BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-05
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed approximately XXXX dollars from this company more than 1 year ago. After making 14 months of payments in the account of XXXX each, the company shows that I still owe in excess of XXXX. It appears that the total payments will exceed XXXX after 2 years. 

I was told at the outset that this was a simple interest loan. I have been trying for over a year to get someone to explain how a simple interest loan can escalate into an amount that nearly tripled the original debt. 

I am trying to get this agency to stop its predatory lending practices to the elderly and poor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bayview servicing illegally forclosed on my propertyat XXXX XXXX  XXXX XXXX .XXXX  mass broke the non-judicial laws of the safe of mass and consumer protection act banking law XXXX A never helped to modify my loan .XXXX XXXX and XXXX. XXXX filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the pysical verification of the original signed consumer contract -any and all accounts you post on a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, hard inquiries on my transunion and XXXX cred report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Six months ago, I placed in dispute a series of recurring internet-site charges that were showing up on my TJX credit card account backed by Synchrony Bank. I rarely used the card and had a XXXX  balance before this started taking place. The bank continued to charge me for the disputed charges and continued to charge me late fees for not paying the charges I had placed in dispute. When I called on multiple occasions to recitfy the matter or get a status update, I was told a ) that the bank had received payment from the internet-site, but that it had not been properly credited to my account and b ) that they would recitfy the matter and the correction would show up in a billing cycle or two. Every month, I received a new bill, at first with additional charges by the internet-site, and also with late charges for disputed charges I would not pay. After a few more months, the new charges stopped appearing, but there never was a credit for payments received by Synchrony from the internet site, and they continued to charge me late fees and new monthly late fees. I made repeated calls and continued to be told the resolution was underway, just wait another billing cycle and it would appear. When /i realized I was getting nowhere, I wrote to the bank, and mailed my letter and copies of statements both to the billing/payment center and to the headquarters address for Synchrony printed on my statement. I received an email stating that my complaint had been received and was being addressed. Then I received two more monthly bills still showing the disputed charges and all the late fees for not paying the disputed charges. This month, in my statement for payment due XXXX, the statement finally shows the originally disputed charges credited back, and the initial late charges related to the disputed charges refunded ... but they STILL included two months of late charges upon which they are charging MORE late cjarges. i do believe ALL the late charges, which relate ONLY to the disputed charges and nothing else, need to be erased. AT this point, they are simply charging me late fees because I havene't paid the late fees on the disputed charges that they were refunded by the internet site! I have repeatedly asked TJX/Synchrony  to close my account with a XXXX  balance, and it seems impossible to get the account closed!!

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 2020-01-26
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My Coinbase account was restricted with unknown reason but they hold my funds.This company is scam.Even if when we deliver our problems, they take us for granted.without answering even in five months. 
Username : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: BB&T CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On sunday I was depositing cash at the BBT ATM machine, the ATM rejected some of the bills and started to return them to me but I was unable to get all the cash before the ATM took the remaining cash back into the machine and shut down with no receipt. I only got XXXX dollars back out of a XXXX dollar deposit, and when called they said it would take a couple of days. This created a couple of overdrafts and they have not refunded the fees.

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 2022-11-19
Company: EQUIFAX, INC.
State: OR
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 ordered a copy of my report in XXXX  dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 

XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
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: Information belongs to someone else

Complaint:
Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020 I received a copy of my credit history report from Equifax. That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with Better Business Bureau, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
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:
SOMEONE USE MY IDENTITY AND OPEN SEVERAL ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE THESE ACCOUNTS WAS OPEN BY THE THIEF THAT USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENTI am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-07-31
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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: Account status incorrect

Complaint:
On XXXX paid XXXX in full for removal. XXXX has removed it XXXX has removed equifax has not it has been disputed many of many times in 2022. Equifax has not looked into dispute because it would have been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: AR
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 identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$710.00} XXXX XXXX {$130.00}

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 2019-03-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I notified a merchant XXXX XXXX that I will not be renewing the policy with the insurer carrier. I also XXXX the automatic billing portion listed on the account. On XX/XX/XXXX I received the bill for {$790.00} that is unauthorized charge as the policy has been changed to my account anyway. I contacted XXXX XXXX and the response was that they are going to investigate the matter as they acknowledge receiving the XX/XX/XXXX phone call. 
The same day onXX/XX/XXXX I contacted BMO Harris the card in the intention of disputing the purchase. As result I have dealt with a surely and completely unprofessional agent that made the process very difficult as well as personally insulting me ( addressing me by my first name basis several time ). As result of the " treatment '' I decided to cancel the card. 
It is my impression that despite what I was told the BMO Harris is not going to process the dispute and it also refused to refund the rewards balance {$12.00} I have accrued as their card member by giving thousands of dollars of business tot hem. When I requested to be credited to my account in form of check I was told that it is not " how it is done '' and that the points will be forfeited. 
It is also troubling that the bank doesn't protect its customers from unauthorized purchases such as this with the excuse in this case of being the " recurring '' purchase. The purchase was not authorized to be recurring and the bank failed its responsibility to protect me from unauthorized use of the card. Why the bank feels it doesn't need to contact the cardmember to verify the transaction is beyond me. 
It is truly telling on how the bank treats its customers irrespective of whether they are in good standing or not. 
This is not how anyone should be treated thus I will no longer use their services. I also cancelled my upcoming car rental in XXXX that was made using BMO Harris Card services.

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 2018-01-21
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX- XX-XX-2016 Experian XXXX XXXX XXXX -XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 The inquiries that I have written above are unauthorized. I did not allow anyone to use my personal information to obtain goods. Experian and XXXX have not removed the fraud inquiries from my credit report even though i have disputed them multiple times.

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 2021-08-10
Company: EQUIFAX, INC.
State: NJ
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:
As of XXXX of 2021 I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/2021 and still no response I need this DELETED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
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: Information belongs to someone else

Complaint:
I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX and I am a victim of identity theft, as i previously notified Experian. I am not a third party. and I already gave permission thru the CFPB. But as per Experian 's request, I XXXX XXXX XXXX give authorization to Experian.

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 2022-11-19
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:
In accordance with the Fair Credit Repprting 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, 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 check my credit report and notice some inaccurate addresses on my report thats not mine and i would like for them to be delete it from my credit report.i have attached an update letter to correct my personal information stated on XX/XX/2020 to the XXXX, EQUIFAX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: MD
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:
In a previous complaint submitted through the CFPB, # XXXX, I communicated how Equifax had inaccurate information on my consumer report regarding the following account : XXXX XXXX XXXX XXXX XXXX # : XXXX. As a result of the investigation, the company concluded that the information I pointed out as inaccuracies were indeed inaccurate. They completed the account as updated and verified. 

The company stated in their solution that HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, ADDITIONAL INFORMATION, ACCOUNT HISTORY all were in fact inaccurate and have been updated. Resulting in 5 inaccuracies that were admitted by the company. 

Also, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) ( b ) ( iii ), I requested a description of the procedure used to determine the accuracy and completeness of the information and which they did not mail as a result of their solution.

Company response to consumer: Closed with explanation