BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Filed XX/XX/2022 XXXX XXXX XXXX The above complaints were filed after I was declined for credit. The reason that I was declined is that I am deceased. I contacted all three major credit reporting agencies ( XXXX, XXXX, TransUnion ), all three of which denied there was anything on my report, at their agency, that listed me as deceased. I then proceeded to file the complaints listed above. 

After filing those complaints, the response from all three companies was, once again, that they had nothing negative on their records. 

To make a long story short, here is what I found when I looked at XXXX today under " Personal statements '' ; " XXXX & XXXX XXXX DOCUMENTATION HAS BEEN PROVIDED CERTIFYING THAT THIS CONSUMER IS DECEASED XXXX '' ( see attachment for screenshot ) In addition to the above, my name and my address are listed wrong. And they show an open Mortgage XXXX for {$320000.00}. 

I do not have a real estate loan, my home is paid for, free and clear. In fact, I do not have any loans. The ONLY financial relationship I have is with XXXX Bank. The only accounts I have with XXXX Bank are XXXX checking account, XXXX savings account, XXXX credit card, and XXXX debit card. I do not have any open loans, credit cards, or other accounts of any kind with any other financial institution. 

I attempted to check myEquifax but after entering my log in information I was presented with the following " We can't complete your request at this time. Please call the XXXX XXXX XXXX '' I also attempted to check Transunion account but my log in attempts there were met with Invalid credentials. The same credentials I used in XXXX and XXXX but now they are no good? 

As stated in my previous complaints, all three of the credit information services mentioned above have had inaccurate information on my file for decades. They have continually confused my brothers and my information and obviously continue to do so. 

My brother is DECEASED, I am NOT. 

Please inform these companies that I have made numerous attempts over the years, and obviously recently, to get these errors corrected. This is my last attempt to provide them the opportunity to correct my information prior to exploring my legal options for recourse. 

Best Regards, 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 2023-03-14
Company: Experian Information Solutions Inc.
State: AZ
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 contacted this company to dispute an item they are wrongly reporting on my credit report. They said they don't have to provide verification as they are the original creditor. But their info and address are on my credit report. I have two distinct problems with this company : 1. I don't recognize the item on my credit reports, to begin with. I am asking them to verify with competent evidence, bearing my signature, that the item is being reported accurately. I contacted them because THEY are the ones on my credit reports and it's THEIR address I see. So either this company is out of line and has directly violated the FCRA and FDCPA by not verifying this alleged account following a formal dispute, or they are reporting false and unverifiable information, also a direct violation of the FCRA and FDCPA. 

2. If they in fact feel they are not subject to the FCRA and the FDCPA, and do not need to provide verification that the alleged account is mine, then they need to remove this account from my credit reports because they have no business reporting an account that can not /will not be verified as mine with competent evidence bearing my signature verifying that I am contractually obligated to pay the alleged amount. 

Both of these issues represent a very serious error in their reporting and they are unwilling to do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX my cell service provider I have been with since XX/XX/XXXX. In XX/XX/XXXX-XX/XX/XXXX they began asserting that I owed an amount of {$600.00} for services not paid for/not transferred to from different service plans when the 4 phone lines, the equipment and previous amounts owed at that time. I am a XXXX XXXX XXXX XXXX veteran retired military now but was XXXX  during when these issues began. For nearly 9 years I have wrestled with XXXX and their revolving debt collectors slandering my credit rating with their erroneous collection information and fraudulent amounts owed and with XXXX to remove the information. After XXXX County Sheriff 's department investigated this matter they found that XXXX nor their debt collector XXXX XXXX could prove or substantiate the charges. XXXX XXXX then removed the information from my credit report. XXXX in unprofessional business practices and outright fraud hired another/sold to another collections agent the account and the process of attempted to clear my credit continues to rotate to another collections company as the current one is investigated and then found at error clears the fraudulent information from my report. I am under contract to purchase a XXXX equipped home for the XXXX I incurred in military war service. The actions done to me by XXXX, XXXX XXXX and currently Credence Resource Management is in the process of causing my home financing to increase drastically in interest rate or fail altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Fortiva refuses to lower the absurdly high minimum payment. It is currently at {$210.00} a month, which they say is based on the highest balance of the card. The issue with that is that even though the balance is dropping, the minimum payment is not. They make using the credit protection plan impossible, they offer no support or help to lower the monthly payment, and instead of helping when you call, all they do is send you on an endless transfer circle, each department saying the other has to help you. They are leading me to either file bankruptcy again or let the card go to collections because it's just not affordable and it's interfering with my ability to live. To be clear, they have REFUSED to lower my minimum payment and have offered no form of support at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: LendingUSA
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2021 I got a personal loan from Lending USA, as I'm on full social security XXXX, trying to make ends meet. This so called " bank '' pulled a predatory lending practice and scheme on me that imposes unfair and abusive loan terms, a jaw dropping interest rate at the tune of nearly 21 %, stripping me of any money I have to live on. This bank 's deception to get me to take out a loan I couldn't afford when they approved me and can't afford now with the high living costs is a pure predatory lending scheme they baited me into. 

