BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I sent in payment for my account to Aspire shortly after I received a letter stating that my account was closed. I did not request to close this account by writing or verbally. Aspire knowingly is committing securities fraud due to the fact that all statements are noticed and are already being paid in interest on my account as a set-off. this credit card company is double dipping and has already been paid from the security interest. Aspire is in violation of 15 USC 6803 USC 6805 and is in violation of the securities exchange act. they closed my account and are still trying to collect federal reserve notes from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: SC
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX Balance : {$2600.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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 2022-07-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying items recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$650.00} ; XXXX  Date of Inquiry XX/XX/2020 ; XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
As of today being XX/XX/2020, a collection account is showing up once more on my personal credit bureau again on Transunion that was just disputed and removed. The collection being XXXX XXXX and the orginal credit being XXXX XXXX XXXX. I have never personally borrowed anything from these two enitites which is why when is showed up over 60 days ago on my Transunion cedit bureau, it was disputed and removed immediately becuase i have never personally put my personal credit bureau up with these two entities.

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 2018-04-07
Company: Netspend Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My wallet was stolen on XX/XX/XXXX I immediately contacted the police to file a police report. Due to me loosing my card the crook already used card first unauthorized transaction at XXXX for {$190.00} and {$290.00}. I contacted Netspend to dispute charges. They said the charge to card was pending to call back next day. So I called back the next day on XX/XX/XXXX then they started transaction dispute. They didn't give provisional credit like they say the would. Told me I have to wait after investigation completed and it will be completed on XX/XX/XXXX .. Then XX/XX/XXXX came they closed it without getting my money back. I sent them everything including video of the crook from the store picking up wallet. Police report and all I talked with merchant from XXXX he said no one from Netspend contacted them about this issue. After hearing the closed my case with no finding I contacted Netspend and ask for supervisor got denied to talk to supervisor. I asked could I speak to someone who works with dispute and a customer service representative said it's no one you could speak to. Then searched online for a corporate number it was disconnected no number to reach out to. Another XXXX XXXX XXXX sent a email saying my Money of {$280.00} was deposited back on XX/XX/XXXX have yet to receive that money back as well.

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 2023-10-17
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX bankruptcy in accordance with the Fair Credit Reporting act 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 XXXX XXXX bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX and on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX with out my permission or consent added one hard inquiry each for a total of two hard inquires to my consumer credit report with TransUnion Credit Bureau. This was in direct violation of 15 U.S.C. 1681 section 602 A. my right to privacy, 15 U.S.C. 1681 Section 604 A Section 2 : stating a consumer reporting agency can not furnish a account without my written instructions, and 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 2020-08-04
Company: Square Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I had {$600.00}, {$600.00}, {$230.00} of my unemployment go to my cashapp account and they never made available to me. On XX/XX/XXXX another {$690.00} was sent to same account and a week later nothing to this day have been sent back to unemployment or made available to me. I logged into unemployment changed my direct deposit but my back money of {$3000.00} was sent to cashapp account giving a total of {$5100.00} and still saying they dont or dont see however I received plenty of payments from unemployment to this account so the account numbers was correct so I closed account and been asking them to sent back to unemployment so they can reissue them to my new account at XXXX bank and they refuse to as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have received several emails from the U.S. Department of Education urging me to both contact my student loan servicer ( EdFinancial ) and apply for the SAVE plan. I'd like to accomplish both of these things, but unfortunately, EdFinancial seems to have no record of me so I can not create an account. I have attempted to contact customer service multiple times through various means, but I am either summarily disconnected before being able to speak to a human being that can help me or subjected to obscene wait times. It is not lost on me that interest is now accruing and capitalizing WHILE I AM UNABLE TO TALK TO ANYONE AND THEY DON'T SEEM TO HAVE RECORD OF MY EXISTENCE is not lost on me. This is a textbook UDAAP violation and the fact that the federal government is currently operating via the third parties it contracts with in violation of its own laws is also not lost on me. I have very low expectations for a resolution at this point ( I've been abused by this system for over ten years now ), but this is my first time documenting a complaint. Perhaps if enough of us do this, someone will treat this like the crisis it is.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: MI
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 am rejecting this response because : this account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
There are many mistakes appear in my report without my understanding.

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 2018-11-07
Company: Experian Information Solutions Inc.
State: MA
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:
There are many mistakes appear in my report without my understanding.

