BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
* There is no balance *NO CONTRACT* because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.

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 2023-12-03
Company: Affirm Holdings, Inc
State: WI
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:
After I paid off my XXXX credit cards I checked XXXX on XX/XX/2023 to see how much my credit score went up as that was the only debt I had left to pay off. To my surprise, there was an unfamiliar account on my report from Affirm Inc . I looked up Affirm Inc on XXXX as I had no idea who or what that was. I found a customer service phone number and when I called it they confirmed that an account for {$700.00} was opened under my name and that there is currently a {$500.00} balance remaining. They also informed me that it was for a purchase made on XXXX I went to XXXX and it's not even a valid website as the domain is for sale. I have no clue who opened this account and did not authorize it. I'm assuming identity theft & fraud has occured so I froze my social security number AND credit, put a fraud alert on my credit, reported it to identitytheft.gov, filed a police report, filed a dispute with XXXX which they did not fix the issue and filed a complaint for fraud with Affirm Inc . I have gotten the run around with Affirm Inc . They told me someone would contact me in XXXX business days to follow up and XXXX business days went by and nobody from Affirm Inc contacted me. I called again and they said their supervisor was handling it and would call me back in a few hours which they never did either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This has been disputed numerous times. I have not received any validation of the debt that I owe. No paper work showing my signature. The dispute was sent back in XXXX so it's well past the 45 day time for the response for the validation of this debt. It has also been over the 4 years so the statue of limitations has past to collect on this debt per the state of Texas debt guidelines. I would like this removed from my credit report. I also had a XXXXXXXX XXXX XXXX 2019 I have XXXX XXXX, a XXXX  and XXXX. I am XXXX now. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 a check was deposited into my account at an ATM. After my check was deposited, a 10 day hold was placed on the funds and it stated in my account the date my funds would be available. Before the date of the availability my account was locked, preventing me from accessing the money that was already in my account. When I called Chase to fix this issue they stated they would unlock my account after submitting a number to verify the check from the person whod written the check. When provided the number they stated they could not verify it in the system ; although the owner of the company had the phone number going on 5 years. Now they are saying the company has to cancel the check in order for access to my account. The check hasnt returned or anything. I just want access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
( Subject : ) XXXX XXXX XXXX XXXX XXXX XXXX am writing to express my concern regarding what I declare to be a violation of my privacy rights in connection with the handling of my credit information. After reviewing my credit report obtained from your agency, I have identified collection that raise serious concerns about the protection of my private information. I am requesting the original contract/agreement to verify you guys have the right to report this unverified & unauthorized information. The handling of my personal and financial information is governed by various privacy laws, and I trust that your agency is committed to upholding these standards. The unauthorized access or sharing of my credit information is not only a breach of trust but also a violation of my privacy rights. 

I am formally requesting an immediate and thorough investigation into these matters to determine the extent of the privacy breach and the parties involved. Additionally, I request that you provide me with a written response within 30 days, outlining the results of your investigation and the steps taken to address the privacy violations. 

Please take all necessary measures to rectify the situation, and I expect a detailed report on the corrective actions implemented to prevent such privacy breaches in the future. 

Thank you for your prompt attention to this matter. Safeguarding my privacy is of utmost importance, and I would appreciate your cooperation in resolving this issue.

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 2023-05-04
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Citibank account has not been accessible for the last XXXX weeks. 

I have attempted to resolve the issue with Citi directly, calling their internal number ( XXXX ) XXXX ( Option XXXX ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each call I was assured that access to my account would be restored within 48 hours but access to my account has yet to be restored. 

Furthermore, since my account statements are associated with my savings account, I am unable to view any digital records pertaining to the account. The existence of the account has even been removed from the digital dashboard. I still am in possession of the ATM card, deposits made into the account from external checking accounts, and account creation emails.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: OK
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:
There are several problems with XXXX 's reporting. This account is too old to be on my credit report, the payment history is incorrect, the history and account status is incorrect. XXXX investigated and correctly removed this account from my credit report, but XXXX and Equifax have failed to do so. They have not completed a timely, adequate, or proper investigation and have not appropriately provided me with results of their investigation. XXXX is incorrectly reporting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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: Credit inquiries on your report that you don't recognize

Complaint:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2021-08-07
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I reached out to Credit Collection service ( debt collectors ) and asking for prompt validation of the debt they are collecting and place on my credit, with going thru due process as referenced in Federal law 1692g. 

My first mailing was on XX/XX/21, i received no repsonse and now its been 30 days without proof of debt to CRS debt collectors.

Past the 14 day alloted.

I never once signed any binding contracts with CRS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Dear Sirs/Madame : My student loan payment should resume XX/XX/XXXX because I made advanced payments. I have logged into my EdFinancial account several times in XXXX and XX/XX/XXXX, to make the XX/XX/XXXX payment when I was notified. I paid XXXX. However, I have tried calling several times to inquire why I am being billed in XXXX, when I made advanced payments, which should have resumed my repayment schedule on XX/XX/XXXX. I have left messages for a call back and have not received a call back. I have sent internal messages through this website with no response. I entered a final message today XX/XX/XXXX on XXXX XXXX XXXXThankYou I would like to speak with an account manager regarding my student loan. 
Thank you,

Company response to consumer: Untimely response
Consumer complaint received 2022-07-23
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been receiving call from Citi Bank claiming my XXXX XXXX account is part due. I have received at last count XXXX calls. They always leave messages stating that my account is past due and to call then immediately. I did answer XXXX call and told them their information was incorrect and they hung up as I was speaking. I have blocked numbers XXXX ( XXXX and XXXX ). The calls have continued. I did contact XXXX XXXX and they said my card had been compromised and they canceled that card and are issuing me a new card. 
I don't know how to stop this.

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 2023-11-11
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023 I payed an amount of {$110.00}. The payement was being processed the last time I checked and now that I checked XXXX minutes ago, the amount disappeared. I have an email confirmation that I payed and the money was also taken from my bank account as proof it was payed. Others are experiencing the same issues as well. I dont want to have interest add up. I want to have my loans payed off within the next XXXX  months. I want new loan service owner or my loan forgiven if possible. I dont want to have more issues because this will affect me finances if it continues

Company response to consumer: Untimely response
Consumer complaint received 2023-03-10
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:
TO Whom it may concern : I recently received a copy of my ( XXXX, Equifax and XXXX ) credit report, and i noticed some late payments posted on my credit report : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I originally took out a Borrow and Grow loan for {$6000.00} with Seed Fi in XXXX where I received {$3000.00} immediately and would receive the other {$3000.00} once I paid the {$6000.00} loan back. In XX/XX/XXXX, I received a letter from Seed Fi saying they sold my loan to XXXX, a debt collection company. XXXX is charging us a fee to make payments. They have no XXXX fee payment options. Additionally, they do not know the balance of my loan when I call. They do not show my savings account portion of my loan on their website. The website says I am 9 days late and have been charged {$130.00} in late fees in less than 30 days of them having my loan. We received a letter that stated auto pay would transfer over from Seed Fi to XXXX and it did not. Their website, XXXX does not look legitimate at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to Upgrade 3 times asking why have they not update my balances. I have XXXX active accounts with them and they are the only ones who have not updates since XXXX. My balances are significantly lower and im in the process of the first step of home buying its causing my score to drop, it makes it look closed because they do not provide usage and the balance owed is way up. For instance XXXX upgrade card limit is XXXX I paid them down to XXXX my report it shows XXXX limit and my balance is XXXX meaning im way over my balance! With over the limit.on another upgrade card limit XXXX its says my balance is XXXX! My balance is XXXX. I have XXXX loans with them XXXX loan says XXXX and I owe XXXX and another loan shows XXXX and im down to XXXX. These things make me look bad and cause damage to my report and does not help me. I disputed it with upgrade several times they blame the credit reporting people. I complain to experien I pay them {$25.00} a month and the disputes leads me to the same place! No one is truly investigating or helping. I even uploaded my statements yet no resolution

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX allowed and conluding with the credit bureaus to report negative reporting on my credit reports

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 2022-07-23
Company: Experian Information Solutions Inc.
State: SC
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 XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company 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 2019-08-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
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:
On XXXX XXXX i went in person to ACE CASH EXPRESS located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX. I inquired what i need to take a loan out with them sense I've previously taken one out on 2017. The representative said i only need my most recent pay stub and a proper verification of checking account. Which i provided, and never did i sign a application. After all updates were complete the representative told me i qualify for XXXX, and at this point i still haven't signed anything. Then immediately received a email thru XXXX XXXX, that i have a new hard inquiry. I asked the representative if she ran my credit. Witch she confirmed she did. I never gave her a written nor verbal consent, to run my credit. She never asked verbally nor in written if she could run my credit. I called their customer care line, and spoke to one of the supervisor. She explained that they don't need to consent for running my credit, and that its part of there companys policies not to ask the borrower for a consent to running their credit. The only thing i signed stating that its ok for ACE CASH EXPRESS to report to the credit bureaus was the actual lending agreement, but the agreement was giving to me after they ran my credit. I decided to take the loan out sense the damage has been done. I don't feel its right for them to run my credit with no consent. They should start asking customers before doing so!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-07
Company: Experian Information Solutions 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 FOUND ACCOUNTS ON MY CREDIT REPORT THAT DID NOT BELONG TO ME

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 2022-07-23
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:
There are some hard inquiries on my credit report that I did NOT authorize. I am in distress with these fraudulent items on my report. Please have these unauthorized Inquiries removed from my credit report. Inquiries are listed below : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Please remove these from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The 3 Credit Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation