BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: WSFS FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank is holding me liable for crime funds I did not commit and the person that did commit this crime is being charged and going to court. I should not be responsible for money I had nothing to do with.

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 2018-09-13
Company: LDF Holdings, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Dear Lender, After doing research regarding Internet payday loan laws in the State of Washington, I have found that your Internet payday loans are actually illegal. I have been in contact with Washington State Department of Financial Institutions and they have verified that your company is not licensed in Washington, therefore the loan contract I have with you is not valid. Although I am not legally required to do so, I am not willing to repay the principal balance of this loan, I received a deposit of {$750.00} on XX/XX/2018. The amount on the loan agreement is incorrect. It has the amount of the loan as $ XXXX.Which is not what was deposited into my XXXX XXXX XXXX XXXX account . falsifying a document is a crime punishable as a felony.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions 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 information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a XXXX. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My student loans have late payments back from XX/XX/XXXX-XX/XX/XXXX. During this time I was in forbearance, and then I was XXXX XXXX military. My account shouldnt have any late payments. 

And as of XXXX my student loans were paid in full due to the XXXX  XXXX XXXX due to being XXXX XXXX with the Dept of Veteran Affairs. 

Some accounts have over 33 missed payments on it, and in total theres over 100 missed  payments being reported, essentially destroying my credit score. 

I am unable to receive credit due to the incorrect reporting of the Fed student loan service.

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 2020-01-05
Company: AES/PHEAA
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My student loans have late payments back from XX/XX/XXXX-XX/XX/XXXX. During this time I was in forbearance, and then I was XXXX XXXX military. My account shouldnt have any late payments. 

And as of XXXX my student loans were paid in full due to the XXXX XXXX XXXX due to being XXXX XXXX with the Dept of Veteran Affairs. 

Some accounts have over 33 missed payments on it, and in total theres over 100 missed payments being reported, essentially destroying my credit score. 

I am unable to receive credit due to the incorrect reporting of the Fed student loan service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Avant Credit Corporation
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed with this company back in XXXX the company is Avant. They didnt send me any method of verification stating a original signed contract with my signature because according to Section 609 of the FCRA it has to be proof of a original signed contract with my signature. This company just continues to report this on my credit report and being that XXXX  has so many names and addresses on my file I didnt sign up for this.Please reach out to this company Avant to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I spent 3 hours on a chat with two representatives from Citi to understand why I had been charged interest on purchases made within my current billing cycle. To provide background, I transferred {$7000.00} at 0 % through XX/XX/XXXX on XX/XX/XXXX. This billing cycle ended on XX/XX/XXXX, with a due date of XX/XX/XXXX, and I made a {$1000.00} payment on XX/XX/XXXX. Additionally, I enrolled in a special rate offer of 3.99 % on XX/XX/XXXXXXXX  through XX/XX/XXXX. 

During the billing cycle of XXXX  I made several purchases totaling {$3000.00}. The due date for this bill is XX/XX/XXXXXXXX  ( I have made {$3100.00} in payments prior to the due date ). When reviewing my bill, I noticed I was charged {$6.00} in interest. The interest is based on a balance of {$1700.00}. 

When chatting with a representative, XXXX, and the supervisor, XXXX, I was given different answers as to why I was charged interest. I was told I was charged interest for not paying off my balance transfer in full. I was told I was charged interest because I made a payment before the statement was generated. I was told the purchases were made before I enrolled in the special rate offer. Lastly, I was told I was charged because I took advantage of the balance transfer offer, subjecting me to interest on all purchases. It is apparent that I still don't understand why I was charged interest on {$1700.00} or what that amount represents. 

My questions are : 1. What is the {$1700.00} balance that was charged interest? 
2. Why was I charged interest on purchases made during the billing cycle?

3. Is any of the information that was provided to me true? 

Being charged interest immediately upon using the card is deceptive. Additionally, I feel the supervisor did not take my concerns seriously. The information received lacked detail and was inconsistent. Furthermore, when I asked to speak to a supervisor or have a contact number to continue this conversation, I was told to call the Customer Service line to start this all over again. I've been a Citi customer for 15 years and have never been treated this way. I am appalled and disappointed. Yet the supervisor asked me to treat the service I received today as an exception!

All of this is documented in a chat which I expect Citi has retained. I have screenshots of the conversation available upon request. I look forward to a response.