I made attempts with this bank, by phone, to lower my interest rate or allow me to skip a month or XXXX ( putting loan missed on back end ) but they instill fear in me by telling me that a ) they won't lower the interest rate to allow me to survive and make ends meet and b ) they allow any extensions and c ) if I don't make payments as promised they will destroy my credit by contacting the credit bureaus as a fear tactic to force me to pay their 21 % interest that they knew in advance I couldn't pay for BEFORE granting me the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: MoneyLion Inc.
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a letter from the IRS stating that my stimulus payment was made to a XXXX account that did not belong to me. I called XXXX and was told that was a Moneylion account and the money was deposited there. I reached out to ML on several occasions only to be blown off that is not their account number. After doing a review on XXXX XXXX ML finally reached out to me to tell me yea money was deposited there to an account that did not have my name of it. But its not their problem reach out to the IRS. I dont see how they both are not responsible? How can they accept a deposit that is made out to me and allow it to go into someones account? They said oh well the money was taken the account closed. Had they not accepted a deposit for someone other than the person it was intended for and returned it maybe I would have gotten my money. This is a nightmare that I have been trying to solve for years now. Only to be blown off and not even told the name of the account it went into. I have never given the IRS any ML or XXXX numbers.

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 2022-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with cash advances

Complaint:
On XX/XX/XXXX, I had an emergency situation that required me to use my Capital One Credit Card to take a cash advance of {$300.00}. It was my first time ever taking a cash advance on a credit card. 
On XX/XX/XXXX, I called Capital One Customer Service to ask how I could pay off the cash advance balance so that I would not continue to accrue interest on it. I was advised that I could make a payment on the phone during that call which would go directly towards paying off the cash advance. I was advised that the total payment would have to be {$310.00}, which included the amount of the advance ( {$300.00} ), the ATM fee ( {$3.00} ), and the cash advance fee ( {$10.00} ). I confirmed that once I made this payment, the cash advance would be paid off and I would no longer accrue any interest on it and would just have my standard credit card balance that I would be making payments with interest on. Just like it was before I took the advance. 
Today, on XX/XX/XXXX, I noticed a cash advance interest charge on my Capital One balance. I called Customer Service again and was told that none of that payment from XX/XX/XXXX went toward the cash advance. I was told that regardless of what I was told on the phone by their Customer Service, the terms that were given to me clearly state that whichever balance has the higher interest rate, is what anything above my minimum payments will go toward. Unfortunately, the interest rate on my cash advance is the same as the interest rate on my credit card, so in order to pay off the cash advance, I would have to pay off my entire credit card balance ( {$7400.00} ). 
There is nothing in my statement that says this, it does not say what happens when the interest rate is the same as the credit card interest rate, it only says what gets paid when there is an interest rate that is higher than another. In addition, I went a month thinking that my cash advance had been paid off BECAUSE THAT IS WHAT THE CAPITAL ONE CUSTOMER SERVICE REPRESENTATIVE TOLD ME, so now I have an additional month of interest on that balance. 
I can not afford to pay off my entire credit card balance right now. I am making minimum payments. 
There must be a recording of my conversation with this representative the day I was told it would be paid off by making that separate payment. That would be proof that that is what I was told. Not being allowed to pay off the cash advance until the credit card is paid in full is extremely sneaky.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: PA
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:
This evening I tried to dispute an account on my report that hasn't been reported for 5 years and all of a sudden. Now it's being reported as collections but it is been on my report for 6 years. Yet it was sold several years ago to some other company that I have no idea who it is. This account is not correct. It has been paid off for several years. It is not being reported correctly but yet when I try dispute it again I'm being denied because they're saying it's frivolous. It is not frivolous. I have a right to dispute as many accounts and as many times as I deemed necessary according to the fraud resolution expert that I talked to the other day. These accounts that are on my report are not mine and I'm getting tired of being told no that they don't have to do anything about them. It's my information it's not correct and I'm using their templates their reasons as to why I'm disputing and then also they're telling me it's not clear enough Experian what the heck is your problem? I really feel like I need to get an attorney to get this settled

