BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: Atlanticus Services Corporation
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/XXXX I received an alert from XXXX that a new account had been added to my credit report. I did not apply for any new account and was baffled as we are currently building a house and we cant apply for credit right now. XXXXFortiva applied and placed a {$1000.00} credit card on my account without my permission. Ive never had a card with either company and have not used this service sine XXXX. I put in a dispute with XXXX as I dont apply to the card and suspected fraud. I called the company and asked why did they add an account I didnt apply for. He could not give me a reason but stated a card was in the mail. I never applied for the card and asked that it be removed from my record and not just closed off my credit report like I closed it because I never applied for it. I told them this had to be illegal because I did not give permission. I just dont want them to do this to anyone else. If I would have wanted a card from them I would have applied two years ago when I use their service. Please help. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: QC HOLDINGS INC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive phone calls from lendnation multiple times a day everyday. For example XX/XX/2023 three calls, XX/XX/XXXX four calls, XX/XX/2023 four calls XX/XX/XXXX six calls XX/XX/XXXX five calls XX/XX/XXXX three calls XX/XX/XXXX three calls XX/XX/XXXX four calls, XX/XX/XXXX three calls, there are many more and I have them all documented. These calls go back XX/XX/2023. These calls are excessive. And these calls need to stop.

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 2023-07-20
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Money was taken from my account amounting to XXXX on XX/XX/2023 When I noticed I filed a dispute with CHIME BANK ON XX/XX/2023 Which they denied my claim. They said to submit a police report I submitted one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
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:
Portfolio Recovery Associates LLC Violations of my rights as a furnisher. 
Collection agency reported the debt with an incorrect date of last activity on your credit reports. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. I will use all the CFPB for evidence in legal matters. Removed from all consumer reporting agencies and monetary relief. Violations 15 U.S. Code 1681s2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

First Acct # XXXX Date of last active XXXX has XX/XX/2025, XXXX has XX/XX/2025 and XXXX has XX/XX/2025. 

Second Acct # XXXX date of last active as XXXX has XX/XX/2025, XXXX has XX/XX/2025, and XXXX has XX/XX/2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: AXOS FINANCIAL, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an account with Axos Bank and transferred {$10000.00} into the account. I immediately realized their online interface was not functional -- simple things like Bill Pay did not work. I immediately decided to transfer the funds back out and close the account. I submitted the paperwork for a wire transfer on XXXX XXXX, 2022. Multiple messages and phone calls with Axos followed as they nitpicked the transfer, asking for a wet signature and for me to remove my title of " Owner. '' Then, they sent me an email stating my account had been closed and the transfer declined, and refusing any further explanation. I contacted XXXX, the bank I had requested the transfer be sent to. XXXX said there was no trace of a transfer being initiated. I have since called Axos dozens of times and been given no answer as to if/when my money will be transfer. One agent told me that the transfer had been sent back to the bank account where I had initially drawn the funds to open my Axos account. I did not put this bank on the request form, so if this happened it is a major breach of security. I called this bank ( XXXX XXXX XXXX ) and they had no record of a transfer being sent to them. I keep calling and emailing Axos and I am continually rerouted to other agents and told someone will call me back. No one does. At this point they've effectively stolen XXXX  from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Paramount GR Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Paid for services/goods by XXXX XXXX and did not recieve all contracted services/goods and they filed for bankruptcy. 

I am filing this complaint against goodleap ( finance company ) as they provided hundreds of loans to XXXX XXXX  that were deemed fraudulent by deceptive sales practices and failing to provide services and goods ( source : XXXX XXXX XXXX  XXXX XXXX I completed purchase in XXXX of 2022. I contacted goodleap and they did not provide any remedies and just stated I need to pay my bill as they have nothing to do with who they financed ( 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 2022-02-01
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On the date of XX/XX/2022 I sent a letter regarding misleading inaccurate and unknown things on my credit report to this day well over soon to be 45 days later I have not received a response yet. I feel like Im being taken advantage of over looked and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately it has been over the lawful time soon to 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXDate of Inquiry XX/XX/2021

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 2018-04-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a loan for XXXX  in XX/XX/XXXX. I made payments of XXXX in XX/XX/XXXX andXX/XX/XXXX and paid off loan in XX/XX/XXXX for a total of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a credit card I did not request. I called the company to advise that I didn't request a card and did not want it. I was told by the representative that he was sending me an email verifying the closure of the account and removal from my credit history. I received a text message asking how the representative did his job. I responded with that was not what I wanted I requested verification of the account closure and removal from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Moss Law Firm, P.C.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Violating 15 USC 1692e, sent validation of debt letter to original company. Per the " XXXX Parts to a Lawful Contract '' this debt was never accurately validated as mine. All I received is statement of account, presumptions and assumptions and threat of a civil lawsuit. I specifically asked to see a valid contract with both parties signatures and didn't receive. I have given more than enough time since I sent my first attempt at verification months ago. If there is no valid contract then how can you attempt to sue on a presumption? I have spent many awake and sleepless hours of my time on this matter and I should receive compensation for my time and postage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Experian Information Solutions 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:
Dear Sir/Madam, I have submitted many complaints/disputes with Credit bureaus. 
had waited for 30 or more than 30 days No outcome received. 
all the time they just had sent me the Generic Response, that " We have investigated the issue & charge on your account is correct '' there is no supporting documents. 

My questions is different, their answer is different. 

Since, i am in litigation, & my request was to remove those account from my account till the Honorable Court Decide the issue. 

I already had made this request to the Credit bureau several times, but 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 explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: CA
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:
It is incomprehensible to me how my PLEAS FOR JUSTICE AND ASSISTANCE IN THE FACE OF IDENTITY THEFT HAVE BEEN REPEATEDLY MET WITH A SEEMINGLY CALLOUS DISREGARD FOR MY PLIGHT. The nonchalant DISMISSAL OF MY CLAIMS HAS LEFT ME BOTH ASTOUNDED AND DEEPLY TROUBLED. Deep-seated emotions that words alone can not fully convey - emotions encompassing annoyance, distress, anger, and profound sadness. These emotions have been triggered by the persistent denials of my legitimate identity theft claim by your bureau. It is imperative that you take swift and decisive action to address this matter within the legally mandated timeframes. Failure to do so will only exacerbate my frustration, distress, anger, and sadness. XXXX XXXX XXXX XXXX. Please DELETE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: FIRST NATIONAL BANK OF OMAHA
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an online savings account at XXXX on XX/XX/2023. My account has been restricted and frozen since I opened it and transferred money into it. Ive asked multiple time when this will be resolved and why it happened. The only response is that it is being looked at for fraud and that there is nothing else they can do and they cant tell me when it will be resolved. I transferred over $ XXXX and now its stuck in limbo and I dont know what else to do. I cant transfer money, withdraw money, use debit card, etc.

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 2023-05-27
Company: EQUIFAX, INC.
State: NY
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:
Its bout one late payment happened last year the company never sent me a notice to my email or even at my mailing address, one morning I wake up and see my credit score dropped XXXX  points I immediately called them to resolve it and made the payment and then I thought I will get back the XXXX  points I lost, I never did, I called the company multiple times to resolve this issues, all they give me is running around its been months since Ive been dealing this problem Im losing money cant sleep Im stress out. Cant rent apartment cant get a loan its been nightmare.. any thing you guys can do to help Ill greatly appreciate it. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Synovus Bank
State: TX
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 AM A VICTIM OF IDENITY THEFT 15 US CODE 1681 C-2 A CONSUMER REPORTING AGENNCY SHALL XXXX THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM ALLEGED IDENITY THEFT, NOT LATER THAN 4 BUSINESS DAYS AFTER DATE OF RECIEPT.IT HAS BEEN 30 DAYS AND YOU ARE IN VIOLATION OF THIS LAW BECAUSE IAM A VICTIM OF IDENITY THEFT!! PLEASE DELETE THE FOLLOWING ACCOUNTS 1 ) FIRST PROGRESS CARD OPEN XX/XX/XXXX ACCT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ACCT XXXX THESE ACCOUNTS SHOULD NOT BE FURNISHED ON MY CONSUMER REPORT AS THEY ARE IN VIOLATION UNDER 15 US CODE 1681 B NO CONSENT IDENITY THEFT PLEASE REMOVE AS COSMER I AM DEMANDING DELETION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$88.00} ; XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: FL
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 wit the Fair Credit Reporting Act the following have violated my rights Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number:XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account NumberXXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account XXXX 15 U.S.C1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed.

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
To Whom it my concern, I am looking over my credit report and I noticed there was collections from XXXX XXXX XXXX for the amount of {$700.00}. I am also looking at the original creditor and this was all settled years ago. It had to do with glasses that I had purchased but returned for some odd reason it never came off my credit report when i had called them years ago XXXX XXXX agreed that this would be removed. I had thought it was due to there word. I have no dealings with XXXX  and I do not feel I owe them money under the fair credit reporting act. I never signed any documents with them and as for the original creditor I don't owe the money. Today is XX/XX/2022 this happened over 5 years ago and was all suppose to be fixed with 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