BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My name is XXXX XXXX, am writing to you because I got rob at being of XXXX year XXXX, and they got a hold of my credit card, at the time where this happened I was in XXXX doing a project for a business, I try to cancel my credit card through the app ( XXXX  XXXX XXXX ) or report it stolen and it would only give me the option to call the bank which I was not able to do, because in XXXX you cant do international calls, I just got back to the states the XXXX of XX/XX/XXXX, I went directly to my bank ( XXXX  XXXX XXXX ) and reported my stolen credit card, they were able to resolve on their part of the end, they got me a new credit card and return the money that was stolen, the last 3 months I have not payed my mouthy fee because as I said my credit card was not in my possession and every time I would pay it, they would use it again. As of the resulted my credit score has decreased, I would like to know what I can do in this case, I have always been on top of my credit score but in this case, I didnt really have an option. 
In XX/XX/XXXX my XXXX score was a XXXX and XXXX XXXX is XXXX, how can I fix this.

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 2023-10-20
Company: EQUIFAX, INC.
State: TN
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:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
NetCredit charged me an exuberant interest rate @ 65 %. The minimum rate for the State of South Carolina is 39 %. According to SC State law anything above 39 % is considered ( Usury ). Sent a certified letter to Netcredit on XX/XX/2022 in efforts of lowering my interest rate to the minimum allowed rate here in SC where they're license to do business with fellow residents of the same. Placed several calls to Netcredit in order to ascertain their decision. Met with negative results on each occasion. My payment history has been performed as promised up until this point. That said, I respectfully request your assistance regarding the interest rates in question. Thanking you in advance for your prompt and professional handling of this matter...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Continental Finance Company, LLC
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/2022, XXXX Continental Finance Conmpany LLC added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account 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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

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 2022-06-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, TX, XXXX Account - XXXX SPS Select Portfolio Servicing https : //www.spservicing.com/ To whom this may concern, I am writing this letter to support my loan modification plan for The property of XXXX XXXX XXXX, for loan I intend to retain and stay in my house ; my hope is that the loan modification will allow me to get my loan in order and back on the path of consistent payments. 

Due to my illness ( I have XXXXXXXX XXXX ) I had to stop working due to difficulty in both driving and going to and staying at work, this caused a total loss of my income and ability to support my house financially. My wife took over financial responsibility ; my wife alone is economically supporting the house. 

A loan modification would be of profound value to both my family and me. Our hardships will be dramatically reduced. I am deeply in the desire to retain this house both for myself and my family. 

I hope that we can work together, and quickly modify this so that I may begin to make the payments as soon as possible.

You may contact me at XXXX and/or XXXX Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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 information incorrect

Complaint:
XXXX closed my account without my consent and opened and reported a new account on my credit report which in turn destroyed my credit. I would never have consented to a new account since XXXX and it's customer service are horrible. I've called and was told they ended the advantage program and took the liberty to start a new account without my permission or knowledge. Had I known they planned on adding a new account to my credit report I would have told them no and refused to open a new account since I keep track of and know my credit. Just because a business decides to do whatever doesn't mean they are allowed to irresponsibly report and negatively affect it's customers. I closed the account but need all information dealing with it removed from all my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2023, XXXX XXXX and I negotiated an verbal contract to settle in full to my auto loan in the amount of XXXXXXXX XXXX had giving me a time frame to release the funds no later then XX/XX/XXXX of XXXXXXXX XXXX received the amount in full as agreed on XX/XX/2023, which the account should have been closed and as in good faith standing. then I went to two different auto dealers to get an auto loan and both dealership informed me that no lender accept me for an auto loan, due to XXXX XXXX reported on my credit reported Negative and derogatory remarks which includes an I9 ( charge off, repo ), and the I4 rating ( late payments ). My account was settled in full and not a charge off./repo.

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 2022-04-24
Company: Atlanticus Services Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have had several credit cards comprised threw out 2021.some transactions have been fixed but still continues to happen now my credit is ruined.most of which don't understand English and nothing has been done so I gave up.i asked to be canceled and they said it could not happen until balances were paid in full.cards were as follow Aspire XXXX XXXX XXXX XXXX XXXX XXXX And there was also one opened in my name that I kept getting turned down for even with a pre-approval. Turns out it went to collections and they said I have had it since XXXXmy credit is ruined and nowhere to turn XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
While recovering from a medical illness a few years ago, I was advised to file for bankruptcy. About two to three weeks after filing, I withdrew the application. No decision or verdict made. I withdrew the application for bankruptcy. Transunion penalized my credit score for applying despite changing my mind. That is unfair and restricts consumers from looking at all options when life gets complicated. My credit score for Transunion is XXXX, while it is XXXX for XXXX. Granted, neither is excellent, but at XXXX, I am eligible for a VA loan. 


I filed a dispute, and a decision was made, but I could not access that decision. I called Transunion because I could not log in to access their decision. A representative stated he would provide a temporary password to override the suspension on my account. I tried to log in too many times. He did not follow through. 

Transunion is a colossal company whose credit score affects my life. Yet, its customer service and experience frustrate me when I request help. They are unhelpful and put my life in jeopardy with their determination to limit my access to credit.

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 2022-09-20
Company: Bread Financial Holdings, Inc.
State: FL
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:
XXXX XXXX Received YOUR response on my complaint. I still to this day have not received anything stating they denied the claim. I was told when I called in the complaint that not to pay the item and disregard the late fees and interest. I was confused on their reply, they did not even investigate the complaint. I called XXXX XXXX and was told they had not call on the charge. I have been as customer for more than 25 years on this card. It is great until you have a problem I had to mail in XXXX letters to XXXX different address and was told they never got them. on my XXXX call to the customer care ( a joke ) one person told me I need to do this on line. Which I did, I believe a total of 5 times and sent in all the information along with the reservation print out that states it is a free cancellation. They did not even call rXXXX  or XXXX to find out why both charged a fee of XXXX. Within XXXX minutes of my booking I called rXXXX and was told to late so sorry. I then called COMENITY BANK and told them not to pay this amount, was told can't do this until it hits your bill. Call back in a few days ... which I did. This is when this bank turned XXXX and XXXX. I would like the information they received when they investigated this and the people they spoke with. This is not a BANK it's a loansharking operation. Their reviews should have already shut them down. Who will investigate them?? This amount needs to be removed from my closed account. The only call I received from the COMENITY BANK WAS FROM THEIR COLLECTION DEPT. HE HAD NO CLUE ABOUT THE PROBLEM AND COULD CARE LESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2020-04-16
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:
I have been trying to get ahold of Bank of America for 6 weeks to ask where is my EDD debit card. The funds are going on and have no access to the funds because Bank of America refuses to answer my questions. I have been out of work for 6 weeks at no fault of my own and I can not get my funds I need to survive.

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 2023-10-20
Company: EQUIFAX, INC.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$950.00} XXXX XXXXXXXX XXXX Balance : {$310.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX XXXX  XXXX Balance : {$200.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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 Report act XXXX Account # XXXX XXXX XXXX, # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 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 writing 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 2023-09-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
While working with XXXX insurance to update my direct deposit account for XXXX reimbursement on XX/XX/XXXX, they mistakenly sent the reimbursement of XXXX $ in my name to the wrong USAA bank account. XXXX contacted USAA bank multiple times to reclaim the funds but USAA never replied to them. I contacted USAA multiple times, to complain about them allowing the transfer in my name to another 's account. I provided all documentation from XXXX, and USAA said they would do a ACH check. The next day they replied and said there was no problem with the transfer. I contacted XXXX and they again attempted to have their bank, XXXX XXXX USAA for the return of funds but USAA never replied to them. 

As of now I believe I've exhausted all options I have to receive my money, and I'm still wondering how USAA would allow a transfer into an account when my name was listed as the beneficiary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently pulled my credit report and reviewed several unauthorized consumer inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 15 U.S.C. 1681 ( b ) states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681 ( e ) of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681 ( b-f ) I have never authorized any transactions with the following companies listed below As well as I do not have an account as defined under 15 USC 1693 ( a ) 2 with any of the below listed companies of any sort. 

EQUIFAX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief