BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
these accounts are in violation of 15 usc 1681 e b- accuracy of a report, states the furnisher/consumer reporting agency is responsible for reporting maximum possible accurate when it comes to a consumer ( me ) report. I sent a dispute letter displaying this information and saying it needs to be removed due to inaccurate reporting of multiple items causing my credit report to not be accurate : payment status, account status, date opened, account #. 
these accounts all have multiple inaccurate information that the bureaus are not be held liable for reporting accurately. 
XXXX, XXXX XXXX XXXX, Original Creditor the unauthorized use of my information under 15 U.S. Code 1602 ( p ), I did not authorize nor do i have actual accounts from these implied cardholders. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- 15 usc 1666 b- timing of payments. 
I sent in as well a dispute letter stating I have never received a statement from them 21 days before I am to pay my statement and on top of that when I did receive it which is usually 5 days before its due if it was to come in a negative form I would've paid it, but it came in a positive form. They reported 4 late payments are not accurate because the bureaus didn't hold the furnisher 's responsible for upholding the laws provided. These were all that I have attempted to resolve multiple times to dispute with the three bureaus and they told me these items were validated even after detailed descriptions of the fcra/fdcpa laws and what my credit report reflected. So that i dont have to continue housing a inaccurate report causing me a great deal of distress, I demand these items be removed from my credit report and I be sent from each bureau an updated credit report reflecting changes made.

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 2021-06-06
Company: ENOVA INTERNATIONAL, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Netcredit is a rent-a-bank scam. They operate outside of my state of Michigan. I asked Netcredit who loans money through many out of state banks to allow me to lower my interest rate to the appropriate SCRA rate of 6 % or 36 % out of state lending cap and sent them my XXXX pay stubs. They acted like the never got the paperwork and then they took out a payment at XXXX percent interest before my due date for an amount that doesnt match their system as being due and were not authorized to do so. I tried to call them and they are impossible to reach. I had to email them countless times over and over again. After doing a lot of research I found out they are a rent a bank scam and charge more than the 36 % cap and are preying on veteran and military personnel as well as anyone looking for help during COVID in order to charge them outrageous interest rates, pull money at un-authorized times and more. XXXX. The 36 % Rate Cap Today A. TheDeregulationoftheXXXXandXXXX Until the deregulation of the XXXX and XXXX, virtually all states had usury caps, though they varied widely and were typically well below 36 % for larger loans.17 But that changed with deregulation, which was spurred by two developments, neither of which reflects on the appropriateness of rate caps today. First, a Supreme Court decision permitted banks to charge the interest rate of their home state, regardless where the loan was made.18 The decision led some states to repeal their interest rates in exchange for banks relocating their headquarters. Other states were forced to follow suit or lose their banking industry.19 Why 36 %? The History, Use, and Purpose of the 36 % Interest Rate Cap 2 Second, double-digit inflation squeezed the availability of credit, especially mortgage credit that was often constrained by much lower interest rate caps, and spurred a general climate of deregulation. The response of many states to the combined developments was to eliminate interest rate caps.20 Many states today have no usury caps or have carved out holes in their rate caps that effectively gut them. B. The Current Trend Toward a 36 % Cap For Small Dollar Loans The 36 % rate for small dollar loans continues to have wide acceptance at the state and federal level. Today, over XXXX jurisdictions 70 % of states still provide for annual interest rate caps at the 36 % benchmark or less within their statutory schemes governing small-dollar installment loans by nonbank lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: HCFS Healthcare Financial Services of TeamHealth
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 have taken action on the amount of XXXX many time please help remove unaware of this, Stated the date opened was XXXX. I have many hard inquiries I'm unaware of also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: ADP Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have a wisely debit card and my account was hacked on XX/XX/XXXX ( an online clothing store ) & XXXX ( food delivery XXXX XXXX in XXXX XXXXXXXX XXXX ) 2022 after placing a travel notice for XXXX XXXX XXXX XXXX the Wednesday XX/XX/XXXX which I was made to do when in the state of XXXX XXXX attempting to get gas about halfway through the trip. On XX/XX/XXXX, when I noticed the unfamiliar charges I withdrew most of the balance then reported to wisely dispute transaction department and my card was discontinued and I was told to expect my New card in XXXX days. Today is XX/XX/XXXX. I have gone through several attempts to resolve this problem in chats and phone calls. My complaint was never escalated during phone calls as each of the 4 times while on hold for a supervisor my call was disconnected. On the several wisely website chats ( all of which are untrainable ) I was told after requesting to speak to a supervisor that I would be getting a call within 2-4 hours. I never received the calls. Most of the chats were ended while still in discussion about the issue. The individual I spoke with on Sunday the XXXX noticed my new card still wasn't sent and ordered it overnight delivery for {$35.00} which they took out of my account. I still haven't had the disputed unfamiliar charges put back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Subject : XXXX XXXX Bank of America Credit Card XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding my recent experience with Bank of America and the revocation of my credit card rewards without a proper explanation. I believe that my rights as a consumer have been violated, and I seek your assistance in resolving this matter. 

On XX/XX/XXXX ], I received notification from Bank of America stating that my credit cards were cancelled & when I tried to use my rewards it didnt let me when I reached out to them I was told that was there policy and they can not give more explanation.However, despite multiple attempts to seek clarification, I have not received a satisfactory explanation for this action. As a long-standing customer of Bank of America , I have always fulfilled my obligations and maintained a good credit history. 

I am deeply concerned about the lack of transparency and communication surrounding the cancellation of my cards & rewards. I have diligently accumulated these rewards through my regular card usage, and their revocation without a valid reason has significantly impacted my trust in Bank of America as a financial institution. 

I also have all my wealth management retirement accounts with them. And that really makes me think how I should trust a institution like this. I used these cards to pay for my child classes and regular daily gas groceries etc. 

I have attempted to resolve this matter directly with Bank of Americas customer support, but I have not received a satisfactory response or a clear understanding of why my rewards were revoked. Given the circumstances, I believe it is appropriate to involve a regulatory authority like the CFPB to ensure a fair resolution. 

I kindly request that the CFPB thoroughly investigate this issue and intervene on my behalf to rectify the situation. I seek an explanation for the revocation of my credit card rewards and appropriate restitution if it is determined that Bank of America has acted in error or violated any consumer protection regulations. 

I appreciate your attention to this matter and your commitment to protecting consumer rights. I look forward to a prompt and fair resolution of this complaint. 

Thank you for your time and assistance. 

Sincerely, 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 2022-07-12
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous.Equifax and XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( 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 account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
On or about XXXX I sent a dispute / cease communications letter to PRA. ( Portfolio Recovery Associates ) In XXXX, they started calling again and placed 8 calls to my number in violation of 1692 C ( c ) and 1692 D.. the XXXX Unfair Trade Practices Act, and XXXX debt collection laws. 

I contacted them and they stated that they were " looking for another consumer. '' This is false, since I live alone and have for 5 years. There is no " other consumer '' here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: TX
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: LA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I transferred my cell phone service away from XXXX ( XXXX ). Upon transferring all three of the lines on my account, I was unable to access my online account. I was set up for paperless billing, in which the only way to access bills is through the online account. Since I was unable to access the online account due to no longer having active service, I expected that I would receive a final bill from XXXX. I never received a final bill and suddenly a collection was on my credit reports. I contacted XXXX several times requesting a final bill be mailed to me. They promised me each time that it would be sent, but I have yet to receive the bill and I have no way to verify what charges are being billed to me and why.

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 2023-02-13
Company: EQUIFAX, INC.
State: SC
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
Consumer complaint received 2023-07-12
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
Title max I have a title pawn with Title Max, in XXXX XXXX XXXX XXXX XXXX currently that I took out in XXXX of 2021. I went in on Friday XX/XX/XXXX to ask for a print out of every payment I had made to them. They could not provide me with said printout. By my calculations as of this month I have paid in XXXX per month ( sometimes more if I was late on the payment ) for a total of XXXX I tried reaching out to local news outlet, even an attorney and was unsuccessful in getting someone to help. Some months it has been a matter of keeping my car or eating. This title pawn was taking out during Covid when I had lost my job. I told them on XXXX  I simply wanted my title back because I have paid in more than 3 times my original loan amount which was XXXX. The mans name that is the XXXX  XXXX there is XXXX. He was very nasty to me when I went in there on that Friday. I know it is probably a shot in the dark reaching out, But I thought I would give it a try since they have recently been sued for misleading clients. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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:
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. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX 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.

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 2023-07-12
Company: Affirm Holdings, 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: Account status incorrect

Complaint:
Affirm reported 2 late payments over 60 days in XXXX to XXXX. The company, due to financial hardship, agreed to forbearance and assured that they would not be considered late or affect credit. There was literally no payment due shown on the account page ; this extremely predatory behavior towards the consumer on their part. The company refuses to respond to several emails I have sent to request evidence that the payments were due ( I received no statements or notification that payments were due or late ). I attached the only responses I have ever received from them in writing, which states they " will look into and respond within 24 hours '', which never happened.

During a phone conversation, a representative of the company claims they had sent 10-20 text messages to my phone alerting me to the payment issue, however they were never received and the company can not provide evidence of ever alerting me of the issue ( the phone company verified this ). I do not appreciate their lies affecting my credit.

Please assist in correcting this, I have no other late payment records on my credit as this is not something I would ever let happen and it is now negatively affecting my ability to apply for things I need. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/XXXX  at XXXX XXXX, I spoke with XXXX XXXX  via telephone number XXXX regarding a hit on my credit report not belonging to me. During the conversation with the creditor they told me the account belongs to someone other than me and that they could not discuss the details with me. I asked to speak with a manager and got XXXX XXXX XXXX who identified himself as a manger. I told XXXX I was in the process of buying a house and that this falsely reported tradeline needs to be removed from my credit immediately. He told me the account does not belong to me and the only way I could remove the account is to contact the credit reporting agencies. I further explained to him that their company is knowingly falsely report on my credit which is against the Fair Credit Reporting Act and he told me there was nothing he could do.

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: Experian Information Solutions Inc.
State: CA
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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