BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-06
Company: MIDCOUNTRY FINANCIAL CORP
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
During one of my deployments a XXXX XXXX loan was refinanced in my name. I was unaware of this debt until about XX/XX/2017. This account wasnt opened by me but to prevent loss of my clearance I caught the payments up and have been making them in effort to prevent my credit from taking any continued downspiraling. I contacted XXXX to request a goodwill effort to have the late payments removed from this account because I was unaware of the loan and was XXXX when it was opened / refinanced. I have never heard from anyone about this issue. I make the monthly payment on time and digilently did what was necessary to bring it current when I found out this account had been refinanced. XXXX XXXX XXXX is suppose to be a company looking out for servicemembers but instead it seems like a predatory lender. High interest rates and no flexibility to help servicemembers .Where are the benefits for servicemembers on XXXX or protection? I am not asking to discharge the loan only asking for XXXX to remove the negative payment history as i was on XXXX to XXXX when the loan opened and when the late payments occurred. I have made numerous attempts to get help with this by contacting the Customer Advocates, XXXX XXXX and XXXX XXXX only to hear nothing back. In the past I had a good relationship with XXXX and that is the only reason I took responsibility for this loan I did not open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: GA
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:
Experian is reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none. 
I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , USCA-02-C-0072, 7th Circuit Court , XXXX XXXX. I demand that you take action to correct your errors. I request that you provide me with written documentation of how and what means you used to verify these payments. 
Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any and all obligations of your reporting bar none. 


Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Late Payment Date : XX/XX/XXXX Late Payment Date I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for accountXXXX to report ON-TIME and/or CURRENT payment in XXXX. 
If not physically irrefutable you are not authorized to retain or report these allegations so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.

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 2023-09-21
Company: Blackhawk Network Holdings Inc.
State: NC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
In XXXX my husband and I each received a XXXX $ virtual card from XXXX because our identities were stolen. XXXX sent me a link to a website. I used a code but I got no card number. Last month I received an email from My Prepaid Center asking me to retrieve a card number so I could use it by clicking a link. I thought it was a scam, so I ignored it for fear they would steal my identity. But my husband got the same email, he tried it and told me it was not spam. 

So I clicked the link only to discover that the XXXX $ card XXXX gave me contained less than XXXX $!!! The prepaid center site had been taking out fees of {$5.00} a month!! On a XXXX $ card!!! 

I couldn't use the card because I didn't have a number and was unable to load it into a wallet, so I was worried that every month they would keep billing me even when my card was empty. 

The same thing happened to my husband. After hours of talking to people, the company told him it was a computer mistake and they would refund and send him a plastic card. He got no proof in email, so he contacted the consumer finance agency and they made sure he got the money back and a physical card. 

He told me to call My Prepaid Center so I could get my money back. I called today, XX/XX/XXXX, But my prepaid center told me there was no computer mistake, and I would get no refund of fees. They said that I would be charged XXXX $ for every month the unusable card sat on their system. They refused to send an email promising to stop the fees after the card was emptied by them. I became afraid they would send me to a collection agency for fees on a card that I couldn't use. 

The support person said they could not send me a promise in writing that I would not continue to be charged. 

When I told them that they refunded my husband 's fees, they lied and said it was a different type of card and a different set of rules, but it was the identical card from XXXX. 

I am a woman and have a foreign accent, so I became suspicious when we were treated differently under the exact same circumstances. Why would they refund my husband 's card and not mine? I wonder if the scam is to see who they can bully into accepting the fees. Perhaps they thought I would not file a complaint because I'm a woman and XXXX. 

I just want my XXXX back and a physical card. I want the government to look into the legality of these fees. 

I don't have a card number, but my account is found by using my email - XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance 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 non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
My TransUnion score. on XXXX XXXX, 2023 was XXXX on XXXX XXXX drop XXXX XX/XX/XXXX drop XXXX XXXX XXXX drops XXXX XXXX XXXX drop XXXX XXXX XXXX drop. XXXX XXXX XXXX drop XXXX, From my understanding. The more you pay off your debt the higher your score goes. TransUnion is stopping. me from buying a house with the dropping of my score even though I`m paying off debt. I can seen you copy of my score.

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 2023-02-13
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, THE TERMS YOU AND YOUR REFER TO Capital Accounts LLC. 

This document revokes all options for remedy requested prior to the date of the notarizing of this document. 

Attached are the communications, violations, and exhibits for evidential proof. 


BE MINDFUL SOME VIOLATIONS ARE CONSIDERED BOTH CIVIL AND CRIMINAL. 

