BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: Atlanticus Services Corporation
State: CT
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I got an email today stating that Fortiva, the company that holds XXXX XXXX " XXXX XXXX '' credit cards, is going up on my APR from 25 to 35 percent in four days. I've held this account for at least four years, pay diligently, and use it sparingly since my initial APR was ~25 percent. When I called customer service tonight I was transferred to " XXXX '' in the XXXX call center. Operator id XXXX ( last digit is a XXXX ). 

She stated this was not penalty pricing for missing one payment last month and they actually refunded me my late fee. 

She said that EVERYONE that has the card is getting this rate increase across all markets in the United States and it based on the prime rate. 

I believe this is a violation of the Fair Credit and Reporting Act and is arbitrary and capricious. I am requesting an investigation of XXXX XXXX XXXX XXXX  Fortiva, based on the premise of PREDATORY lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
These accounts have incorrect information with late payments, please verify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-26
Company: Commonwealth Financial Systems, 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:
On XX/XX/22 XXXX XXXX XXXX added a collection on my Credit Report for {$120.00}. This collection does not belong to me. Upon further investigation. I went online to check the supposedly original creditor and saw the reviews of multiple people claiming this company damaged their credit in the same way and they had never been to this XXXX. and had no idea of this collection. This company is running a scam. I contacted all XXXX credit bureaus and XXXX was going to reach out to them. I wanted no contact with these scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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: Problem with personal statement of dispute

Complaint:
Equifax 's decision to keep certain hard inquiries on my account is highly concerning. Equifax 's hard inquiries do NOT match those hard inquiries I see on my most recent credit report with XXXX and XXXX. Equifax did not provide proof of what the creditors provided back regarding the hard inquiries, also whom I also called and confirmed with each hard inquiry creditor, they do not know who I am and requested I file a complaint with the FTC and CFPB because Equifax did not investigate throughly, which is further proven again by my XXXX credit report and XXXX credit report. 

Confirmation number : XXXX XXXX  times does this investigation state " The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' - I did not authorize anyone to access my credit file, XXXX and XXXX confirmed that these hard inquiries do not exist on my recent credit report with them, respectively. 

Confirmation # XXXX 2 times does this investigation state " " The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' - I did not authorize anyone to access my credit file, XXXX and XXXX confirmed that these hard inquiries do not exist on my recent credit report with them, respectively. 

Please delete these hard inquiries I did not authorize anyone to access my Equifax credit report XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax did not do an investigation at all, I contacted all creditors and they stated that they had never access my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Block, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
At XXXX today XX/XX/2023 i added XXXX $ from my gift cards onto my square business account and updated my debit card information from signal financial to XXXX XXXX the Square application. After completing this, i went to internal transfer and could not. Upon this i opened a ticket on Square and then my account says it will be reviewed in XXXX. by XXXX today I received an " No-reply '' email from XXXX talking XXXX my account has been deactivated, and i won't get my funds until 90 days or XX/XX/XXXX with no explanation, nothing provided. When i called via phone the representative XXXX said to reply to that " No-reply message '' of which i have not received a response. I notified that I would file a police report in my district, report to FTC and file with CFPB immediately. I don't know what business practice was attempted here but this is unacceptable and is what i consider theft. Also, the person XXXX said i should read section XXXX and XXXX from squares policy ( Of which wasn't provided ) in addition to that the sections don't even apply to my person or account. Please advise & assist immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-10-12
Company: Nelnet, Inc.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for the SAVE plan on XX/XX/2023. I have still not been transferred to this plan, and it's XX/XX/2023. I called Telnet repeatedly and could not get ahold of anyone despite waiting over two hours. I finally got someone who told me that it would only take 30 days, and that the interest would not accumulate after the date I applied. However, my interest has continued to accrue and I am still not on the SAVE plan. I can't make payments on my loans until this is fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
Im a victim of identity theft my information was leaked on the dark web by XXXX Im in the process of going through arbitration, my information has been compromised and used to establish fraudulent accounts in my name, I want this account with XXXX XXXX removed from my credit report, or I will seek arbitration to recover damages from this account being open, all my identifying information has been leaked I can provide evidence of that data breach and my information being compromised, example the IRS now considers me a victim of identity theft because someone tried to file a fraudulent tax return in my name try to defraud the government out of thousands of dollars to also show you i filed a police report against XXXX XXXX also because Im identifying information was used to open accounts in my name and a detective guy said numerous accounts were open im just showing you that I am in fact a victim of identity theft .experian please remove these accounts, i have sent a police report showing I am a victim of identity theft, i have now started arbitration against XXXX XXXX and XXXX for compromising my information im sending attachments so you can see I have did my diligence with this situation im also up loading a letter from thf IRS letting me know that I am a victim of identity theft someone tried in XXXX of 2022 to file a fraudulent tax return and tried to defraud the government out of thousands of dollars now I have to use identity theft pin so when I file taxes I have to use that pin so I can identify myself, please remove these accounts XXXX XXXX from my file , Im also showing I have demand for arbitration against XXXX for compromising my information and leaking it on the dark web .my information is on the dark web I can not get that information back and now Im suing XXXX  because my information has been used to open and establish fraudulent accounts in my name .please remove XXXX XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit 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:
In XXXX of XXXX there were several fraudulent charges made on my card. I called the credit card company and disputed the charges, had the card canceled, and just wanted to pay down the card so I declined having a new card sent to me. They did reimburse me for the fraudulent charges so I thought the matter was remedied, and I began to pay off my card balance. Just the other day around XX/XX/XXXX, I logged into my account and saw that one of the fraudulent charges from XX/XX/XXXX had somehow still been charging my supposedly " canceled card '' every month for around {$35.00}. Turns out the credit card company forgot to cancel the credit card number ( even though this is their standard policy and I explicitly asked for this ) that experienced the fraud and I would continued to incur close to {$2000.00} in fraudulent charges over the next XXXX years. I paid interest I did not owe, and my full balance most likely would have been paid off if they had taken care of this correctly. So I called immediately once I discovered this and had to call several times speaking with representatives, a manager, and then the manager 's manager. They found that my story was factual. They said still had the original call recorded from XXXX and verified all I said was true and accurate. The problem is they said they needed " a few days '' to correct everything since in addition to refunding the near {$2000.00} they needed to calculate the incorrect interest and adjust the higher than necessary payments I've been making for the last XXXX years. Anyway it's been more than " a few days '' and it still has not been fixed. They are still charging me the same full minimum payment and I haven't been refunded anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a charge on my " Home Depot '' credit card for {$21.00}. which was due XX/XX/23. I called them on XX/XX/23 to make the past due payment and asked them if they would waive the late fee, which they did. I got a new bill from Home Depot in XXXX for an amount of : {$21.00} ( Previous payment made on XX/XX/23 ) {$23.00} ( Fees charged ) New balance due XX/XX/23 of {$45.00} ( XXXX ) Past due amount {$21.00} ( already paid on XX/XX/23 ) I called them up and had to talk to 2-different Reps. and 3rd one to the Dispute Dept., and they finally agreed to take out all charges. So, now they made it to a XXXX charge amount. So now its resolved.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-10-11
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being continuously contacted by First Credit Services. I spoke to a company representative on XX/XX/2023 at XXXXXXXX XXXX CST I told the representative to Cease and desist all calls at that time and have still been receiving calls continuously after the fact. The debt that they are trying to collect I do not owe and have reported this to the Federal Trade Commission as well as the XXXX XXXX XXXX. The company that First Credit Services is trying to collect for used shady business practices for an auto renewal contract to scam me. I was no longer able to use their services due to a XXXX and the company refused to refund me the money for a membership I had not used in over a year. I will be taking legal action to recover the money I am owed if necessary. I am providing this notice to First Credit Services to cease and desist phone calls to myself again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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:
I have attached an FTC report with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I cosigned on a loan with my Mom to get her windows replaced. We were approved with two different lenders. The contractor ( XXXXXXXX XXXX XXXXXXXX ) funded the job from the wrong loan ( the Greensky loan ). I made greensky aware of this and they refuse to close the account. They have said I'm still liable for the loan even though XXXX XXXX XXXXXXXX made them aware of the issue and had my account credited for the {$6200.00} that was taken out. The balance is now {$0.00} and they still won't close my account. They also pushed back the " complete purchases by '' date without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a derogatory credit mark from XXXX in XXXX XXXX. I called and filed a complaint and they said they would remove the derogatory mark. 

8 months later, its still on my credit. I called later, and now they cant find my account, even via SSN, Email, address, zip, nor any way to remove the credit derogatory mark from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was contacted by who I thoght was Bank of America about someone opening an account in my name. I believed I was dealing with the Bank of American when they asked to me to send a payment of {$3400.00}. Once I realized that the caller ID, which showed the call was coming from Bank of America and was the proper phone number, was not correct it was too late. I contact the Bank and they took my complaint and said I would probably not receive my funds back even though I truly believed I was dealing with the Bank.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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 DONT AUTHORIZE THESE INQUIRIES, PLEASE REMOVE XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America investigation resulted in accounts that i did not access ending in XXXX and i have not been insured! They closed my account without telling me why and i was a member for 6 years. Under a dba XXXX XXXX business account and a personal account was denied several personal loans and i did not receive my 3rd EIP ( Stimilus Check ) Im under Identity Theft and this information is tied to my Ex who's shifted my name all around and using my ssn in the for of a EIN number. I cant open an account anywhere

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 2023-10-13
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$1100.00} United Collection Bureau , INC I dispute your claim and I am requesting validation form you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
-Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy of my signature on a contract or a document that holds me responsible for this alleged debt. 
-Cease any credit bureau reporting until debt been validated by me as required by the FCRA XXXX 
-Send me proof that you are licensed to collect my debt in my state. 
-Send this information to my address listed above and accept this letter- sent as my formal debt validation request, which i am allowed under the FDCPA. 

i will await your reply with the above requested proof. Upon receiving it i will correspond back with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: OR
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:
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 2023-10-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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:
THESE ACCOUNTS IS NOT MINE AND THERE ARE SOME THAT HAVE INCORRECT INFORMATION. 

XXXX XXXX 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 2023-10-24
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed it with the credit collector and credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation