BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: Experian Information Solutions 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, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willing conspiring to deprive me of human rights under color of law title 18 usc 241/242.

Fact : Section 18 usc 241 : makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the Unites States or because of his or her having exercised such a right.

Fact : Section 242 of Title 18 makes it a crime for a person acting under color of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States According to federal reserve act section 16 part 2 : it states my Application was used as a bill of exchange to fund the account as collateral!

Fact : Federal Reserve Act : Section16 ( 2 ) Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.

As you should know, FACT : Federal Reserve Act Section 29. Civil Money Penalty c ). The maximum daily amount of any civil penalty which may be assessed pursuant to subsection ( c ) for any violation, practice, or breach described in such subsection is -- 1. in the case of any person other than a member bank, an amount to not exceed {>= $1,000,000} ; and 2. in the case of a member bank, an amount not to exceed the lesser of -- * {>= $1,000,000} ; or * 1 percent of the total assets of such member bank.

In conclusion you are commanded to deleted from all consumer reports and compensate for ALL VIOLATIONS!!! Failure to perform will lead to a federal lawsuit against your corporation for breach of agreement and securities fraud accordingly to Bill of Enchange Act, and Federal Reserve Act

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 2021-02-06
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: Account status incorrect

Complaint:
XXXX XX/XX/2021 @ XXXX CST, I called Equifax to dispute inaccurate information being reported on my credit report. I disputed earlier, but information continues to show on my report. I explained that I had disputed earlier, and that they had not corrected. The issue is that Equifax is reporting on three of my accounts incorrect date reported inputs. I explained that a data entry person incorrectly inputted report date into the date reported field ( which are not the same ). These are all closed, XXXX balance, no activity accounts. I continued to explain that this administrative error is impacting my credit score in a very negative manner ; decreasing my score. Which is impacting my livelihood. My request is to have the information corrected immediately for the reason that it is Equifaxs error! If they could not correct the entry, I requested that they remove the accounts from my report! I requested to speak with a supervisor ( First Name : XXXX ). XXXX only proceeded to tell me that it would take 30 days to dispute. I explained that I had verified the information with the creditors, and that it was a quick fix! She proceeded to talk over me and not listen to the logic in correcting the error immediately. I continued to explain that the algorithm of their model is reading the incorrect information as a new account/delinquency! Therefore, reporting INACCURATE/INCOMPLETE information, and is UNFAIR REPORTING! 
XXXX then abruptly hung up the phone in my ear. Very unprofessional! 
I called back to the company and spoke with a different first line person. While talking with her, the call was disconnected? I called back a third time and was unable to get through..they somehow blocked me from reaching a live person. 
Again very unprofessional!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for Citi American Airlines card when purchasing a airline ticket to get a card to accumulate miles about a month ago. Card offer said I'd get XXXX miles if I spent {$2000.00} in first four months including available balance transfer at intro APR of 0 % for first 14 months with a one-time balance transfer fee of 5 % of balance. 

I received the card this month & activated card this morning. When I went to balance transfer option, the intro APR rate was 29.99 %. I tried an online chat that went nowhere for about 15 minutes because the Representative " XXXX '' said their systems were very slow this morning. So I called & the person kept putting me on hold to check on things & finally after about 20 minutes said they'd put in a query about it and see what would do. I said 'cancel the card ' because it just seemed a little too shady.

I don't expect any additional results from this complaint but just wanted to mention it because it's so obviously & blatantly wrong.

