BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-27
Company: Justice Finance Company
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out an installment loan with Justice Finance. I made my payments and had no problems for a long time. I even would refinance my loan from time to time. If i got a little behind I always called and they worked with me. The 2 girls in the office were always really nice and willing to work with me. I fell behind due to medical issues with my husband. I began getting calls from them pretty much daily and then they starting calling my job. I send a note to the office as well as spoke to them and let them know that I was not to receive any calls at my job due to our rules at work. I then started to get 2 to 3 calls per day which is a violation. I was essentially ignoring the calls since there was really nothing I could do about the account. The last straw was on XX/XX/2018 when I received a call from a new girl in the office XXXX. Instead of calling me from the office line she called me from her personal cell number and I answered. She was beyond rude. She proceeded to tell me that this was my loan and I needed to take care of it and that I had no excuse not to take their calls or call them back that I get breaks at work. 
ON XX/XX/2018 I sent a letter straight to the office as well as their corporate office as an intent to sue for the violations. I have recordings of the call. I did finally receive a response back from them that they were sorry that were unable to come to a solution as to what I had asked for and I could contact them by mail and they were ceasing all collection activities. I have not sent any other correspondence to them as yet. 
I could file suit with my attorney but I was trying to give them the opportunity to make this right. I know being in the collection business that violations can be fined at {$1000.00} per violation and they had several. 
All I asked from them was that my loan show paid in full and reflect positive on my credit. My loan balance was under the {$1000.00} fine amount. I can hire my attorney and get much more I was just trying to give them the opportunity to make their mistakes right but nothing has been done to this day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 is XXXX 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 inquiries. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-28
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/23 I opened a Citi high yield savings account online. I was actually solicited to do so since I currently have 3 existing Citi Credit cards that I have had for years. I clicked on the link, opened the account via online application with no issues and even received a debit card and pin # in the mail for the account. I funded the account immediately electronically through my existing XXXX XXXX savings account. Everything was fine and all of the sudden I logged in and saw XXXX available balance when the day before I had an available balance. I called immediately and was read a script that my account has been closed and I could not be provided with an explanation over the phone. They informed me it would take 30-60 days to get my funds back via a mailed check to my address even though it took a matter of minutes for them to debit my XXXX XXXX account for these funds electronically. Now I am left here penniless. No money, no explanation. If there was a problem with opening the savings account or with my application for any reason, the application should not have been approved and the account should not have been opened. Please help me. This is unjust and unfair. I can not eat or sleep over this and I need help regaining my life savings. Thank you, 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 non-monetary relief
Consumer complaint received 2023-03-08
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-03-28
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a complaint with the Comenity Capital Bank, which services my XXXX credit card. On XX/XX/2021 I received a bill of {$33.00}. It was paid on that date, so it was not paid late. I paid the bill electronically through my account at XXXX XXXX. The following month I was notified that the bill was unpaid and had a late fee added to it. I contacted XXXX XXXX and received a document showing that XXXX XXXX had removed the money from my account. They then sent a check to Comenity Bank. I sent proof of this transaction to Comenity Bank, but they were unsatisfied. They requested a copy of the check that was sent by XXXX XXXX. XXXX XXXX did a skip tracing on the check and discovered that it was never cashed. They credited my account for {$33.00} and I sent a personal check to XXXX for that amount, which they received. At the present time Comenity Bank is charging me {$64.00} in late fees. I made the initial payment on time. XXXX XXXX sent the payment in. The payment was either lost in the mail or at Comeninty Bank. We will never know as the check was never found. I would like these late fees erased.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-18
Company: Dynamic Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debtor has previously been told that this is not a valid debt. It was previously listed on my credit report as " XXXX XXXX XXXX '' or " DRS ''. These are medical debts that have previously been removed from my report and marked as identity theft -- The original creditor, " XXXX XXXX XXXX XXXX XXXX '', was informed and subsequently removed the accounts from my report. However, the debt was sold ( again XXXX and now the new debt collection agency ( DRS ) listed the items on the credit report. When attempting to dispute the items Equifax correctly removed the debts, as did Transunion and Experian. In my dispute I CLEARLY asked for proof of debt as per section 609 of the Fair Credit Reporting Act-a creditor or collector must provide you with a copy of the original, signed consumer contract, sales agreement, or other initiating documentation XXXX financial responsibility agreement for medical bills ) once it is demanded by a consumer. Not only did XXXX not provide this documentation -- they put this information back on my credit report a second time. They are also still sending me collection letters. 

