BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-07
Company: Figure Technologies, Inc
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I did not proceed with their process to borrow against the equity in my home and I simply want to report what they are doing because I was alarmed by it and feel their practices are inappropriate. They sent me a letter by mail with a code offering a line of credit against the equity in my house, containing valid information about the equity I do have.The online application process proceeds normally until they ask you to supply login information : Account logon ID and PASSWORD for any of the following : Your payday provider, i.e.  XXXX, or your checking account access, or your IRS account or your " asset : account ( presumably your investment portal ). 
I do not believe there should EVER be a reason to supply anyone with logon information to any account, and certainly not financially critical accounts such as they demand. I called them and asked if a PDF of my recent pay stub would work and they said no, I had to allow them to logon to my accounts. They then supplied some misinformation about how this only allowed them limited access. That is a lie. If I give them logon information, obviously they can do anything I can do when I logon, such as transfer money from my checking account to them, sell any assets from my retirement account, etc. 
I wanted to alert you to this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX report to my credit report that I wast past due in the month of XX/XX/XXXX and XX/XX/XXXX and they don't want change that and this is not true

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 2019-12-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
someone opened an account using my name i did not give permission for them to do 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 2022-09-22
Company: Experian Information Solutions Inc.
State: TN
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CHILDSUPPORT  XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX have 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 an 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 non-monetary relief
Consumer complaint received 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX and Transunion are not properly investigating dispute submitted by XXXX and XXXX XXXX when asked for the information they determine the validity of the credit items all they product was a letter stating that I owe a certain amount and not an itemized bill or even the initial contract with the 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
Consumer complaint received 2021-11-13
Company: TRANSWORLD SYSTEMS INC
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had issues with the billing on my account since earlier this year. See XXXX for the initial complaint. In XXXX, they sent me notice that I was past due ( reoccurring payment was in place ). I went in a paid the payment due and inquired as to why it wasn't deducted. They said not to worry, things were fine and the account was fixed. Then my account was debited for the payment on XXXX. According to their explanations, the reoccurring payment was taken out on the due date but didn't post to my account until XXXX. They said the past due notice was system generated and they had no way of not generating that. This caused my account to be double paid in the same month because of their errors. My bills don't show the total amount due or a breakdown of the charges per my loan documents. I get a bill now and it shows it is due for twice the amount because according to the UAS representatives, the lender is choosing to bill that way and they have no control over the fact that is shows two months at a time on one bill. They said only pay the amount due for the month but I do not get anything showing what that is. Even when I go online, there is a current amount due but it also shows a greater amount due as the outstanding balance to pay with the due date of the current month. When I get my statement, it shows the amount of interest that accrued for the month but the total amount due is much higher. There is no transparency in billing practices and when I contact UAS connect, they just blame the lender, Summit, and go no further to resolve the issues. The last message I sent, I requested contact information as to who I needed to speak with to resolve the issues with Summit and got no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been trying to obtain signed contracts for multiple accounts that have been opened using my personal information without my knowledge or consent. I am looking to press charges and I need this information to do so. I have been trying to get this documentation for months now and have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Towards the end of paying off this loan ( Last 3-4 momnths )... they started not taking payments form the account I authorized. I had never stopped the payments from coming out of account ending in XXXX. The reviews about this company say that they are notorious for this! 

XXXX XXXX notified of me of this .Asking if I needed help making monthly payments? XXXX never sent me any notice. XX/XX/2022. I paid off the amount of {$48.00} X 2 that was my balance. Then, tried to say I owed 13 dollars and some cents? These people keep trying to get money and it's unethical! They refused one of the payments from account ending in XXXX ... making me delinquent and adding fees! 

Now, the amount due has gone up. to over {$100.00} dollars! I am not paying that. I am only paying 48.37 ... and I want to be done with them! They need to also credit my payment history with XXXX as " Never delinquent '' and paid in full once they agree. I sent a complain to XXXX... they ( XXXX ) has not responded to them yet!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22
Company: Stern Recovery Services, 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: Account status incorrect

Complaint:
a Delinquency showed up on my credit repot a few days ago from Stern Recovery services for {$290.00} supposedly opened on XX/XX/2022. Prior to this my credit report had all good standing and I have no idea what or who stern recovery is. i have not missed any payments on any of my bills and have no idea what this being reported is.

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 2020-01-23
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
XXXX Agent says account is closed and I owe {$1500.00} despite Chase offering Gap Insurance. The credit bureau shows an open account with a balance of {$4800.00}. Requested original lease agreement and documents supporting adjustments to closed account. Agent says I should receive within 7-10 business days. 

XXXX - Requested original lease agreement. Agent says this can not be released. 

XXXX Insurance rendered decision of total loss and was prepared to settle. Insurance needed copy of original lease agreement. 

XXXX Requested copies of origination documents. Agent says they are not available to send. Escalated to the presidents office. Agent took statement and provided no remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
Company: Accurate Background
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2019 Accurate Background e-mailed me a Background report. The report was inaccurate, specially it listed a misdemeanor charge XXXX XXXX XXXX that does no belong to me. As of today, I have not received a correction to this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my wallet was stolen. I then saw a unauthorized transaction for {$940.00} dollars for a XXXX transaction. I saw the charge and immediately got in contact with the bank to dispute the charges. I called to find out whats going on a couple of weeks later and they closed the investigation and is refusing to get my money back. I am so upset with this bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: WI
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:
XXXX is reporting information on my credit report incorrectly and twice with two different account numbers for trade XXXX XXXX XXXX I have submitted disputes to no avail. As a result of the dispute the original creditor updated my account as paid as agreed, satisfactory account. XXXX changed it back to a negative account as well as listed it twice and again with 2 different account numbers. After becoming weary of trying to resolve this matter, I paid a collection agency - XXXX XXXX aka XXXX  to resolve the account. 

As proof of my claim, I am submitting excepts from 3 XXXX credit reports, Receipts from XXXX XXXX Thank you so much for any help you can give me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I contacted Barclays today to get a copy of the original card agreement that I signed. They told me that they do not have it and refused to provide it because it was sold to a collection agency.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: SC
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 complaint and this not being filed by a Credit Repair company. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 1. Account Name : US DEPT ED Account # XXXX 2. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # 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 2023-02-25
Company: Experian Information Solutions 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. 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, 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 2020-01-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX. I am a US Citizen and a resident of the state of Texas. I was advised by my local police department to send out this letter and to include specific fraudulent information appearing in my credit file. Please note that this information is inaccurate and appears on my credit file as a result of identity theft. The following information listed below is fraudulent and doesnt reflect any transactions made by me : Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX   XXXX / XXXX / XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX / XXXX XXXX XXXX   XXXX XX/XX/XXXXXXXX. XXXX / XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX # # XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Please delete and block this information from my credit report pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. With this letter, I have enclosed a copy of my credit report received from your company, a copy of my identity theft report, proof of identity, a utility bill, a police report and other additional documents to support my claim. 

Thanks for your understanding XXXX XXXX XXXX

Company response to consumer: Closed with explanation