BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: 2288984 Ontario Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX A lady by the name of XXXX XXXX at XXXX and XXXX XXXX aka XXXX XXXX  contacted me stating that they were taking me to court if I didn't pay the debt that I owed from Moneykey. I have been trying to fix my credit so I went ahead and paid {$430.00} to settle the debt because I didn't want it to hit my credit. She sent me a letter of satisfaction of the debt and stated that they will not pursue any other action. 

Then on XX/XX/XXXX I get a call from XXXX XXXX stating that they are going to be serving me with a lawsuit that day if I didn't pay the debt that I owed for Moneykey. I forgot that I had already paid them and not wanting it to hit my credit I set up a payment arrangement and paid {$250.00}. Later that day I finally realized that I had already settled and paid the debt with them in XXXX. I called the next morning to get it resolved and get refunded and they were extremely rude stated that I have XXXX accounts for Moneykey and that I owed them. 

I called Moneykey and was advised that I only had XXXX account and NEVER had XXXX accounts with them. 

I reached back out to XXXX and XXXX consultants aka XXXX XXXX and talked to XXXX XXXX and he stated that it was untrue and they will not be refunding any money. 
I Disputed the charge with my bank account and left it alone. 

On XX/XX/XXXX at XXXX, XXXX, and XXXX I received a call from the " Attorneys office '' of XXXX and XXXX consultants demanding that I pay them or they were going to be serving me with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Phoenix Recovery Group placed a collection account on my report on XX/XX/XXXX. The only contact I and my wife received from Phoenix was via email. ( See attached ). The information was disputed with each credit bureau on XX/XX/XXXX. They did provide information concerning the validation of the debt. The debt was disputed directly with XXXX XXXX XXXX and Phoenix Recovery Group on XX/XX/XXXX via fax and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My new payment was scheduled for XXXX XXXX XXXX The loan servicer, MOHELA, was supposed to provide me with a bill 21 days prior to payment. I paid my minimum payment on the XXXX but as of the date of this writing, have not received a bill or an explanation of how my payment was applied. When I called MOHELA the wait times are over an hour. I am unable to wait for over an hour to talk to them because of my work schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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: Account information incorrect

Complaint:
On XX/XX/XXXX, my payments to XXXX XXXX was on auto pay with a paper check from XXXX payments each month towards the credit card at XXXX XXXX account number XXXX XXXX XXXX XXXX credit card account that I established last year Ive been making payments every month Unfortunately they change their mailing address so the payments from On my account at XXXX, see XXXX letters stating I made payments to XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX When I called our contact XXXX XXXX they were not very helpful and they wouldnt talk to XXXX to verify this and they were not gon na do anything for me so thats why Im going to you guys because this is unfair and has hurt me financially with XXXX XXXX bureaucracy and not really giving a XXXX about me! See the documents Ive attached proving I made payments to them that they were return to XXXX uncashed. 

Unfortunately XXXX XXXX was returning my checks and didnt cash in them even though im making payments to them they did not credit my account and therefore I was delinquent they never contacted me to tell me this until shortly where I get a credit report from Trans Union showing me negative information basically my credit score dropped XXXX points when this was reported on XX/XX/XXXX that I was 30 days late and then 90 Days late to Transunion XXXX 



I tried calling XXXX XXXX with no success and I feel like Im getting the short end of the stick because Ive been making payments since I started the loan in XXXX, XXXX, with success in XXXXand they were getting my payments and then all of a sudden the address changed and they werent cashing my checks so I feel this is unfair since Ive paid them off and they have this report of misinformation, please see the documents Ive attached showing I made payments every month to the XXXX XXXX XXXX credit card account

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  : # XXXX, US DEPT OF EDUCATION : # XXXX, However, they stated everything was complete and accurate. But 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 supposed to modify accounts that aren't reporting correctly.

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
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: CT
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/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 2021-01-11
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX, my fiance had a student stipend of {$5700.00} deposited into my card BlueBird American Express Account. Not knowing this would be a breach of contract. That same day the money was deposited, the card was suspended, and we were told the funds were returned to the originator. Funds were never sent back to the originator. On XX/XX/XXXX a complaint was filed with the Consumer Financial Protection Bureau. With the aid of the Consumer Financial Protection Bureau, Bluebird by American Express agreed to return the funds within 10 business days of receiving a Letter of Indemnity from the originator 's bank. On Thursday XX/XX/XXXX, at XXXX XXXX XXXX a representative for American Express 's Fraud Department, and his supervisor XXXX both reported that American Express 's Fraud Department had received the Letter of Indemnity from the originator 's bank on XX/XX/XXXX. In a follow-up call with American Express 's Fraud Department on XX/XX/XXXX, at XXXX XXXX., XXXX a supervisor for American Express 's Fraud Department reported that the payment investigation team had received the Letter of Indemnity on XX/XX/XXXX and the situation could take up to 10 business days for funds to be forwarded back to the originator and due to the holidays, the funds should be returned no later than XX/XX/XXXX. On XX/XX/XXXX I contacted the originator to see if the funds had been returned and it had not. Then again, I contacted the originator on XX/XX/XXXX and the funds still have not been returned. Currently, Bluebird by American Express, Customer Service, and Fraud department can no longer be accessed through the XXXX ( XXXX ) XXXX nor the XXXX ( XXXX ) XXXX, both numbers refer to the online site for help which I can not access because my account is frozen. I still presently, receive emails weekly from BlueBird stating my balance is {$5700.00}. The last email sent was Wed, XX/XX/XXXX at XXXX XXXX stating my balance is {$5700.00}. Again, I am requesting the funds be returned to the originator. I strongly feel Bluebird by American Express is attempting to steal these funds and none of their actions suggest otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Fidelity National Information Services, Inc. (FNIS)
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: Was not notified of investigation status or results

Complaint:
Ive disputed this same account on my XXXX file multiple times it is linked to a fraudulent activity being used with my name and social security number. Im resubmitting this information just in case XXXX havent already received my other documentation. Theres also a checking and savings account reporting on my consumer reports for XXXX XXXX and Chexsystems consumer reports and state on this is in my identity theft report which I will provide a pdf for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Because of my identify theft issue, cyber criminals able to deposit fraudulent checks and withdraw funds thru electronic transfers. That caused other transactions bounced back with return fees and overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've checked my credit report and I'm studying my consumer rights. I've spotted an issue with account number ending in : XXXX from XXXX XXXX. There's a {$0.00} balance with a 60-day late payment, and this violates my rights under the credit reporting act.

According to 15 USC 1681 Section 602, I have the right to privacy.

In 15 USC 1681 Section 604A, Section 2, it's stated that a consumer reporting agency can't provide an account without my written instructions.

Also, per 15 USC 166B, a creditor can't label a payment on a credit card account as late for any reason under an open-end consumer credit plan.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: LA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 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 2023-02-04
Company: Experian Information Solutions Inc.
State: GA
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:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain

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 2022-11-28
Company: EQUIFAX, INC.
State: NV
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
In XX/XX/2019 I paid off a Negative Wal-Mart debit with a  collection agency XXXX XXXX. It has been closed and listed as paid through XXXX and XXXX. The issue is that XXXX still shows it as a negative account which has caused issues with me purchasing a home. 
I have submited documentation though their dispute center once via their web site and a 2nd time via mail. Each time I have submitted the documentation the account doesnt get corrected in their system I would like my Wal-Mart account to be corrected and not show as negative on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: GA
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:
After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under XXXX collections and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/22 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2021-11-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a one time purchase at the XXXX store and opened their their comenity bank card to get a discount. I am continually getting interest charges which they say they wave and no charges are pending but then every month I get a interest rate fee. I call and try to pay the fee and they keep saying no pending charges. But I keep getting a fee and interest payment bill every month. Starting from XX/XX/2021 until XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Ad Astra Recovery Services Inc
State: CA
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:
Ad astra recovery They called me several times and tried harassing me and they put it on collection..now its affecting my credit

Company response to consumer: Closed with explanation