BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Mariner Finance put a bank levy to garnish funds without notifying me. They sent no Notice of Garnishment. They didn't make me aware via telephone nothing. I called on XX/XX/XXXX and XX/XX/XXXX and left a message sharing that I would not be able to make my payment until the end of the month. I received no return call and on XX/XX/XXXX all of my funds in my account were frozen. The bank told me to call Mariner finance they wouldn't tell me anything about the Garnishment. I called on XX/XX/XXXX repeatedly. Noone answered. I called back and complained on the answering machine about 20 minutes later. No response still. I called back about an hour later and suddenly the answering machine was changed and XXXX XXXX stated she would not be in the office until XX/XX/2022 I complained again and stated I would be filing a complaint. Suddenly the branch office calls me and tells me I have to talk to XXXX in collections. 
I call XXXX in collections again because she is who I left the messages with on XX/XX/XXXX. I get the answering machine. I call the branch office back to complain they transfer me over to collections and then I am told to leave a message on yet another collection managers answering machine and they will call me back because XXXX won't be back until XX/XX/2022. I never receive a call back from any manager. 

I call XXXX on XX/XX/2022 and she tells me they put the bank levy to freeze {$3200.00} ... .every cent I have because I owe a total of {$1600.00} which will bring my account current. I agree to pay. I wait 3 hours for a letter of consent to disbursement of funds to be sent to the branch office. I sign the letter and take it to my bank. They call Mariner finance collections office and cant reach them also. It is now XXXX XXXX and I can't talk to anyone who can help me with my account.I am told yet again the person that handles my account is not there. What type of business practices are they conducting?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: IL
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:
I contacted Experian over the phone on the afternoon of XX/XX/XXXX to dispute an unfamiliar account on my credit report. The representative was rude and combative. She made false statements, over-talked me, and refused to answer questions about the dispute process. She told me they follow : [ insert some acronym that I didn't understand ] and if I wanted to know what that process was, then I should look it up. I literally didn't understand what she said ( she had a heavy foreign accent ). When I told her she was being rude, she insulted me and hung up. I have literally never received worse service. 

I'm appalled that someone who is responsible for assisting people with fraud on their credit reports is allowed to behave this way. Not only do I have no confidence that she filed the dispute, but the experience of seeking help has also caused me further harm.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: NY
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:
improper use of my report ; In accordance with the fair credit reporting act this creditors has violated my rights pursuant to 15 U.S.C. 1681 section 602 states i have the right to privacy.

15 U.S.C. 1681 604 ( a ) section 2 Credit Reporting Agency can not furnish an account information without my written instructions.

15 U.S.C. 1666 ( b ) a Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any 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 explanation
Consumer complaint received 2023-09-27
Company: Nicholas Financial Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Item 5 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. 

Item 6 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. 

Item 7 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: NY
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 to the Fair Credit Reporting act this creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666 B a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any 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 explanation
Consumer complaint received 2022-06-06
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-19
Company: Experian Information Solutions Inc.
State: GA
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:
WENT TO DEALER TO ATTEMPT PURCHASE OF VEHICLE REPORTED THAT XXXX WAS ONE CREDIT COMPANY  PULLING MY REPORT I RECEIVED MULTIPLE UNAUTHORIZED INQUIRES ON MY REPORTS SINCE 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 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 2022-09-19
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2022 I disputed the following account 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 I requested that XXXX and Equifax to removing the following accounts from my consumer report as they have violated 15 USC 1681 ( b ) by reporting the following accounts without permissible purpose. I am also requested XXXX and Equifax remove the following information from my consumer report within 15 days! Equifax has yet to respond to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: GA
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 XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
This is fraud. I never signed a contract. They took {$2400.00} out of my wife 's bank account. We never received any services from them. And they are also reporting the wrong address on my credit report because I have never been in XXXX XXXX, FL.

