BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: Atlanticus Services Corporation
State: OK
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Was under a XXXX month no interest if paid before the end of the period. From the start I would see accual interest charges being applied to the amount due. I made payment before XXXX XXXX statement was ever billed and assumed that since making payment over the min. due that it was going to cancel out the bill due. It did not, I phoned companey and was told I had to call in each time a extra payment was being made. I did not find this in any documents. Also, I was charged a XXXX USD membership fee at the start. This fee automatucly could set a persons account near the offered limit. I was unaware of the fee and asked to see my acknowledgement of it with a signature, none was ever given to me. The statements are very confusing to understand. Its clear that Fortiva will attach fees etc to make a person have to keep paying over the promo period to collect interest. Tried contacting customer service many times. They have a call center in XXXX XXXX and its very difficult for them to understand. My accoutn was almost paid in full but dealing with them and their tactics it extended me over the XXXX month period and the hundreds of dollars already paid was a waste. My account almost tripled and was XXXX more than original cost of product. I sent by certified USPS a letter explaining the issue in detail. Also asking for all documents proving the amount owed and in other documents to vailidate their charges and fees. It was signed and picked up. No response was ever received as of date. ( XXXX later ) I also ask them to cease contacting me other than by mail and they continue to email and text phone. In my account which I no longer have access to also ask to have all cell phone commication to stop. Even after letter sent they are continueing to mark credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX account # 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

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 2023-07-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I closed all my accounts with Wells Fargo due to inability to reach my advisor to execute trades and very poor/ non existence customer service located in foreign countries and suffered losses as a result. Wells Fargo charged fees to close my accounts as follows : XXXX ( {$120.00} ), XXXX ( {$120.00} ), XXXX ( {$95.00} ), XXXX ( {$95.00} ).

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 2016-11-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a check from a customer for XXXX i made a deposit into my account check was returned due to NSF, bank froze the account and closed it after investigation i was given the balance in the account and was told it is being closed for fraud because i am associated with the company which wrote the check with NSF and i was also reported to XXXX due to which i am unable to open any personal bank account. It is untrue i did not had any association with XXXX that is the company which wrote me the check, I am attaching the supporting documents, In-fact I have a lien on the owners primary residence of XXXX and the owner just filed for chapter XXXX Bankruptcy. Please see the attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2022-05-06
Company: Experian Information Solutions 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:
Here is a proof-positive example, with Experian 's OWN WORDS, proving they break the law and rewrite the law to fit their own criminal nefarious actions of harming me. I have submitted the recordings of Experian saying lies, to harm me, but they deny they said it. Here it is, saying what the identity theft report MUST contain for them to obey the law. The FCRA section 605B does NOT say this. In your, The CFPB, in your own packet based on this law, to meet completely what 605B of the FCRA must contain to have any CRAs block according to the law. Experian breaks this law habitually.

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 2022-07-14
Company: EQUIFAX, INC.
State: TN
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Recovery One, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: VA
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 attempted to contact the credit reporting agencies to correct negative, incorrect information being reported which is causing me harm due to the fact I can't conduct certain business necessary to take care of me and my family 's needs. It is nearly impossible to speak with anyone at any of the CRA 's. The operators either disconnect the call or there is only an automatic response prompt which is never helpful.

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 2022-07-14
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX reported my deceased grandfather 's mortgage on my credit report. We clearly do not have the same Social Security Number, Date of Birth, and living status ( he passed away and I am still alive ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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: Information belongs to someone else

Complaint:
I am interested in processing disputes that will delete all inaccurate information on my credit report with transunion. please review an delete all information listed. this has caused alot of delays in my file. this has been an reoccurring matter that needs to be corrected please delete 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 2023-04-26
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid 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:
I applied, and was approved, for a Citibank , N.A . credit card in XX/XX/2023 for the sole reason of the balance transfer promotion attached to the Citi Simplicity card. The documentation received with the card ( card ending in XXXX ), dated XX/XX/2023, advised my limit was {$3300.00} and the balance transfer option was " 0 % introductory APR for 21 months from the date of first transfer when transfers are completed by XX/XX/2023. '' On XX/XX/2023, I accessed my online account to submit the balance transfer request and the balance transfer promotion was no longer showing. I spent an hour on the phone on this date & the representative located the offer and advised the offer would reflect online by XX/XX/2023. I accessed my online account on XX/XX/2023 and noticed the offer was not there. I began an online chat with a representative who advised she could not locate the offer and advised I apply for a card that has that offer. I feel I was a victim of " click bait ''. Citi responded on XX/XX/2023 advising they will honor the offer. I have since made 3 phone calls, XX/XX/2023 # XXXX, XX/XX/2023 XXXX and XX/XX/2023 leaving a message for a return call as I was advised on XX/XX/2023 that I would receive a call from XXXX within 48hrs to process the bonus offer. They advised on XX/XX/2023 that the cases on XX/XX/2023 and XX/XX/2023 were closed and needed to be reopened. They have yet to process the bonus transfer offer that expires XX/XX/2023. I believe they are delaying this process on purpose.

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 2022-07-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. 
I attended XXXX XXXX XXXX at address XXXX XXXX XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a notification from XXXX XXXX  that my personal information was exposed during a data breach taking place earler this year. 
I also received a notification that a creditor on my credit report ( XXXX  XXXX XXXX XXXX had a data breach where my personal information was exposed. 

I have an inquiry on my credit report that I did not authorize or solict their products. 
XXXX. XX/XX/2023. XXXX I contacted XXXX on XXXX different occassions : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023. On all these occassions I was told that the item would be removed and was giving a conformation number. But whenever I called sharing the conformation number I was told it would take up to 30 days to be removed. During the last call I was told " it was not removed because we could not read your driver 's license '' I asked to speak to a supervisor and was put on hold for XXXX minutes and once someone answered the call was disconnected.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am the victim of identity theft. The fraudster has identifying information that allows her access to my credit reports with all three credit agencies. I have repeatedly attempted to put credit freezes with all three credit agencies, but the fraudster is able to lift the credit freezes. All three credit agencies have incorrect former addresses and phone numbers ; incorrect emails ; incorrect employer ; and XXXX has a security question ( Mother 's city of birth ) established by the fraudster. 

The problem is particularly acute with XXXX. We have attempted to shut down our XXXX account and open a new one with new credentials, but XXXX has not allowed us to do this. It is almost impossible to contact a live representative and they have told us we have to wait but have not informed us of when and if they take action. Meanwhile, the account remains compromised. 

In mid-XXXX we shut down online accounts with XXXX and Transunion and opened new ones. But the fraudster has already somehow changed the username, email and passwords on those accounts. We believe the gateway for doing this is through XXXX. 

Recently the fraudsters have lifted the credit freezes to open credit card accounts with XXXX XXXX and XXXX. Both companies alerted us and those accounts have been 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 explanation
Consumer complaint received 2016-11-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have notified Equifax numerous of times through phone calls and through XXXX certified letters. No response from Equifax!! Pertaining to my Chapter XXXX Bankruptcy that has been placed on my credit report. I understand that my bankruptcy remains on my public report. The U.S. Bankruptcy Court and credit bureau are not affiliated in any manner and the court is unaware of their process and or procedures for reporting or removal of information from a credit report. In addition, the U.S Bankruptcy Court does not report or verify information with the credit bureaus. The credit bureau have their own procedure for retrieving information from the public record of the U.S Bankruptcy Court and the court has no knowledge in this regard. I ask Equifax to validate ( XXXXx 's ) with the United States Bankruptcy and provide me with copies of and documentation associated with my Bankruptcy, bearing my signature. After, the XXXX attempts and no response, because they ca n't show me proof with my signature. Failure to respond satisfactorily within 30 days, will result in a small claims legal actions against the company. I will be seeking a minimum of {$5000.00} in damages for violation of the Fair Collection Practices Act, Negligent of Identity fraud and Defamation. I formally request that this information be immediately be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Resurgent Capital Services L.P.
State: AL
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:
According to the law in my state the debts in question is past the legal statute of limitation under contract law to collect. I lived in Alabama. 

LVNV Funding LLC is suing me for {$2100.00} LVNV is trying to collect {$2800.00} LVNV is trying to collect {$2800.00} LVNV is trying to collect {$6600.00} XXXX XXXX is trying to collect {$650.00} XXXX XXXX is trying to collect {$550.00} on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: PA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account from my credit report : XXXX XXXX XXXX : {$0.00}

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 2021-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
After reviewing my credit report and noticed that my credit report had old, outdated information. The specific item in question is a Mortgage entry in my credit file. On the report this entry is listed as closed by Bank of America. Including the following information, the date of last activity which was XX/XX/XXXX, date it was reported XX/XX/XXXX and the date when the account was closed which was XXXX of XXXX. 
Based on this information on my credit file and my understanding of the Fair Credit Reporting Act which states credit bureaus are to automatically delete old outdated negative items from credit reports, I asked XXXX  to remove the old outdated information from my file. On its website XXXX  states the following closed accounts stay on your credit report for up to ten years from the date of last activity. Since the last activity date on the item in my credit file was XX/XX/XXXX which is which is 11 years well beyond the time allowed by law to remain on file. I asked XXXX  to remove the old outdated information from my file however as of XX/XX/XXXX they refused to remove the information. XXXX  stated they contacted Bank of America and they stated the account listed on my file was still open and when I asked XXXX  stated BOA did not provide any additional information. 
At this time I questioned how BOA reported the account closed on XX/XX/XXXX but now BOA is now saying the account still open. I asked the XXXX  employee XXXX XXXX XXXX regarding the discrepancy on Bank of Americas reporting. I argued that the account on my file was already reported closed in XXXX which she herself confirmed after doing research on my file. I asked if they would do any additional investigation into this matter. I questioned the fact of how after reporting the account closed back in XXXX, BOA is now saying the account is still open and her response was sir it doesnt work that way. We dont do any additional investigation we just report the information we get back from them, I asked wether the info was right or wrong and her response was we dont verify anything we just report the information we get. 
This is outrageous. 
1. XXXX  has not been in compliance by failing to automatically delete old, obsolete, and outdated information from my credit file.

2. XXXX  rubberstamps into consumers files incorrect information provided to them 3. BOA listed the information I wanted removed from my file as closed 8 years ago and the last activity took place in XXXX of XXXX. 
4. BOA reported to XXXX  the item in question on my credit file is not closed but rather is currently open.

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