BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: Experian Information Solutions 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:
Hi I am XXXX XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXX XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 explanation
Consumer complaint received 2023-05-11
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 2020-03-13
Company: MoneyLion Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I inquired about an installment loan which ended up a payday loan with high interest. Upon paying this off as well as my husbands we could not close the account. Countless calls emails were never returned. They kept the accounts opened and charged us a $ 50 monthly fee. Payday loans are illegal here and NC has a suit against them. 

XX/XX/2019 Trying to charge {$970.00} now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Earlier this year I contacted a breeder to purchase a puppy. I made the initial purchase transaction on XX/XX/2021 for the amount of {$1000.00} ( Transaction ID is XXXX ; ORG ID : XXXX ). I was told the puppy would be delivered to me in the next couple of days. A couple days later, I was contacted by the transport company and told I needed to pay {$1400.00} for permits and shipping but that the funds would be returned in full to me upon arrival of my puppy. I paid the {$1400.00} on XX/XX/2021 ( Transaction ID XXXX ; ORG ID : XXXX ). After a couple days of not hearing much, I reached out to the breeder and transport company to see what was going on. I was told that I needed to make one more payment for a permit to make sure my puppy arrived to me safely. I paid another {$1000.00} on XX/XX/2021 ( Transaction ID XXXX ; XXXX  ID : XXXX ). Shortly after making the transfer, I realized I was a victim of fraud and this was a scam. I immediately called my bank and requested them to stop the {$1000.00} transfer as it was still pending. I was told they would stop it immediately and the funds would not leave my account. A day later I checked, and the funds were gone. I have reached out to the company ( scammer ), to XXXX, and the my bank to resolve this matter. I have not been able to get in touch with the scammer, XXXX has blocked them on the platform so I can't contact them that way, XXXX has been unresponsive, and Citibank has been unhelpful. They promised to stop the funds from leaving my account and did not keep their promise. I have done everything I can to resolve this but they have also not helped me recoup the funds. I opened a case with the bank and was told they can't help me but that I can appeal and send a letter with supporting documents to dispute it. I sent the letter and documents twice and never heard back. When I called, they told me that for this type of case a dispute letter and documents are not used or allowed. I have spent hours with my bank and have been given so much differing information and no resolution. I have even tried escalating the case the the highest levels at the bank with little response. I unfortunately was scammed and a victim of fraud and have spent a ton of time trying to make this right. My bank has offered little help or response and I am hoping for resolution. I at least expect the {$1000.00} XXXX sent on XX/XX/XXXX to be returned since I was told the bank would stop the transaction. I am extremely disappointed and frustrated. The bank has done nothing to protect me or track down the scammer. I expect my bank to resolve this matter for me and return my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: CA
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 ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2023-05-11
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2023 I transacted with XXXX XXXX XXXXXXXX to get a home mortgage pre-approval, which according to them required a credit report be pulled from XXXX, XXXX, and Experian. Starting on XX/XX/2023 I have received on average 10 phone calls per hour on my mobile phone from mortgage companies soliciting home mortgages. The credit bureaus clearly shared my information to others outside XXXX XXXX XXXXXXXX without my consent and now I am being inconvenienced at an unacceptable rate with calls, texts, and emails.

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 2023-05-11
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXXXXXX, 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 2021-10-14
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a bill pay program through my bank that I have been using for years. The credit card that I am having a problem with I obtained through my XXXX XXXX office to pay for my XXXX XXXX. 

Using my bill pay program through my personal bank, I have the option to put the payment on autopay. The bank automatically sends my payment out to be received by the biller the same time every month for the same amount of money. I currently pay {$200.00} a month to arrive by the XXXX of the month. I have been making payments to this biller for a couple of years with no problem. Since I pay my bills using my bank, I can get printouts of my payments if needed. If the payment date falls on a weekend or holiday, my bank will automatically adjust the date to have the payment arrive on time. I have not had a problem with this biller or any other biller I pay using this program until two months ago. From the credit card company I got a larger minimum payment amount and a {$40.00} late fee. They stated the payment was 9 days late. We had a 3 way conference call with my bank and they only agreed to remove {$15.00} of the late fee. The bill I received this month shows they put the {$15.00} back on the statement and charged another late fee for the bill being 6 days late this time. When I call them they have no explanation as to why this is happening. I told them nothing has changed on my end so why are these problems happening now? They don't know. I changed the due date on my bill pay program to the middle of the month to arrive, I hope, by the first of the month. I can not resolve anything with these people and would like to know what I can do at this point. I don't want my credit messed up because of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-07
Company: WELLS FARGO & COMPANY
State: TN
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:
Wells Fargo XXXX date open XX/XX/XXXX date closed XX/XX/XXXX Failure to report any on time payments in this time frame. Incorrectly reporting past due payments. Failure to provide physical document verification to include contract, payment history, monthly balance, etc. as requested numerous times. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. Wells Fargo Credit has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages.

