BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: World Acceptance Corporation
State: SC
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:
This company is reporting two loans on my credit reports when in fact it should only be one loan. They are reporting the same loan twice because they transferred my loan to another location when one closed. This now looks as those I had two loans with them that charged off. They are violating my FCRA. I even spoke with an agent who verified the account reporting is for the same One loan. I have made several attempts for them to update my credit reports removing the one loan and to report accurate account information which they refuse to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Avant Credit Corporation
State: FM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an avant credit card and was APPROVED for {$1000.00} credit limit. My current XXXX score is XXXX, my salary is {$38000.00} and i submitted proof of address to verify my identity. There are no accounts in collections on my credit. My XXXX XXXX FICO is much higher than most of their applicants. My aunt was just approved for a {$500.00} card and she has a bankruptcy on her credit and her score is only XXXX. My uncle was approved for {$1000.00} as well and his XXXX XXXX FICO score is only XXXX. We all applied the same day and at the same time. 
After i sent in my proof of address, I called and spoke with an agent who confirmed my approval and stated he had to hang up and call me right back to verify my phone number. I waited but never got a phone call. Two minutes later, I received a retraction of my approval from XXXX stating adverse action. I called back and demanded to speak to a supervisor and was transferred to a XXXX, who claim she didnt have an operator ID. I explained to her the situation and she laughed, stating, " we never approved you for anything. '' HOW RUDE!!!! I have a screen shot below of my approval. It's valid because when my grandmother applied, she was instantly denied. So, i know there is nothing faulty with their approval system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please verify these accounts that are affecting my credit 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 explanation
Consumer complaint received 2018-10-17
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
J.P. MORGAN, CHASE BANK N.A. IS A FURNISHER TO XXXX XXXX XXXX XXXX ( XXXX ). XXXX IS A VENDOR OF CHASE AND CHASE IS A PART OWNER OF XXXX. XXXX IS A CREDIT REPORTING AGENCY FOR CHECKING ACCOUNTS. 

QUESTIONS THAT REMAIN UNANSWERED BY CHASE ACCOUNT WAS CLOSED ON OR ABOUT XX/XX/XXXX : WHAT WAS THE DATE THAT CHASE REPORTED TO XXXX? 

WHAT WAS THE REASON THAT YOU REPORTED TO XXXX, WHY? 

DID YOU PROVIDE TO ME ( CONSUMER ) A NOTICE OF ADVERSE ACTION TAKEN, BEFORE YOU REPORTED TO XXXX? 

IS CHASE BANK LEGALLY REQUIRED TO REPORT TO A CRA OR IS IT VOLUNTARY? 

CHASE HAS REPORTED TO XXXX A NEGATIVE ACCOUNT CLOSURE, WHAT WAS THE NEGATIVE REASON? 

WHY DID CHASE REPORT TO XXXX AS OPPOSED TO THE OTHER CRA 'S? 

CHASE REPORTS TO XXXX AT LEAST EVERY 30 DAYS, AND CHASE HAS BEEN REPORTING TO THE CRA XXXX FOR 10 MONTHS AS OF XX/XX/XXXX WHY? 

CHASE HAS IN PROMISED ( VIA SEVERAL LETTER ) TO REMOVE THIS REPORTING FROM XXXX, WHY HAS IT TAKEN 10 MONTHS AND COUNTING?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1200.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1500.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY 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 2018-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have written to all major credit reporting agencies ( Transunion, XXXX, XXXX ) requesting that they verify and validate the information on specific items in question. The purpose of the letters were for verification and accuracy due to discrepancies being reported. I have attached a copy of a few of the letters i sent via certified mail as proof of compliant and non compliance. 
I also requested that all of this was to be done following specific sections of the Fair Credit Reporting Act ( FCRA ) assuring that I provided as you can verify via my letters. All of the credit reporting agencies failed to provide a valid response to my request and responded with a blanket statement saying the account was verified. The following section ( s ) of the FCRA were blatantly ignored and are currently damaging my credit scores resulting in monetary and emotional distress. Section 609 ( a ) ( 2 ) & 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) have been blatantly ignored as all of these agencies have not provided a reasonable source of their method of investigation or verification. In all cases, they have used outside sources ( third party ) and not the direct creditor to verify, These shortcuts are blatant violations and as an end result should be deleted. The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617if they fail to comply with Federal Law, which they have. Additionally, I requested that all inquiries that are not current accounts be verified and if unable to provide reasonable verification be deleted.