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 2023-10-19
Company: ENOVA INTERNATIONAL, INC.
State: PA
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:
Applied for a line of credit with Headway Capital late XXXX, provided bank records they needed. Once we were approved for a XXXX loan they called to make the transaction over the phone. Terms we discusssed on the recording were different that what was online when we repaid within 30 days. They agreed to waive the 2 % draw fee. Have asked the President XXXX XXXX who ran the call and provided the loan to provide the voice recording on the day where we discussed the terms. That was 3 weeks ago and they have still not resolved the difference in fees than what was presented on the call vs. the contract online. I'm tired of hearing someone will reach out to you when no one does. If you are considering a loan with them, get everything in writing or the voice recording before you are pressured to sign over the phone. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying items recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX  Date of Inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4400.00}

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 non-monetary relief
Consumer complaint received 2021-10-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This complaint is regarding Synchrony Bank dba Carecredit. I received a line of credit for {$1000.00} for a pet care emergency on or about XX/XX/XXXX. As of XX/XX/XXXX- my credit score has improved, my savings has gone from {$0.00} to {$45000.00} and we were recently approved for a $ XXXX loan. XX/XX/XXXX, out of the blue, Synchrony Bank sent me a notice that my credit card was being terminated due to poor credit history, etc. That makes no sense when my income, credit score and savings are superior to what they were when I received the emergency card. The credit balance was paid off before the end of XXXX. When I spoke with Synchrony, they said the denial wasn't specifically from Carecredit, it was from Synchrony Bank deciding XX/XX/XXXX that I am no longer credit worthy, even though they were paid timely. Compared to the other lenders and creditors I have, Synchrony Bank claiming that I have credit too poor to even keep the credit card that they already issued seems suspicious. I am also concerned that this may negatively impact my credit at a time when we've been improving in order to purchase a home.

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 2021-03-31
Company: NETWORK CAPITAL FUNDING CORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My mom and I received credit monitoring alerts that an inquiries were made on XX/XX/2021 by XXXX ( https : XXXX  ). I contacted Network Capital to investigate why and how they did this. I discovered that my father contacted Network Capital and lied, saying he was helping his ex-wife ( my mom ) and daughter ( me ) to get a refinance done. He provided Network Capital our personal information and they made inquiries without attempting to contact either of us to get permission. We asked Network Capital multiple times remove the inquiries on our credit reports because they was performed without permission and inquiries can reduce credit score. Network Capital refused to help, and made excuses that it's okay for my father to give permission to run our reports ( which is basically saying it is permissible for an ex-husband and father to give consent in financial situations for an ex-wife and adult daughter ). In their greed, Network Capital didn't bother getting my permission to make an inquiry. Shame on them. Don't work with this dishonest, biased company.

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 2023-01-07
Company: EQUIFAX, INC.
State: MD
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is the second incident with Wells Fargo Bank , N.A . 

My recent statement reflects a billing cycle of XX/XX/XXXX to XX/XX/XXXX, however the due date is the XXXX of each month. As such my last payment of {$350.00} was due on XX/XX/XXXX and the next payment of {$350.00} is due on XX/XX/XXXX. 

Transactions on the most recent statement reflect the payments listed below. 
XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$300.00} Additionally, a late charge of {$40.00} was billed on XX/XX/XXXX. 

Today, on XX/XX/XXXX, I called to request that the late fee be removed because the payments on XX/XX/XXXX and XX/XX/XXXX satisfied the monthly payment and it was made prior to the XX/XX/XXXX due date. The fact that the billing statement is capturing a payment made before the billing cycle supposedly begins clearly shows that the payment should count. The representative advised that she was unable to waive the late fee because this was the second occurrence and payments have to be made within the billing cycle. 

I also advised that the XX/XX/XXXX payment is supposed to apply to the upcoming payment due on XX/XX/XXXX. 

Most credit card companies close the billing cycle approximately 3 days after the payment due date. However, Wells Fargo 's extended billing cycle treats payments made after the due date but within the billing cycle as an additional payment that does not count towards the next due date. This results in illegitimate late fees. 

I called Wells Fargo a second time today and the representative was able to waive the late fee under a payment posting error ; he still told me to change my payments to after the billing cycle closes.

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 2022-07-27
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:
When I reviewed a copy of my updated credit report, I discovered that some of the accounts are 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 correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation