BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-25
Company: Thaxton Investment Corporation
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2018, I revived a call from Southern Finance ( XXXX XXXX   ) in XXXX, TN, stating that my lawyer spoke with them stating that Im not fully retained with my bankruptcy and they will continue to do phone calls as they see fit. They first called my place of employment, which is totally uncalled for. Secondly, they tried to get me to come in for an office visit, and thirdly, the manager there was EXTREMELY rude, balatant, and trying to threaten me into paying. Im currently in the process of paying my lawyer fees for the chapter XXXX bankruptcy, but they absolutely refuse to take no for an answer! My lawyer has stated to me to not pay them, to pay him instead. Which is what Ive been doing. The least they can do is cooperate with my wishes and stop using tactics to scare me into paying a debt that is not legally secured. Secondly, they need to stop harrassing me with phone calls and visits after Ive repeatedly told them to stop, because legally, if I tell them not to call me, theyre not supposed to. I just want this resolved and for anyone trying to better your situations, to be aware that these people are predators and will do anything to get your money and meet their quotas!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate these accounts ( A ). 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$7800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXXXXXX XXXX XXXX is reporting negative and harmful information to XXXX TRANSUNION XXXX as well as violating laws 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.

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 2022-03-30
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Credit acceptance calls me at least 5 times a day. I got into a bad accident in the state of Alabama. The car was totaled and was at a tow yard in AL. It was a hit and run accident. I live in NY so I had to pay {$1300.00} to get back to NY. The insurance company stayed I only had liability, which I am fighting them because I just got the car in XX/XX/2021. I had full coverage and GAP insurance. I am out of work on XXXX due to my injuries from the accident. I called credit acceptance and told them to go get the vehicle from the tow yard. They have the vehicle and keep calling me 5 times a day and sending letters in the mail. I am fighting the insurance company. And until my situation improves and I get back to work I can't do anything right now

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 2018-08-17
Company: AES/PHEAA
State: NY
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:
I have made payments from XX/XX/XXXX to XX/XX/XXXX under the Public Loan Forgiveness Program and my employment certification was accepted by XXXX from XX/XX/XXXX to XX/XX/XXXX. The qualifying payments should reflect 34, instead i was given credit for Qualifying payments of 13. When I requested for these payments to be reviewed in XX/XX/XXXX with XXXX 's PLSF team, i was told it will take 60-120 days to receive a result. However till today ( XX/XX/XXXX ) I have not received any resolution. I filed a complaint with Student Aid and they just forwarded the request to XXXX who are still giving me no relevant information. I have requested a letter that itemizes all the payments that were considered qualifying towards the PLSF program and the ones that were not categorized as satisfactory and why. In addition, i requested information as to what I can do to dispute these unsatisfactory payments as i was never informed that i was paying " ahead of schedule '' by having it debited from my checking account which was set up by XXXX itself. I was told that i can only file a complaint and because the payments are under review ( since XX/XX/XXXX ), there us not much they can do as XXXX PLSF team is backlogged. 

The Qualifying payments thus far from XX/XX/XXXX to XX/XX/XXXX has been for 13 payments only. The following monthly payments are under review and I would like help in getting the following months to be considered eligible/qualifying payments towards the 120 payments required to complete the PLSF program. 

Payments i would like resolution on were made on the following dates : payments made to XXXX XXXX and XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was involved in a business transaction With who I thought was a close family friend. I had a personal checking account with Chase Bank, and my friend brought me in to the bank and added me on to her account as an authorized user. 
Some weeks later I lost all access to my personal and business account. This was back in XX/XX/2022. I received a letter in the mail last week regarding a drastic amount of money was overdrawn in my personal account, and that I owe that amount. However I am a victim in this case. I have not had any access to this account since the incident happen. The amount is XXXX dollars. I obviously dont have that amount of money. Id just like to get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am current on my mortgage but the payment for XX/XX/XXXX I dont have the current amount. Im trying to get approved for a forbearance but they keep offering a loan modification, but cant qualify for that since my credit score is low. Ive asked them several times to assist me with a forbearance but not helpful at all. I dont want to default on my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate this account ( A ). 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: CITIBANK, N.A.
State: UT
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:
Macy 's is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt reporting. I immediately called and settled this debt with them. Prior to this, I had not received any notices, calls or emails regarding this debt. This violated my 30 day right to dispute under the FCRA and FDCPA. I ask that Macy 's please remove the tradeline from credit.

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 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I wanted to transfer a balance to my BOA credit card XXXX  using a balance transfer offer they sent me. It was for 11 months no interest with 3 % balance transfer fee. I called BOA to do the transfer and they said that if I opened a new BOA credit card XXXX, I could get 18 months no interest with 3 % balance transfer fee. I needed to make the transfer by XX/XX/XXXX. After opening XXXX, I learned that I had to wait 14 days before I could use it for bal. transfer, which would have been too late. I called BOA, but they said there was nothing they could do, so I told them I did not need the new XXXX because it was a higher interest rate than the 2 BOA credit cards I currently had. I told them to cancel XXXX, I would do the balance transfer on my XXXX. I went online and submitted my balance transfer using XXXX and checked on it a few days later. I found out that BOA canceled XXXX ( 18 % interest ) and kept open XXXX ( approx 21 % interest ). I called BOA customer service again and they heard the conversation where I said to cancel XXXX and keep open XXXX and said they would reinstate the card, so I could use it for the balance transfer before XX/XX/XXXX. It did not happen, so instead of getting 11 additional months to spread out paying for approx. {$3000.00}, I paid off the balance, but still believed that BOA was going to reinstate XXXX. I received a letter approx. XX/XX/XXXX from BOA ( dated XX/XX/XXXX ) saying " We're sorry- we can't reopen your credit card ending in 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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have been having repeated issues with incorrect name spellings and inaccurate home addresses reporting on my credit. I have called the bureaus many times, sent in letters to correct this information, with proof of identity, home address, as well as a police report ; that proves my identification ( license, social security card and children 's social security card ), was stolen years ago. 
My last attempt at contacting the bureaus was in early XXXX. I was assured that only the information, I provided with proof of identity and address, would remain on my report. I also added fraud alert and put a freeze on my reports. After printing my free annual reports, last month, I noticed several name spellings, along with an additional last name. 
There are also several listed addresses. After moving from my last address, three years ago. I contacted the bureaus to remove all old addresses. I was assured this was done. However, I am seeing addresses that I have not ever taken residence at, as well as addresses from 10plus years ago.

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 2022-12-30
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:
I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-30
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:
XXXX XXXX Dept of ED continues to report accounts to my Transunion credit profile. I have recently filed complaints against Transunion for allowing this and they have continued to ignore my findings and do investigations with the creditor, putting me at an unfair advantage. I have never allowed Transunion to report this account to my profile. My report never showed XXXX on it. Prove to the government that I signed off on a loan with XXXX with my black ink signature. This is a fraudulent account and the dates lie. They said that it was reported on my report in 2012 however I have provided you proof this account never was on my credit report prior to a month ago. I demand Transunion & XXXX delete this Fraudulent account from my credit report immediately. Pursuant to 15 USC 1681b, Permissible purposes of consumer reports I never gave you any written consent to report this account on my consumer report.

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 2019-10-11
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 am very concerned regarding the serious possibility that the Three Credit Bureaus did not conduct a reasonable re-investigation concerning my dispute dated XXXX, to determine if the disputed accounts are reporting accurate information. The bureaus verified XXXX XXXX XXXX, and XXXX XXXX are reporting correctly. 
How can this be ... ... .when reviewing the accounts on my credit reports # XXXX, XXXX XXXX XXXX and there are several inaccuracies. 
1. XXXX  XXXX XXXX and XXXX and XXXX accounts are reporting under the Other Accounts section which makes the collections accounts report as a trade line with an account history. 
2. Incorrect account type listed as Open. 
3. Incorrect Account status as Collection Account 4. Indicating closed in parentheses does not make it a closed account ... .there must be a closed date and something reported under the Activity Designator. 

According to the Metro 2 guidelines XXXX XXXX XXXX and XXXX and XXXX are Third Party Collection Agencies, whether it be Debt Purchaser, Factoring Companies, Debt Buyer or Attorney these accounts can only report certain information and should be reporting in the collection section of any credit report.

1. Debt Collectors are only allowed to to report 3 account type codes which are 48, 77, and OC. 
2. Also, Debt Collectors can only report the ACCOUNT STATUS codes of 93, 62 and DA

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 2023-01-17
Company: Netspend Corporation
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My NETSPEND card was hacked on XX/XX/2023 and I had over {$500.00} dollars left on my card after I paid some of my bills and when I went to get a sympathy card on that Friday, my card was declined. After contacting NETSPEND IMMEDIATELY I was told that a cash withdrawal was done on my card and I had the card in my possession. How does someone get your pin number to withdraw cash if it is not an inside job. No one has my pin number but ME. I don't have any living relatives, I am not married and I am XXXX years old. After they withdrew EVERY DOLLAR I had left to my name NETSPEND OVERDRAFTED MY CARD FOR MY TRANSACTIONS THAT I DID APPROVE. Now they insist that they will not be able to give me an update until XX/XX/2023. I want my money back. I was left penniless after this happened and of course NETSPEND does not seem to care. I BEGGED THEM TO GIVE ME MY MONEY BACK AND THEY STILL REFUSED.

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