BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: NY
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 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 2021-09-22
Company: BAM Management US Holdings Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been using Binance.US to trade cryptocurrency. For about 6 months or more, now that trying to withdraw USD, the app all of a sudden can't connect to my bank in any way. I have emailed them 5 times about it over this year, and have gotten no response at all. 

I want the money I am owed. They're just keeping it and not responding to the tickets that are being sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Comenity Bank arranges deferred interest accounts on purchases and presents them as interest free if you pay off before the end of the promotion period. I used this to purchase my XXXX  XXXX on XX/XX/XXXX. This was a 12 month offer. As you can see from the statement I was down to a {$8.00} balance on the XXXX statement. For some reason which I can not remember now I did not make the XX/XX/XXXX payment. When I received my next statement I noticed the payment was not made and the balance had increased to {$17.00}. The statement said on the third line of the statement and at the bottom on the return stub the payment was due on XX/XX/XXXX. This is the usual place consumers look for due dates. 

Comenity Bank does 2 things which is deceptive to the consumer. The end of the promotion is before the due date on the statement. As you can see on this statement the promotion period ended 12 months from date of purchase so you do get 12 months of free interest. But most consumers will look at the date the payment is due as that is the more normal and expected way we do credit cards. This is a trap set up by Comenity and they don't care. I talked to several people and all they would say is '' the charge is legitimate '' I told them I would make a complaint and that did not bother them at all. I even paid the balance shown on the statement {$17.00} that says payment due by XX/XX/XXXX on XX/XX/XXXX and they still would not change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have a fraudulent Bankruptcy account on my credit report that I did not authorize and Trasunion are violating my consumer rights according to the Fair Credit Reporting Act. 15 U.S.Code 1681 ( 1 ) ( 2 ) - CRA 's need written instruction to make a consumer report by the consumer. It is a fact that I the " consumer '' never gave the credit reporting agency any written permission to furnish a consumer report. Without my written consent the consumer reporting agency is committing fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition identity theft is being committed. 15 U.S.Code 1681-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I the " consumer '' disputed the fraudulent accounts on my credit report and I have made it clear that this information is is inaccurate.The credit reporting agency proceeds to furnish this information without any lawful authority and is violating my consumer rights granted by the constitution. I also contact the U.S Court and they informed me they did not furnish this information to Transunion. If my issue is not resolved I will seek remedy and will move forward in the court of law.

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 2023-10-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent all three credit bureaus my police report, my ftc report and letters provided by the creditors that the accounts was never paid late and they dont belong to me : I havent heard from the credit bureaus ; on XX/XX/XXXX I submitted my information : XXXX XX/XX/XXXX; XXXX I submitted my information :, on XX/XX/XXXX ; XXXX I submitted documents : XX/XX/XXXX and XX/XX/XXXX I submitted documents. No results the items remain the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
We filled a previous claim with the CFPB in regards to Bank of America not standing behind and following Regulation E outlined by the CFPB. Our initial claim was filed on XX/XX/2021, Claim # XXXX. 
Bank of America continues to avoid looking at this claim as anything other than just reaching out to the fraudulent bank rather than addressing their obligation to consumers that are suppose to be protected by Regulation E of the Consumer Financial Protection Bureau. Equally disappointing is the lack of inquiry from CFPB itself. 
CFPB was created to protect consumers and neither Bank of America or CFPB are standing behind these protections. 
At a time in this country where some banks are standing behind their fraud protections for customers, Bank of America continues to disappoint us with their lack of response and concern to consumers. 
We have not heard from Bank of America in weeks and it is unacceptable.

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 2021-05-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Bureau has failed to respond in a timely manner to my dispute letter. I have sent letters 3 times. No result. 

1. The wrong amount is being reported XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2023-07-14
Company: Resurgent Capital Services L.P.
State: IL
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 see on my credit report a derogatory entry that doesn't belong to Me, nor am I responsible for, nor have I received any money or goods from the creation of this unknown account. The date the account was opened was XX/XX/2020 and the fraudulent amount that I am not responsible for is {$740.00}. I haven't talked to the company however I have filed a police report and a identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: ALLY FINANCIAL INC.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Merchant : XXXX ( XXXX ) XXXX Representative XXXX XX/XX/2023 XXXX about ally/Ollo credit card transaction Cancel Confirmation XXXX XXXX Cancel Confirmation XXXX XXXX I called the merchant to asking them to cancel this transaction as they were fraudulent which they agreed and proceeded to cancel and provided me with the above confirmation numbers. 

XX/XX/2023 was the date the transactions happened XXXX XXXX : Ally Card Alerts Card XXXX Did you purchase XXXX {$39.00} XXXX XXXX XXXX  ; XXXX {$12.00} XXXX  ; Reply Y or N Reply HELP for help ; STOP to Cancel and I called ollo / now ally bank to notify them of this issue. They just made it even worse. After waiting for 1hr on the phone proceeded to have a very unpleasant conversation with one of their finestdisputes department who went ahead and said they can not guarantee a refund at any point of the 90day investigation. A very concerning issues considering the credit cards are federally insured. To make it even worse the merchant confirms that they refunded the funds. Shockingly now I have 2 charges of XXXX and XXXX on my card. It this point Im even more confused.

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 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am filing a complaint about a Public Record USBK COURT SOUTHERN FLORIDA XXXX listed on my credit report which does not belong to me. I contacted the Bankruptcy Court and they informed me that they do not have any information under my full name, social security number, address and date of birth. They also told me that they don't have jurisdiction or the right to report information to the credit bureaus anyway.. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They reporting requirements do not comply with FCRA 611 ( 15 U.S. 1681 ) and the information must be deleted immediately.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: WI
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 Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/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 : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 2022-11-24
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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX, XXXX, XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX ) XXXX, XXXX  XXXX, and XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX have 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 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 2017-06-19
Company: Big Picture Loans, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I agreed to a settlement on  XXXX   XXXX  and made the last payment (  XXXX  ) on  XXXX   (  posted  XXXX  ). This should have closed my account. The next day, they debited me again for  XXXX  and did not respond to my message about this. I disputed with my bank, but I want these people out of my account now that I have fulfilled the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NJ
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
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: Account status incorrect

Complaint:
Accounts associated with these name ID # XXXX, XXXX, XXXX, XXXX Address ID # XXXX, XXXX Accounts associated with XXXX XXXX XXXX, XXXX XXXX XXXX-I never opened an account with them. I don't know who they are. 
Some of my accounts are over 5 years old. 
XXXX XXXX, XXXX, and XXXX credit cards are 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 explanation
Consumer complaint received 2023-07-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Citibank checking account and kept the required amount in the account to not be charged a fee. After about a month I decided I no longer wanted to keep the account but Citi makes it difficult to transfer money to other banks, so I tried to XXXX the funds to myself and Citi blocked my account. I tried calling in about it after receiving a letter telling me to do so and they closed my account without my consent or their willingness to verify that it was me who transferred the funds. Now they are holding my funds from the account and will not return it even though I asked for it to be expedited since they have no need to hold onto it.

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 2023-04-06
Company: Experian Information Solutions 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 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-04-19
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
on XX/XX/2022 I received a letter that I have attached showing that this company even after reporting that this debt is false and misleading. This company repeatedly sends correspondence information asto this debt is owed by me. I am tired of this company sending information about a debt that I have repeatedly asked for verification of the debt and they refuse to send it. The continue to send a ledger of the account and not a signed contract with my signature on it indicating that I owe this debt. 

I want a SIGNED CONTRACT BETWEEN ALL PARTIES INVOLVED! 

I WANT CANCELED CHECKS TO SHOW WHO WAS PAYING THE RENT AT THE TIME BECAUSE MY SIGNATURE NOR WAS A BANK ACCOUNT USED WITH MY NAME ON IT TO PAY ANY RENT. THE STATE OF MISSISSIPPI WAS RESPONSIBLE AND THE MANAGER OF THAT PLACE KNEW THAT! 

PROCOLLECT HAS YET TO PRODUCE THAT!

WHAT A DEBT COLLECTOR CANT DO!

What are debt collectors not allowed to do?

Collectors cant harass you. For example, collectors cant threaten to hurt you may not use obscene or profane language cant repeatedly use the phone to annoy or harass you Collectors cant lie. For example, collectors can not tell you that you owe a different amount than what you actually owe may not pretend to be an attorney or from the government cant tell you that youll be arrested, or claim theyll take legal action against you if its not true Collectors cant treat you unfairly. For example, collectors may not try to collect interest, fees, or other charges on top of the amount you owe, unless the original contract or a law says they can cant deposit a post-dated check early can not publicly reveal your debts, including by sending postcards or putting information on envelopes This company has repeatedly contacted me with threats about this bill and im tired of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2022 Wells Fargo Home Mortgage admitted that it had incorrectly miscalculated fees and other charges related to my mortgage foreclosure process of {$1000.00}. See Wells Fargo XX/XX/2022 letter attached. 

In XX/XX/2022 Wells Fargo Home Mortgage admitted that it overcharged me {$3300.00} in expenses when it evaluated my mortgage loan modification application. These errors resulted in an overstatement of the attorneys fees in the calculation, which caused my qualified borrower application not to be offered a loan modification. See attached Wells Fargo Letter. 

Wells Fargo Home Mortgage has not fixed my issues and continues to fail to offer me a borrower loan modifications and adequate remediation to my mortgage account which experienced incorrect loss-mitigation outcomes, including wrongful foreclosure.

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