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 2023-06-30
Company: EQUIFAX, INC.
State: WA
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:
Equifax is not doing their job every time I submit a dispute regards an unkown hard inquiry and wrong name on file. Once I submit the claim, I get the results within a FEW hours! 
Normally dispute results takes at least 30 days to arrive. This is very odd to get a results within a few hours. Eqifax agents is not willing to work with me, they just wants to hangup the phone. 
Eqifax is not willing to remove the unknowen hard inquiry, and the wrong name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2019 I filed bankruptcy with the USBK Court of Arizona. I withdrew the bankruptcy request on XX/XX/2019. I never completed the process and was never granted bankruptcy for this filing. I have contacted the Court of AZ and they have stated that they DO NOT report to the credit bureau. I submitted a dispute to EQUIFAX to have this item removed from my credit as it is reporting incorrectly on XX/XX/2019. I received a response saying that it was verified as correct. I resubmitted my dispute on XX/XX/2019 stating that they could not have verified when the USBK Court of AZ stated they do not verify with the credit bureau. I also submitted the same request to XXXX  and they removed the credit report when they verified. I sent all of these items to EQUIFAX and they can not provide me with the source they spoke with at USBK COurt of AZ to verify this account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorize the following companies to run my credit check and ruin my credit score. I contacted the credit bureaus and was told I had to submit an CFPB report for the FTC & it should be removed quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Experian Information Solutions Inc.
State: VA
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:
Please see attachments. XXXX XXXX XXXX XXXX. was hired or assigned an alleged debt by XXXX by XXXX XXXX also known as XXXX XXXX XXXX. This account is labeled as a charge off on my consumer credit report without my consent and there's no legal nor lawful definition defining exactly what this is. Again please see attachments. This isn't a permissible purpose, they have no consent from me, the consumer/original creditor. I demand XXXX XXXX XXXX to be held accountable pursuant to 15 USC 1611 on top of the other violations committed between themselves and 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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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 2022-10-19
Company: Experian Information Solutions Inc.
State: MA
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 XXXX  Account # XXXX has violated my rights. 
15 U.S.C. section 602 A. States I have a right to privacy.

15 U.S.C. section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without any written instructions.

15 U.S. Code 1692c states : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2017-10-15
Company: Innovis
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several of closely dates hard inquiries from the same company. One authorization while looking for a mortgage rate does not authorize multiple hard inquiries. It seems as if they are malicious after the loan agent stopped contacting me after the pull. Additionally, once I did secure a loan company/agent, this looks to be malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a spider issue so I called XXXX on XX/XX/XXXX. I paid for 3 months of service to spray for spiders. I did not see any decrease in spiders at all so I canceled the service. I got confirmation of the cancelation of service and no amount due. 

But after that I got a dozen letters with due bills from XXXX saying things like my account was overdue and I must pay now. I threw the first few away knowing they were spam but they kept coming, so I called XXXX and confirmed I did not have any outstanding balance. I told them to stop sending me spam bills. 

But the bills kept coming and a month later I got a collections letter from Nationwide Credit which it said my outstanding balance with XXXX was referred to a collections agency and I must pay. I called XXXX again and they again confirmed I have no balance and my service is canceled. They promised they would follow up with the collections agency. But they have not followed up with any of my complaints and I keep getting bills that I do not owe ( still coming as of now which is XX/XX/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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There was a judgement that was passed during a class action lawsuit XXXX XXXX were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So XXXX account number XX/XX/XXXXis violating my right per fcra please delete off my credit report attach is the court order

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 2020-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital one filed a lawsuit, I went to court. They did not show then the case was dismissed without prejudice. I guess it should've been dismissed with prejudice, I didn't take an attorney with me, and didn't understand that's what should've happened. Anyway it's been about 5 years, and they are still reporting a debt. I have tried to reach out to the company and even hired XXXX XXXX, XXXX. to reach out to them with no return calls or emails. 
XXXX XXXX XXXX XXXX XXXX These are the numbers on my court docket that shows the results of the case

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Company XXXX XXXX added a collection account to my credit report that is well over seven years old. The date stated that it was opened was XX/XX/XXXX but last reported on XX/XX/XXXX.I have made multiple attempts with reaching out to this company to verify debit.I have called received hold music, email and sent a letter to verify the original creditor. On my further research, This company is NOTOROUIS for doing this to other people. They have open lawsuits as well. I sure the reason why I cant get a reply back is because this company knows that the SOL has passed! I have also reported the issue to ALL 3 CREDIT BUREAUS. 



Your Help is Needed and Greatly Appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 non-monetary relief
Consumer complaint received 2020-01-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 non-monetary relief
Consumer complaint received 2020-01-04
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a couple of credit cards with 13 % or around that interest but US Bank charging me for last couple of years 21 % with no reason. Currently I have a XXXX credit score. I think that they simply stealing my money specially now where prime interest is so low. 
I called customer service and they refuse to lower interest. Credit card ends 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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am uploading this showing my filing for identity theft which occurred in XXXX of 2022. Due to this happening money was taken from my only bank account and I wasnt able to make my payments on my credit accounts. Most of these accounts are now closed and charged off. I need these negative remarks removed to be able to get a loan if something happens to me and my family. I am the sole income of my house with a wife and a XXXX. I need help please

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