BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Kikoff Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I contacted customer support to dispute 5 transactions not approved by myself that totaled {$410.00} The billing agreement state the process and policies of the disputed account info as follows ; Contact us to provide the following : ( 1 ) Tell us your name and account number ( if any ).

( 2 ) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.

( 3 ) Tell us the dollar amount of the suspected error.

We will investigate your complaint and will work to correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error so that you will have full use of the money during the time it takes us to complete our investigation On XX/XX/XXXX I called to inquire my I had not received a credit to my account after the 10 days as per the aforementioned billing agreement. After several hours reiterating their own policies verbatim countless times I was told repeatedly that this language was not true and that I was not eligible for any account credit and that was their policy. I asked for specific direction to confirm this previous um herd of new policy but none could be given. This process continued countless times before they simply disconnected the call This is a violation of the XXXX laws On.XXXX I transferred my direct deposit account used to receive my monthly XXXX benefit from SSA to kikoff/XXXX XXXX because of a promotion advertising a {$200.00} bonus to do so. 

This {$200.00} bonus promotion has still not been honored after ive switch to their account and received direct deposits. 

On XX/XX/XXXX my money XXXX benefit of {$1200.00} from SSA paid by direct deposit to this account was not received. 

From XX/XX/XXXX to the current day XX/XX/XXXX Kikoff and XXXX XXXX has stolen {$1800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: DE
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-02-20
Company: Experian Information Solutions Inc.
State: MD
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:
My name is 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 2022-10-17
Company: PRONTO FINANCE 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: Information belongs to someone else

Complaint:
Account Number XXXX Account Number XXXX PRONTO FIN {$2500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$1300.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to put a credit freeze on my account due to a hospital 's remote server being breached. XXXX and XXXX are insisting that I set up an accout with them for all these other services. I do not want the other services and assume that the more my credit information is online, the greater risk of data breach. I feel I should have the OPTION of whether or not I sign up for these services I do not want.

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 2019-04-03
Company: Absolute Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Absolute Recovery Services in XXXX, Tennessee has called at least 10 times a day, every single day. Will hang up and immediately call back. They have called my work repeatedly after being told I can not have personal calls at work. Today they called at least 6 times within 15 minutes, hanging up and calling back immediately. He got rude with the receptionist and told her he needed to serve me with a garnishment and needed the address. He then asked for my supervisor. Yelled at receptionist when she told them my supervisor said she could not discuss personal matters and told receptionist he had to talk to my supervisor immediately. They called back and got someone else who transferred to my supervisor. He told her he was trying to collect a debt from me and that he needed our address to serve me. She told him he could not execute personal service on company property. He argued with her even after she told him she's a manager and an attorney in our legal department. He then told her that he needs to serve a garnishment on me. There has been nothing filed with court. I have received one letter last week stating they were attempting to collect rent from my previous property management company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1.I have never had an account with this company XXXX XXXX XXXX XXXX , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX XXXX  the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: MS
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:
Please have this company remove these late payments for a card that I dont even have. Definitely fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I originally had a student loan with XXXX  which I began making payments on in XXXX. This loan was then sold to Nelnet in XXXX. Although I have been making payments for the majority of the last 18 years the number of remaining payments has not decreased, nor has the remaining balance. This seems strange to me, and potentially predatory, as I am now realizing that there is no real end date for the completion of my loan, but that they seem to want me to make monthly payments to them indefinitely. 

When I called and asked to speak to their specialist, I was told that that position was internal and that I could not be connected to them. There is no recourse for me to better understand what is happening with my loan or how to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: FL
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 noticed fraudulent accounts.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: FL
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:
I sent letters to the bureaux and creditor about one month ago and there's no response.

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 2019-04-03
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was a first time buyer property is FHA, Loan FHA {$330000.00} through loan depot. After all said and done with loan I noticed issues with the property that did not meet FHA guidelines. The # 1 rules for FHA is a heat source in each room. There is no heat source. The appraiser lied on his report, there has not been any gas on the property for 6 years so how could the heater work. Loan Depot also did not ask for the home inspection to verify that the property meets FHA guidelines. I have filed complaints in XXXX after doing my research with Loan Depot, FHA/HUD, the DRE and Real Estate Appraiser Bureau. Loan depot keeps changing there story that did nothing wrong, then anther rep states no we should of asked for the home inspection. I cant get direct answers from them but they insist they have done nothing wrong and will not help. FHA/HUD will not call the appraisal board to see that disciplinary action was taken against the appraiser but I called yesterday to have case reopened and investigated. The DRE is still investigating. I have been fighting this for a year now and no one will help but it is clear the FHA guidelines were not met and the property should have not been sold in the condition it is not meeting FHA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: NJ
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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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 2022-10-17
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX, NATURAL PERSON, contacted Resurgent capital VIA TELEPHONE at XXXX at XXXX XXXX, XX/XX/2022. I spoke TO a YOUNG LADY NAME XXXX  AND A SENIOR CUSTOMER SERVICE REP. NAME XXXX. THEY STATED THAT THEY CANT DISCUSS ANYTHING WITH ME BECAUSE I PLACED A CEASE & DESIST ON THE ALLEGED ACCOUNT. THEY SAID AS OF XX/XX/2022, THE CEASE & DESIST WAS PLACE ON THE ALLEGED DEBT. THAT MEANS ALL COMMUNICATION HAS TO STOP EVEN ON MY COSUMER REPORT. ACCORDING TO 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. IN ADDITION TO THIS DEMAND PURSUANT TO15 USC 1681a ( d ) ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for DELETE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: FL
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 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 2023-11-14
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I filed my initial complaint against Goldman Sachs as the bank issuer of the Apple Card. Please see the lengthy description of the issues. GS representative responded on XX/XX/2023 acknowledging their egregious errors with the handling of the fraudulent purchases made on my Apple Card. However, since their response my credit card has now toggled between restricted and ultimately locked due to XXXX XXXX being listed under installment payment plans. These were the very same phones originally purchased on XX/XX/XXXX ( the date of my card being hacked ) and were reversed under the XXXX complaint response. I was advised by a customer service representative that these were placed on my Apple Card by the XXXX XXXX. However, the dates coincide with the date the GS responder reversed all fraudulent purchases. I am back to where we started as it appears the XXXX " back office fraud department '' is not aware of the complaint response acknowledging the fraudulent purchases or the fact that all of the outstanding issues had been resolved. Additionally I was to have received a return call from the GS responder confirming that my XXXX ID was recovered contrary to the statement made in their response. I have had at least XXXX separate customer service line supervisors confirm the recovery of my ID and that all compromised information has been deleted or other security put in place. 

I have placed numerous requests for a response from someone in the back office operation to get an explanation of the issues but as of yet I have not spoken to anyone in the XXXX weeks since the mess reappeared. I was told they tried once but that my phone would not allow them to be put through and they are only allowed to make XXXX call to a customer. I advised that as they were calling from a restricted number, XXXX does not allow the completion of those calls for my safety. I left instructions that they either call from an identifiable GS phone number or to contact me through email. Again, nothing. To say this has been frustrating and terribly inconvenient just doesn't express the feeling of victimization from the company who states their policy of " XXXX XXXX Liability '' as a hallmark of their organization. What a joke. I have had to advise vendors that my annual renewals normally charged to my Apple card will have to go to another of my accounts.

Company response to consumer: Closed with non-monetary relief