This is also a potential HIPAA violation. Providing requested documentation would be a direct HIPAA violation- as it would disclose medical diagnoses and test performed to whomever the actual owner is! This is NOT my debt. I have exhausted all means necessary to stop collections. The company still sends me letters and calls, even after it was removed from the credit reporting agencies and identify theft documentation was provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My student loans are incorrectly reporting late payments for each loan account listed on my report for the months of XX/XX/XXXX- XX/XX/XXXX. On XX/XX/XXXX the Federal Trade Commission issued an advisory opinion in which it renders a decision on the interpretation of Section 623 of the FCRA ; it states, A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. See attachment For further reference the FCRA section 623 ( a ) ( 2 ) states : ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation , or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive disputed this account with Experian for reporting several inaccuracies of payment history on my consumer report with them. Instead of removing and/or updating payment history, the original creditor XXXX XXXX XXXX XXXX XXXX XXXX account # : XXXX ) has just updated the alleged balanced owed. In accordance of U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Ive made positive payment history that has not reflected on this account from XXXX. This creditor has violated this law, fraudulently reported inaccuracies on my Experian consumer report, not taken the lawful steps to correct these inaccuracies, and has caused many headaches in my goals to repair my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: UNITED BANKSHARES, INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 I withdrew {$2300.00} dollars ( XXXX XXXX in a band, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ) from United Bank at the teller inside. I needed it for a XXXX however the portal at XXXX sold that the transaction amount was too high so I went back to the bank between XXXX and XXXX to deposit it in the ATM ( it takes up to XXXX bills ), I inserted the cash and then proceeded to split XXXX XXXX out and say that it could only deposit {$1800.00}. I cancelled the transaction hoping it would return the full amount. It didn't and now the ATM has {$300.00} of my deposit in it. It's after XXXX and the call center is 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 monetary relief
Consumer complaint received 2021-07-26
Company: National Credit Systems,Inc.
State: TX
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 have repeatedly in the past attempted to resolve this matter this account swiftly and amicably. I have sent National Credit Systems , INC several official correspondence, all of which they have ignored or vaguely responded to. The attached document shows my cease and desist letter I sent to NCS, under the FDCPA 15 USC 1692c ( c ) once they received these letters they are required to immediately cease all communications concerning this account via any medium. The suspension of all communication includes me the consumer and all consumer reporting agencies such as XXXX and XXXX As shown in the attachment below labelled " E '' and " EE '' NCS has continued to violate federal laws by continuing to communicate about this account through various mediums with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting and XXXX Acct # XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX, XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXXXXXX XXXX # XXXX, XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00}.

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 non-monetary relief
Consumer complaint received 2021-04-12
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Multiple hard credit inquiries that have negatively impacted credit scoring. Credit accounts fraudulently being opened. Lack of process or procedure to safeguard against future reoccurrence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: Resurgent Capital Services L.P.
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:
I received a loan from the company XX/XX/2020 during the pandemic when my family lost everything. I was not working and the company was advised that and I paid them in full ; more than the initial loan that they gave me. Upon paying the loan the company told me that they would mark my account paid in full with no late fees but instead marked me down as settled. I literally paid them way more then they first gave me. I had disputed before and still no resolution from them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep dissatisfaction and frustration regarding the persistent issues and multiple unsuccessful attempts to rectify the delayed opening of my account with Credit Bureaus. Despite my continuous efforts to resolve this matter, the issue remains unresolved, causing significant inconvenience and concern. 

I initiated the account opening process with your institution, and unfortunately, I have encountered repeated delays. I have diligently followed all required procedures, submitted the necessary documentation, and complied with your institution 's policies. However, the account remains unopened, and the lack of progress is causing undue stress. 

I have made numerous attempts to address this issue by contacting your customer service department, providing additional information as requested, and patiently awaiting a resolution. Regrettably, these efforts have not yielded the desired results, and the matter persists, impacting my financial plans and causing unnecessary frustration. 

Attached is a detailed record of my interactions with your institution, including reference numbers and specifics of each attempt made to resolve this issue. I urge you to review this information comprehensively and take immediate action to expedite the opening of my account. 

As a prospective customer seeking to establish a relationship with your institution, the current situation has fallen short of the expected standard of service. I understand that challenges may arise, but the repeated delays and lack of communication are unacceptable.

I request that you prioritize the resolution of this matter promptly and provide clear communication on the steps being taken to ensure the timely opening of my account. If my concerns are not addressed within the specified timeframe from the date of this letter, I may have no choice but to explore alternative banking options and escalate this matter to relevant regulatory authorities. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2021-07-26
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
3 accounts on my credit report that doesn't belong to me. I am respectfully requesting a deletion of these accounts. 

1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I had the chance to pull my credit report and review it because I always get alerts via email stating that I have derogatory information on my credit report. I have been a victim of identity theft and I certified that these accounts are not related to any transaction done by myself. I then reach out to the credit bureaus and they explain that because it's identity theft, I would need an FTC report with the listed fraudulent accounts. This has been affecting my credit for some time now. It wasn't until I was getting a house for my family that I noticed these accounts. Also, I am asking that this be removed within 15 days.

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