BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: WHEELS FINANCIAL GROUP, LLC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
I don't have dates but I have called the loan mart company many times to inform them that this is not loan someone used my information to set up this account. I told the manager and I also know who did it after they told me that I had a co signer which I didn't know anything about. They told me they will have the another manger call me back to investigate but that was about 3 months. Someone was paying on the loan and I was telling the customer service agent that I never opened up this account even when it was in good standing with the credit bureau.. I saw envelope of loan mart coming to my house but I thought they were getting me to sign up for them. I never opened them until I looked at my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX  Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$430.00}.

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 2023-01-18
Company: Bread Financial Holdings, Inc.
State: PA
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:
I have had a number of unjustified charges on this account now for months, dating back to at least, XXXX of 2022, totaling {$350.00}. I have personally disputed all of the individual charges ( some of them TWICE ) within this total, via very long phone calls and being transferred back and forth many times, because the company would send messages ( via their online messaging system ) that they " needed more information '', or because they could " find no proof '' that they were " not legitimate charges ''. So, I had to " re-dispute '' them! This company has a severe lack of timely and specific communication regarding each of the disputed charges. I have received just a couple of letters regarding maybe 2 of the multiple unjustified charges, with the letters having zero details, so that one has no idea what charge, date, or vendor, they are referring to! They basically send generic form letters, and only for some of the disputed charges! I have been given the runaround by this company for months now! When I re-inquire about status updates they just tell me to " give it another 60-90 days for resolution ''! They are absolutely the worst credit card company I've ever dealt with ( Comenity Bank )!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Personal information on my credit is incorrect. 

All addresses and names not listed on the attachment need to be removed. 

This is causes possibly identity fraud/theft DO NOT ASK ME WHICH ADDRESS OR NAMES NEED TO BE REMOVED. ALL ADDRESSES/NAMES NOT ON THE ATTACHMENT NEED TO BE REMOVED 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 2023-02-22
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:
In accordance with the Fair Credit Reporting Act XXXX Account CHILDSUPPORT, 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 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 2023-01-18
Company: Central Portfolio Control Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
File # XXXX and XXXX balance {$37.00}, {$480.00} I reached to to Central Portfolio Control Inc via phone and email at XXXX XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX ( both via email and by phone ). 

On the phone I asked to speak to XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. This was the name listed on the letter which I recently recieved dated XX/XX/XXXX. However the person whom answered the phone refused to transfer the call and then proceeded to tell me that they did not have record of the information that I sent via email and CFPB which was my license, police and FTC report. Then he said that the client ( hospital ) denied my claim. Trying to understand how something was denied without all the facts and information, such as the current drivers license. 

The email that was sent to XXXX stated the following I am in receipt of your letter dated XX/XX/XXXX. File # XXXX and XXXX balance {$37.00}, {$480.00} The letter says if you believe that the amount set forth is not accurate, please send us documentation supporting your position but does not indicate where to send this information. 
License Copy Back.jpg License Copy.jpg I previously provided your agency with copies of the police report/FTC reporting XXXX and license via CFBP and email this email. But if not received, here is again. In addition, I will submit another complaint through the CFBP with this information. 

The documents you sent show a copy of my old drivers license ( taken when I was 16 ) which was lost and replaced in XXXX. The drivers license attached is the replacement which has a more current picture of me and what I would have looked like in XXXX. Attached you will find that license that replaced the lost license is dated XX/XX/XXXX, this date was before the service date of these charges. You should have all the information you need in order to submit a proper response to your client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to request a correction of the following information that appears on my credit report. The late payments for the XXXX, XXXX XXXX, and XXXX XXXX are incorrect. They are reporting inaccurate information. I was never late! I am being taken advantage of as a consumer and these reports negatively impact my credit. I have disputed these accounts and made the Equifax aware of my discoveries and that these incorrect inquiries are on my report without my knowledge, consent, or authorization. I have sent out a number of letters on XX/XX/2023 and XX/XX/2023 and there has not been any response. I have tried on a number of occasions to rectify the matter at hand. These matters violate my rights under 15 USC 6802 ( B ) and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: Resurgent Capital Services L.P.
State: IL
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:
When this company contacted me over the alleged debt, they are required to provide me with certain information about the debt theyre trying to collect. 

Per ref ( b ) under the CFPBs Debt Collection Rule they provide NO clarifying provisions of the Fair Debt Collection Practices Act ( FDCPA ) which became effective on XX/XX/2021. 

The CFPBs debt collection rule requires debt collectors to provide certain information when they first communicate with you or soon after ( generally within 5 days ). When the debt collector provides this required information electronically or in writing, it is called a validation notice. The validation notice is meant to help you recognize whether the debt is yours and dispute the debt if it is not yours. 