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 2022-06-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
The bank advertised a {$600.00} deal. {$300.00} for opening a checking account and arranging direct deposit, and, an additional {$300.00} to put {$200.00} every month for 3 months. After I opened the account and put in the {$200.00} for the months of XXXX XXXX and XXXX. During that time, I called to make sure I would be getting my {$600.00}. They checked and said it would come at the end of XXXX. Today I received the {$300.00} but when I called, they explained that the three consecutive months had to be XXXX, XXXX, and XXXX. Apparently, the customer service I had called failed to mention that my deposits were in the wrong months and the card I read the rules from had writing so tiny, that I could not read it correctly. I am XXXX XXXX XXXX and I was sure I had followed their directions to the letter. I feel ripped off and that the bank did that one purpose, knowing no one would follow those directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-06-24
Company: CITIBANK, N.A.
State: MD
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:
On XX/XX/22, I received a call from Citibank asking if I used my credit card at XXXX XXXX for {$1500.00} and XXXX as well as XXXX for {$15.00}. I immediately told them that I was at home and no I did not use the card as well as I am not a member of XXXX. They asked me if I had the card. I checked and found it put away in my house. I explained at that time that the card was expiring and I had received an email from Citibank stating that I should already have or soon would be receiving the updated expiration card. I never received the new card. Ive explained to Citibank on several occasions that I never received the card. Nonetheless they said I was responsible for the purchases because an actual card was used. I have made police reports to XXXX XXXX, MD and XXXX XXXX XXXX, MD police. I wrote a letter back to Citibank Security Services explaining once again that I did not buy those items from XXXX  and XXXX I offered to do whatever is necessary to prove that to them including taking a lie detector test. I told them where I was on XX/XX/22. I implored them to take a look at the issue again and see that for several years Ive only had one recurring charge on this card that has always been paid in total monthly. Im being inundated with phone calls, texts and emails asking for payment and Citibank has put it on my credit that I have an overdue bill. My credit score that was always in the 800s is now down XXXX points. I pay my bills in full every month and have my whole life. I would never refuse to pay for any item I actually bought. I did not purchase anything from XXXX  or XXXX. Citibank Security is not responding back to me. Around this same time, someone else tried to open an account at XXXX XXXX XXXX XXXX in my name. It was found to be fraudulent.

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 2022-09-19
Company: Applied Data Finance, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am resubmitting this. I am not sure how my complaint got my husband 's name ( XXXX XXXX ) attached to it. This account that I created is clearly in my name ( XXXX XXXX ) and I submitted this complaint through the Consumer Financial Protection Bureau with an account also clearly in my name ( XXXX XXXX ) On or about XX/XX/2021, I had responded to an offer from this company ( Personify Financial ) and was denied. They then sent me a letter in XXXX with a pre approved offer. I have thrown the letter away but was directed to their website to apply which I did. They approved me and told me that with on time payments I could get my interest reduced. They never really disclosed the interest but told me to create an online account. I eventually did and they took my banking information for auto payments. I went about my life and the payments came out of my bank {$150.00} every two weeks like clockwork. Well, in XXXX I had to enter into a credit counseling agreement because my debt that I took on from the pandemic is so great that we are literally drowning in it. I tried to get this loan included but they wouldn't work with my credit counseling company XXXX XXXX XXXX XXXX XXXX ) So I tried to contact the company myself and was told that I had to let the loan go into default before they would offer me any help. I am already suffering from poor credit so I do not want to do this. I then went into my account to see what the balance was to see if it was an amount I could consider paying off quicker. The balance of my loan was higher than what I had taken out. I had taken out a loan amount of {$3900.00} and my loan amount was over {$4100.00} even after {$1800.00} of payments!!! I cried. How can this be fair? Please help me do something with this loan. I can not keep this up and don't want to go into default. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: VA
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  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, 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 2022-06-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Check was issued to IRS from escrow company, because I owed IRS at that time. {$6900.00}. I deposited remotely the check on my checking account and was considered a fraud. They closed my account, did not, wont release the funds to me, or escrow company ( check issuer ) because they want a process for IRS to do. I personally went to IRS office and they told me that what Chase is asking for is against their policies and will not sign anything. 
They give me turn around and dont help. Ive called sooo many times, walked in the branch so many times and I give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit card ending in XXXX with Chase is overpaid by over {$3000.00}. I initially made a {$3000.00} dollar payment to XXXX XXXX in XXXX XXXX Florida for a down payment to car which I later returned. XXXX refunded the {$3000.00}. On the same day I made a payment to XXXX, I also made payment from my checking account in the amount of {$3500.00} to cover the payment to XXXX and any other balance on my card ( I usually keep a zero balance on my credit cards ). The result of the XXXX refund and my {$3500.00} resulted in a balance due me of over {$3000.00}. I called Chase, my credit card bank to request a refund back to my checking account. The supervisor assured me the refund I requested was going to be put back in my account ( {$3300.00} ). I was made aware to made aware today XXXX when I called Chase after a XXXX minutes wait on the phone that the supervisor only requested a {$200.00} refund which has still not been processed instead of the {$3300.00} I requested. I was also told due to the mistake made by the other supervisor I will have to wait twice the time to receive my refund ( over {$3000.00} ) which is a negative balance due me from my card ending XXXX. I asked when the turn around time was and the supervisor told me that he does not know a turn around time. My question is, how come I am being punished to to Chase mistake of not initially processing the request I made correctly by holding money from my checking account? Secondly the money came from a Chase checking account which the credit card department can verify so what is their problem? By sitting on over {$3000.00} of my money are they going to pay interest?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have had 3 full years of clear and good credit history and am trying to increase and continue to build my credit score. ( which at this time my score ranges from XXXX with the 3 major credit bureas ) I was denied beacuse of my past credit history ( bankruptcy/over 3 years ago ) and with no regard to my recent 3 years of positive credit history. I believe BANK OF AMERICAXXXX XXXX card I applied for - I have been discriminated.

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 2022-08-22
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation