BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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:
Rushmore Loan Management Services Has violated my right to privacy according to The Fair Credit Reporting Act under 15 USC-1681B Section 602A.Rushmore Loan Management has also violated my right under 15 USC-1681A Section 604A Section2 which also States a consumer reporting Agency can not furnish an account without my written instructions. This account is at a {$0.00} balance no further obligation on this account Rushmore Loan Management have not given a 1099-C form for filing as I am Required to file on tax forms in which would be counted as income. I have no other obligations to this account and is at a {$0.00} balance. This has been an embarrassment as well as a hinderance for my family and I moving forward in being Qualified for possible Mortgage lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: First Technology Federal Credit Union
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I opened an account with First Tech Federal Credit Union. At that time, I signed up using a friends valid referral link and enrolled in a {$100.00} new account promotion. The promotion required depositing {$250.00} within 30 days and maintaining that balance for 30 days. My {$250.00} opening deposit posted on XX/XX/XXXX and I held this balance for 60+ days. I did not receive the bonus from the bank and after following up with First Tech, I was informed that my referrer was ineligible to refer me. However, after reviewing the terms, there is no clause stating that I would not receive the bonus if the referer was ineligible ( just that the referring party would be ineligible for their bonus ). I have successfully completed the terms of the bonus and am requesting that the credit union honor their promotion, Terms for Referred members ( from First Tech ) ( 1 ) To qualify for the {$100.00} reward, must establish membership and open a checking account. Account opening subject to approval. 
( 2 ) Within 30 days of checking account opening, must deposit at least {$250.00} in new funds into their First Tech checking account and maintain an average daily balance of at least {$250.00} for 30 days from initial deposit. New funds must be deposited from a source outside First Tech. Transfers between First Tech accounts will not qualify.

( 3 ) Limited to one {$100.00} reward and not available in combination with other new member offers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: DISCOVER BANK
State: NY
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:
Hi, my name is XXXX XXXX and I am contacting Discover Bank on behalf off my account # XXXX. It is a secured credit card that is supposed to be helping my credit however it is doing the total opposite in which wasn't proposed to me when this account was opened. There are two late payments for XX/XX/2021, and XX/XX/2021 however this is my own money I put as a deposit on this account so it is impossible to be late on my own $ that I put down as a deposit for this account according to the FCRA and USC laws. Please see the enclosed documentation attached. Also I have autopay enabled there was an payment processing issue on Discovers behalf reason to why the payments never cleared in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They reported an amount to my credit report when I contacted the original debtor they give me a much lesser amount & still I settled with this company ( PHOENIX RECOVERY GROUP ) and they agree to removed all info and notations on all credit bureaus after 45 days after i paid em what they told me but they didnt remove it, I call em and she said ( XXXX XXXX rep ) maybe is gon na take longer you should pay the rest ( we agree on a settlement ) now they told the credit bureaus the info on my reports are right even tho I have the proof where they agree to remove it after I paid em the amount we agree I all send so many emails they dont reply back no more i think this is unfair i did what they told me and they didn't live upto what they offer even XXXX XXXX approved my letter stating my account will be deleted but no they just took my money and didnt deliver they promises

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased an XXXX XXXX in XXXX, after 3 service calls to replace the Turbo and Catalytic converter, I returned the junker and leased a XXXX model.Audi FINANCIAL double billed me for the XXXX lease and will not answer or return calls to fix this and put my new lease on AUTOPAY. Please go to XXXX website and see the customer reviews, they are all very negative. We wait XXXX hour and they disconnect or promise a callback that never happens. Their claim of great customer service is a fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
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: Information belongs to someone else

Complaint:
I have items on my consumer credit report I dont recognize. I XXXX XXXX did not open these accounts, therefore they are fraudulent accounts. I dont a contract with any of these companies. I would like an investigation conducted, and these accounts deleted from my consumer credit report as soon as possible. 

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 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts below are fraudulent, and would like them deleted immediately from my credit report. 

XXXX : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$8000.00} XXXX : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent XXXX XXXX XXXX XXXX : Account number : XXXX  open date inconsistent and or duplicate account. 
XXXX XXXX XXXX : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX XXXX XXXX XXXX Account number : XXXX inconsistent. Not mine, do not have a contract with them. 


I also have 2 different social security numbers being reported on my Experian report which is impossible. My social security number ends in XXXX, but you have it has both XXXX, and XXXX which suggests these accounts may belong to whoever social security number ends in XXXX. The dates these accounts are reporting to have been open are inconsistent. The amounts are inconsistent.

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 2019-04-06
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: FinCo Services Inc DBA Current
State: MN
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:
Dear CFPB I am writing to file a formal complaint against CURRENT concerning an issue that has had a significant adverse impact on my credit score. I am seeking the CFPB 's assistance in rectifying this matter. 

On XX/XX/23, I discovered that CURRENT had reported a credit card account on my credit profile, which was, in fact, a debit card account. This erroneous reporting displayed a {$0.00} balance and an associated credit limit, despite this not being a credit card account. This inaccurate reporting has led to a decline in my credit score by over 107 points.

I have made multiple attempts to resolve this issue with CURRENT by contacting their customer service. However, they have been unresponsive or unable to correct this error. 

Attached, please find my credit report from XXXX XXXX AND XXXX showing the inaccurately reported credit card account. 

I kindly request that the CFPB investigates this matter and intervenes to have the inaccurate credit card entry removed from my credit reports. This error is causing financial hardship and hindering my ability to access financial products and services. 

Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or XXXX if you require further information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: SC
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX A XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2020-12-30
Company: CITIBANK, N.A.
State: VA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-30
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: Was not notified of investigation status or results

Complaint:
I mailed out 3 letters on XX/XX/2020 to dispute an online payday loan that was taken out in my name without my consent and its now on my credit report and Ive sent several letters asking to send the contract with my signature so I can prove that its not mines and remove it and I havent received anything back from the credit bureau and its been over 60 days. 

This has caused me not to be approved for many things as its in collections so its very damaging to my credit report which affects my lively hood! This has caused so much mental stress especially during these times. Please review!

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 2023-04-10
Company: Experian Information Solutions 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:
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 account. 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. Please delete the account : XXXX XXXX XXXX Date Opened : XXXX Balance : {$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 2022-08-25
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act Convergent Account # 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. 

I have disputed this account before and it has not reported however its still showing on XXXX and equifax. the last reported dates are even incorrect. It keep updating and don't even say the description of debt. i need to see an original contract. Nothing is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: GA
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:
I am writing to formally lodge a complaint and request an investigation into the actions of XXXX XXXX XXXX regarding my credit report. I have recently discovered several discrepancies that I believe are in violation of consumer protection laws and credit reporting regulations. 

Account Information : Creditor : XXXX XXXX XXXX Account Open Date : XX/XX/XXXX ( XXXX & Equifax ), XX/XX/XXXX ( XXXX ) Closed Date : XX/XX/XXXX ( XXXX only ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Reported : XX/XX/XXXX ( XXXX & XXXX ), XX/XX/XXXX ( Equifax ) Credit Remark : Reported as a loss by credit grantor ( XXXX ) Last Payment Date : XX/XX/XXXX ( XXXX & XXXX ), XX/XX/XXXX ( Equifax ) The following issues indicate non-compliance with relevant consumer protection laws and credit reporting guidelines : Discrepancies in Last Activity Date : The date of the last activity on my credit report is stated as XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax. Such a significant difference in the last activity date is concerning, as it suggests inconsistencies in reporting across the three major credit bureaus. This lack of uniformity raises questions about the accuracy and fairness of the information reported, potentially violating the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Credit Remark : The credit remark stating " reported as a loss by credit grantor '' by XXXX is misleading and potentially damaging to my credit history. This remark is not only unclear but may be inaccurate, violating the FCRA 's requirement for creditors to report accurate and fair information. 

Date of Closure Discrepancy : The account closure date is reported as XX/XX/XXXX by XXXX only, with no corresponding information for Equifax and XXXX. This disparity creates confusion regarding the status of the account, making it difficult to ascertain the account 's history and compliance with the FCRA 's regulations. 

I kindly request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations of the Fair Credit Reporting Act. Furthermore, I would appreciate your assistance in addressing and rectifying these issues with XXXX XXXX XXXX, to ensure that my credit report accurately reflects my financial history in accordance with the law. 

Please find enclosed copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance on how to proceed in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: SC
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:
Its been over 30 days and the creditors have not provided updated information nor has provided proof of documentation of listed debts. They have not supplied any validations, written or signed consent from myself, XXXX XXXX, description of proof of investigations, or proof of accuracies. Under federal law, they had 30 days to complete the investigations. By failing to do so, the items MUST be deleted from my credit report AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, my house mate made me aware at about XXXX that there was fraudulent activity on her Bank of America account. Being that I too have an account with Bank of America I logged into my account and to my dismay I see that a total of {$640.00} were withdrawn from my account that morning. The withdrawal was made at a XXXX XXXX ATM located at XXXX XXXX XXXX XXXX . XXXX, XXXX NV XXXX. The withdrawal must have happened anytime between midnight and XXXX. I know it was an ATM withdrawal because there is an additional charge of {$1.00} for an ATM cash withdrawal fee. 
Please note the I still have the debit card in my possession. 
I immediately called Bank of America to report the incident, they suspended my debit card and transferred me to their claims department. I was provided with the following claim number XXXX. 

After a couple of days I received a letter from Bank of America stating that claim number XXXX for the account ending in XXXX was closed on XX/XX/XXXX. Based on the timeline, my claim was closed within 24hrs. They didn't even review the police report that was made on XX/XX/XXXX and faxed to Bank of America on XX/XX/XXXX. After receiving the letter that stated that my claim was closed I called Bank of America and told them I had faxed to police report. The Bank of America representative said they would reopen the case and would be under further review. After all this took place Bank of America did provide me with a new debit card, but after a week or so they proceeded to close my account. As of today XX/XX/XXXX my account still remains closed and the {$640.00} dollars that were stolen from my account have not been reimbursed. I have tried to contact them but after being a couple of hours on hold a representative normally answers and before I can finish saying hello they hang up. This account is being used by the state of Nevada to deposit unemployment funds ( the reason why I'm using it ), the unemployment devision has continued to deposit the funds to this closed account. Therefore I have no access to my funds during these hard times. As of today I still do not have an answer from Bank of America as to why my account was closed.

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: Navient Solutions, LLC.
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:
Navient is furnishing XXXX accounts on my consumer credit report that are being reported with another services. Therefore, Navient is reporting the same accounts twice and did not remove the reporting once sold to another servicer. Navient is direct violation of my consumer rights by furnishing inaccuracies on my consumer credit report according to the FCRA. There should be no Navient reporting accounts on my consumer credit report.

Company response to consumer: Closed with explanation