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 2022-04-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number :XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number :XXXX  Account date reported : XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. With the following inquiriesXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/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 2022-04-10
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Mother has put myself down as a co-sign with a bank credit card from XXXX XXXX Bank with intentions to help my credit in XXXX Credit card was closed out in years of XXXX by XXXXXXXX  XXXX Bank which we , my mother and I, made a phone call to them to make sure the credit card was closed with a XXXX balance. XXXX XXXX Bank has no documentation of this since its beyond a 3 months span. 

Midland Credit Management ( debt collector ) claims the card reopened and is attempting to collect a debt with the amount of {$2900.00}. Midland claimed a payment was made on XX/XX/19 for the amount of {$150.00} under my name. Midland was not able to provide accurate account information the payment came out of, along with purchases made when asked. 

Midland Credit pursued a civil summons attempting to collect the debt in the month of XXXX. I have taken action and responded back to Midland that I do not owe/unaware of this debt which may be the result of a fraudulent attempt with my information by another individual. 

I did not reopen the XXXX XXXX Bank card, I do not owe the amount of {$2900.00} to Midland Credit Management nor XXXX XXXX Bank, and have not made any payments towards the amount listed above on a bank card from issued by XXXX XXXX Bank. There is no evidence that the payment came from my current nor previous bank statements dating back to the time of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # 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. 

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

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 2022-04-10
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 XXXX Account number XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX rXXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXXn, XXXX XXXXu XXXX XXXX XXXX XXXX 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX, I opened three business accounts with Bank of America. I was told I would be able to transfer money between the three accounts, etc. The issues I have with them are : 1 ) The very first check I deposited into one of the accounts, they held the funds for 10 days, telling me that it was customary because my account is new, and that they were getting information from my customer 's bank that the check may bounce. 

2 ) The second check I deposited, they also held for over a week. 

3 ) I could not, and still can not, transfer any funds between my three accounts. When I try to do so, the bank says I don't have any accounts to transfer between. When I tried to set up one of the accounts as another BoA account to transfer to, the message is that I am the owner of the other account, so I can not do that. So, I wrote a check from one of the accounts to transfer funds to another. I was then told the funds would be held for 8 days, because they are getting info that " the check may be returned!!!!! '' This, despite the fact that I am staring at the money in my account, and they have already initiated the deduction from the payment account. 

I have had many bank accounts in XXXX, and I have NEVER ever had any bank not provide service it claims to provide, and a bank that holds on to my funds for over a week every time. 

I believe that I am being discriminated against, because I am an XXXX. I can not imagine what other reason there would be to hold my funds for well over a week. Can it possibly take that long to clear a check? And how can a bank say my own check could be bounced ( which makes their first message that my customer 's check could bounce, very suspect ). I would like to know why the bank gets away with holding on to my money for no reason, and why the bank can disallow me from transferring funds between my own accounts. 

I have emailed my " relationship manager '' multiple times to complain about this, but she has not bothered to respond to my emails.

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 2022-04-10
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:
In accordance with the Fair Credit Reporting Act XXXXt Account number XXXXXXXX XXXX  XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXXy, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights , 15 U.S.C 1681 section 602 A States I have the right to privacy XXXX 

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 instruction.

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