BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: DISCOVER BANK
State: MN
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:
Discover card has refused to intentionally review in full, this request for consideration to refund, despite an online initial request with several agents stating this is an unusual situation. 
COMPLAINT Letter regarding DISPUTE XXXX XX/XX/XXXX COMPLAINT I am writing to advise you that I am unhappy with the decision taken not to refund payment as requested in my prior letter date XX/XX/XXXX. 
I booked my travel with XXXX XXXX based company called XXXX  XXXX XXXX XXXX Company number XXXXXXXX XXXX  : XXXX. This company entered insolvency on XX/XX/XXXX. This has left many people, I included, out of pocket for future travel with them in XXXX.This tour was to take place on XX/XX/XXXX. This Discover card was used to satisfy the full payment to XXXX on XXXX XXXX for {$3400.00}. ( Citation from 1 XXXX XXXXXXXX XXXX and is found in the uploaded information in my account in your Securities tab ) I appreciate that there are time-scales for refunds to be initiated, but I had no reason to believe up until XX/XX/XXXX that my tour would not be honored. I am part of an XXXX XXXX group of failed customers who are aware that many financial companies including XXXX XXXX XXXX XXXX, and XXXX have already made refund payments to XXXX customers, because of this and their willingness to understand this is unusual. 
This payment was made in good faith by me and I trusted in the fact that in using Discover 's credit card for a future travel event, that I was covered in case of failure. I have been a loyal customer since XXXX of XXXX and have never experienced a set back like this. 
On a personal level, I would find this refusal to refund my money devastating. I placed my trust in your financial institution and was certain you had measures in place to protect me as a valued customer in a case like this. I would ask that you reconsider the position regarding my request and return funds to my account using the Chargeback mechanism as I was not able to use them for the intended purchase.

In my Discover credit card account, I have all the uploaded information for review and can support that I attempted to contact several times XXXX for a full refund, though they claimed funds could not be refunded and could only be used for future tours. 
As soon as it became Internationally known, I actively researched to get this hard earned money back. 
Thank you and I am sure this is now another of many requests you have encountered regarding the failure of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27
Company: Genesis FS Card Services, Inc.
State: TN
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:
XXXX XXXX XXXX (  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) is reporting a collection to my credit report that I am not liable and that I have no knowledge of from their company. 
XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of {$710.00}. Last Reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. They refused to remove this account, and they also failed to provide validation of this account when I inquired for validation not verification of this account. 
XXXX : Date open date shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXXXXXX CB INDIGO is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. 
XXXX : Date open shows XX/XX/XXXX. Last reported on : XX/XX/XXXX. Date last active : XX/XX/XXXX Date of last payment : XX/XX/XXXXXXXX XXXX : Date open shows as XX/XX/XXXX. Last reported XXXX. Date last active shows XX/XX/XXXX. Date of last payment : XX/XX/XXXX. 


XXXX : Date open shows XX/XX/XXXX. XXXX reported on : XX/XX/XXXX. 
Last date active : XX/XX/XXXX. Date of last payment : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Rent Recovery Solutions
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account with RENT RECOVERY SOLUTIONS, and demanded that they send me validation, Ive received nothing but threatening phone calls from them! This is a direct violation of the FDCPA! As a question, are they debt collectors or attorneys? I have been told by multiple agents that they are in fact attorneys. If the agents that have been calling me are not attorneys, they are legally not allowed to tell me they are! RENT RECOVERY SOLUTIONS is flagrantly violating the FDCPA! Also, since I have not received any of the validation that I have requested, but the credit bureaus have verified the account, I would love to see that documentation! The law is quite clear, I am entitled to the same information that the credit bureaus are!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Nelnet, Inc.
State: MI
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:
Nelnet the Higher Education Act and the real U.S. Department of Education regulates the Federal Consolidation Promissory which requires the Disclosure Statement and Repayment Schedule ( disclosure ) be sent at or about the time the fedral consolidation loan was distrubited, this is written on page 5 of 9 of the federal consolidation loan application and promissory note. Nelnet send the Disclosure Statement and Repayment Schedule. The disclosure statement will have the federal lender name who orginate the federal consolidation note and education code, date money was distrubuted, what federal lender received the money, amount of money distributed and date of distribution, terms of repayment of the money, each federal loan promissory note consolidated from XXXX XXXX XXXX XXXX XXXX XXXX my federal lender, date the federal consolidation loan can be canceled, statement if the federal loan goes in default who can a person contact, my legal address and the federal lender orginator website address that the application was completed. Nelnet without the Disclosure Statement and Repayment Schedule means no money was distrubited. Nelnet on page 2 of 9 of the federal consolidation loan the loan holder name is XXXX XXXX XXXX, I never had a loan with XXXX XXXX, no entity exist with name of XXXX XXXX XXXX. Your federal consolidation loan was not consolidate with my lender XXXX XXXX XXXX XXXX XXXX XXXX  why? The loans listed on page 2 are not my federal student loans. Nelnet send the E-Sign contract to verfiy the type printed name and my physical address as the application requires and wrote, no XXXX XXXX without a physcial address. 
Nelnet you are wilfully in violation of the Fair Credit Reporting Act for not supplying the Disclosure Statement and Repayment Schedule. Nelnet you have prevented me in obtaining a mortgage. I have to renew my lease for higher rent payment. Nelnet you have damaged me. Nelnet it does not take up to 60 days to send me the Disclosure Statement and Repayment Schedule in which is manditory. With in four days after receiving this complaint Nelnet does not send me the Disclosure Statement and Repayment Schedule my summons and complaints is ready to file.

Nelnet send me the Disclosure Statement and Repayment Schedule now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Lockhart, Morris & Montgomery Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and Lockhart Morris is ignoring FCRA violations despite certified mail disputes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have addresses tied to my credit report that I've never live in my life. One account is from XXXXXXXX XXXX as well as XXXX ; Those accounts opened at a time when I was incarcerated for 4 years ( XXXX ). According to the FCRA inaccurate information must be removed. Currently I am awaiting compensation from the XXXX data breach that took place during the pandemic my personal information was exposed. Also, there are accounts on my profile that has been sold to debt collectors during my 4 year period of XXXX and by law I never received a debt validation letter. Also, I've sent in multiple dispute letters and also identity fraud accusations with an open dispute with identitytheft.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: FL
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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate.my question is-how is that possible if the open date, date of last activity and much more is incorrect? 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-10-07
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Citybank is trying to collect a debt but they was and are in violatio

n of 15 US code 1601, Ch. 41. Congressional findings and declaration of purpose. It clearly states when I read it that The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. There must be an informed decision for there to be an agreement, and that did not happen between us. The first thing is that I made an uninformed decision when I entered into this consumer transaction. Congress says in part ( a ) that there must be an informed use of credit, therefore this is a violation, as I made an uninformed decision. Next, in part ( g ) congress says the the person to whom the debt is arisi
ng from the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or, if there is no evidence then by agreement. Citybank is in violation because there is no evidence of indebtedness, only an agreement, which is null and void because I made an uninformed decision. 
I also need to see proof that they suffered a loss or injury from the transaction since they charged off the alleged debt. I requested that proof and a copy of the 1099C they must have filed after the charge off. I am concerned there may be tax fraud in addition to consumer protection violations. I have learned that the IRS defines charge offs as income and income isnt supposed to be reported on the consumer report. However Citybank not only reported this income on the Consumer Reporting Agencies, they sold the alleged debt in violation.

Finally, in part ( K ), Adequate Notice, congress says there must be a printed notice clearly and conspicuously printed so the consumer is reasonably expected to understand. A computer generated notice of legal jargon was not understood by me, it was not clear and conspicuous and this is in violation of my consumer rights.

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 2018-10-29
Company: AMERICAN EXPRESS COMPANY
State: OK
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 rewards from credit card

Complaint:
I was receiving offers from Amex ( physical snail mail and tons of email offers ) to sign up for a pay over time feature on my card, and receive XXXX membership rewards points. I signed up around the end of XXXX, and received my confirmation email that I was enrolled on XX/XX/XXXX. In the offer, it said the points would be deposited within 8 to 12 weeks. I web chatted with Amex 3 times, when it seemed the points were taking a while to arrive. Once was either 5 or 6 weeks ago, the other time was 3 or 4 weeks ago, and the other time was today. The first chat, they said they would escalate the issue to be investigated. The second time, the associate said they could see the previous chat history and that the issue had been escalated to investigation, but there was no outcome yet. 

Today I got on to do the web chat and was told that the investigation was concluded and that it was denied because there was no such offer on my account. I was never notified of the outcome of this investigation till I asked by myself, today. I received physical advertisements in the mail for this offer, and still have the emails in my inbox. Why I am being told there is no such offer on my account is unclear to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: Kikoff Inc.
State: OK
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:
KICKOFF LENDING LLC XXXX XXXX XXXX XXXX XXXX, Nv XXXX ( XXXX ) XXXX I recently received a copy of my credit report, and i noticed some late payments posted on my credit report : KICKOFF LENDING LLC XXXX These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordancee with the written instructions of the consumer to whom it relates. 
I have not gave anyone written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a XXXXXXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX  ) with 20+ years experience working for the renowned XXXX 

I had been a satisfied customer with Bank of America ( BOA ) for over 25 years. Then suddenly and without provocation ( on my part ) BOA closed all of my accounts ( checking, credit cards, savings ) with their institution. 

I was astonished as I have maintained my accounts in good standing, and have a credit score over 800. 

Needless to mention, this action caused me emotional distress, a distrust of financial organizations and several sleepless nights, I am contacting your organization to alert you of this misdeed and ask that you assist me in getting restitution.

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 2017-06-27
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX CASE CLOSED ISSUE UNRESOLVED AND RESPONSE NOT ACCEPTED. I hired a company last XX/XX/XXXX to help and assist me with the mortgage modification process in order that it 's with in my monthly income requirements. The property and the home was WILL to me from my XXXX Mothers estate. The property deed and the mortgage did have my name on it since my income was required for my Mother to refinance the mortgage. The company that I hired last XX/XX/XXXX also informed me that there were issues with the mortgage documents saying it was XXXX, which I found out is against the laws in New York State to issue a XXXX loan. Unfortunately the modification that the company worked on for me with Ocwen Loan Servicing happened to be the worst modification that I have ever received in the 9 years of Ocwen. 2 law suits against Ocwen within the 9 years and no assistance They are absolutely the worst and with them reported managing over 104 million mortgages and having 9000 employees, that to me is a serious problem. In XXXX Ocwen threatened me with forclosure, threantened me with a phone call of a XXXX XXXX out of Texas stating that I need to contact him back about my home and property and that he worked for Ocwen Loan Servicing. Grant it I filled Chapter XXXX bankruptacy protection not because of the mortgage because I needed to get reorganized. After once again doing research I find out again the CFPB is once again sueing Ocwen Loan Servicing. After skimming through some of the documents regarding the law suit its the same issues that I have been going through over the past 9 years with this organization. I do n't know if I would call Ocwen an organization or a business, there just plain CORRUPT. The law suit is in fact true and the CFPB needs to take control. Attached are all the related documents including a screen image of the voice mail that I received and is still available on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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  Account # XXXX XXXX/XXXX  Account # XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX The Above-mentioned Accounts 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 an 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