BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: FISERV INC.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a client that had multiple stolen credit cards back in XXXX of XXXX. He booked XXXX reservations with us and used a different credit card each time saying they were prepaid because he loads them from being an investor through bitcoin. The merchant service I had during that time ( First Data ) started to hold my funds without any communication on what happened. I called my credit union that I have my business account with ( XXXX XXXX ) to ask why my funds were not being deposited for the past couple days and they said they would look into it. I finally heard back from them that they were holding all the funds ( almost {$25000.00} ) due to some charge backs coming through. When they told me the dates and amounts I was able to figure out that it was the client with the prepaid credit cards that he said he had. All his transactions came out to around {$2800.00}. Since this situation I have signed up with a different merchant to keep business going and I take better precautions with getting all the information for every transaction that comes through. I don't accept any cards that a client says is prepaid anymore and I will only accept major credit cards. The bank says they have no control over this merchant releasing the funds and they don't have any answers on where my money will be released. All the charge backs have happened and I have paid everything back for that client back in XXXX. I also didn't get clear communication on fighting the chargebacks and lost the money that client had stolen from missing the window to fight them. I would have if the person at the bank told me clear communication on what to do. I understand that this merchant wanted to hold funds from what happened but to hold that much money and to keep telling the credit union that they will reevaluate releasing the funds and then nothing happens is getting me concerned. I have all the email correspondence on this from the past couple months that I can send in as well. XXXX XXXX told XXXX they would seek legal on this merchant but have failed to do so. Please let me know what other information you might need. Thank you, 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 2018-10-24
Company: Key 2 Recovery, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was a student at XXXX college and paid {$5700.00} for first quarter and second quarter I took out a loan in the amount of $ XXXX.XXXX College closed their doors without notice to students. XXXX attempted to do a teach out but was denied by state XXXX XXXX. Students have lost credits which are not transferable to other colleges and we will not get our money back on previous amounts paid to that school. Never once was I informed I had a balance while attending school. They closed their doors, no one can be reached to answer questions, and they send students to collections without explanations to why balances are owed. When I contacted Key 2 recovery on the collection balance I was told by XXXX it was in my best interest to pay or it would be reported to the credit bureau. I am seeking help to resolve this issue. XXXX never notified me I had a balance thru email, mail or as a student. I think it is unfair as to the way everything with the closure has been handled and at the end we lost credits, money and now threats from a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, 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:
Someone has used my personal information to open XXXX loans and XXXX credit card under my name which are now reporting on my credit. I do not know who used my information but these accounts must be removed from my credit report! 

I am filing the necessary paperwork in order for my request/demand to be made. The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$15000.00} ( CREDIT CARD ) XXXX XXXX XXXX XXXX XXXXXXXX {$25000.00} ( LOAN ) XXXX XXXX XXXX XXXXXXXX {$25000.00} ( LOAN ) These three accounts are unauthorized and were not open by me. They must be removed from my XXXX, XXXX, and Equifax credit reports!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00} LXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: ALLIANT CREDIT UNION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I am writing to file a formal complaint against Alliant Credit Union for what I believe to be a violation of the Equal Credit Opportunity Act ( ECOA ). 

I applied for a consumer credit plan with Alliant Credit Union. Shortly after, I received an adverse action letter from the institution. The letter cited factors such as debt and accounts but did not provide a substantive reason for denying the credit transaction. According to the ECOA, creditors are required to provide specific reasons for adverse actions, and these reasons must be factors that were genuinely used in their decision-making process.

I believe that the adverse action taken by Alliant Credit Union against my application was not only unjustified but also discriminatory. This action has caused me financial distress and undermines my rights as a consumer under the ECOA.

I request that the CFPB investigate this matter thoroughly to determine whether [ Credit Union 's Name ] has violated the ECOA and, if so, to take appropriate action against the institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was a XXXX XXXX  debt which i paid and settled a while back, this was then handled ITEM IN DISPUTE : LVNV FUNDING LLC DISPUTE REASON : Accuracy This account is settled. 
This account is not a collection or charge-off. 

I have repeatedly told them to show me statements as the collection is invalid and also mailed them i dispute this but they have not provided any evidence LVNV funding need to delete this dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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, 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.

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 non-monetary relief
Consumer complaint received 2023-05-01
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:
n accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX 'S account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2017 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1600.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
was on the phone with chime regarding a {$6.00} charge to dispute it was transfered to someone who said he would walk me through the steps to dispute the charge and my account would be credited i was asked to confirm the amount in my savings and checking account and told how to request the XXXX payment be replaced and i remember all the steps i was then told to log out of chime the log back in and the {$6.00} would show as credited back to my account the representative asked me to log out and let him know when i was out of the chime app i did so and the representative hung up the phone when i logged back in my savings and checking accounts were emptied i notified chime and was told it would be treated as a dispute but the claim was denied even though it was their representative who stole the money from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted a copy of my social security card, a current address, date of birth and a utility bill to authenticate my identity twice by first class mail and Lexis website. Lexis Nexis has ignored the documents and encouraged me to resubmit through their website. Due to ongoing identity theft issue ls via the internet I rather use the U.S. postal mail and Lexis has not indicated they have not received the requested documents in order to release my consumer file and update my information. My social security number ends in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I found out that there are 2 debt collections and credit card accounts under my credit report which are not mine. So I contacted all 3 credit bureaus ( XXXX, XXXX and XXXX ) and also all the credit card company and debt collections. The thief used my identity opened accounts : 1. Midland Credit Management : {$610.00}, date opened on XX/XX/XXXX. XXXX. Midland Credit Management : {$500.00}, date opened on XX/XX/XXXX. XXXX. XXXX 's : {$1300.00}, date opened on XX/XX/XXXX. XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
Hello, please see documents attached for more details. I hope you can help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
this company has been sending me several emails threatening to take me to court. The company at first starting stating they were   XXXX   XXXX   XXXX   then they stated they were  XXXX   XXXX  and now they are stating they are  LVNV f unding. This company is impersonating different companies per their emails. I do not have a contract with LVNV Funding or do I have a contract with  XXXX . This company has not sent me any validating legal contract with my valid signature that I agreed to do business with them. this company is now showing on my credit report hindering me from establishing credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Due to deception the account was under litigation, settlement has been made and I have not heard anything in regards to the payoff of my loan I do fall in the time frame

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
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:
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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On my report it is a tax lien which I have disputed before with   XXXX   and   XXXX    and they removed the inaccurate account. I have also disputed the account with Equifax and they keep saying it is accurate but it is not in fact and the other  XXXX  agencies have removed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 received a new hard pull credit inquiry from a company called XXXX XXXX, on my transunion report. Date of Inquiry was XX/XX/2023. I never made an inquiry to this company for credit of any type and have never done buisiness with them. 

When contacted on XX/XX/2023, the company said that I must have applied for a loan, and then refused to delete the inquiry. Transunion refused to delete the incorrect information from my account when I contacted them by phone on XX/XX/2023, and referred me back to the original company that made the inquiry without my permission. 

I never applied for credit from this company, and never authorized them to check my credit for that purpose. I would like this inquiry deleted.

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 2017-05-09
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Time : Early - Mid  XXXX  Problem : I Was Being Restricted From Withdrawing Funds Via ATM. Upon Request Why, The Bank Representative Said It Was Due To Change Of PIN. I Never Changed My PIN. Someone On The Inside Was Restricting Me From Withdrawing For Reasons Yet Unknown. This Was The  Second Time. The First Time They Claim It Was Due To The ATM Card. The Card Was Still Fairly S till New. I Found It Odd Due To The Fact That I Was Able To Make Purchases With It Before The Issue. So  I Closed My Ac counts.   Someone On The Inside Was Selling My Info. I Ca n't Prove It, But My Gut Is Strong On This Feeling. Forensic Science Can Reveal The Veracity Behind My Claims.   Fast Forward To  XXXX . The Same Institution Has Purchased The Brokerage Firm I Have An Account With.

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 2017-05-09
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX   XXXX  , is attempting to collect a debt that is now owed by me. The debtor has the same name as me, however they have a Texas address. A debt validation letter was sent to Convergent, however they would only provide a statement with a name on it saying the debt was verified. I requested a debt validation.

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 2023-08-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 further states a consumer reporting agency can not furnish an 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 7 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 accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: NC
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:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXXLate Payment XXXX XXXX XXXX, XXXXUnauthorized Inquiry

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 2022-04-07
Company: Experian Information Solutions Inc.
State: IL
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 never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if open date is inaccurate, the No. of Months ( terms ) is inaccurate, date last reported is inaccurate, and date last active is inaccurate. XXXX also re-aged my account. This is all grounds for removal.

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