BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I filed a written complaint on XX/XX/XXXX by telephone and by letter ( attached ). 
They sent acknowledgement letter on XX/XX/XXXX and responded to a my secure online message on XX/XX/XXXX. I've called to ask for a resolution because it is over 90 days and they keep charging me interest on my dispute which is described below. But they said they would contact when they have an answer. And now when I call I get a recording.. " WELCOME TO XXXX XXXX , your call can not be completed as the called party is temporarily unavailable .please try your call later '' I called today XX/XX/XXXX at XXXX XXXX  EST Tel # XXXX during their stated business hours. 

ISSUE : I called when I received my XXXX statement to dispute deferred interest charges they charged regardless that I made full payment on XXXX of {$940.00} before a {$930.00} deferred promotional balance expired on XX/XX/XXXX. My XXXX statement stated that an auto payment of {$130.00} would be deduced on the due date XX/XX/XXXX, but they didn't deduct the auto payment because they said I made the XX/XX/XXXX payment. No other bank does this. I called and filed a complaint and was given XXXX XXXX XXXX. I wrote a letter on XX/XX/XXXX, but there was no response, so I sent a secure message through Comenity Bank Website for XXXX XXXX XXXX, which was acknowledged Message ID : XXXX. I received a physical letter from them on XX/XX/XXXX. Besides not crediting my payment to the promotional plan that expired first, they are still applying any extra payment to promotional plans that expire last, It is so hard to even understand how they are calculating interest ( and I am a secretary who does taxes and calculate closing cost. According to the last statement they charged interest of {$770.00} in XXXX and {$16.00} so far in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09
Company: Experian Information Solutions 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:
I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The accounts below should be corrected : 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 2021-07-29
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Monday, XXXX. 
I got a text which I did not understand and an email saying that someone attempted to access my account. 
Case # XXXX - Compromised account created by Coinbase. 
Until now, no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: NJ
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:
After obtaining the method of verification from all three credit agencies, in which they all said XXXX  XXXX. I then contacted XXXX XXXX and they removed the bankruptcy from my credit report, I then forwarded theletter from the court house and XXXX XXXX, to all three credit agencies to remove the bankruptcy from my credit report as I never filed the bankruptcy and they refuse to remove it from my credit file.

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 2018-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America keeps changing my account types without notifying me. I initially signed up for 2 free checking accounts in XX/XX/2009. One of the accounts had a free service ( overdraft protection ), which was supposed to automatically transfer funds into it from the other linked account, in the event it's balance is low. 

The free checking account was changed, without notifying me, to a different checking account ( now referred to as Core Checking ). The free " overdraft protection '' now had a fee for each occurrence, and an additional monthly maintenance fee ( based on the new Core Checking account ) was being withdrawn from my account. 

These fees were withdrawn from my account for about a year before I noticed them. Perhaps it's just me ; I could have sworn that I had never seen the fees show up on my online account as I don't look at my online statements ( I opted to receive only eStatements ). 

I called to ask about the change and was advised that the account was no longer free and the fees associated with the Core Checking account. I was offered a new checking account option " eChecking '' to avoid fees, which I took. 
The eChecking account was online only. It couldn't be used with checks, meaning you couldn't write a check to someone from the account. 

Just this month, I got charged a monthly maintenance fee on the same eChecking account. Good thing I caught it on time this time around right? When I called the customer service center to find out the reason for the fee, I was advised that the eChecking account was no longer offered and they had defaulted me back to the Core Checking account - again, I wasn't notified of the change. 

I believe this is a standard practice for BOA. They probably make these unannounced changes, on purpose, to collect fees from their customers and increase their revenue. These are probably carried out through carefully written algorithms to target certain customers after considering potential revenue they could generate from a particular group of customers. 

I would like this issue to be considered seriously and investigated. I can guarantee I'm not the only consumer affected and used for this BOA 's revenue generation scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 2023-10-23
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a mortgage loan. The lender said they couldn't get a report from Experian. I called Experian and they said it was an address issue. I haven't moved from my residence in over 5 years. The address they have on file is correct. But for some reason they cant update my credit report or score. I have a credit report that dates back from XX/XX/XXXX. I have since filed 2 disputes in XXXX. I have provided them with my license and a updated bank statement with my address to prove I live at my current address. I have called several times trying to understand why I cant get a updated credit report over an address. This issue has started back XX/XX/XXXX. It is now XX/XX/XXXXXXXX  and they still have not updated my credit report. They keep giving me the run around it will update 24-72 hours. I have done my due diligence in trying to resolve myself.

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 2023-10-02
Company: TMX Finance LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Was told I will receive restitution from the company because of the illegal or interest rate charges and CF pb ordered the company to deposit money into account for victims relief fund file previous complaint was told the company was out of business so I'm filing a new complaint and I'm going to upload some documents relating to the business idea with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, 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:
This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX Balance XXXX {$410.00} XXXX XXXX XXXX  XXXX Balance : {$130.00} XXXX XXXXXXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX : {$410.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$210.00} XXXX XXXX Balance : {$1900.00}

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 explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have tried to report my card lost for the second time as it has not arrived in the mail. I have reached out to Aspire many times, but they refuse to mark my card lost and send a new one. To rub salt on the wound, they are demanding me make payments on my card although one has never been in my possession and I have reported it lost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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 2021-06-15
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
American Express allowed a 3rd party to take over the account. They were notified for a period of more than 3 years about this issue.

Eventually, a Equal Rights complaint was filed notifying this company of the interference of the 3rd party continous and ongoing. CFPB was contacted and notified of the actual account holder being daily denied access online, in person, on the telephone without use of her card or billing statements. American Express ignored the notifications continously and ongoing.

American Express knew or should have known about the blocked account, and the card holder informed American Express but again ignored locking the account holder out for 3+ years.

The account holder is protected from theis type of fraud stemming from the take over on her account, and no access. American Express did not taken any steps to secure the account from fraud and took no steps to correct this issue. American Express is ultimately responsible for the account being taken over by a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: KEYCORP
State: NY
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:
KeyBank blocked my card and sent me a new one. I didn't receive that and I can't login in my account. Latter I finally logged in and I sow unusual transaction in my account. I called to customer service and blocked my card. I told them it was not me. I sent them email and they till now didn't receive. I called them again and made a dispute for those transaction. Yesterday I received a latter, where they answered, - We are unable to credit your account.

Company response to consumer: Closed with monetary relief