BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-13
Company: Thrift Investment Corp.
State: NJ
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 filed a dispute in regards to the incorrect Items on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I sent a electronic transfer to XXXX XXXXk I sent payment to the wrong account number. Once I realized it I called for a reversal. Ive waiting for Navy to send reversal and nothing has happened as of yet. 
I explained to navy Federal that of investigation process takes over 10 days which it has I should be provided provisional credit ( they said they couldnt ) I also informed them that under the EFTA it protects the consumer and Im only responsible for 50.00. Im still waiting for my funds to be refunding. After speaking to XXXX she states that she couldnt give me provisional credit I am aware under the EFTA ACT was passed by Congress in XXXX my XXXX XXXXr this act protects diners with electronic transfers. Navy Federal has not following this law. I have also submitted complaints with the FTC. CURRENCY COMPTROLLER. XXXX XXXX XXXX FDIC Please help Since Im here Ill mention that my credit card is not open ended and by law it should be please check into that too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX has used my credit improperly. After reviewing my credit, it was reported 2 late payments. One late payment was XX/XX/2022 and the other late payment was XX/XX/2022. In accordance with the Fair Housing Credit Reporting Act-XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A, States I have the right to privacy. 15 U.S.C 1681 Section 604A section 2, states consumer reporting agency can not furnish a account without my written instruction.

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 2023-01-03
Company: SoLo Funds Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I contaced solofunds and there banking platform XXXX  and there bank XXXX XXXX several times to revoke autorization of ach transfers from my bank account or debit card XXXX XXXX XXXX said i had to go through solofunds which i did on several occasions even got an attorney involved they told me i could not revoke which is totally false i can revoke at any time after a week of arguing with them through text and email because this is the only way to get ahold of them they still took XXXX XXXX from my account after i revoked i am preparing to take them to court this platform thinks they dont hve to follow the law clearly they told me i could not revoke they have no way to contact them except email and text i asked several times for there contact information and they refused to give it to me so i asked for there attorneys contact info same result nothing

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Security Credit Services, LLC
State: WA
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:
On XXXX I received my dispute results from experian report number XXXX. { see attached X-1 } I had disputed the account from Security credit services account number XXXX for a major violation of the fair credit reporting act for re-aging the debt. Security credit services has validated the on record date of XX/XX/XXXX. XXXX  also allowed this to remain on the record without properly investigating it. On XXXX I received my dispute results from experian report number XXXX { see attached X-2 } I had disputed the account from security credit services account number XXXX for inaccurate info but the on record date Until XX/XX/XXXX. Security credit services has willfully made false statements to XXXX  about the age of the debt. XXXX  has failed to investigate properly on my behalf and is in violation of the Fair credit reporting act. the debt has been re-aged and must be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is one account on my credit report that does not belong to em I have tried reaching out to the bureaus as well as the funrisher and nothing is being done for this account. This is identity theft and I want this account off my credit report asap!!! 

XXXX XXXX XXXX - Account # XXXX XXXX {$15000.00} OPened XX/XX/2017 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 2021-06-29
Company: EQUIFAX, INC.
State: GA
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 XX/XX/21, XX/XX/21, XX/XX/21, I sent letters to the credit bureaus about inaccurate information being reported on my credit profile and till this day over 90 days later I have not received any type of response from the bureaus. The bureaus are ignoring me and taking advantage of me. To my knowledge there is a code Section 611 ( a ) that states that a failure to investigate these items within 30 days give a reason to immediately remove the items that I am disputing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: AAA Collections
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Questionable business practices. No statements and no receipt of payment. Excessive amount of interest and fees accessed. 
Attitude and a high level of insolence from the person that I dealt with. Never sent statements and recipient of the payment made. Excessive amount of charges and interest. 
In addition, when I called in for the receipt which they claim was sent on XX/XX/27 from XXXX XXXX to rapid city was not received by XXXX. They mockingly stated they arent responsible for the post office, to which I replied I wasnt claiming that but it only takes 2 bdays to get anything from XXXX XXXX. When I asked for a sup the person audibly laughed at me. I have acr recorder on my phone and have a copy of this conversation and the one I had with sup XXXX who proceeded to tell me received a receipt of payment is a courtesy. I informed her I have a legal right to documentation showing proof of payment she insisted I use my bank statement and I again informed her I shouldnt have to do that and that not everyone that needs the receipt will accept that as proof of payment. She gave me no inclination that she cared one bit about the attitude of her rep. She did state her director is XXXX XXXX. I would like this forwarded to XXXX XXXX. I think its unprofessional and ridiculous that we dont have a way to get a receipt either online or a screen shot at least emailed to us. This is egregious. 
Desired Outcome Fair and equitable treatment from business and complete clarity on the issues of the poor billing practices. I WANT A RECEIPT IMMEDIATELY AND A CALL FROM XXXX XXXX OR WHOEVER THE DIRECTOR IS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA regulations. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX never late INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine

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 2023-09-22
Company: SYNCHRONY FINANCIAL
State: VA
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: Was not notified of investigation status or results

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-06-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

On 05/29/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Colony Brands, Inc.
State: CA
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:
To whom this may concern : I am writing this complaint, because I have been trying to get a 30 day late payment off of my credit report. Ginny 's has been reporting a late payment on my account since XX/XX/XXXX. I have disputed this issue with the credit bureaus, XXXX XXXX and XXXX, it does not show up on XXXX. I have called and have spoke with several different representatives and have been told that this account can't be undated, corrected, or changed with them and was directed to the credit bureaus. And was told the same from XXXX and XXXX XXXX both say verified in the response. I spoke with someone on XX/XX/XXXX and asked to have the notes from that conversation to be sent so I could include those in this complaint. As of XX/XX/XXXX. That is the day I started this claim, I checked my XXXX account, and it is stated that my account with Ginny 's has been closed. It won't even show on my XXXX XXXX account. I called, and spoke with XXXX, asked about notes from the XX/XX/XXXX call, she said no call was on file for that date. Ask no call? Was told the last time it shows I called was in XXXX of XXXX, she also stated that my account was closed on XXXX of XXXX, and the last payment that they received was XX/XX/XXXX I asked several times are these dates accurate, and was told yes. I asked to speak with a supervisor ( XXXX ) which she told me I needed to call back and speak with someone in the credit dept since they were closed. I ask was the account open and active, she said yes. So I asked to place an order and was advised that their maybe a hard inquiry if I did, even though she said that my account was open and active. I find it very stressful, exhausting, and a bit frustrating at times to speak to so many different representatives and get different answers and reasons why my account is reporting late and nothing can be done. And now to look and my account is closed, so much more damage to my credit report, than that 30 day late now. Payment history, age of account, tradeline. It feels like retaliation to my calls and disputes. This claim is to get this issue corrected, and also to help anyone to avoid going through this situation. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: BAM Management US Holdings Inc.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Account 'frozen due to risk management ' since XXXX of 2020, have tried endlessly to contact them including providing documents upon documents that they requested from me until they just stopped responding via email. They have over {$500000.00} worth of my assets in the form of cryptocurrency on their platform and will not respond to anything. I have plenty of tickets and corresponding emails where they requested me for identification items that i submitted until they completely stopped responding to me. I opened a complaint before, but they said they requested documents ( i sent them everything they asked for, if they say otherwise, please request what is still outstanding, i have any and all information they could ever need. ) and that i didn't send them, and my cfpb ticket was closed unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
I have found reported collections on my credit report file at experian and the entry reads The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXXXXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX I have tried to explain them that they made a mistake mixing my account with someone else. and they insist that its mine. I asked for verification and validation of debt. i get nothing expect that the bureau by passes and violates my rights under FCRA FDCPA and e-oscar and metro2. They refuse to furnish any information or contract or anything that shows anything to do with me. I get nothing.. and Re-aged the Debt couple of times. with records availalbe to show while i was fighting they kept coming back with updated without any regards to what damage this done to my life. This should be first step of law suite . I assigned XXXX to handle the next proceeding.

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 2021-06-30
Company: Kehoe Financial Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was in XXXX for my honeymoon in XX/XX/XXXX. I rented a car from XXXX via XXXX from XX/XX/XXXX to XX/XX/XXXX in that same year XXXX XXXX ). I'm attaching that confirmation receipt. I don't recall receiving any traffic citations nor notices from XXXX during or after my trip. I now started receiving repeated phone calls and also received a written letter in the mail ( see attached ) from a group called Kehoe Financial Group. I spoke with them and they said they wan to " collect around {$500.00} '' but were willing to settle for " XXXX ''. I asked them what this was in regards to and they claim it is my trip in XXXX in XXXX. I told them I never received a notice from XXXX nor XXXX. They said they " didn't buy the debt but were collecting on behalf of the Municipality of XXXX ''. I asked they send me a document showing that if I paid that I would be " cleared ''. They didn't respond to that email and I continue to receive notices. I asked if this would damage my credit and they said " it might '' but they were underhanded and threatening. I tried looking this up online and there are many complaints of this being fraud and a scam. I don't know what to do and believe this is a fraudulent scheme given that Kehoe never showed me that if I paid this that I would be given a full release. Therefore, I'm reporting this as fraud given that I don't want my credit to be damaged if this is legitimate but I can't figure out a way to understand that payment of this would be legitimate for a citation that I may not have been made aware of. I also filed a complaint with XXXX XXXX a Car but they don't have a record of this reservation. It seems like they don't have records for their XXXX franchise dating back to XXXX when I rented a car from them. Lastly, please note that my name on the notice from the XXXX of XXXX ( attached ) is spelled incorrectly - it says " XXXX XXXX '' and my name is " XXXX XXXX ''. The collection agency changed my name to the correct spelling. This further leads me to believe this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: EQUIFAX, INC.
State: LA
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 sent Equifax several certified letters asking them to verify certain accounts on my credit report. After sending several letters equifax refuses to delete or verify those acounts. I sent certified letters XX/XX/2019, XX/XX/2019, and the latest letter was sent XX/XX/2019. To this day Equifax continues to report inaccurate information on my report causing me to suffer from bad credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Yesterday I saw my statement and noticed a charged that was around XXXX XXXX that I never knew about. I looked into it and found out it was a security charge fee I never signed up for or was told about the singing up for the card back in XX/XX/2018. I called and canceled today but they only gave me a partial refund. They refused to give me a refund for those months when they charged me the fee without me knowing. I notice and looked into this problem when I notice the balance of my card increasing even though I have been making payments. The bank that is connected to my XXXX card in synchrony bank. I have also heard my other complaints from people about the security charge they have been charged from synchrony bank and took awhile for them to know just like my situation.

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