BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
The company never provided any statements or information about my loan and I had no idea what was going on. I was never provided statements once I went into repayment in XXXX. I had no idea I was even in repayment or had a payment due. 

XXXX XXXX requires them to provide me statements and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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:
I disputed XXXX XXXX XXXX on all 3 credit bureaus. XXXX and XXXX removed it from my report but Experian left it on

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 2023-11-06
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There was XXXX different charges within a week days on my Best Buy Credit Card. I had lost a previous card so I requested a new one. I never received it and was told I'd have to wait for the card to get to me and activate. Within the time that I waited for them to figure out where my card ended up it somehow was charged multiple times. I didn't even know I could use the card elsewhere until I realized it was used at these places when i went to make my monthly payment : XX/XX/2022 XXXX XXXX {$180.00} XX/XX/2022 XXXX XXXX {$50.00} XX/XX/2022 XXXX Inn- {$50.00} XX/XX/2022 XXXX {$96.00} XX/XX/2022 XXXX {$30.00} These are the biggest purchases made on it. I don't understand how someone else received my card and was able to " activate '' it without having my information I had never used a credit card in my life outside of the store it is meant for and have never been to the specific locations the card was used at I sent bank statements to Best Buy showing my spending habits which they asked for. They sent a letter a month late staying there was not enough evidence to prove I wasn't the one who made the purchases. To this day I never received the replacement card they supposedly sent to me. I have a television under a promotional balance that is about to expire because I couldn't pay it fast enough since those charges were made it is accruing interest and it takes up more than my monthly payment. The really high differed interest is going to hit on XXXX and will only create a higher bill for me which we can not afford.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
miss used of my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
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 account number XXXX, XXXX XXXX account number XXXX, XXXX account XXXX, XXXX XXXXr account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C.1681 section 604A section 2 also 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 non-monetary relief
Consumer complaint received 2023-11-02
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had this Community AAA Visa card for over a year and still can't register an online account to keep track and use features of my account. The problem is on their end. I provided the requested information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: WELLS FARGO & COMPANY
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX I went to Wells Fargo to do a wire transfer of {$36000.00} to my XXXX XXXX XXXX account. The wire transfer was completed and 5 minutes later I after I left I got a call saying that I needed to come back because the rep forgot to include my account number the money was going to. I came back and they amended the transfer. Monday comes around and the money is still nowhere to be found and not in my XXXX XXXX XXXX account. I call Wells Fargo Monday XX/XX/XXXX and they say the money was sent. XX/XX/XXXX I check my account and there is still no money. So I call XXXX XXXX to see if they can see the incoming wire transfer, they see it and tell me that the account number was missing, routing number in the wrong spot, no beneficiary except the banks name so they rejected it and sent it back to Wells Fargo. Wells Fargo calls and tells me there is an error and that I need to come back in to redo the wire. So I come back in only for them to tell me we cant redo the wire until the money is put back in my account. They call in to escalate and they are told it wont be in my account before Friday but roughly gave me no time frame. I leave angrily and go to another branch to get confirmation and they did their best to help but ultimately I still left with little to no answers other than just to wait. So my money is currently sitting in limbo with Wells Fargo even though I got confirmation that the wire was sent back. All of this mind you while I have to make a large payment in the account my money was going to.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 non-monetary relief
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXXXXXX 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.

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 2018-03-20
Company: Credit Central Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This company made attempts to speak to my supervisor AND asked for the physical location of my office. Neither of which are reasonable requests in an attempt to collect a debt. These are attempts to embarrass and harrass an individual and should not be legally allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: GA
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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Most recently there area number of individuals whom have been deployed around me with the support of hacker informants and persons whom are attached to my identity within the last 3 addresses I have resided at. These individuals are illegally intercepting my community communications mainly from XXXX XXXX XXXX XXXX and XXXX XXXX College in conjunction with a Congressional member supervision. These individuals are preventing me from using my credit cards at Amazon.com to budget and provide someone with a similarly and identical life here where I live just in the XXXX XXXX. These individuals are being controlled by a number of law enforcement individuals and persons training and snitching for law enforcement that have illegal access to my XXXX alarm and my apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted Numerous request to TransUnion and requested the removal of unauthorized inquiries on my credit profile. TransUnion responded and only directed me to the meaning of inquiries. However, i have further stated before in a separate request to TransUnion that i did not authorize these inquiries. 

I am requested the removal of such inquiries that were not initiated by me. 

I HAVE ATTACHED THE PROOF FROM ONE OF THE BANKS STATING THAT THE INQUIRY SHOUDL BE DELETED AND THAT WAS WELL OVER THREE MONTHS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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 witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXXXXXX 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.

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 2022-10-08
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$7900.00} XXXX Balance {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a Debt with XXXX XXXX XXXX for {$560.00} I never had a contract with this company also XXXX XXXX for {$410.00} this is not my debt I never had a contract with. According to Sec 609 ( a ) ( A ) ( 1 ) of the Federal Trade Commission, I requested for them to show me proof that I did infact make a contract with them and owe these debts and they have not provided the following information and can not because it is not my debt with 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 non-monetary relief
Consumer complaint received 2021-03-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
From XXXX XXXX, i got a credit alert regarding the recent charge on XXXX XXXX credit card. ( XXXX  works with experian ). i do not any XXXX credit card in US until now. 
i call XXXX for 3 times, they even do not have any of my data via SSN or name or DOB. 
i ask around my family member. they even do not have any credit card authorized to me until now. this is the reason i filed.

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 2023-04-22
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Around XX/XX/2018 loan was delinquent since then this company has been reporting late payments every month which is illegal after 180 account should be closed payment history has multiple innacuracies i disputed the innacuracies with credit bureaus and the came to the conclusion that it was " verified '' how can I go from 120 days late to 30 days late that is innacurate reporting On a account that is in collections i contacted the company on fixing the issue and they refuse to take responsibility and update this account I am asking that this account be removed from my credit report as it is being reported illegally and failing to verify the accuracy and is negatively affecting my credit and my life I am trying this last resort before seeking legal action. 

Below I have attached copies of how it is being reported to the credit bureaus 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 2023-07-27
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have sent multiple letters to XXXX, Transunion and XXXX to correct the disputed items

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 2023-11-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is 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 2023-12-07
Company: EQUIFAX, INC.
State: CA
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2023 at XXXXXXXX XXXX I attempted to obtain 3 credit reports. The only one I could get was XXXX. Both Equifax & XXXX said unable to give report ( s ). No explanation was given. In addition, the XXXX report was only available by using my prior address as my current address ; it would not accept current address of just under 1 year. This is not the first time I've had a problem obtaining the " free credit reports. '' There is always a problem of one kind or another in the past 10 years I have been using the service and I've just given up after the first time contacting XXXX by phone and ending up in a lengthy conversation with a representative unable to fix the problem or give an explanation of why the site was not reporting the proper information. I appreciate the " service '' but it's not a service if it doesn't work or is not available. Good PR though. I'd appreciate follow-up on this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The reporting agencies known as XXXX, Equifax, and XXXX continue to report inaccurate information about my credit account known as XXXX XXXX XXXX XXXX. The account is being reported as charged off and with several late payments. I have sent several letters and proof to the reporting agencies and have not gotten them to update the account or remove it. Under the Privacy Act of 1974 I the federally protected consumer have the right to opt out of any of my non public information from being reported without my consent. Additionally the reporting agencies are required to send me opt out notices every thirty days, I have not received any notices. The reporting agencies are not reporting the same information for this account, which is also a violation of the Fair Credit Reporting Act which states they must maintain 100 % accurate information. This account is not charged off it has been discharged as agreed upon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX  Balance {$84.00} XXXX XXXX XXXX XXXX Balance-

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