This is my final plea for remedy, in which, I will proceed with the filing of complaints. Ive recently sent communications, Exhibit B, Exhibit F, via USPS mail, Exhibit G, requesting remedy for the damages caused by your willful act ( s ). I received correspondence in regards to my requests, Exhibit E, stating, This is in response to your letter dated XX/XX/2022, wherein you allege that Capital Accounts violated the law in attempting to collect a debt from you Capital Accounts denies any such wrongdoing or liability .... I acknowledge your admission of handling the account ( s ) in the past, Exhibit E. Regardless of the admission, I felt the response was disrespectful and emotionally triggering. You blatantly denied and refuse to take accountability for your willful injurious act ( s ) of torture. Yet, youre admitting to your handling of the account prior to my receipt of Exhibit E, which furthermore, verifies your guilt of the following violations attached to this communication, along with exhibits for evidential proof, but not limited to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Experian Information Solutions Inc.
State: TX
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/2018 I decided to check my free fico scores. After checking them FREE I noticed a charge from Experian Credit Report for {$23.00}. I was charged again on XX/XX/XXXX. 

I never signed up for a service. Plus I've tried to cancel and I'm not able to speak with anyone. I've called : XXXX XXXX XXXX XXXX XXXX Every time I call it's ALWAYS a computerized program and you never speak with anyone. I have the ability to chose XXXX  for billing then XXXX  to cancel. It states your free credit report is now cancelled. This isn't want I wanted. I want my free one but don't want to pay for it. 

I've also logged into my account online - My Profile - Billing information and Membership information and there is NO way to cancel my membership. 

I'm in the IT industry and I find this whole situation corrupt! I'm able to go through all these steps to find a solution. What happens to an older person who can't take these steps? Experian is stealing from them. 

I want my money back and membership canceled. 

Thank you, 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 monetary relief
Consumer complaint received 2023-10-13
Company: Grain Technology, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They keep reporting my account as a charge off for a lower amount. Then it shows the account is open and a payment hasn't been made since XXXX. Yet, they've withdrawn money from my bank account as recent as XXXX. Because I dint have access to an XXXX I can't login to my account and when contacting them I'm being told they can't verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My vechile was repossessed last year for one late payment which I had already call to make payment arrangements I had just had my car painted and new grill etc put in the wrecker damage my car and never responded my car have been running poorly every since I have been out of thousands of dollars to get it fix ..After replacing still same issue my car is now making a rattles sounds and the stability is very poor the company the states they have pictures of how my car was towed but it was all a lie just so I would drop my claim and I didnt

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

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 2022-04-13
Company: Experian Information Solutions Inc.
State: AL
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:
CRA not in compliance with FCRA & FCPBA this investigation is taking longer than it should.

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 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my banker ( of 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX {$53.00} XXXX  XXXX  XXXX {$390.00} XXXX  XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX {$190000.00} XXXX  XXXX XXXX {$21000.00} DEPT OF EDUCATION/XXXX  XXXX {$3500.00} DEPT OF EDUCATION/XXXX  XXXX {$3100.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 explanation
Consumer complaint received 2023-10-18
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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.

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 2018-09-04
Company: Experian Information Solutions Inc.
State: NY
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 applied for a loan payment deferral with XXXX XXXX. The agreement covered 2 months XX/XX/2018 and XX/XX/2018. The agreement was approved. I was initially told verbally that the agreement must be signed and returned immediately after receiving. I began to look for the agreement within 24 hours. When I spoke to customer service I was informed it would take at least 72 hours not including the weekend. I received the agreement and it was signed and faxed on XX/XX/2018. With the agreement covering XX/XX/XXXX and XX/XX/XXXX my next payment would be due on XX/XX/2018. To my dismay it was reported to the credit reporting agencies that I past due for both. XX/XX/2018 and XX/XX/2018. When I put forth a dispute nothing changed then I submitted the original agreement. That was submitted to XXXX and now my credit report shows I was late for XX/XX/XXXX only. I have made good faith attempts to correct this with all 3 reporting agencies and XXXX to no avail. The information sent to me by XXXX outlining the agreement and signed and returned by me clearly covers. XX/XX/2018 and XX/XX/2018. So now I need your agency to assist me to make this right.

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 2023-02-11
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today is XX/XX/23 and I had called XXXX XXXX  XXXX a month or so ago asking if there was any outstanding balances owed. I was told there was no outstanding balance. I was not informed anything of wether or not the debt may have possibly been sent to a 3rd party collections agency or not. If that was the case, why was I not informed if there was still a debt being owed for that account regardless if it was sold? To my understanding, I do not owe any debt to XXXX XXXX  XXXX. That phone conversation can be pulled up and evaluated for accuracy of my claims. On XX/XX/23 Halsted Financial contacted me via text regarding Check Into Cash loan. It was stated at the end of the text message that " this is an attempt to collect a debt ''. If that is true, I was misinformed by Check Into Cash for falsifying the details of my account with them. Due to this miscommunication, if money is indeed owed then the collections needs to be removed from my credit report immediately upon receiving payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts are unknown authorized users accounts that's on my credit report inwhich i have absolutely any knowledge of and I'm demanding that they are removed from my credit file immediately. 

1 ) XXXX XXXX XXXX Credit Card 2 ) XXXX XXXX  Credit Card

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 # XXXXXXXX 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 explanation