BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Hard Inquires Listed below, 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 XXXX XXXXXXXX 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 MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX 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 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2022-06-28
Company: GOLDMAN SACHS BANK USA
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Goldman Sachs/XXXX makes you proactively go to the app or their app or website to get your statement. Because of this there is human tendency not to remember to review all the charges, especially since they push the automatic payment. 

The structure of this process works to make the consumer foot the bill for an excess of fraudulent charges, because the company does not send the statements to consumers. 

The refusal to send statements to customers is a means to lower company losses/ reduce company work on bad charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  have 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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX have violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: IN
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX card ( Comenity Bank ) Last Tuesday, XX/XX/XXXX, we made a payment for {$540.00} ( payment due was {$60.00} ) and the payment was due Friday, XX/XX/XXXX. I received an email confirmation as proof of payment. 2 days ago, we noticed the payment had yet to clear our bank, nearly a week later. We have tried and found that the website has been down since XX/XX/XXXX. In addition, they have not manned their calls centers in a week. No one is answering. I am so mad because even though we paid early and have proof of payment via email from Comenity Bank, they sent an email that we have been hit with finance charges and late fees - we've never been late and my XXXX took a hit because of this! I have gone to their XXXX page and I am reading that this same thing is happening to thousands of customers. Not just XXXX XXXX customers but anyone with a Comenity Bank store card. So many people are getting hits on their credit, even after on time payments! They are scamming people, they will not respond or answer the phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I suspected fraudulent charges on my Children 's Place credit card, which is through Comenity Bank. I tried to log into my account on XX/XX/XXXX but it said the system was down for scheduled maintenance. I tried again on the XXXX and got the same message, so I contacted Children 's Place customer service and was told they couldn't help as it was an issue with the credit card, but they gave me a customer service number and a link that I supposedly could use the pay my bill. The link didn't work and when I called the number, I got a recorded message saying that their system is down for maintenance and that their customer service is unavailable and to call back later. I tried logging in and calling again today, XX/XX/XXXX, and nothing has changed. 

I am concerned that the charges are fraudulent and that my scheduled payment will go through and I will have no way of getting my money back. Or, that the payment won't go through since the system is down and that I will be charged a late fee and my credit score will be affected. I also am concerned that someone may be using my credit card and will continue using it and obviously, I can't even call to cancel the card since the system is down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has furnished false and deceptive consumer reports on my behalf which is a violation of 15 USC 1692j. Transunion does NOT have permissible purpose to furnish any information on my behalf because I have not given them written consent or authority and I do not have any judgement to my knowledge. This is considered aggravated identity theft! They continue to furnish inaccurate and incorrect information to my consumer report, knowing the information is incorrect and inaccurate. What was the method of verification? Who did they speak with to verify all information is accurate? Why wasn't I sent documentation of the evidence from the reinvestigation? My character has been tarnished and my reputation damaged due to this inaccurate information and I am continually being denied credit due to the inaccurate information Transunion is reporting. I have sent multiple disputes, and information is continuing to be verified with no real proof of its accuracy. I will be contacting my attorney general and filing a suit for the violations against 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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX XXXX called concerning an online order that I never placed, so I checked my credit reports and saw a hard inquiry from XXXX on my XXXX report. Someone used my maiden name ( which is not my legal name ) fraudulently to open a card and make an online order to an address completely unassociated with me. 
XX/XX/XXXX XXXX cancels the orders that they can and refers me to Comenity bank to begin fraud report. Comenity bank has no way to speak to a person online or via phone and this has continued into XX/XX/XXXX. XXXX can not remove hard inquiry or new credit line until I can begin this process with Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Rent Recovery Solutions
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company first contacted me two weeks ago ( XX/XX/2022 ), did not provide any information in the initial call and did not provide written notice within 5 days as legally required. I immediately provided them my mailing address and still have not received any written notice addressed to me. Instead, they have sent unsolicited mail to my address with someone else 's name on it, which I received yesterday ( XX/XX/2022 ). I believe this is an intentional and malicious business practice intending to take away my legal right of notice and my right to dispute debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I was sued last year with lies on the dates Superior Court of California XXXX XXXX XXXX XXXX XXXX XXXX division. Case # XXXX, we ended up setting trial dates and a week before trial they dismissed case. 
The date of last payment was on XX/XX/XXXX of XXXX, they keep on saying that it made a payment in XXXX so the status of limitations would not be applied. 
Now they are using the date of XXXX for the collection when the correct date should be XXXX also this collection appeared as the original creditor with correct info.Law states that you cant have one collection twice so I need them to remove this from my credit report for 2 reason the incorrect dates and also it was already on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I reviewed my credit reports from XXXX, XXXX, and Experian and they are reporting an account that violates my federal rights as a consumer. I sent them a letter bringing these violations to their attention and they have not responded and the account is still reporting on my credit reports. First and foremost, I did not give them my written consent to report the account pursuant to 15 USC 1681b ( 2 ). Second, they have violated my privacy pursuant to 15 USC 1681a ( 4 ) they are sending my private information to a data furnishing companies that I also did not give my written consent to have. Using my information without my consent is identity theft and is punishable under federal law.

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 2022-11-30
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXXXXXX XXXX XXXXXXXX CITI Bank with whom I was banking for 2 years decided to close my small business account. 

As this was my only business account and in order to keep the business alive and pay my employees and suppliers, I needed access to the funds as soon as possible and I called everyday CITI bank and asked them to expedite the closure so they can send the check faster to me. 

