BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-17
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Originally obtained a loan in the amount of {$5200.00}. I had every intention of paying it off within a month. Of course things occurred & that didn't happen. At the time of applying for the loan I was told it would be at 5 % interest. Silly me, was in a hurry & they were rushing me to lock in this rate. Well, I unfortunately was misled & clearly didn't understand/ read the loan documentation or contract. Because, as I've consistently made on time payments of {$130.00} bi-weekly since XX/XX/2017. And, for some odd reason I've only paid down my loan to {$4900.00} So, now being a single Mom to a XXXX child who receives Absolutely No Government assistance at all due to my salary. I start to wonder to myself gee {$130.00} Bi-Weekly 21 payments that's {$2900.00} and I've only knocked off {$220.00} off the loan? Now, figuring this is absolutely insane & finding out I am being charged 64.75 % interest?? I thought a credit card company charging 20 % - 28 % interest was ridiculous. But, a loan company being able to charge up to 100 % interest should be absolutely illegal. And, I am trying my hardest to find a way to pay off this loan ASAP. I REALIZE This most likely will do no good. But, I've requested a payoff from this company & I was told there's no pre-payment penalty from the very beginning. If they try & charge me any more than I currently owe, I will fight this & will take action with the State of Missouri for them being even allowed to operate & prey on people. No loan should ever be over 30 %. I make good money, had decent credit at the time of this loan & was given a 64.75 % APR??? This just floors me, that the Government would even allow this to be allowed! No wonder why people are in debt, can't afford to live on a decent income, & will always be in debt because of companies like this!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have been trying to resolve issues with this company named XXXX XXXX XXXX reporting inaacurate information on my file. I hereby dispute this account on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
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:
violation of the Fair Credit Reporting act by allowing XXXX XXXX XXXX and XXXX XXXX XXXX to harass me by reporting inaccurate information on my credit report! The violations are as followed : failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.

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 2019-03-07
Company: Experian Information Solutions Inc.
State: NJ
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 placed negative information on my report that doesn't belong to me

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 2018-09-22
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was granted a simple interest loan, with an 18.2 % interest rate which I understand to be the default rate for borrowers with poor credit. I understand that, but the issue I have is that, although I've made some but not all payments, my loan balance has not amortized. I've mentioned this to the company ( Santander ) on two separate occasions, but received no explanation why this is the case. So, the monthly payment is being applied as interest, none to principal. As a result, the loan 's interest rate is effectively 27.6 %. I have calculated a loan amortization schedule, incorporating the details from my loan, and the monthly payment amount " works '' ; so I'm not sure what the Bank is doing, but no change has been made or explanation given.

As of late, I have fallen three months behind in my payments, but just called today ( XX/XX/18 ) to inform the Bank that I was going to bring my loan up-to-date next week, when I receive additional income. Instead of noting such, I immediately got the third degree of can I pay today, why haven't I paid, etc. I got angry for being treated this way for the " nth '' time, and their response was : your car was assigned for repossession ; so we need to get you under a certain number of days past due, etc.

I understand that I'm delinquent, but there's only some much someone should take when a borrower is distressed but trying to be compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Ascendium Education Group
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing XXXX  credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit. Accounts display no payment history, nor updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Terrill Outsourcing Group
State: FL
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:
On XX/XX/XXXX I spoke with a Rep by the name of XXXX XXXX He called my work line and I advised that it wasn't a good way to contact me as I was at work. He proceeded to try and keep me on the phone after I advised I was working multiple times. I told him the only # to contact me would be my cell phone #. He still proceeded to go over the account with me after I advised I couldn't speak at the moment. I asked that he email his offer. He sent me an account overview that did not include the offer he made. I attempted to call him back on XX/XX/XXXX at XXXX est but he did not pick up. he proceeded to call my grandmother on XX/XX/XXXX after I advised I could only be reached at my cell phone #.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm distressed. Sent investigation on XX/XX/XXXX - XX/XX/XXXX to the Credit Bureaus. 
There's been little to no sign of investigation on any of the accounts questioned and no information has been sent from the bureaus or collection agencies. My credit report hasn't been updated to show accounts have been processed and disputed.

Accounts false and unknown. The companies have not reached out as well.

Moreover, the bureaus have been deleting accounts that weren't questioned and reporting open and positive. Why would the Credit Bureaus delete open accounts. There was a XXXX  removed from Experian and XXXX  and added back without my knowledge and it's my understanding I should've been notified ( Account Number : 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 2020-07-07
Company: Experian Information Solutions Inc.
State: GA
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: MN
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The check I received from work ( XXXX XXXX XXXX ) on Friday XX/XX/XXXX for {$440.00}, which I have been depositing through Bank Of America ATMs for the last two years and which have always been paid out by the company and never caused problems. was placed on a hold by the bank. Upon calling Bank Of America to inquire about this the next morning, I was informed that the hold would last until the XXXX, and that my first {$200.00} deposited would be made available the morning of the XXXX. I need those funds to make payments by Monday XX/XX/XXXX, but the bank representative I talked to was extremely unhelpful, saying that there was nothing they could do to reverse the hold or push up the payment of the first {$200.00}, which according to their policy must be made available the day after my deposit.

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 2018-09-22
Company: Experian Information Solutions Inc.
State: GA
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:
I have been trying to disputes these debts since XX/XX/2017. Have sent letter by certified mail continuously with no response from either of the credit bureaus other than the account has been verified its mine. I have asked over several occasions please provide proof of verification, results from the investigation and where did the information from the investigation come from. I have contacted the collection agencies for proof or validity of the debt no response other than copies of statement for three random months that could be fake with my name on it. And the information is correct to any address I ever live.

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 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$180.00} Account Name : XXXX Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account Balance : Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance :

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 2019-02-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied and received a XXXX XXXX American Express card. Their brochure specifically states that if I purchase a flight on XXXX using this American Express card, I would receive my first bag checked in free. On XX/XX/2019 I flew from XXXX XXXX to XXXX XXXX on XXXX and since I used my Amex card, I got my bag checked in for no additional charge. Now on my return flight, they insisted on charging me for my bag ( I carried it instead ). The main reason to get the XXXX Amex card was for this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX has recently settled a 33 state class action Lawsuit for predatory lending practices. In the settlement, XXXX has agreed to relieve all defaulted loans and help repair credit of individuals affected by their actions going back to XX/XX/XXXX through XX/XX/XXXX. Ive attached a copy of certified mail receipt as confirmation letter was sent and I requested deletion of this account. But unfortunately Experian has continue to report this account. Verifying it when I didnt request validation further causing me to wonder if an actual investigation took place? If not thats a violation within itself Despite the fact that other agency deleted the account please assist me with 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 2018-09-22
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2018, I visited Citibank XXXX XXXX and opened a checking account. My account number is XXXX. I was served by XXXX, XXXX XXXX. He promised me I could receive a XXXX dollar bonus after I deposit XXXX bucks in 30 days and keep it for 90 days. I did accept this offer and I did a deposit. 

Later, I wait till XXXX and there is no bonus appear. I went to CITIBANK online chat and was told I have to wait till XXXX. Then I wait till XXXX. and no bonus appear. I made another online chat on XX/XX/2018, and was told I have to send my XXXX form because of the banker 's mistake. The person I chat with is named XXXX. She confirmed my bonus, and said I have to wait another 14 days. Well, I send the form to Citibank, and then I wait another 2 weeks. 

Today on XX/XX/2018. I made a third-time online chat. The customer representative named XXXX said she can not find the account bonus, refused to do further investigation for me, and urge me to go to branch, which is 300 miles from my current address. She said the bonus is end on XXXX. But at the moment I check with them on XXXX and XXXX., they just let me wait!

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 2023-08-17
Company: Albert Corporation
State: OH
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:
The company belonging to the app named ALBERT has made multiple unauthorized transfers from a checking account to an account with them. I signed up to make my own transfers, XXXX, from a savings account attached to the checking account. These transfers have ranged in price from $ XXXX {$35.00} - multiple times each and has caused multiple overdrafts since XX/XX/2023 until current. It has been over {$80.00}. On XX/XX/2023 they charged me {$140.00} for a year subscription that I never selected. In order to receive a refund for that amount, they told me I HAD to commit to their $ XXXX monthly plan. I just want my account with them closed and reimbursed for any of my money that they still have.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: PA
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 writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. I have no idea who this person is that has my SS number and Birthday. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$33000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$410.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$6500.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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