BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-04
Company: FISERV INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My stimulus check was sent on a card and was sent to an old address someone got the card and activated it and withdrew all of the money off of the card. When I learned about this I disputed it as fraud and filed a police report sent all of this information in and they didn't investigate it they just denied my dispute stating inconsistent conflicting information! I've asked plenty of times for the information they used in reaching the denial and yet they haven't sent me anything as of yet and per law I am to be provided that if asked for and if nothing was used to reach the denial how was a denial reached with the police report and all I still have all of my paperwork that was sent and turned in including the police report and will forward it to you if needed. The company name is money network I don't know why my stimulus check was sent via card when my bank account number was on my tax paperwork and everything should've been deposited in my bank account to stop fraud yet it never was a check was mailed the first time for the stimulus check and was stolen and cashed without my consent I didn't cash it this is the second time this has happened and I'm tired of it im out of {$2700.00} and I've been appealing my decision and still nothing showing why it was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ok so my servicer is navient. I got a letter from XXXX XXXX XXXX stating that they mailed me an authorization form ( flat out LIE ) and that I never sent it back to them so they are canceling my payment arrangements. Now I see that Navient wants to charge me XXXX a month for this loan. When I was approved for the IDR why wasnt this third loan included and why didnt the third one pop up until later?? I cant afford XXXX dollars per month and I can see why there is a lawsuit against the company. XXXX XXXX XXXX is a bunch of incompetent XXXX. I called them about their XXXX letter and the guy acted like he had no clue what I was talking about.

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 2023-11-10
Company: EQUIFAX, INC.
State: OH
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX, Equifax is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2018-08-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
1. I pay 12.5 % interest rate, {$1300.00} going to interest and only {$77.00} to Principal by SPS inc. or Select Portfolio Servicing inc. TOO MUCH!!! TOO MUCH!!! 
2. Not able to refinance from out of ADJUSTABLE RATE mortgage through SPS inc. or ever for over 15 years of trying and mostly paying on time shows greed and abuse in industry over all in USA!! 
3. Minority abuse by SPS inc. should also be examined!! 
4. PURE GREED by SPS against us public servants and our kids, consumers period!! 
5. the payments made so far to SPS were not reported to credit bureau !! 
I am a laid off minority  person here in Texas and adjusting to making much less money. My wife is a public school XXXX. We continuously tried to refinance but were always denied. Even when i was working steady and paid ontime for 2 years straight ( XXXX ) we could still not get a refinance. The XXXX XX/XX/2018 payment is XXXX XXXX/mth and we have been turned down from Modification twice so far by SPS  and are currently under a 3rd review. Please help us to keep our home. Ideally, We want a refinance asap or a modification that is reported to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was e-mailed a promotion on approximately XX/XX/23 from Applecard that said, " sign up for an Applecard, spend {$1000.00} within 90 days, and then receive {$150.00}. '' I signed up for their card through the e-mail they sent to me around XX/XX/23. I was immediately approved that night through their e-mail link. A couple days later I got another e-mail stating my physical card was on its way. 
I received the Applecard and spent the required {$1000.00} within 60 days. I then expected to see the {$150.00} cash back offer credited to my account after I paid off my bill. When it was not, I e-mailed them and then called Goldman Sachs. First they told me they would take care of the problem in two days, then 14 days, each time nothing was resolved. 
Now the latest is they want me to reproduce the original e-mail that they sent to me before they will credit my {$150.00}. 
Nowhere I was told that I needed to save this original e-mail and that I would be required to reproduce it as proof for my credit. My Apple e-mails automatically delete in my account after 30 days and this request makes absolutely no sense to me at all? I heard about the offer and applied for the credit card through their e-mail in the first place. I deleted it because I was already approved for the card. 
The only e-mail I could come up with is the one they sent me a couple of days saying my physical card was on its way. 
I have contacted Applecard several times and it has gotten more frustrating each time. I have talked to multiple managers who truly understand my situation, but have done nothing solve the problem. The people at Applecard clearly know the dates this promotion was going on and that I held up my end of the agreement within the required time frame. 
I have contacted my State Attorney General Office, who passed it to the Federal Reserve Consumer Help, who have recommended that I contact you. 
I really hope no one else is dealing with Applecard 's fraudulent and deceptive practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: NC
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:
Experian is reporting various of inaccurate addresses on my credit report And names that are in no association with me Ive tried to dispute them with no success

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 2021-12-21
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: NAVY FEDERAL CREDIT UNION
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:
under Fcra company has 4 days to remove inaccurate items. Items are inaccurate and fraudulent and are against privacy law violations. Illegal reporting of charge off by XXXX XXXX. And illegal reporting of charge off credit by rent debt collections XXXX. Privacy law violations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXXXXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-09-11
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I bought a prepaid Vanilla gift card from XXXX store for {$500.00}. 
When I was inside the XXXX I opened the card and immediately see the 4 digit out of 16 digit of the card is missing and thus can not be read. 
While I was still inside XXXX I called the the Vanilla gift card customer service and informed them of the card issue. 
They asked me to send them my personal documents which has a proof of my address as well as my driver liscence and a picture of the card with missing numbers and the receipt where I purchased the card. 
I already email all my documents which they asked for to their designated email over 2 weeks ago.

However, I have not heard anything back from them and never sent me a replacement card at the address I provided them. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Had the XXXX Home improver card since 2017, I have never had a late payment I have paid over {$1300.00} to them for a card with {$2000.00} limit and it shows i have only paid it down {$200.00} dollars. I cant identify how they are stealing from me they have masked it well please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is actively pursuing this a debt in violation of the FDCPA ( while an investigation is in progress ). This account is showing as derogatory information on my credit reports. Moreover, the date the account was opened has been re-aged ( XX/XX/2016 ) ; there is also a discrepancy in the amount ( {$840.00} ). Finally, XXXX XXXX is fraudulently misrepresenting themselves to be the " assignee '' of SYNCHRONY BANK, when in fact they are just debt buyers.

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 2023-05-18
Company: Experian Information Solutions Inc.
State: MS
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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2021-12-04
Company: I.C. System, Inc.
State: NC
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:
A collection reporting on my consumer report is inaccurate and the incorrectly reported item does not get deleted. I have never had the account alleged, and would like all documents furnished that the alleger of debt has on account in the name of the alleged debtor. I do not agree the current decision of alleged ownership of the debt account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2022 at XXXX a debt collection company emailed my mother regarding a very old credit card account. My mother is not and never has been affiliated in any way with this account. The email disclosed the bank name as XXXX  XXXX XXXX XXXX XXXX account ) and a debt amount of {$2300.00}, for which the collection agency was seeking recovery. Additionally the email named a CACH , LLC as the current creditor - even though I have no relationship to or knowledge of CACH , LLC. Again, I want to restate that my mother has never been authorized for communication regarding this very old credit card account ( in fact the email address she uses wasnt even in existence when this account was originally opened ). 

Further more, the account in question is no longer collectible as the statute of limitations for the agreement governing this account has elapsed. I no longer owe the balance state ( which I am unable to verify ) ; it is no longer collectible and ceased to be collectible SEVERAL years ago. 

None of this information was provided to me - rather it was sent to my mothers email address ( again, which I have never used or authorized for any communication ). I am not currently a minor, nor was I at the time the account in question was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: GA
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 with the Fair Credit Reporting act, XXXX account # XXXX, XXXX XXXX account # 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 instructionsI

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 2023-01-02
Company: Bread Financial Holdings, Inc.
State: CA
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 with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$19000.00} ; 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

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 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Once again refetence letter XXXX XX/XX/2021 ... Once again I receive a letter concerning my identity. After hundreds of reports and tens of dozens of these letters demonstrating their ineptness they claim they need to identify me. This company is the poorest of a very poor lot. No wonder why. Missing information, incorrect information and after providing my name, address and pertinent data they still can not locate me in their file. Opinion- That's assuming they can maintain files. They claim the complaint was ineligible... really. I guess you the CFPB have an issue or they do not comprehend English. Also CFPB does not allow SS LAST 4 ( XXXX ) The following form fields are incomplete or have errors : Social security number ( Credit reporting company )

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