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 2023-04-14
Company: Experian Information Solutions Inc.
State: KS
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2022-08-07
Company: EQUIFAX, INC.
State: TX
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've recently been getting updates and warning about my personal information being on the BLACK WEB. So I've been looking at my credit report and noticed XXXX XXXX XXXX on my credit report and I have never had or applied for a account with this company. This account shows to be open since XX/XX/ 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: MI
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:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was sold to Fifth Third Bank. Two months after loan was transferred I receive notice that my escrow is almost {$2800.00} overdrawn. I contacted the Bank via phone and was promised a reanalysis. This was supposed to be completed 1 week ago, but I still have not heard anything. My attempts at contacting them by phone and on-line have been rebuffed as they are constantly telling me my info ( loan #, SS # ) is invalid or my registration can not be completed at this time. I have spent several hours on this and am very upset that their automated systems prevent me from talking to anyone!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: MOHELA
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Whenever SOFI/Moehla takes the payment directly from my bank account they apply to a different loan and then start calling, emailing and harassing me for my payment saying it is late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was offered a Victoria Secret credit card ( Comenity Bank ) on XX/XX/XXXX. I did only one purchase of {$10.00} with the card. I got the first PAPER statement which was due on XX/XX/XXXX. I made the payment on XXXX XXXX at night before XXXX XXXX  for the complete amount of {$10.00}. Late in XX/XX/XXXX I got a call from a collection company. The person on the phone told me I was on collection for not paying my Victoria Secret card. Thinking it was a fraud, I logged into my Victoria Secret Account to find out that I was certainty past due for the amount of {$56.00}. This were all late payments fees and interest fees on the late payments imposed to my account because according to them I paid late on XX/XX/XXXX. I called the credit card, the customer service representative explained that even though I paid the card on the due date XXXX XXXX my payment went through late on XXXX XXXX, because it was made after XXXX XXXX. Then they charged me late payments and interest on the late payments until they called me on XXXX. I never find out about this situation because the credit card send me no more paper statements. They said I was on paperless statements which I do not recall to have changed. Then all emails went to my spam folder. I asked for a waiver of the penalties and interest but they were reluctant. They never call me or send me another bill to me until I was more than 60 days late. Finally, I did not have other option that to paid the {$56.00} on XX/XX/XXXX ; but that was not enough for them. A late payment was reported on my credit history, the credit card appears as unpaid, and my credit score is down almost 90 points. This are the charges that appears on my account : XX/XX/XXXX {$10.00} ( original purchase ), XX/XX/XXXX {$10.00} Late Fee, XX/XX/XXXX {$10.00} Payment, XX/XX/XXXX {$2.00} Minimum Interest Charge XX/XX/XXXX {$12.00} Fee, XX/XX/XXXX {$2.00} Minimum Interest Charge, XX/XX/XXXX {$27.00} Late Fee, XX/XX/XXXX {$2.00} Minimum Interest Charge, XX/XX/XXXX {$56.00} Payment, I called the credit card three times, they are very rude and they not considered the customer at all, I explained them that I did not change my billing preference to paper statements and that I was a new customer. Nothing was important to them than to collect their money made on on late payments and interest fees, 100 % profit for the company. After I paid the bill and closed the credit card I got a paper statement with all the charges without me changing any billing preference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting 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 did not authorize COMENITY CAPITAL/ FOREVER21 on XX/XX/2021 to run my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX company has sent an account for collections to XXXX XXXX, a debt collection agency. I have been trying to explain to Convergent that I HIGHLY disagree with the charges as XXXX is making false statements about the nature of the debt. This situation is deeply troubling because I have been in escrow for my first home and they are about to cause me great financial harm by jeopardizing my loan prequalification. I will not hesitate to hold them responsible for any financial damages incurred due to this situation. 

Since I am in escrow, I am also cornered into settling this account post haste without having adequate time to dispute this account and " fight it out '' with XXXX. I have been trying to come to a resolution with Convergent that would resolve this account and remove the account from my credit report. They keep regurgitating that they do not " pay for delete '' which is NOT what I am requesting. Since it seems they only read from pre define scripts they are not able to address my concerns appropriately. This is deeply troubling, my stress level is through the roof and I need assistance from somebody regarding this unfortunate situation that is occurring.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) dates include in attachment.

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 2023-01-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On or about XX/XX/2022 Synchrony was contacted concerning Generac and Care Credit card ( s ) and was explained my situation of unemployment and no income due to being medically disqualified to continue my 25 year career by a federal agency. I requested auto pay option be stopped as well. I thought my card ( s ) and account would be suspended without penalties due to my situation ( best scenario for everyone involved I thought- two cards had a total of about {$2300.00} ) instead 40 years total of employment and credit building all down the tubes.Documentation was declined/refused and only response I received was " you still have to pay and on time if no penalties '' I reminded them of no income, and the response was " we have a payment plan '' I have one card that I am certain I was paying the extra couple of dollars for insurance and was told " we don't insure our cards '' and one card I was almost one year ahead of paying off per purchase agreement... means nothing apparently. Same as my former employer-punished and penalized for being sick. It's sad that this country has become so sadistic and inhumane and heartless. Every one gets dealt bad situations. Worst part, the people on the opposite end of my situation if they get in a similar situation will expect everything in their favor and it still wouldn't be enough.

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 2022-02-10
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2023-11-27
Company: Experian Information Solutions 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:
The Date of Last Activity is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
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 2022-03-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
after sending the last {$4100.00} of a scam that I was unaware the banker didn't warn me that this was a possibility of a scam since I was sending a lot of money in a short period of time. after I find that it was a scam I ask the bank to recover my money but no results in my favor were given. XXXX, I'm asking for help.

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 2022-03-15
Company: Bread Financial Holdings, Inc.
State: TX
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:
My credit report is reflecting a new accounts that were opened that are fraud and not me. I think my identity was stolen. This includes an account for " XXXX '' as well as " Comenity Capital Bank ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 applied for a credit card and was not approved. There are still items on my credit that are not mine, XXXX XXXX XXXX XXXXXXXX XXXX. Please remove these from my 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
Consumer complaint received 2019-05-06
Company: Accelerated Financial Solutions, LLC
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: Account information incorrect

Complaint:
They reported an amount in my record that is incorrect, they said that I own them money when it is not true because it was paid in full, XXXX made an error by living my dispute as something negative, the accelerated financial tried to damage my record on XXXX  and XXXX, but those company found out that it was a fraud against my record, the company accelerated financial said that I own them XXXX dollars and it was updated for the first time in XX/XX/2019 and then XX/XX/2019 and XXXX XXXX is the original name of the acreditor.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 was a victim of the XXXX data breach please delete these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attached is a screenshot where I put my name and last 6 of my SSN and was notified I was a victim of this incident.

Best regards

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