BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-01
Company: Summit Consumer Group
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX Bank 's response enlightened me regarding my concern. I am fully convinced that this is a situation that involves fraud. The company that contacted stated that they would file a Civil Suit against me if I did not pay {$850.00} in full by XXXX XXXX. The company 's name is Summit Consumer Group XXXX. They would not under any circumstances allow me to pay through mail or mail me a payment schedule. They wanted me to purchase a prepaid XXXX card to make my payment over the telephone. By the end of the first and only conversation I had with the company, I was able to get a physical address. It is supposedly : XXXX XXXX XXXX XXXX XXXX. ; XXXX, CA. The telephone number I received was XXXX ; XXXX XXXX. I was informed that I could call XXXX XXXX XXXX XXXX XXXX. The following number often appeared on my caller ID : XXXX. This company called my husband and XXXX of my brothers. How were they able to find their names and numbers? In addition, I received credit reports from XXXX, and XXXX during the week of XXXX XXXX, 2016. Summit Consumer Group XXXX claimed that they would remove the bad account from my credit report if I paid them, but it is not on my credit report. Thank you Consumer Financial Protection Bureau! I appreciate your diligence in investigating this disturbing case on my behalf. I am grateful for XXXX Bank 's professional response regarding my concern.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-03
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 credit bureaus keep disrespecting the laws. I 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 go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 received a copy of my credit report and found the following item ( s ) to be errors.

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 2023-02-12
Company: Experian Information Solutions Inc.
State: CA
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:
I reviewed my consumer report and saw unauthorized inquiries : XXXX ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX ( XX/XX/2021 ) I request to have these removed from my consumer 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 non-monetary relief
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: MS
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 submitted a FTC report twice, ( XX/XX/2023 and XX/XX/2023 ) to all XXXX credit bureaus for a fraudulent account. XXXX did their investigation and found that the account was indeed fraudulent and removed it from my report. I submitted their findings to XXXX and Equifax, but they have yet to remove it and the only response that I received was that they would be investigating. That has been over 90 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: CFS ACCEPTANCE
State: NE
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was called by a gentleman from CFS who states that he was contacting me for XXXX XXXX because I supposedly owe {$480.00} for a payday loan ( alleged account # XXXX ) that I supposedly took out with a bad checking account back in 2012. He could not provide me with any information about the company that I supposedly took the loan with and said that I could not talk to XXXX XXXX because it would be a conflict of interest. The phone # is XXXX and ext # is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2015-04-01
Company: Global Recovery Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I RECEIVED TWO VM MESSAGES AT MY PLACE OF EMPLOYMENT FROM XXXX REQUESTING THE NAME OF MY EMPLOYER AND A CURRENT ADDRESS TO SERVE ME PAPERS ... 2ND VM STATED IT WAS IN MY BEST INTEREST TO SPEAK TO SOMEONE FROM GLOBAL RECOVERY GROUP TO RESOLVE THIS ISSUE

Company response to consumer: Untimely response
Consumer complaint received 2021-10-11
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened this credit card ( The Children 's Place, XXXX XXXX ) in XXXX, and made a purchase. At the beginning of XXXX, my family contracted XXXX, I was the first. I was unable to move for several days, and became severely XXXX. I eventually had to go to the XXXX XXXX for help. We are a family of XXXX, and it took us 2  months to get through XXXX, with my husband also ending up in the XXXX XXXX. Needless to say, I was unable to pay any of my bills during this time. Thankfully, most of my other bills are on autopay, but this was a new card, and I had not had a chance to set it up. 

When I called, I have been charged 2 late fees. One of them was waived, the other I had to pay, even though this was due to a circumstance that most companies are being more lenient with. I told the representative that I wanted to just pay the full amount and be done with it. The representative took my payment and said the account had a XXXX balance. 

I sent a letter to the company, asking the late payments be removed from my credit report, as I am in the process of purchasing a house. It was denied, again, even though the cause of the late payment was XXXX related. 

I received a couple more statements in the mail, but did not open them, thinking they were just {$0.00} statements, as I had paid everything in full. When I opened yet another statement today, there were 3 more late fees added. 

I called and spoke with an incredibly rude customer service representative who then transferred me to a supervisor. The supervisor waived 2 of the late fees, and I had to pay an additional {$47.00} in order to again bring this account to XXXX  balance. I requested the account be closed immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: PA
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 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 XXXXXXXX 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 explanation
Consumer complaint received 2019-01-29
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an XXXX credit card through Chase, opened XX/XX/XXXX. I have a 100 % on-time payment history for all my other accounts, so the fact that this card was ultimately closed over issues on their end when I kept trying to make payments, is very frustrating. 

I did let this account go close to 90 days past due ONE time while I was having health issues, because I did not realize it wasn't being automatically deducted like I had set up. I called in XX/XX/XXXX to address this - and here is where the issue is - unknowingly, I gave them my old account number off an old check ( from my checking account with my credit union ), and they CONFIRMED the account came up as " good '' and my payment would be deducted that month. I believe payments were due the XXXX each month. I waited the few days it usually took to come out of my debit account after the XXXX, but never saw a payment deducted from Chase.  So I called back to find out what happened and at this point my account was now 120 days past due in XXXX. They asked me to confirm my checking account information that the payment should have been pulled from - again, unknowingly, I gave the old check numbers, and once AGAIN they said the account was valid and my payment would be processed. It wasn't processed. This happened three months in a row, putting me 180 days past due in XXXX - even though I was trying to pay! After 3 months and nobody being able to figure out why my payments weren't going through, a manager looked and figured out the checking account was NOT active. So I got the correct routing numbers from my bank and they put them in, and then it showed up as " not a valid account ''. I just wanted to pay my bill, but every time I called I felt like I was getting the run around and nobody knew what to do. 

My account was shut off due to non-payment, even though I WAS TRYING TO PAY. They set up a payment plan, and I have been paying {$100.00} each month, on time, for over 2 years. And what is frustrating about this, is I was having to physically go into a Chase branch to pay my bill. They told me that since my payment didn't go through so many times when I was accidentally giving my old checking account numbers ( even though they said it came up as a good, active account ), that now there was a hold on my account and the new, correct routing numbers show as " not valid '' on their end. 


Bottom line - I messed up by being late those first 90 days due to extraordinary circumstances, but I was TRYING to pay my bill and was being told each month that everything was set to work and go through, and then it wouldn't. So my account was shut off even though I was trying to pay my bill. I have a great credit and payment history besides this one thing, so this whole situation is so out of the norm for me and I'm upset how much it has affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-04-07
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
My name is XXXX XXXX. My social security number is XXXX. My Rush Card was lost on XXXX/XXXX/2017 after I transferred {$2000.00} to my daughter. I noticed the card was missing on XXXX/XXXX/17 after I searched for it to pay my rent. I called Rush Card immediately to report the loss and noticed several unauthorized transactions on my account as well. RushCard replaced my card, but would not allow me to dispute the charges until after they posted. They also would not send me the dispute form so I wrote a letter of dispute instead. RushCard received it via email on XXXX/XXXX/17 ( assigned ticket code XXXX ) and US Mail on XXXX/XXXX/17 ( assigned ticket code XXXX ) with US Mail tracking number XXXX. RushCard 's cardholder agreement clearly states that cardholders will receive a provisional credit for disputed transactions within 10 business days from the initial dispute. However, today I called their customer service after the 10 days had expired and no credit had been received. I was informed that they will not issue a provisional credit until XXXX XXXX ( which is 30 days from the dispute date ). When I reminded them of the cardholder agreement, they had no response except to repeat that the credit would not appear until XXXX XXXX. The outsourced international representative would not allow me to speak to the dispute department nor a supervisor. I reminded them that XXXX had recently been sued for defrauding their customers this way and RushCard would likely face the same fate if they failed to honor their cardholder agreement. They disconnected the call. My rent is past due and has been assigned to evictions because I am without my funds. I can not afford to become homeless waiting on RushCard any longer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I asked to be assisted with stopping garnishment of my check what they did was basically had me pay a sum and then told me to start paying XXXX a month I 've been doing that but now I find that the insurance policy that was on my loan has been cashed in so my school had been paid what 's owed Great Lakes is now placing my account on my credit as a collection account and I 've been paying them every month since XXXX. When I call no one has a answer. I 've asked for the copies of my loans with them so I can read over them and they have failed to provide them. They are not supposed to create more of a hardship on me and make it harder for me to pay my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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 information incorrect

Complaint:
XXXX XXXXXXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$29000.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. It hasnt been 30 days from payment due to report late payment. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this 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 explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NY
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:
I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Mandarich Law Group, LLP
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX through XXXX XXXX I and Attorney XXXX XXXX, XXXX has misrepresented the debt and has tried to intimidate and sue for an incorrect amount of debt. In fact, they have sued me for {$8100.00} while the debt previously owed to XXXX is less than {$4000.00}, they have reported and are trying to collect the wrong amount owed to XXXX. In fact, more than half of it includes junk fees as president Biden calls it. This is clearly a violation of Fair debt reporting practices and has damaged my credit and personal life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to Wells Fargo my " account originated as a XXXX, adjustable rate Pick-A-Payment account. The loan closed in accordance with the proper regulations and guidelines in place at the time of origination. The account was properly evaluated and a loan modification was approved for the account. '' The problem with that response is that I was repeatedly denied a loan modification that would allow me to keep my home while making mortgage payments within my means. Wells Fargo as no shame or bears no responsibility for the destructive XXXX loans, which have since been deemed illegal loans, that they've upheld then and now as regulatory and fair loans. All of which are lies as they've been caught again and again violating peoples court ordered rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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:
I'm a victim of identify theft. A XXXX XXXX XXXX and FXXXX XXXX XXXX XXXX  accounts that has been in dispute for the last couple years don't belong to me and I have sent in disputes about the accounts. I was told that I should also send in the FTC reports. I did that along with all information to show who I am. Yet when Equifax got all the information I was told that it couldn't be removed due to disputing too many times. As well as it didn't show fraud before, when in fact it does. I have asked for proof to show that the accounts belong to me and are verified with the original contracts, signatures, dates and driver license to prove this matter. Yet, Equifax says that they can't provide the information as they don't have to but also can't remove.

Company response to consumer: Closed with explanation