BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XX/XX/XXXX I filed my XXXX tax return with XXXX online who recommended that I open a money spend account with a company called Credit Karma both owned by into it. Against my better judgment I open the account because I was attempting to receive the refund advance loan which conveniently somehow did not go through but thats not the problem. The account was opened with XXXX in my name and my taxes were filed with my name as well as opening the account with Credit Karma and the linked account to Credit Karma my other personal checking account its also in my name all the same time all the same data birth all the same Social Security number address phone number etc. I received an email in the beginning of XX/XX/XXXX stating that my account was frozen they were sorry for the inconvenience and they would let me know what to do next. However their so-called fraud department only communicate via email not live chat not on the phone etc. I have talked to multiple people through their lab chat and called several times and talk to supervisors trying to get the situation handled. They requested copies of my identification which I sent and since then for the past two weeks I have got absolutely nothing but the exact same generic auto generated message that I sent to my email every time I try to contact him. In fact the last live chat agent that I tried to talk to you about this issue actually just ended the chat rather than trying to even answer my question or help me in any kind of way. Since all of this has gone down my tax refund has been deposited into this account and that money is sitting there that I need for me and my kids and they absolutely refuse to tell me anything about whats going on or why or what I can do to try to help it even though I have asked and requested any help and offered anything that I could possibly give to no avail. I have also file a complaint with the XXXX XXXX XXXX  online and I have not heard anything back from there. Im just really not sure what else to do at this point so if you can help that would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: CITIBANK, N.A.
State: GA
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:
On XX/XX/XXXX  someone used my credit card information to charge my Citi Bank Visa Costco card {$3000.00} and we contacted the credit card company and they are not resolving this issue and it is almost like they are frauding us as well. I got the credit card users info from the credit card company and called the police and reported it as fraud, we froze our credit, and I am reporting to you, I also contacted XXXX to help us resolve this issue with the card company and they are ignoring that as well. This is extremely frustrating and wrong what the person and the company are doing.In the beginning we were told by the credit card company that they made a balance trasfer, then I was told tonight they deposited {$2500.00} into their bank account. The party lives in another state than myself. I got a bill today with a balance of {$3000.00} that we did not charge or transfer and nothing is being done. I reported it to the police and they were asking for information on the incident for their investigation and the company told me they have to request it by mail. I have never heard of that. They just gave me the info over the phone but, they can't email it for investigation purposes. I feel like I am being frauded by the company as well. Such a mess. We also closed the account with the credit card 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 monetary relief
Consumer complaint received 2022-02-18
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
First and foremost, Chase has been charging me a predatory interest rate of 24 % which is predatory. Am attaching a copy of my credit score. There is absolutely no basis for this rate which is usury. 
Second, I have been charged on interest by Chase where there was no basis for it. 
I was charged XXXX of interest in the XXXX  month of 2022. There were XXXX charges that were part of this calculus that were refunded and not authorized by me. First for XXXX XXXX XXXX  XXXX XXXX XXXX for XXXX and the other is XXXX XXXX for XXXX. Hence Chase 's basis for interest calculation is fraudulent. The basis for the interest assessment is XXXX at most not XXXX I want this recalculated and will now need to research all statements to identify other possible examples of interest rate assesment that is not legal. 
So I want the interest charge refunded and an explanation for the usury esque interest rate when my credit score is XXXX. After i receive a response, i will determine if i wish to keep this card or not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28
Company: Genesis FS Card Services, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Genesis Financial d/b/a Genesis FS Card services has failed to properly apply the proper payment to the account. I XXXX ; XXXX XXXX, has sent an endorsed instrument to the payment center as well as the CFO with instructions on how to apply to the account. Genesis FS Card Services has failed to send any notice of dishonor as required by U.C.C. 3 - 503. 12 CFR 411 states that Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. Genesis FS Card Services is engaged in unauthorized use [ means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. ] of my credit card [ defined as any card, plate, or other single credit device that may be used from time to time to obtain credit. 12 CFR 1026.2 ( a ) ( 15 ) ( i ) ] as they are receiving access to my credit but requiring me to go beyond endorsing my instrument which benefits me none. I am aware that 18 usc 8 means all debt is the obligation of the US and Genesis FS Card Services is fraudulently demanding payment and threatening to close my account which counts as adverse action. Full penalty will be pursued for failure to comply with truth in lending act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-01
Company: WELLS FARGO & COMPANY
State: CT
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 Wells Fargo Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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

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 2022-03-28
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:
There is a XXXX account on my credit report, showing on my Experian, XXXX and XXXX. The amount is {$170.00}. I have no knowledge of this account. This was fraud. 

I contacted XXXX and they were able to do investigation and find out that the account was indeed fraud. They emailed me a letter and states the account was fraud and not mine. 

XXXX said they will reach out to credit bureau to remove this incorrect information but it is still reporting on my credit report. 

I am attaching the letter I received.

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 2023-01-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax and XXXX 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called Citibank and Wayfair once I saw the late payment notification on XXXX. Both companies confirmed on a recorded line that I paid off all debts.

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 2023-12-13
Company: EQUIFAX, INC.
State: PA
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 two fraudulent XXXX XXXX credit accounts where created and disclosed to consumers reporting agencies. I called XXXX XXXX who was unwilling to assist with the matter. I also requested the reporting agencies remove these accounts from my consumer reports as well as inaccurate information regarding employment and residence. The consumer reporting agencies also were unwilling to remove the fraudulent claims. According to 15usc 6801 failure to report accurate and correct information. And also disclosure of false personal data and false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 extended my credit to capital in which was accepted, however was no benefit to me which is unauthorized use. My account was closed due for no reason due to first party fraud. This is an extension of my own credit, as the creditor I am invoking my specified remedy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Caliber Home Loans, Inc.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This SCAM XXXX XXXX was suppose to be doing a no down VA loan. Then he tries to scam me out {$90000.00}. He logged into my bank and made false and misleading statements. He also did not want to do the loan because my realter is XXXX XXXX. This XXXX XXXX is a low life SCUM bag that is XXXX. He should have his license terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted several request for Equifax, XXXX and XXXX to investigate a few things that are reporting on my credit report that I believe are inaccurate. My request for them to investigate was on XXXX and then again on XXXX. They have failed to respond to any of my request. After my research online, I was under the impression that they are required to respond to any request to investigate from a consumer based on the FCRA rules. I have waited way past the 30 day rule and even sent a 2nd request asking about my first request and still no response. I pay a credit monitoring system every month so that I can view my credit report to see if they are at least updating or acknowledging my request and unfortunately every month I am disappointed to see that nothing has been updated or removed. They are showing last active dates updating but no responses as to how or what they did to verify or update the account. We are now going into XXXX and I am frustrated with this as my credit is suffering because of these inaccuracies reporting on my report. I am sending now my 3rd set of letters in hopes that they will finally respond and help me with a solution of my request. After further research, I found this site and am hoping to get a response and now a resolution since they have failed to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ability recovery services has reported an inaccurate debt collection account to my consumer report and while i have already tried disputing with the credit bureaus that they are listed on, ( XXXX, XXXX verified as accurate ) i have further researched about this company to make sure that they are in compliance with the fcra, national, and state laws reporting this account to my consumer report and found that Ability Recovery Services is UNLICENSED as a collection agency in the State of Florida. Per The FCCPA, it requires all debt collectors to be registered with the State of Florida. XXXX XXXXe XXXX  stateXXXX XXXX of consumer collection agencies required ; exemptions. ( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. ( 2 ) Each consumer collection agency doing business in this state shall register with the office and renew such XXXX  annually as set forth in s. XXXX Referenced from XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXXXXXX I am a resident of Florida and currently my rights are being XXXX. I have attached my drivers license and utility bill as proof of residency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Avant Credit Corporation
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:
On XX/XX/2020 I sent written communication to Avant dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received NO written communication from Avant. they did NOT meet the requirements of FCRA 623/FACTA 312. I made  a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Avant communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Avant to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. Avant provided none of the above. Avant continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Avant has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, on XX/XX/2020 I sent a second written communication to Avant dated XX/XX/2020, requesting the same information with same results of NO written response. The above illegalities were committed via USPS mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting 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:
Unauthorized inquiry on XX/XX/2024 from XXXX XXXX mortgage 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 explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: TX
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:
For about 6 months, I havent had access to my equifax report. I tried to log in on their site, and it said that it was an NH error code. I called them, they told me their system was down. I called again, and we found out that my account was locked. We worked to unlock it, then I attempt to log in and it says that they were temporarily unable to perform that. I also tried to access it from annual credit report, and its blocked from there too. Its also blocked on my credit monitoring account.

Company response to consumer: Closed with explanation