On the XXXXXXXX XXXX XXXXXXXX the total balance of {$510000.00} was withdrawn from my account, and subsequently I received a check in the order of my name, ( which is strange, I should've got one in the order of my company XXXX XXXX, as it was a business account ) in the sum of {$500000.00}, so {$3100.00} less then the total amount that was withdrawn. 

Moreover, after the XXXXXXXX XXXX  XXXX additional funds were deposited in my account from some of my suppliers, that unfortunately updated their records of my banking details later than the date when they made the transfer. Specifically, {$2100.00} from XXXX XXXX {$440.00} & {$2300.00} from XXXX. These funds were on my balance until XXXX XXXX when they were again withdrawn by CITI. 

The check I received in the sum of {$500000.00} I tried to deposit on my new business account with XXXX XXXX  XXXX. I wasn't able to do it as it was not in the name of my company but my personal name. So, I tried to deposit it on my personal account with XXXX XXXX XXXXXXXX on the XXXXXXXX XXXX XXXXXXXX. On the XXXX XXXX XXXXXXXX the check was rejected with the line " ITEM RETURN CHARGEBACK '' and XXXX XXXX XXXXXXXX informed me CITI bank has placed a STOP PAYMENT on this check. So now the check is not valid anymore. 

I called CITI on the XXXX to try to understand the situation but nothing clear was explained to me. And now I don't know what else to do, and need help! 

Total money that is owed to me by CITI BANK is {$510000.00}. I request this matter to be expedited and a NEW CHECK for the full sum of {$510000.00} to be mailed to me in the order of my company ( under which the account at CITI was opened ) XXXX XXXXXXXX, as a matter of urgency.

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 2023-11-14
Company: EQUIFAX, INC.
State: FL
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:
They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : Chapter XXXXXXXX XXXX XXXXXXXX Chapter XXXXXXXX XXXX XXXXXXXX Chapter XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
As shown in the attachments, Capital One materials tell customers the following about cash advances : -- - Q : How do I get a cash advance on my credit card? 

A : At ATM : - Ensure PLUS logo is displayed- Have PIN ready & follow instructions displayed At a Bank : A - Ensure Visa/Mastercard logo is displayed - Provide card & proper identification to teller AND " With each cash advance, we charge a front-end fee, or service charge, that posts to your account the day of the transaction. Be sure to review your account terms for details. '' -- - I paid my credit union {$2500.00} total online -- not with a teller, not at a XXXX XXXX XXXX, and not using a PIN. The {$2500.00} was two separate transactions, one for {$2400.00} and another for {$5.00}. 

Still, I wasn't sure if Capital One would charge me the cash advance fee for these transactions, so I logged in online and saw the transactions categorized as " other services. '' There was no coding indicating they were cash advances. Although Capital One says they charge a front-end fee that " posts to your account the day of the transaction, '' that didn't happen in my case either. Instead those fees posted after the transaction date, further obscuring the fact that Capital One treated the charges as cash advances. On the phone, a Capital One agent told me that it takes awhile for coding to come through from the merchant, information that is at odds with posting front-end fees the " day of the transaction. '' When I got my monthly statement I got a rude surprise that Capital One did treat the transactions as cash advances and had started charging interest immediately. Based on the information above ( included as attachments ), Capital One didn't follow its own policies about cash advances -- for example, I didn't conduct the transactions in a branch, provide my card or identification to a teller, or use a PIN. No front-end fees were posted to my account on the " day of the transaction. '' Note as well that many of my previous transactions with Capital One are categorized as " Other Services '' but none of those incurred cash advance fees and interest. 

I also had horrendous customer service experiences.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: CITIBANK, N.A.
State: MS
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/XXXX XXXX XXXX charged {$25.00} for medical visit at XXXX XXXX. On XX/XX/XXXX he charged {$480.00} at XXXX XXXX. On XX/XX/XXXX he charged {$10000.00} at XXXX XXXX XXXX law firm. Prior to our separation XX/XX/XXXX. XXXX told me that he did not have access to my Citi account. I was surprised to see these charges. I did report this to Citi. I also filed an identity theft report with the Federal Trade Commission the day I learned he posed as me to try and gain access to my Been Verified account. My attorney also sent an email communication attached to XXXX XXXX law firm on XX/XX/XXXX notifying of the transaction- " XXXX, Your client is impersonating my client and attempting to access his personal accounts and also making unauthorized charges on his credit cards. One appears to be a XXXX charge to possibly your firm which my client will dispute. Please advise your client accordingly. XXXX ''. Attached you can find the invoice charged at that point was only {$1100.00} of the {$10000.00}. At the the firm could have returned {$8800.00} to the card. This communication and the invoice are attached.

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: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have an on-going complaint being resolved with XXXX XXXX  XXXX  for defaulted my loan without any cause. However, now that it is in the transition phase of being resolved, I am having issues dealing with the loan servicer XXXXXXXX XXXX uses for their loans, FirstMark. I have tried to reach out and get them to reinstate my deferment, since it was wrongly taken away with no reason. My payment was due yesterday and now they have marked it as late and charged me for something that was never in my control.I have also reached out to XXXX XXXX hoping they could mediate, since it was there mistake in the first place. They have not responded to me. I should not be penalized for two collaborating companies and their lack of communication and documentation on the problems they created in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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:
I was a victim of identity theft. For account # 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