The notice generally must include : A statement that the communication is from a debt collector The name and mailing information of the debt collector and the consumer The name of the creditor to whom the debt is owed It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date The current amount of the debt as of when the validation information is provided Information about your debt collection rights, including language that : If you dont dispute the debt within 30 days the debt collector will assume the debt is valid If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt If you request the name and address of the original creditor ( if different from the current creditor ) within 30 days, the debt collector will provide you that information Information on how to dispute the debt The notice must include a tear-off form that you can send back to the debt collector to dispute the debt or take other actions. 
You may see other information on your validation notice, but the information listed above generally must be included. 

This agency failed to provide that information and forwarded to credit bureaus which is a violation. The reason for this second complaint is because, this Agency provided this information to the credit bureaus as retaliation for reporting their company for not being in full compliant with FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/XXXX I sent a request on CFPB to Experian and XXXX. Complaint ID # : XXXX & XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code $ 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-08-26
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My Direct Consolidation Loan was completed ( originated ) on XX/XX/XXXX with a current balance of {$15000.00} with Nelnet. 
Department of Education XXXX XXXX XXXX XXXX, OR XXXX Outstanding Loan Balance Interest/Rate 1. DLSS Repayment {$2600.00} 4.66 % 2. DLSU Repayment {$4100.00} 4.66 % 3. DLCS Repayment {$3400.00} 5.50 % 4. DLCS Repayment {$4900.00} 5.50 % 5. DLSS Repayment {$440.00} 4.66 % XX/XX/XXXX I made a payment for {$3000.00} XX/XX/XXXX I made a payment for {$11000.00} XX/XX/XXXX I made a payment for {$640.00} XX/XX/XXXX I made a payment for {$110.00} XX/XX/XXXX I made a payment for {$440.00} XX/XX/XXXX I made a payment for {$200.00} XX/XX/XXXX I made a payment for {$740.00} Totaling {$16000.00} these payments I made covers the total outstanding loan amount. Also there was a school closure and I was approved for a refund of all payments made. On my credit report the balance is showing {$13000.00}. Previously it was set at over {$6000.00} this is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The credit bureaus keep disobeying the laws. I have showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can keep go onif you need me to all I'm trying to do is provide a better life for my family. 

The credit bureaus have no respect for the laws.

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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out a personal loan through a company called XXXX  online and I made timely payments until I hit a rough patch due to covid hardship. The account was charged off back in 2021. I have managed to pay the account off in full but it still reporting derogatory and paid at the same time. I just want this account deleted off my consumer report. I am trying to buy a house soon and I am doing all I need to get my report healthy.

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 2022-10-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened this claim XXXX agains my bank for a bad management of chargeback request. 
The bank answered that the claim is going to be paid to my account on or after XX/XX/2022 ( didnt happened ) and also the other claim will be finalized on XX/XX/XXXX and will be send a letter with the results ( also didnt happen ) Also I sent requested documents for the claim XXXX XXXX or/and XXXX and until now I dont have any resolution for that case. The fax with the last information requested was sent to the bank on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: JPMORGAN CHASE & CO.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a credit card with Chase Bank on XX/XX/XXXXXXXX  that offered a XXXX first statement credit and my first statement has arrived as of yesterday ( XX/XX/XXXX ) but the credit has not been applied. 
I did see online that they never applied the credit, and I did call Chase Bank on XX/XX/XXXX to ask why the promotion had not been applied and they said give it a couple days. 
In the meantime, I am accruing interest on the money that was supposed to he credited to me and I believe that is the strategy on Chases part. 
I have looked online and see Im not the only one who is experiencing this. I believe Chase is behaving in a predetory manner, trying to collect extra interest by delaying or never giving the promotion at all. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
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: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/XXXX XXXX, transunion, and XXXX. Here is my tracking number XXXX. However its been more than 30 days and the credit Bureaus fail to send me my investigation back. This is not making any sense. According to the law XXXX5 U.SCode1681i-procedures in case of dispute accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting Agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the Agency Shall, free of charge, conduct a reasonable reinvest ovation to determinate weather The dispute information is accurate and Record The current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ) before the end of 30-day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller.

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 2023-01-18
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX XXXX was contacted by mail from Lien enforcement inc about a debt I owed in the amount of {$3700.00} Around or on XX/XX/2023 for a car that was sold by me and my wife last year. I called on the XX/XX/2023 and talked to a representative named XXXX that was so rude and hung up after putting us on hold for what seemed like hours only because we said we had proof that the car was sold to him saying it wasnt registered, tagged, or smogged. He yelled and talked over us saying were pay out XXXX way or another

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation