BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had two XXXX XXXX from ECSI consolidated into a single consolidated loan with XXXX on XX/XX/2022. ECSI has repeatedly told me that they have not received payment despite the fact that I have sent them multiple documents showing otherwise. They are continuing to charge me interest and late fees and refuse to cancel the loans. I have contacted them various times and get that same response that they have not been paid by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Frontline Asset Strategies, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Frontline Asset continues to call various family members of mine trying to reach me regarding some debt that I do not owe. I have been a victim of identity theft. I have had to freeze credit bureaus, place fraud alerts on my credit, and the list goes on to protect my credit. I am not verify any information or giving them information about me that is fraudulent. I am needing them to close this account, cease calling family members and friends about an erroneous debt that I do not owe. I have already contacted an attorney about this matter as well to see what can be done. I am needing them to cease all communication efforts as well and again, close the account immediately. I am not providing a Drivers License or anything. I am attaching the police report showing fraudulent activity. That is it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: CITIBANK, N.A.
State: OR
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:
On XX/XX/2019, I was charged {$6900.00} by a company called XXXX XXXX in a village called XXXX on the island of XXXX. We were traveling in XXXX but were nowhere near this island. Citicard says that it was a point of sale transaction but this is impossible. I recieved nothing from this company and had no knowledge of this company until I saw it on my billing statement. I contacted Citicard and stated that this charge was not one I was familiar with. They looked into it and then said that because I did not state that it was fraudulent that there was nothing they could do. I should not have to pay this charge, I never made It. Citicard also states that their policy is that consumers will not be liable for fraudulent charges. Citicard cancelled my card and issued a new one. The card # on the next page is my new card # for this 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 monetary relief
Consumer complaint received 2019-04-05
Company: Checkr, Inc
State: CA
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:
a year ago about I emailed checkr and told them that my information was incorrect and 2 actually take my information off their site because I was involved in a murder case and I had to testify so I didn't want my information and my address and all my history on their website for anybody to find because my life could be in danger and they said okay they would take it off and I look now and a employer search their site and found information that I've never even seen before on there which is incorrect. So I want all my information and all my criminal history and my address and my phone number all that stuff to be taken down off of every public site there is because I feel that my life is in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter to XXXX regarding inaccurate items on my credit report. To this day over 60 days later I have not received a response yet. I haven't received a response from Equifax in over a month after asking for additional information supporting their investigation I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately. I insist these accounts be deleted immediately or I will file for litigation due to the unnecessary stress you caused me. My information was also impacted by several data breaches including the XXXX and Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Upgrade, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
My data was breached in XXXX and beginning of XX/XX/2021, by someone in XXXX. They got a hold of all my personal information including social security, drivers license that now is marked, checking account and savings account. They wiped my account cleaned and leaving me in negative. Plus, they took out a personal loan with Upgrade for {$7000.00}. They are aware of this situation as I reported to them immediately and gave them police records, Fraudulent identification papers. Now, they have ruin my credit and threatening me to pay them the money and trying to withdraw money from my new checking account, which I do not know how they got it. Reporting late now after several months 30 days past due. This account is not mine and now they want me to make payments. I never received money or have any loan with them. Just because my husband had a loan in the past with this company and was paid off. Doesnt mean that I have a loan with them. I call them every single day and leave messages no call backs. 
I been dealing with this issue since I found out in XXXX of 2021. We are in XXXX and no results, except for them now reporting to my credit and ruining my credit. 

Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: ALLY FINANCIAL INC.
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I do not have to answer 5 or more question to get access to my accounts at the bank I call at XXXX XXXX XXXX  EST on XX/XX/21 and the woman just keeped asking questions, would not tell how many question I have to ask. This is XXXX. 

When I talk with XXXX her supervisor he said really in not how many question you answer right or wrong it tone and a feeling. 

I will take all my money when is convient if I have to go through this XXXX to handle my accounts when I call. 

Pull the tapes and listen to the recording.

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 2018-05-15
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted this collection agency back in XX/XX/2018 regarding the validity of this account. According to my FCRA rights, the company has 30 days to verify debt or it must be deleted. I have never received validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: BBVA FINANCIAL CORPORATION
State: NY
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:
I gave my credit card information to a Travel agent on XX/XX/2020 to purchase airline ticket for my mother but he used my credit card to purchase a different airline ticket. I filed two claims with my credit card company but the claims were denied and I was given the option to get a voucher for future use. I called Delta to get the voucher and I was told that I can not get a voucher because I do not have a ticket. The ticket purchased using my credit card was not mine. The travel agent fraudulently used my credit card. I filed a police report and the number is XXXX. The police officer advised me to call the credit card company BBVA and XXXX to give them the police report number and to try to resolve the issue with them. I called XXXX who told me that since the ticket was not purchased directly through them, I have to go to the Travel agent and the credit card company. I have been calling the Travel Agent but he is ignoring my calls and not responding to me, I filed a complaint with XXXX  and with FTC against the Travel Agency. I called BBVA and they told me that I can not dispute the charges further and that I can only dispute a transaction once. I have not pay the credit card charges yet and I am not planning to pay because I did not receive any services for the charges. I am filing this complaint with you hoping that you will help me resolve this matter with BBVA credit card company who should pursue my dispute rights and process my refund for fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: NY
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, 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 reportsno consent is fraud. 

XXXX XXXX Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Perfection Collection
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notified the agency last year to inform them that this is not my debt. They can not provide me with a signature or copy of identification. The address used when purchasing merchandise was not mine in fact Ive never lived in that area. Im not familiar with the company in which the purchase was made. None of the information they had was accurate even my form of income was inaccurate. The debt owed to XXXX XXXX XXXX in the amount of {$2400.00} Is not my debt. Completely fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I XX/XX/, I purchased my first home through Guaranteed Rate. My payment was set up for escrow within my P & I payment. In XX/XX/XXXX, my loan got transferred to XXXX XXXX XXXX from Guaranteed Rate. Everything still seemed fine as mortgage transfers usually happen. In XX/XX/XXXX, I start to get letters from the XXXX XXXX XXXX XXXX office, advising that my taxes have been past due since XXXX. I tried to call XXXX for information as to why this was happening. XXXX kept giving me a running around as to taxes were paid. I called the tax accessor and they advised they never received escrow payment from any lender from the time I bought my home. The tax accessor has advised if I do not make a payment by XX/XX/XXXX, they can pursue legal action for foreclosure. I have contacted XXXX once again to confirm what actions they are taking. They advised that they sent out a check back in XXXX, but it bounced and returned. Not once did they try to confirm why or where this returned. They now have mentioned they sent an escrow check on XX/XX/XXXX to the tax accessor, but only covers the taxes for the year XXXX. When I spoke to XXXX, they advised that when they received the loan from Guaranteed Rate, they mentioned there was no escrow balance transferred to them from GR. They mentioned that maybe GR had paid out the full escrow balance to the taxes, but does not satisfy that comment. As XXXX County tax accessor has provided details that there has been no escrow payment in XXXX. I am beyond disappointed in both services as to how they're handling my escrow account. Had I known the irresponsibility of the mortgage services was this bad, I would not have set up escrow into my payment. Now my escrow has been reanalyzed and my payment has jumped from about XXXX to now XXXX due to the incompetence of these mortgage services. Neither XXXX nor Guaranteed Rate wants to speak to me directly to figure this mess out. I have done what I am supposed to as a borrower and make my payments on time. If neither, Guaranteed Rate or XXXX financial want take responsibility for their lack of service, I will be moving forward with prosecution. It just seems as both lenders would rather have my home foreclosed on than to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: BANK OF THE WEST
State: CO
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:
My bank of the west credit card was paid off and closed in XXXX 2020. Yet, I have still received late payment marks on my credit every month since. I called XXXX and they said the account had been closed as of XXXX 2020.

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 2022-08-10
Company: EQUIFAX, 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:
XXXX XXXX XXXX rules were broken due to a breach on your platform. Inquiries and certain accounts shouldn't be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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 went to bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.

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 2021-11-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a consumer of the United States and Rushmore LMS is a debt collector which is stating that I have alleged late payment, in which i paid on time. According to title 15 usc 1692 - congressional findings and declaration of purpose, they are in violation because reporting this to my consumer report has had a huge effect on my getting a job. Which is forcing me to have marital instability. I need them to update these alleged late payments and change them to on time payments within 5 days or I will pursue litigation. They also violated the FDCPA 15 usc 1692e - false or misleading representations- because they are false representing my character because they are accusing me of a alleged late payment and i paid it on time. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XX/XX/XXXX. Stating all the violations and harm, Rushmore LMS has committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: IN
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX FIN XXXX Balance : {$620.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CITIBANK, N.A.
State: MD
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information on CBNA. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the erroneous account reporting on my Credit Report : CBNA XXXX XXXX {$1900.00}

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 2017-12-12
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
To whom it may concern. 

I have a loan for {$650.00} with BigPicture Loans taken out XX/XX/XXXX. I have paid a total of eight payments at {$130.00} twice a week, which has total to {$1000.00} as of XX/XX/XXXX almost double of what the loan was for. What I was n't aware of was the high interest rate charge 475.2292 % yearly rate. I did n't get this information until I received the loan. I understand I did received the loan and I have been paying it, but at a rate like that. I will end up paying them almost 3000.00 dollars for XXXX dollar loan. I feel I have been mislead and taken advantage of because of this rate. I call to get a payoff and got the run around and was told the balance was still XXXX after the XXXX of payments already paid the actually pay off date is XX/XX/XXXX. I ask for manager and was told someone will get back to me. This company is totally taking advantage of the consumers with these outrages rates and terms. I will contact a lawyer and fight this all the way, but BigPicture loans have been paid enough plus interest.I believe BigPicture Loans are not even license to do business in state of Georgia. I will be writing my councilman and the better business bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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