BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I didnt open theses accounts..!!

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 2023-03-04
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have not received any notification regarding a collection debt through XXXX. I had the debt reported on my credit report but have not received any written notification regarding the debt or an ability to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX i received an alert from XXXX. That i applied for XXXX separate credit cards. 
XXXXCb Indigo, address is XXXX XXXX XXXX XXXX, XXXX Phone is XXXX And 2.Feb/ Destiny, address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone is XXXX I called the number and found out that this call center manages both card company and I was able to file a dispute and was able cancel both cards that was approved today. I requested them to investigate and take my information of credit bureaus inquiries. They said I have to file a complaint CFPB so they can proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was contacted by Venmo stating there was activity violating terms of service and that my account was frozen. I stated to them the account has not been used in 7 months so there has been no activity and I requested specifics on this activity as it appears it may be fraudulent. Instead of assisting with any kind of fraud investigation, they simply froze the account which means I can not actually engage in any kind of preventative actions related to any fraudulent activity taking place ( or having taken place ) on the account that I did not actually initiate. Furthermore Venmo states they have support available via their XXXX account and despite repeated efforts to try to get assistance because I can not do so online as the account is frozen, they have failed to respond to any of my requests for support. Simply put, my account may be being used illegally by a third-party, Venmo is now aware of it and refusing to do anything to assist, they are blocking my access to my account so that I can not take actions to prevent this from occurring, and ignoring requests for assistance from the customer despite what is clearly a security issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: OH
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:
Recently, I did an investigation on my credit report which cause XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 14 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Resolution : As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and/or deleting the accounts listed in my dispute letters attached. Thank 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 explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Going over my consumer report I have notice you are reporting XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX without my consent ... 

I demand these accounts to be removed from my consumer report. I did not give you written instruction to report anything on my report so this must be removed ASAP. 

Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

It is in fact that I am a consumer and did not give you any written permission to furnish these accounts on my consumer report.Which is my reasoning for you all to delete all accounts mentioned asap.

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 2022-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America closed my personal checking account approx. XX/XX/2021 with no reason or explanation. They kept {$13000.00} dollars and have not returned it yet. I have called multiple times. Gone into the bank in person and have certified them letters, but they refuse to return my money.

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 2023-09-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Sinchrony bank. 

I have been a loyal customer for many years and have consistently utilized the 0 % interest rate special offered by the Bandsmart card. However, upon reviewing my recent statements, I was surprised to discover that I have been charged a total of {$310.00} in interest rates for this current year alone. This has left me feeling disappointed and questioning the integrity of the promotional offer. 

Throughout my time as a customer, I have always made timely payments and diligently adhered to the terms and conditions of the 0 % interest rate special. I trusted that I would be provided with the promised benefit of a zero-interest rate, and I am disheartened to learn that this may not have been the case. 

I kindly request that you investigate this matter thoroughly and provide me with a detailed explanation as to why these interest charges were applied to my account. I firmly believe that this situation must be rectified, as it is unfair to charge me interest when I have consistently met my payment obligations and relied on the 0 % interest rate special offered by your company. 

I value the relationship I have with Bandsmart and Sinchrony bank, and I hope that we can resolve this issue in a satisfactory manner. I kindly request that you promptly address my concerns and take the necessary steps to correct any errors or misunderstandings that may have led to these interest charges. The attached statement doesn't reflect the new amount been charge for interest rate. 

Thank you for your attention to this matter. I look forward to receiving a timely response and a resolution that upholds the trust and confidence I have placed in your services. 

Sincerely,

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 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted XXXX, the submitted a letter with no proof of any late payments on my part, the did not correct the problem, and they are blaming the reporting agencies,

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 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX, XXXX, and Transunion and I noticed an unauthorized credit inquiries had been made. 

I contacted XXXX, XXXX, and Transunion, who conducted the inquiry and asked them to remove their credit inquiries from my credit report. 

I request that you investigate the inquiries listed on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report.

If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Unauthorized on XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX US SM BUS ADMIN ODA - XX/XX/XXXX XXXX - XX/XX/XXXX Unauthorized on Transunion XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX Unauthorized on XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX # XXXX - XX/XX/XXXX Thank you for your assistance in this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: TX
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:
not mine FCRA violations you should know law if you get ti look at it :!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Account charged off. {$5800.00} written off. {$7000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Account charged off. {$8900.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$52000.00} Status Account charged off. {$52000.00} written off. {$52000.00} past due as of XX/XX/XXXX. 


see attachments for proof of violations and evidence XXXX XXXX XXXX {$52000.00} Closed 35 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount {$52000.00} {$60000.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$13000.00} {$16000.00} XXXX XXXX {$11000.00} Closed 29 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$11000.00} {$11000.00} attachments will show all you need to get it right see Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am officially filing a complaint against Enova International , Inc. d/b/a NetCredit. This corporation is a well disguised, predatory payday/installment loan company taking advantage of individuals in dire financial situations. Customers are lured in with the promise of consumers being able to get access to the credit they need. On their website, they claim that we believe everyone deserves access to credit. Yes, they believe this because they then profit on the disgustingly high interest rates they charge. NetCredit claims they believe our customers come first. This is an outright lie. Enova International , Inc. d/b/a NetCredits bottom-line comes first. Its profit margins come first. It has no care for customers or it would not charge the exorbitant interest rates it does. On its website Enova International , Inc. d/b/a NetCredit makes the claim that they are committed to 100 % customer satisfaction yet it has 62 complaints in the XXXX XXXX XXXX  database with a 1 out of 5 star rating. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. Enova International , Inc. d/b/a NetCredit has 378 complaints filed against them in the Consumer Financial Protection Bureau complaint database. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. 

On XXXX XX/XX/2017, I took a loan from NetCredit in the amount of {$1200.00}. To date I have made 11 payments at the payment amount of {$100.00} each for a total paid of {$2000.00} plus a check payment of {$100.00} which has not been cashed or applied to my account. 

NetCredit states I still have fourteen more payments of {$100.00} each to make. For a {$1200.00} loan, I will end up paying {$3600.00}, more than THREE TIMES the loan amount!! 

NetCredit has received its {$1200.00} back PLUS {$830.00} in interest. This is a rate of 69 %!!!!! 

The XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau can not allow this business practice to continue. It is predatory, obscene greed!!! I am making this complaint to appeal to the XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau to do something about these lenders. It is simply inexcusable how they are allowed to operate. 

I want my account reported as Closed/Paid in Full/IN GOOD STANDING. Enova International , Inc. d/b/a NetCredit will dispute this complaint as it does with all complaints filed against them. Disputing the facts of the predatory, greedy business practices does not mean that they are not predatory and greedy. The numbers do not lie.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It is VERY CLEAR that Capital One Bank has violated my consumer rights, I, XXXX XXXX. 

Dated on XX/XX/XXXX at XXXX XXXX Est, I was on the Credit Reporting Agencys XXXX website and just going through all the negative items on my consumer reports due to all the stress and anxiety these negative items has caused me by all these CROOKS has put upon me and seeking all my consumer rights to resolve the issues. 

However, Capital One is in BOLD VIOLATIONS in various areas.

Here is just one, so, CFPB please pay attention to me, an consumer..

Federal law states below 15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on a
n account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

So CFPB is this very clear to you?

Capital One have violated 15 U.S. Code 1666d - Treatment of credit balances.

Capital One is currently reporting to Credit Reporting Agencys remaining credit balance {$5700.00} Capital One has been reporting an balance since XX/XX/XXXX and has failed to refund me my funds. 

Today is XX/XX/XXXX. 

Now Capital One Bank have my account as Charged Off which will require a 1099c form, and Capital One has never provided me this misleading information 15 U.S. Code 1692e - False or misleading representations. Capital One is harassing me on a daily basis em
ailing me stating I owe them, how? When I am the original creditor.

What happened to The Truth In Lending Act?

15 U.S. Code 1681 Capital One Bank is in violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
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:
Please note XXXX XXXX are reportinga fraud account onmy credit. I ddint open this account, nor did I authorize anyone to utilize my information in order to open it on my behalf. Upon contatcing XXXX  I informed them that the account is fraud, and I was informed that the account will be removed upon payment. I chose to make a payment instead of filing a police report for the sake of time. However, this account WASNT DELETED from my credit ... hence i have filed an FTC report which is attached below.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX a background check was submitted by Checkr on behalf of XXXX, releasing inaccurate & misleading information regarding my consumer report. Stating I have a criminal history from XXXX, which is inaccurate reporting, negative, & outdated, over 7 years old, another charge of which isnt mine, a XXXX XXXX XXXX XXXX  which is not mine as well. I contacted multiple times regarding the issue, they said theyre not changing any information thats on file, based off the last investigation. Truthfully they never reinvestigated, nor contacted local & state police departments for up to date correct report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have disputed the information with XXXX over 30 days ago. I also disputed with XXXX and the information was not able to be verified and was removed and update. XXXX fail to do the same. I am attaching my XXXX report. Please have XXXX to update the records to reflect the accurate information that XXXX has within 30 days.

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 2022-02-08
Company: Experian Information Solutions Inc.
State: MI
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:
These can be combined 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