BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: NY
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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 2024-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am a XXXX XXXX XXXX, I made secured credit card from my own money with Bank of America last XXXX. 
I also increased my credit limit 200 %. 

I was always compliant with utilization rate of 30 to 40 %. 

My score has increased to XXXX 3 times after I made a phone payment, it said to me that payment has been received. After 10 days days payment was canceled. 
I fixed the problem and made cash atm payment after that. 

Bank of America has canceled my secured credit card with I made from my own savings to build credit aiming to buy and finance some items later. 
I asked them twice to solve the problem, nothing happened. 

I upgraded my stay from XXXX to XXXX XXXX XXXX, bank of America did give me access to investing account Merrill lynch

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 2024-01-31
Company: Continental Finance Company, LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I really dont know what this is. It was continental finance company a MasterCard from the XXXX  XXXX XXXX. XXXX XXXX management company is the person calling at XXXX XXXX XXXX is the partner at XXXX. I dont know what the account number is I do have my name, social and date of birth. I believe this is an old collection, or it was part of my bankruptcy. The lady says theyre filing a civil lawsuit against me and they keep repeatedly calling, they call me they call my husband they call my kids who are XXXX and XXXX. I dont know what this is and if theyre going to civilly sue me they should submit some information to me if its a debt over 10 years old I dont know why theyre still reaching out, or if it was part of the bankruptcy

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 2024-01-30
Company: U.S. BANCORP
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am writing to formally express my profound disappointment and frustration with the XXXX  level of customer service I received on XXXX This experience not only reflects a glaring incompetence in addressing customer issues but also a complete disregard for the value of a customer 's time and trust in your banking services. 

The issue began with a simple task : setting up a username and password for my online banking account. At step two, " Enter your card info '', I encountered a persistent error despite entering the correct information. Expecting a quick resolution, I contacted your customer service. What followed was a staggering 36-minute ordeal, characterized by gross inefficiency and a baffling lack of communication within your team. 

During this period, I was transferred to FIVE different representatives, yet my issue remained unresolved. The necessity to repeat my issue each time due to the previous representative 's failure to relay my situation is unacceptable and reflects a serious breakdown in internal communication. This not only wasted my time but also exacerbated my frustration. 

Further compounding the issue was the repeated denial of my request to speak with a supervisor. Instead, I was met with incessant demands to restate my issue, followed by transfers to various departments, none of which were equipped to resolve my problem. This runaround is not only inefficient but also demonstrates a shocking lack of responsibility and accountability within your customer service team. 

The inability to execute such fundamental tasks without causing customer distress is alarming and raises serious concerns about the overall quality of your banking services.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
** XXXX XXXX ** EXPERIAN continues to infringe, commit identity theft ( never gave permission to divulge my personal information ) and avoid processing my matter as stated. 

On XX/XX/2023 sent in my SECOND set of documentation regarding block of information on my credit report. 
Today, XXXX XXXX - received an email from XXXX XXXX within the Consumer Affairs Department states I did not provide documentation. I am attaching the documentation to this complaint. Left a message for XXXX XXXX at approximately XXXX EST today and I have not heard back yet. 

I have now made a formal complaint to my StateXXXXNorth Carolina Attorney General 's office. 

My next course of action will be litigation!

Company response to consumer: In progress
Consumer complaint received 2023-12-12
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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 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

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 2024-01-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX unauthorized funds of XXXX dollars were taken out of my checking account. I notified Citibank of these transactions, resulting in me filling out two affidavits, and the results of them denying my funds back. I am in the process of flying an appeal.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I filed a complaint with CFBP against EXPERIAN : COMPLAINT ID # XXXX. On XX/XX/XXXX XXXX XXXX  I received from Experian a notice via email : they threatened me that they will lift and remove the freeze from my account that I requested during XX/XX/XXXX from the three credit reporting agencies who issued the freeze on my account. Exhibit A. 
First, Experian reduced my scores by XXXX points three times. Now Experian threatened me that they will lift and remove the freeze on my account : Strangely, Experian requested items from me regarding my personal information, otherwise they threatened to lift and remove the freeze from my account. But my personal information in the three credit reporting companies is accurate! There is no issue with my personal information! See Exhibit A. 
On XX/XX/XXXX XXXX XXXX I was deposed in a court case : XXXX XXXX XXXX # XXXX. During XXXXXXXX XXXX in the mixed of Covid 19, I received phone calls from representatives of three banks who notified me that my information was used to obtain an unlawful {$300000.00} loan under my name, and my information was found on XXXX. I told them that I never requested any loan, and I never obtained any loan in my entire life. I was advised by the three banks representatives : to call the credit reporting companies and immediately freeze your accounts. My account has been frozen since XX/XX/XXXXXXXX XXXX 
During XX/XX/XXXXXXXX XXXX I notified the Judge who presided over my case, Judge XXXX XXXX that my personal information in my XX/XX/XXXX deposition-transcript was used to obtain a fraudulent {$300000.00} loan under my name. I also filed Motion in front of the Judge that addressed this issue. 

IF EXPERIAN WILL CARRY OUT THEIR THREAT TO LIFT - REMOVING THE FREEZE ON MY ACCOUNT : EXPERIAN SHOULD BE 100 % RESPONSIBLE FOR ALL THE DAMAGES DUE TO LIFTING - REMOVING THE FREEZE ON MY ACCOUNT!

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 2023-10-08
Company: Experian Information Solutions Inc.
State: NY
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX  XXXX XXXXXXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX/XXXX  XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2024-01-29
Company: TekCollect Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I received notification of an medical bill that was in collections from XXXX XXXX XXXX XXXX, located in XXXX, Texas in the amount of {$1300.00} for my XXXX XXXX Once received, I immediately reached out to the account manangement and advised them to send me the overall history of the accounts that was sent to TEK COLLECT. I advised a young lady by the name of XXXX that this was extremely grueling to receive a collection notice from the hospital knowing that the XXXX was performed without my consent and that I would appreciate a call from management. 

I advised that I was aware of the No Surprise Care Act being that both of my pets were approved via my doctor. I also advised, that I was aware that the hospital is a XXXX and have a charity fund that assists patients. After no reponse, I sent an additional email stating that the last bill I received reflected XXXX balance however after requesting to speak with a doctor and no response, I had to go through archived files to see any balance. The letter states that the balance owed was done in error leading to the balance of {$310.00}. The next sentence states the balance was {$170.00} stating the payment did not go through. I advised that their facility will ot perform any service unless payment is available and they always charge XXXX percent over the cost for any service in case it costs more. 

After advising the hospital of this wronful act and the potential legal assistance, they reffered my account over to a collection agency on the XXXX of this month and TEK COLLECT immediately closed the account which violates the FCRA act. Under the FCRA act, the collection agency is obliged to contact you before reporting it to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX  AND XXXX XXXX XXXX AND EXPERIAN CREDIT BUREAU 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.

I HAVE CONTACTED EXPERIAN VIA CERTIFIED MAIL AND THRU TELEPHONE. I HAVE TOLD THGEM THAT THESE ACCOUNTS ARE FRADULENT AND THAT I ASSUME NO LIABILITY. I HAVE ALSO REQUESTED THESE ITEMS BE BLOCKED AND I HAVE REQUESTED THAT EXPERIAN DO NOT SHARE MY INFORMATION WITH THESE CREDITORS OR ALLOW THESE CREDITORS TO PUT INFORMATION ON MY EXPERIAN CREDIT FILE! EXPERIAN HAS BEEN ALLOWING THESE COMPANIES ACCESS TO MY CREDIT FILE AFTER I HAVE FILE SFTC IDENITY THEFT REPORT AND NOTIFIED THEM

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 2024-01-23
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I received a text message with a screenshot of my personal account bank statement from my business partner asking about my personal account funds and then I came to realized that my business partner had access to my personal account for almost over 8 months without any of my authorization. 
In XX/XX/XXXX when my business partner joined the business we went to the bank and gave him access to our business account, but somehow he was was able to switch user online into my personal account and had access to all my personal finances through his personal devices. This is unacceptable and a huge privacy problem and right now my business partnership is at risk due access to unauthorized information that my partner had access to. 
Institution : Truist Bank XXXX XXXX XXXX XXXX XXXX XXXX, FL, 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 2024-01-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit reports shows an account ending in XXXX from well fargos. Account is not mine. I called well Fargo and they looked up my account amusing my social security number. The lady, Marge, indicated there is no account under that social with well a Fargo. Which I knew I never opened an account with Wells Fargo. She states a customer advocate from well Fargo would call me. I believe wells Fargo opened this account without my knowdledge and later closed it and its still reporting on my credit reports. Well Fargo has a long history of opening up accounts without peoples knowledge

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 2024-02-02
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
The have changed APR AND FEES BECAUSE THEY ARE IN HOPES I DO NOT PAY MY CARD OFF IN TIME OF PROMOTION.

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 2023-11-29
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
American Express offers a " Pay Over Time '' function on my XXXXXXXX XXXX. It is advertised, on their website, that you only pay interest " on the amount you choose to pay over time. '' In reality, they are applying interest to the entire card balance, including new charges which have not required payment yet. 

Ex : I underpaid my statement balance last week by about {$2200.00}. Since the end of that statement period, I had another {$6500.00} of charges which were not yet due ; they are due to be paid by XX/XX/22. 

American Express is charging me interest not on the {$2200.00} I elected to pay over time, but on the entire {$8700.00} balance of the card. 

After multiple attempts to get this amended by AMEX, I don't have a choice but to submit the compaint here. I did look in my recent card member agreement, and it discloses that they charge interest in the way I described above. But, this is completely contrary to their marketing material and the way it was sold to me when I first enrolled. I have a screen shot of their website showing that interest will only be charged on amounts you choose not to pay on each statement. It also shows that my card is one of the card this arrangement applies to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26
Company: Atlanticus Services Corporation
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reaching out to this company dispute a fraudulent card in my the company used my personal information to update the account and reopen the account after fraud. This is engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and i did not agree upon this or ask them to reopening this account. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation