BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello my name is XXXX XXXX I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a VICTIM of identity theft!!! Please delete these items as soon as possible!

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 2023-09-05
Company: Sezzle Inc.
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Was advertised that it would be {$7.00} to open a Sezzle Spend Anywhere account. Meaning for {$7.00} a month, I could use Sezzle anywhere XXXX XXXX is accepted. I tried using it for an online merchant that accepts XXXX XXXX, and Sezzle declined it 2X. I asked customer support why this happened, and they did not give me an answer at all. 
It turns out, I was actually charged {$7.00} for the service, so an extra XXXX cents that was not advertised. Not only can you not Spend Anywhere, but they also falsely advertise that is was a {$7.00} subscription.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX ( XXXX ) Account # XXXX ( XXXX XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer. 15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number. 15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt. -any state territory possession of the United States , the district of Columbia , the Commonwealth of Puerto Rico or any political subdivision of any of the foregoing. 15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt. 15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 15 U.S.C 1692 d ( 2 ) the use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader.

Creditor updated account with Experian as Collections. Creditor advised they would send request to credit bureaus to have item removed from credit report but flagged account as Collection.

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 2023-07-28
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:
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 XXXX, EQUIFAX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file : XXXX XXXX Balance : {$1000.00} XXXX XXXX, XXXX. XXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is for claim # XXXX Back in XX/XX/XXXX to about sometime in XX/XX/XXXX I had fraudulent transactions occurring on my account in the amount of about {$2200.00}. During XX/XX/XXXX to XX/XX/XXXX I was incarcerated in jail for unpaid traffic tickets. I couldn't possibly have made those transactions as I was in jail. I immediately contacted Bank of America about the fraud as soon as I was released and I became aware of the fraud. After I opened the claim I uploaded documation proving that I was incarcerated during the time of the disputed transactions proving that I couldn't have possibly made the transactions as I was in jail. Then sometime in XX/XX/XXXX the claim was denied and my prepaid account was closed. Then sometime in XX/XX/XXXX the claim was reopened by Bank of America. It has been now almost 3 years and the bank says that the claim is still under review. I call in at least a few times a month with no updates other then it's still processing. Then sometime in XXXX the bank sent me a check for {$950.00} ft or compensation for not allowing me to access the funds in question. I don't understand why the bank would even compensate me for this if they weren't going to approve the claim. I called and asked the bank why they did this and they said that was separate then the claim. But if the bank wasn't going to approve it then why would they even compensate me at all. It doesn't make sense. I have also requested all of my banking statements for my account as well as all documents pertaining to the claim. The bank is yet to provide me with any of this. Please I really need the money that was stolen from me back and I really could use it right about now to avoid becoming homeless.

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 2023-09-05
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
ON OR ABOUT THE DATE OF XXXX XXXX XXXX XXXX WHO REPRESENTS WORLD FINANCE CONTACTED MY EMPLOYER AND RELATIVE AND DISCLOSED MY PERSONAL INFORMATION WITH BOTH PARTIES STATING SHE WAS CALLING FROM WORLD FINANCE AND I HAD A PERSONAL LOAN WITH THEM AND SHE NEEDS TO SPEAK WITH ME. WHEN THE LINE WAS TRANSFERRED TO MY DESK I STATED, 'THIS IS XXXX XXXX XXXX XXXX THEN STATED, 'OH THAT MUST BE YOUR OTHER NAME '' I THEN HELD THE PHONE BECAUSE I CAN NOT TAKE PERSONAL CALLS AT WORK AND COULDNT TALK BECAUSE MY COWORKERS DESK IS LESS THAN TWO FEET AWAY FROM MINE. AND SHE THEN PROCEEDED TO SAY " HELLO, HELLO, OH DONT WORRY I'LL KEEP CALLING ''. I THEN HUNG UP THE PHONE AND LATER CALLED XXXX XXXX AND STATED HOW UNPROFESSIONAL SHE HANDLED THE SITUATION AND WHY DID SHE DISCLOSE NOT ONLY TO MY SISTER BUT MY EMPLOYER MY PERSONAL BUSINESS AND HER RESPONSE WAS " WELL SHE ASKED ". SHE DIDNT KNOW MY SISTER WAS ON BREAK WITH ME AND MY SISTER STATED EXACTLY WHAT SHE TOLD HER WHEN SHE CALLED AND XXXX THEN WENT SILENT ON THE CALL. I THEN FILED A COMPLAINT WITH THE CORPORATE OFFICE AND THEY STATED THEY WOULD GIVE ME CALL BUT I HAVE YET TO HEAR ANYTHING FROM THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: PA
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 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 2020-03-31
Company: Experian Information Solutions Inc.
State: AR
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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money monthly. They have the wrong information. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from 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 explanation
Consumer complaint received 2022-08-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My husband and I had a loan through Nissan Finance that does not show up on my XXXX or XXXX credit reports. It only shows up on my XXXX XXXX report. It was paid off completely XX/XX/2018 account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was 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. 

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2022-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, I received an XXXX  XXXX XXXX Bank of America credit card. I never applied for this card and immediately called Bank of America ( BofA ) to alert them to the fraudulent activity. As of yet, the hard inquiry associated with this card is not removed from my credit and there is a {$75.00} balance due for the card 's annual fee. This is not yet removed because BofA states they are still investigating the fraud claim. The balance is due XX/XX/XXXX. While normally, I would believe BofA would resolve this issue promptly, I have reason to worry otherwise. 

This is the second fraudulent card to our household ( same type ) with the first being in XX/XX/XXXX ( to my husband ). This was reported upon receipt of a welcome email and no card was issued, but even after 5 months, the hard inquiry is not removed from our credit. We have two letters from BofA saying that they do not believe it was fraud and will not be removing it ( dated XXXX and XX/XX/XXXX ). This is despite a XX/XX/XXXX resolution letter to a CFPB complaint on the matter ( XXXX ) and a XX/XX/XXXX letter stating it would be removed. We are past the 90 days the response stated it would take and when we spoke to XXXX on XX/XX/XXXX, they stated they have no record of the removal request and I need a letter from BofA stating that it is OK for XXXX to remove it. We finally spoke with someone at BofA on XX/XX/XXXX who said BofA has to request it and they do not know why it was not processed promptly, but would submit it to XXXX as well as sending us a copy. As of today ( XX/XX/XXXX ), we still have not received that letter. 

As of today, we are told the account is closed. We were also told that we would not be responsible for the {$75.00} charge. However, we have not received any documentation, yet that BofA agrees this account is fraudulent ( although today we were assured we would receive a letter soon ). Given our previous experience with BofA and ~100 hours of contradictory phone calls to multiple departments where no one department wants to take responsibility for processing these claims, we are concerned that this may happen again with this case.

Over the past two weeks, we have tried several times to contact the Regulatory Complaints Resolution Specialist from the CFPB complaint response ( XXXX XXXX, XXXX XXXX ) and the Executive Response Team number we received ( XXXX at XXXX XXXX ). Neither of those response numbers have returned our calls in the past 3 weeks. 

It is frustrating to have a company issue two fraudulent cards to the same last name and same address ( same card type too! ) and then make it a many-hours exercise to try to get any resolution.

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 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I was scammed out of {$1700.00}. The bank denied my claim saying I had previous transaction with the merchant and transaction after the scam. When I called about this issue they realize that I didnt have transactions with this merchant but they still took out the XXXX out of my account now my account is overdrawn and theyre saying I have to re-open a claim. In the meantime, my account is overdrawn XXXX because of the little bit of money I had in the 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 monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX  ; XXXX XXXX XXXXL XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$XXXX} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$XXXX} ; XXXX XXXX Balance : {$XXXX} ; XXXXXXXX  XXXX Balance : {$XXXX} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
I am writing in regards to an issue with my Kohls credit card. It is a joint account with my husband XXXX XXXX In XX/XX/2022, I made what I believed was a full balance payment to my Kohls card. A {$21.00} charge that was posted to the account the day before my payment was not included in the balance at that time, but I believed it was. I was charged a late fee on the XXXX statement in error, as I made a XXXX payment that was greater than the minimum due. Another late fee was charged in XXXX. I was unaware of this because I am enrolled in paperless statements. I was not contacted by Kohls even though they have my correct home address, email address and mobile phone number. I only found out about the issue because XXXX XXXX sent me a message that my XXXX score had been effected. Although I am enrolled in paperless, I never recieved communication from them that my statement was available. Additionally, they offer paperless statements, but do not offer automatic payments, which prevented this situation. 

Since I was made aware, I have tried to contact Kohls on multiple occassions. I have twice waited through long holds times, only to be disconnected when I was finallly transferred to an agent. I have spoken to chat agents. On the first occassion, I was told that if I paid the {$21.00} transation, the fees would be adjusted, so I paid that amount. I contacted chat after that and was told they could not help me because my account was delinquent. 

Today we were working with a loan officer because we are looking to purchase a new home. I found out that this one issue, that stemmed from a {$21.00} transaction, has dropped out credit score by XXXX points. We both previously had XXXX XXXX XXXX credit scores and they are now in the below XXXX. This will make it very hard to get a mortgage. I am beyond devestated to be missing out on this opportunity beause of Kohls predatory practices. 

The fees associated with this issue have now accumulated to over {$140.00} since XXXX. Please keep in mind, the {$21.00} transaction was paid, per their instructions, and nothing was done to correct the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31
Company: LCO Financial Services, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied and received a loan from blue trust loans. Blue Trust Loans is an installment payday loan company that offers loans of up to {$2000.00} cash that are repaid over a six-month period. It is owned and operated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a federally-recognized sovereign government American XXXX XXXX. 

I want to report them for having predatory lending. I have been paying XXXX every month for payback since XX/XX/XXXX on a XXXX loan and only XXXX has decreased from the XXXX original balance. I just paid XXXX yesterday am being charged XXXX per day on interest alone on an XXXX loan. Today I called and asked to pay off loan. I have been paying XXXX since XX/XX/XXXX yet tomorrow in order to pay off my loan I have to pay XXXX ON AN XXXX LOAN. 

Please advise if this is not the right agency to handle this. 

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 2023-11-08
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 strongly desire not to have this on my credit report. It is not belong to me. It 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 2023-07-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation