BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: CT
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 Account # XXXX, # XXXX and # XXXX has violated my rights. 

15U>S>C 1681 section 602 A. States i have a right to privacy 15U.S.C. 1681 Section 604 A section@. . It is also states a consumer reporting agency can not furnish a account without my written instruction

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 2023-05-24
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: Information belongs to someone else

Complaint:
I have been trying to get this issue resolved since the middle of last year XX/XX/2022. There are fraud accounts that are reporting that the companies keep verifying but fail to send me the steps or proof of how they verified thus information. As a consumer I have rights and I know that what the companies are doing is illegal. Per 15 USC 1681B If i state an account isn't mine it must be removed. AGAIN No one has sent me a wet signature confirming that it was me who created these fraud accounts! This is distasteful and I am going to take legal action if this matter isn't finally resolved once and for all.

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 2018-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, Back in XX/XX/2017 I had went into a location and used my debit card to make a one time purchase. After weeks went by the third party merchant started taking reoccurring funds off of my debit card without my consent. I didn't sign any contracts authorizing this. Bank of America refunded my funds in the beginning but then a few weeks later my funds were taking back from Bank of America, they inturn told me that it was my word against the merchant. Please 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 monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-05-16
Company: Crow Creek Sioux Tribe
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
A couple months back I took out a {$1100.00} loan from XXXX. Since then, over {$3000.00} in payments have been made to the company. I know have a balance of {$1800.00} due to 2 returned payments and their interest rate of over 700 %. I called to see if a settlement on the loan can be made, although I paid beyond the principal balance and they are an illegal entity. They denied any option of a settlement. 

- 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 2023-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion and XXXX show debt by XXXX which is outside the SOL for the state of California.

The SOL for California is 4 years.

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 2018-09-29
Company: CITIBANK, N.A.
State: CO
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: Problem with personal statement of dispute

Complaint:
Hello! 
Let me explain the situation. 
I have a credit card from The Home Depot/CitiBank. I'm always payed my balance in time. But in XXXX and XX/XX/2018 I miss payments, because I never receive any notifications from creditor about my debt. And creditor reported to the credit bureau about late payments. I realized that I have late payments just in XX/XX/2018 when I check my credit score and it was decreased. Now I payed my balance in full.

Now I tried to figure out with creditor how to remove late payments from my credit report. I sent them a letter with explanation why I miss payments. After investigation the creditor said that it wasn't their error. And creditor could not make any changes to fix this error and fix my credit score. Now I'm going to apply for mortgage and fixing my credit score is very important for me.

Thank you and have a great day!

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 2019-03-07
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had told the rep to quit calling me and that the debt owed was from 8 years ago and once I was caught up with my bills and debts plus a student loan I would consider paying back the XXXX I owe. 

They somehow got a hold of my private landline I only use to make calls to pay bills over the phone and to contact my family out of state. So not only have they been recently contacting me on my cell but now my home phone. 

I called back the number on my landline and told them once again to quit calling me or id have them reported but now I feel that its no bother to them and for all these last 2 reps ive spoke with their ENGLISH was horrible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Starting on XX/XX/XXXX and for one to two days after, approx. {$6000.00} in cash transfers were initiated without my approval, nor were they me. 

USAA was contacted, as they have every time an issue has since happened. 

My profile was hacked, a new card was being sent, and the address was changed for it to go to Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Since I opened the account a year ago I have been getting charged overdraft fees. Ive written, called, and went in to tell them to turn it off. Now it is getting ridiculous. I am getting charged 2-3 times for every overdraft. {$72.00} for a {$1.00} overdraft. It is wrong in times where the world is in a pandemic. It is greed like this that has taken away humanity in the world. I am a XXXX XXXX XXXX with no job and no unemployment. I do not need my bank robbing me of XXXX  of dollars charging me 3 times per overdraft fee. I feel like it is illegal and wrong that a company can do this and get away with it.

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 2019-03-07
Company: Collection Bureau of America Ltd.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This issue is related to a breach of contract for services not rendered by the merchant and a cancellation of those services under the contractual cancellation policy included in their agreement they refused to provide under the contract handwritten at XXXX XXXX in XXXX XXXX WA,XXXX as you can see in the contract attached it provided XXXX cases of bottled half liter size water every delivery and the documentation refers to see reverse for more info and the reverse page is not included. The company refused to honor the bottled case of water included in the contract but later said that was a promotion and sign on bonus one time only. Also you can see by the invoices provided that they never delivered those bottles of water. The cooler has been available for pick up for nearly 5 years at the same location and no one seems to want it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I keep trying to call Navient and they wont answer the phone. I have been trying to request deferment due to covid 19 pandemic. My mother has been is hospitalized with XXXX and XXXX and I cant work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Experian Information Solutions Inc.
State: OH
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:
Experian intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim.

Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq.,  remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.

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 2023-07-08
Company: EQUIFAX, 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:
I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX. 
They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have wellfargo cash wise card since XXXX, my card was damaged so I requested for replace my card in XX/XX/XXXX so I received new card in mail but I never activate this card till today. On dated XX/XX/XXXX I got a text msg from well Fargo fraud alert ( Verify Wells Fargo activity. Card XXXX {$110.00} @ XXXX XXXX # XXXX {$110.00} @ XXXX XXXX # XXXX Reply Y if recognized, or call XXXX. STOP to stop msgs ) .I called up wellfargo so the block this card and they said someone tried but transaction declined. I just want to investigate that how come my non active card use by other. How come this card data skimmed by fraud people.I have called up several time to their fraud department but not a favorable 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 explanation
Consumer complaint received 2020-11-25
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
2 fraudulent checks were withdrawn from my account with M & T for {$1000.00} in early XXXX I believe the date was XX/XX/11. 8 checks tried to be withdrawn but since I only had available funds for 2, only 2 checks went through. Each was made out to a different name and I did not recognize any of them. Checks were deposited in XXXX  XXXX XXXX accounts Check were manufactured with check numbers out of sequence. All information on the check was typed. Check had my signature on it and resembled a check I had written a few days prior. I filed a police and sign the affidavit with the bank. No one got back to for months. I called several times and they had no updates for me. In XXXX the bank closed the account and then sent to me collections for overdraft fees from the checks. I was told those fees would be waived once this issue was resolved. I went into the branch end of XXXX/early XXXX and spoke with the branch manager. She said everything was filed correctly and that they should have opened another account for me to attach the case too. She also said that I should have been given provisional credit, which I was never given. She called the department handling the case and started emailing them. She said she would call me with updates and gave me her card. She called me the next day and said they were working on and it since my account was closed they wouldn't need to open another they would have the money added to the branch and give me the funds from there. I emailed the branch manager and called her direct line several times over a 2 week period. I finally had to call the branch directly to get a hold over her. She told me that they declined my case, she couldn't give me a reason and said that she opened another case. I asked for the number of the people handling my case in fraud and the investigator, she could not give me either she gave me the 1 800 number for the fraud department and said if I called them they would just put an alert on the case. This has been 7 months of terrible customer service and communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: EQUIFAX, INC.
State: NC
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:
In XX/XX/2018 I pulled and reviewed my credit reports and I noticed that many fraudulent accounts were listed on them. I desperately need these fraudulent items removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: NJ
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:
there are numerous inquiries on my XXXX credit report which i NEVER authorized or have seen before XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: WI
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 did not open these accounts and I strongly suspect that they are fraudulent.

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 2020-03-16
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: Information belongs to someone else

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 non-monetary relief
Consumer complaint received 2021-11-29
Company: SIMM Associates, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received notification about a collection account on my credit file. No validation that the debt belongs to me. This company is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
there are numerous inquiries on my XXXX credit report which i NEVER authorized or have seen before XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : 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 2023-07-08
Company: EQUIFAX, INC.
State: LA
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27
Company: WESTERN UNION COMPANY, THE
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Western Union issued a withdraw from my bank account without my authorization. I am not a Western Union customer and this was done without my permission or the permission of any name on the account.

On talking with Western Union, the money was said to have been transferred to XXXX and there is nothing they can do.

Company response to consumer: Closed with explanation