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 2021-10-06
Company: CNG HOLDINGS INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The lease agreement terms was for the amount of {$1800.00} I paid {$680.00} at the signing of the lease and have paid a total of {$1200.00} in biweekly payments since XXXX totaling the entire amount paid to be {$1900.00}. More then amount leased I called to buy out of the lease agreement and they told me I'd have to pay another {$680.00} or continue to make payments until XX/XX/XXXX. None of this was explained to me at the time I purchased the stereo equipment. The store ( XXXX XXXX ) was contacted the same day that we purchased the equipment and they told us ( My sons father and myself ) that we needed to contact Tempoe in order to return the merchandise because it was leased through them. I then contacted Tempoe and they said that it had to be returned through XXXX XXXX. My sons father then took the receipt to the store where the manager kept the receipt saying that he'd get back to us on what needed to be done. None of this is equitable to me as a consumer and I was tricked into a lease agreement with none of the terms told to me everything was done on a computer so I was not able to read anything until it was printed off. I would like for this lease agreement to be handled as I've paid more than the amount that I've leased. This agreement is in violation of the Truth and Lending act I've paid more than 4 installment payments and have received no equity as a consumer. 
This is a Consumer Lease Agreement that has no signature from administering agent I was emailed the original lease agreement which does in fact have my signature but in order for it to be legal and binding it should have two one from myself and the administering agent. The company showed up on my credit report XXXX on XX/XX/XXXX this is my receipt of purchase, letting me know that this was in fact a consumer credit transaction. Pursuant to 15 USC 1605 a finance charge is the sum of all charges and is involved in every consumer credit transaction. No were in this agreement does it show me what the finance charge was which is deceptive because I was told my credit wasnt being used. This entire agreement is deceptive and misleading. I was not able to read anything at the time a signing my signature was provided in a small keypad with the computer screen turned facing the store clerk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: AL
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 XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: WI
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:
Since XX/XX/2023 I have been disputing inaccurate information within my credit report but have not been getting a response from XXXX, Experian. Even one of them ask for verification that its me when i sent my information of verification. XXXX, sent information but all they continue to tell me is that its verified without any information that i asked for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Glennon Law Firm, LLC
State: KY
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:
Reporting to credit report after court order to dismiss with prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I was contacted by XXXX XXXX with a third party company called " XXXX XXXX XXXX ''. He stated that I owed a debt in the amount of {$710.00} ( original debt amount was {$500.00} ). This was a debt to the original creditor of " Bank of America '' from XXXX. This is the first time I have ever been contacted regarding this debt. They verified that they had my correct SSN, however this was never reported on my credit. I have updated my contact information with the credit bureau 's with every move. During this call they did not update any of my current information but stated that I either pay or face a civil court judgement due to refusal to comply. XXXX also stated that if I refused I would be ordered to pay three times the amount of the debt. They also contacted my family advising that legal papers were being filed against me tomorrow at my residence. I am concerned about the legal action and this reporting to my credit after 12 years. I am also uneasy that they are contacting my family and stating that there are legal proceedings against me. I have not acknowledged the debt, made any payment or arrangements and have not updated any of my personal information with this company. There are no previous judgements or collection efforts ever made to my knowledge and I think that this is unfair and very stressful. I believe that the statute of limitations on collection of any amount allegedly owed has expired and these efforts to obtain this debt are not appropriate. I asked XXXX to provide me with any type of documents to validate this debt and he stated that the only thing he had to validate the debt was my personal information and contact information from 12 years ago. Please help me resolve this issue to prevent negative impact on both my credit and personal life and finances.

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 2023-05-11
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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