BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 a transaction was sent to my sister through XXXX XXXX XXXX XXXX app ( XXXX ). This transaction was never received by my Sister. I have disputed this with the bank twice. The only information they provide is that the transaction was completed. They have not provided any information about the transaction between XXXX XXXX, XXXX, and XXXX ( my sisters bank ). My sister has worked with her bank on the transaction and according to their records there is no transaction associated with number provided above to them. 

I have been to my local branch on 2 occasions : The first occasion I met with an Assistant Center Manager at the XXXX Indiana Branch XXXX XXXX. At the time, this transaction had been sitting in pending for upwards of a week. Neither myself or my sister were users of XXXX so she first had to sign up. I was not aware that I needed to do anything with the XXXX app since it is integrated into Fifth Thirds website and gives no instruction about downloading the app or anything else except to click here. After a week, I went to the bank met with Assistant Manager and Asked her if she could cancel the transaction. At this point she could see that the transaction had been pending for several days. She commented that she did not know why it had set out there so long and that it should have returned to my account if the funds were not sent after specified period days ( which had already transpired ) She ended up resetting my account in XXXX. When she did that two things happened. My transaction changed to sent and a transaction for XXXX $ that my sister sent to me through XXXX came through. I was told to wait a few days and it would show up in my sisters account. 

On XX/XX/XXXX I returned to my local branch and met with the XXXX XXXX the Assistant Vice President of the local branch. He investigated and was puzzled why the transaction had not gone through. He also indicated that the money should have been returned when it stayed in the pending status longer than the allotted time. We filed a dispute on XX/XX/XXXX concerning the transaction ( XXXX ). This dispute was denied approximately 10 days later with the only explanation that the transaction had been sent. I filed an appeal only to have it denied 60 days later with no information provided other than the notice from XXXX indicating the payment was sent. 

I would at least like to know the dates and account numbers that were involved in the transfer. I have not been able to talk to anybody other than low level customer service representatives who transfer me to different departments each which is staffed by another low level representative who has no power to do anything except take messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Conn's, Inc.
State: TX
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:
Mad attempts to contact creditor that I was sick with covid-19 and will be needing my payment date pushed back and I never got a hold of anyone and also sent an email but still no response then later on my credit report they said I was 30 days late and when I contacted Conn 's they told me they couldn't do nothing about it despite my attempts to get ahold of someone & I've made 2 attempts to fight the action & it comes out then appears a month later

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Main Resolution Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Told me they were no a collection company just an information verifier but tried to the n collect a settlement. I asked for mail and they said by the time i got mail they would file a judgement against me so mail wasnt an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: TX
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-04-19
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have not spoken to this company in over 6 months. They took {$100.00} from my credit card account today on XX/XX/XXXX I did not authorize this or speak with them about it. 
This is not the first time they have taken money without authorization. I had a lot of problems with them last year. I was paying them {$100.00} on the first of every month for 7 months ( XXXX ) After that was up they called me to renew my payment plan. I agreed to {$100.00} a month in the first of every month. They proceeded to take {$100.00} not on the XXXX. They took the payment out on the XXXX, 2 weeks early. They even took 2 payments out one month. I called them about this and they told me they were taking nexts months debt that day as well. Which was not authorized. Then she tried to tell me I havent paid in 4 months. I had reoccurring automatic payments every month. They had taken {$500.00} out of my account in those 4 months and told me I didnt pay them anything. I proceeded to continue to do business with them, until they get again started to take payments without my authorization on dates that were not discussed previously. This resulted in their not being enough money in the account they that were trying to take from because they were trying to take payment 2 weeks early. I stopped doing business with them because of this. I havent spoken to them since XXXX of XXXX. It is now XXXX of XXXX and they took {$100.00} today unauthorized. On XX/XX/XXXX. I told them multiple times last year that I just wanted to pay my debt {$100.00} every month continuously. One of the guys even threatened to charged my account for the whole debt if the payment ever bounced. As in, if I didnt have enough money in my account he said they would then take the entire amount that I owe from me. I made sure money was there to be taken out {$100.00} on the first. I told them if they would stop messing with my account that they would get the payment properly. I only had enough to give them the {$100.00} on the first in that account. There are more dates than I just listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: In progress
Consumer complaint received 2023-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ask them to send verification of the debt they say I owe, they sent old copies of some old credit card statements over 10 years old, I asked them to stop calling me and my work place, they continue to call and harass me, about debt thats over ten years old, the company is Portfolio Recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
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:
It is incomprehensible to me how my PLEAS FOR JUSTICE AND ASSISTANCE IN THE FACE OF IDENTITY THEFT HAVE BEEN REPEATEDLY MET WITH A SEEMINGLY CALLOUS DISREGARD FOR MY PLIGHT. The nonchalant DISMISSAL OF MY CLAIMS HAS LEFT ME BOTH ASTOUNDED AND DEEPLY TROUBLED. Deep-seated emotions that words alone can not fully convey - emotions encompassing annoyance, distress, anger, and profound sadness. These emotions have been triggered by the persistent denials of my legitimate identity theft claim by your bureau. The relentless denial of my identity theft claim has subjected me to prolonged anguish and turmoil. I have been wronged, and my life has been marred by the consequences of unauthorized accounts and transactions that have taken a severe toll on my financial stability and emotional well-being. XXXX XXXX  XXXX XXXX. Please delete these account ASAP.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is an incorrect name listed on my credit profile. I would like to have XXXX, Experian, and XXXX remove it 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 2021-04-19
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
The following charge appeared on my XXXX XXXX XXXX XXXX ( issued by Barclay XXXX XXXX - https : //www.barclaycardus.com ) - the below information is copied from my current activity as listed on their website : GoFndMe* salvemos alos Ar Account ... XXXX {$390.00} XXXX Points PURCHASED BY XXXX XXXX TRANSACTION DATE Saturday, XXXX XXXX, 2021 POST DATE Sunday, XXXX XXXX, 2021 MERCHANT LOCATION* XXXX XXXX CA XXXX XXXX XXXX NUMBER XXXX MERCHANT CATEGORY CHARITABLE AND SOCIAL SERVICE ORGANIZATIONS I did not make the above donation - and I contacted XXXX on XX/XX/XXXX XXXX soon as I noticed the fraudulent transaction. It has been more than the 10 business days I was informed it would take to investigate, and XXXX has not sent me any communication regarding the charge, and has not taken any action to investigate. 

I have spent many days on hold with their " fraud department '', but have yet to speak to anyone there. It is nearing the end of my statement month, and despite assurances by representatives that I would not be liable, when I log into my account ( or call ), their system tells me that I owe {$390.00} I can't afford to have a late payment show on my credit report, but they are most definitely dragging their feet and making no apparent attempt to resolve this dispute. 

I have also reached out to XXXX, but have made no headway there in terms of determining where the charge came 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 monetary relief
Consumer complaint received 2023-02-01
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: Reporting company used your report improperly

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

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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Acct # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
the company NCA contacted me about XXXX XXXX XXXX for {$240.00} and XXXX XXXX {$240.00} and said that I was ignorant and they were going to sue me for failure to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PLEASE KEEP ALL MY SEPARATE COMPLAINTS SEPARATE. 
BREACH OF CONTRACT ( RESPONSE ) Sunday, XXXX XXXX, XXXX XXXX XXXX 1 I am really disgusted with the lack of customer service at Nationstar. It still seems to be the same run around. I do n't need information out of your book on dead line dates and what needs to be done after that. I need to know why after 3 different times of me sending in the application for the loan mod, hardship affidavit, dodd frank and the XXXX. How you can tell me that it was expired.? 
2 Why would the letter received as your response say, '' However, the application never got to the approval status as a complete package was never received. No documents were received after XXXX XXXX XXXX? SEE EXHIBIT XXXX 3 Was there a request for something? 
4 Solar energy profit and loss? That was never requested. SEE EXHIBIT XXXX 5 The letter states that it was closed due to an incomplete package. " Unfortunately, a denial letter was not generated due to a processing error, at the time the denial occurred for the following reason. '' 6 The truth be told, the reasoning for the closing of my home loan mod request was in fact due to the emotional and mental beat down that Nationstars SPOC stomped me in the mud I filed BK due to the fact that : XXXX XXXX informed me on XXXX XXXX XXXX that he did n't have enough time to get into underwriting. 
7 WHY? Would XXXX email me on the XXXX XXXX XXXX and tell me that he has escalated it to underwriting? XXXX XXXX XXXX tell me that he did n't have enough time to do so? XXXX XXXX XXXX was the AUCTION DATE FOR MY HOME TO BE SOLD OUT FROM UNDERNEATH ME! 
8 I am not sure what it is called. But I know there is some kind of time line of all documented movement on my file. I am requesting to see it. I want to see all documented HELP that was give to me. 
9 For the second review? Nationstar claims that it was opened in error. " Initiated on XXXX XXXX XXXX. This review was closed on XXXX XXXX XXXX, with the close reason of the review being opened in error due to the loan being paid in full on XXXX XXXX XXXX, no denial letters are sent for reviews that are closed due to being opened in error. ****DUE THE MATH ON THE HIIGHLIGHTED AREA*** *********NEED I SAY MORE?????????? /********** 10 # XXXX Is a COMPLETE LIE XXXX The letters " SPOC '' I never received XXXX of the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
remove all hard inquiries that dont belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: In progress
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize and I do not recognize the following inquiries : 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 explanation
Consumer complaint received 2021-04-18
Company: Risecredit, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt I have with this company rise credit was taken online over 2yrs ago.The amount of XXXX is not the amount owed. These are interest rates that theyve added on to collect more money.They continue to call and send me letters about this debt which theyve also sold my information to debt collection agency. This is violating my Hippa rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have reached out several times to the bureaus and to companies. Companies may include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and other companies in which there are fraudulent charges on my credit report.

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 2023-11-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My information with Equifax has been breached, attached is the proof, and they refused to delete these accounts, so please delete this from my credit report immediately. As I was a victim of this data breach. 

These are the accounts : 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

Company response to consumer: Closed with non-monetary relief