacement was sent to XXXX by UPS after pleading with them extensively. 
Of course, the PIN for the new card is sent separately by regular mail which it never made it to me, after contacting them that the PIN was not received, they send a new one. At this point the PIN according to them it has been sent about 3 or 4 times even though my mailing address is correct. I have pleaded with them to please send me the PIN by UPS and I would be happy to pay to the shipping cost they informed me that they can not do that which I dont understand since they sent the ATM by UPS why not the PIN? 
To make matters worse they have blocked my password in order to access my account in the banks Web portal. I have tried to call Customer service on various occasions to help me clarify my problems but since I dont remember which ID I used to open the account they rudely hang up on me not caring the Im calling from another XXXX.

As I mentioned earlier, Im a XXXXXXXX citizen that is alone and rely on my XXXX XXXX benefits for my living expenses which I havent had access since XXXX. It would be a financial and health hardship for me to travel to the XXXX to personally fix this problem that can be done by phone or email. 
Your agency is my last hope in finding a solution to my problems since the Chase bank is very callous and it does care on how they treat senior citizens that bank with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX  XXXX Balance Owed : {$310000.00} ; XXXXL XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$2900.00}.

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 2021-06-16
Company: Experian Information Solutions Inc.
State: CA
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:
The credit bureaus have furnished and reported an inaccurate account on my credit report by XXXX. I have sent multiple letters regarding the violations on my report keeping me from obtaining more credit and ruining my reputation. The account is a FDCPA section 807 violation misleading false reporting the last payment date, the balance, the reporting date, last active and date opened are all incorrect and not the same.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: HI
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:
Dear Experian, THE FOLLOWING CLAIMS INJURIOUSLY REPORTED VERSUS ME FAIL TO MEET MINIMAL FEDERAL REQUIREMENTS TO REPORT LEGALLY SO I HERE NOW ENACT MY CONSUMER RIGHT TO CONTEST AGAIN THE REPORT-ABILITY OF EACH NOTED UNCONFIRMED CLAIM BELOW AND MY CHALLENGE IS FOR THE DEMONSTRATION OF THE FACTUAL AND TESTIFIABLE CERTIFIED COMPLIANT REPORTING PROCESS AND THAT THE MANDATED ADHERENCE TO THE PERFECT " METRO 2 '' FORMATTED REPORTING STANDARD WAS IN FACT OBEYED!! ANY DEVIATION INCLUDING OMMITANCE OF REQUIREMENTS, BRINGS TO CONCERN REPORTING OF INFORMATION NOT ETHICALLY AND OR EVEN UNLAWFULLY DONE SO! 

PLEASE DELETE BELOW INVALID ACCOUNTS : XXXX  XXXX XXXX XXXX - INVALID ACCOUNT, DELETE NOW, BECAUSE YOU ARE ILLEGALLY REPORTING " UNKNOWN PAYMENT HISTORY '', PLUS YOU ARE ILLEGALLY REPORTING NO PAYMENT HISTORY AT ALL. 
YOU ARE ALSO ILLEGALLY REPORTING STATUS OF ACCOUNT AS " NO STATUS '' AS WELL AS ILLEGALLY REPORTING " NO BALANCE '' INFORMATION YOU ARE ALSO VIOLATING METRO 2 STANDARD BY NOT REPORTING THE " ACCOUNT TYPE '' AND THE " ORIGINAL BALANCE '' XXXX XXXX XXXX XXXX PLEASE DELETE THIS ACCOUNT NOW BECAUSE YOU ARE ILLEGALLY REPORTING ALLEGED, UNPROVEN, UNVERIFIED AND INACCURATE LATE PAYMENTS.

YOU ARE VIOLATING METRO 2 STANDARD REPORTING, BY NOT REPORTING ANY BALANCE INFORMATION, OR ANY BALANCE UPDATED PAYMENT INFORMATION. 
YOU ARE ALSO NOT REPORTING THE MONTHLY PAYMENT. 

IN ACCORDANCE WITH THE FCRA SECTION 611 ( 15 U.S.C 1681 ( I ) AND IN ACCORDANCE WITH THE ACCEPTED OF METRO 2 DATA FIELD REPORTING, I AM HERE NOW ENACTING MY RIGHT ( S ) TO CONTEST QUESTIONABLE AND OR CLAIMS ALLEGED, YET STILL UNPROVEN TO BE EACH TRUE, CORRECT, DOCUMENTED AS VALIDATED AND OR ELSEWISE UNDENIABLY CERTIFIED COMPLIANT INFORMATION INCLUDED ON MY PERSONAL XXXX CONSUMER CREDIT REPORT. PLEASE STOP REPORTING ANY ALLEGATION OF DEROGATORINESS AND OR DELINQUENCY WITHOUT FACTUAL DOCUMENT PROOF. 
PER FEDERAL AND APPLICABLE REPORTING LAWS OF MY STATE, YOU MUST REPORT WITH GREATEST COMPLIANCE AND ACCURACY. 
I REQUEST AGAIN PHYSICAL AND DOCUMENTED PROOF OF YOUR ADEQUATE INVESTIGATION AND THEN PLEASE SEND ME MY UPDATED PERSONAL CREDIT REPORT FOLLOWING YOUR CORRECTIONS. THANK YOU

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 2021-12-04
Company: EQUIFAX, 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:
The Fact that all three credit bureaus do not collect all data real time and allow third parties to access and use their information right or wrong presentls a fraudulent reporting environment that they seem to have no desire to correct. Here is the facts as defined by Equifax and extracted from their site. What You Need to Know This credit score is a XXXX XXXX based on Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. '' It is almost identical to other disclaimers by the other two major credit reporting agencies. The fact that this has been reported numerous times and ignored by the CFPB. Is by opinion and example a potential collusion to defraud people through presentation of varied calculating practice and different reporting data. To boot the information is access and maintained by NON CITIZENS WITH OFF SHORE ACCESS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple calls, which when I do a reverse number lookup are for debt collection services. They ask for a person with a similar name, but not me. I've told them at least XXXX times already it isn't me, but the calls keep coming. I've asked why is my number associated with this person, and they don't answer, but my own research seems to indicate they purchase information from some company which must have my number associated with XXXX ( I've had the same number since XXXX  ). 

The call today the person said their name, asking again for the similar name as me ( XXXX XXXX vs XXXX XXXX, I do not know nor am related to anyone named XXXX ). When I asked what company they were with, they refused to tell me, and just repeated his name. I again asked what company, he asked if I was XXXX not tell me, and I said " You called me, I'm not saying anything else until you identify yourself '' and they hung up on me. I've tried doing the right thing by saying I am not who they are calling for, yet it keeps happening. For reference, the calling number is XXXX, which reverse lookup seems to say is something called The 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 2023-07-13
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 strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error. Your prompt attention to this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, DEPT OF EDXXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX : # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Account # XXXX has been published without my written or verbal consent which violates my privacy and multiple laws pertaining to thus. 

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

15 U>S>C> 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-06-10
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: Information belongs to someone else

Complaint:
This Account Is Fraud This is very Stressful that I'm a victims Of identity theft I'm a Single Mother That work very Hard for someone to steal My personal Information is just wrong

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 2022-01-20
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received a US bank triple cash sign up offer via mail. It was a XXXX sign up bonus. I fufilled the obligation and now they state that I only get XXXX and dont have any records of the other XXXX dollars.

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 2022-10-17
Company: EQUIFAX, INC.
State: MO
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:
This is XXXX XXXX submitting yet another CFPB Complaint to request to the Credit Reporting Agencies to remove the disputed accounts in which I believe to be reporting erroneous information on my Credit File. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I need the Credit Reporting Agencies to notify me when the items have been deleted. Please reinvestigate the following accounts and have them corrected and or removed : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm writing about my loss mitigation with Amerihome mortgage. I've been overseas for work for the last few months, and did not receive the paperwork for the loss mitigation before the deadline. Amerihome canceled the mitigation because the documents were not returned in time. I want to formally appeal this decision, and can provide documents substatiating that I took a new job overseas, but plan to maintain this home as my permnanet residence. I would like the mitigation to be reinstated so that I can get the documents to them in a timely manner. I told the Amerihome representative that I would be overseas, and they assured me the documents would be emailed, but this did not happen.

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: EQUIFAX, 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:
In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account under a open end consumer plan late on any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, 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:
My XXXX/XXXX  Account is still showing as OPEN on Equifax ONLY. I've opened 3 disputes in the last 2-3 years to have this corrected as this account was closed TWO years ago. I'm now in the home loan process & this error is preventing my family from having a place to live. XXXX/XXXX  has sent multiple letters and updates to Equifax however, it's been two years and they still haven't updated it. I have now opened yet another dispute yesterday but we don't have time to wait another 2 years.Can you please update or delete? Our family is counting on you during these already unprecedented times. It's been 2+ years - can someone please help. I've called so many times to no assistance. See attached!

Company response to consumer: Closed with explanation