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 2021-10-16
Company: Experian Information Solutions Inc.
State: AL
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 uploaded a identity theft police report to all 3 credit bureaus. And no action has been taken. I want all these fraudulent accounts open up in XXXX XXXX Nevada removed from my credit file. These are not my accounts!!! I uploaded 15 years of Alabama drivers license. I never lived in Nevada. Please remove XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NEW MEXICO XXXX  XXXX  From my credit file Asap!

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 2019-06-23
Company: U.S. BANCORP
State: CA
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:
USBANCORP Business cash Mastercard. XXXX  Making a payment is not possible using the USBANK website. The website displays credit limit less balance but balance is displayed as XXXX and due date is displayed as XX/XX/XXXX. Making a payment is not possible due to configuration of website and the information provided by website is inaccurate as the result.

Contact with usbank 24hr credit card phone center results in vague mentions of central billing with no specific answer on how to make a payment available. XXXX XXXX XXXX.

It's like being in comedy movie about USBANK credit card products. Really.

I was also told by usbank customer service that I must register the business card separately but the usbank website does not allow that stating that I am already registered.

I do believe that USBANK is breaking it's card member agreement.

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that Transunion, XXXX, and XXXX  have on file for particular accounts. 
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. 

I submitted a 30 demand to comply letter stating the 30 day time period for investigation has elapsed. Transunion, XXXX, and XXXX are in Default and the items requested must be removed immediately.

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 2021-10-16
Company: EQUIFAX, INC.
State: NV
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:
To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definiton of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ''. Notice congess said ANY card. The credit card is my social security card. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Sworn : XX/XX/2021 Signed : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: AZ
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 keep getting credit file confirmations that state the information [ wrong address ] was removed but it is still showing up on my credit report. I have requested that the information be removed over five times. It still shows up on my report. I never lived at that address. My Ex-husband lived their with his girlfriend.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2018 a XXXX  XXXX XXXX XXXX was purchased by me at XXXX  XXXX in XXXX MA. 
On XX/XX/2018 I read the entire purchase contract & realized that there was an item on the contract that I was not made aware of, or agreed to purchase. The item is XXXX XXXX & the amount is {$1100.00}. The whole amount is taxable. I expected that I could correct this oversite with the dealer so I attempted to do so on XX/XX/2018. I went to XXXX XXXX in XXXX MA to discuss this item with the sales manager who then transferred me to the finance consultant. After stating my position of " nondisclosure '' of the XXXX XXXX charge to my contract, the financial consultant admitted that he had " packaged '' the XXXX XXXX item along with an Extended Service Warranty in order to provide me a discount on the Extended Warranty. However, on XX/XX/18 he told me that the discount for the extended warranty was because I had an XXXX membership & he said nothing about " adding on '' the purchase of XXXX XXXX in order to discount the extended warranty. His parting words to me were, " you signed the contract ''. The company has made no attempt to correct this unscrupulous sales practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: AZ
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 had 2 credit cards with XXXX XXXX  that charged off. I settled the balance with XXXX XXXX  this summer XX/XX/2020and was told the balance would be deleted from my credit reports. Despite frequent phone calls to XXXX XXXX  where they have assured me they will correct the balance they have failed to do so. Last month they even reported an increase in the balance! This is ruining my credit score that Im working very hard on to improve. It is illegal that despite multiple requests to all 3 credit bureaus they continue to reply that the balance has been validated. I have the pay off documents that show the accounts have a XXXX  balance but I dont understand how the credit reporting agencies keep saying its verified ... how can the balance be verified if its truly a XXXX  balance but they are reporting balances on both accounts?

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 2018-11-10
Company: Reliant Capital Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This complaint involves Reliant Capital Soutions LLC and  the company 's mishandling of consumer information ; rights in which are protected under privacy laws. I've been repeatedly contacted by Reliant Capital Solutions to whom I've never done business with and every phone encounter they providing misleading information regarding the nature of the call. This complaint has been generated due to Reliant employee mishandling my social security number without ever verifying who I was. 

When contacted by their employee XXXX I advised that I've never done business with Reliant. Instead of providing me with insight that she was calling from a 3rd party she insisted that I give her my social security number ; her request was refused. She persisted in a threaten tone she that she had the social. I proceeded to hang the phone up. Within a week or so later XXXX calls back XX/XX/2018 XXXX from phone number ( XXXX ) XXXX. Again I advised XXXX that I've never done business with Reliant, she then spats out my social security number over the phone without any verification of my true identity. I immediately hung up and called back to speak with her supervisor. What the Reliant employee did was negligent and very inappropriate. I spoke to the supervisor at Reliant and I was advised of the nature of why they were calling and that they are a 3rd party for the Department of Education. I then advise that I personally call Department of Education to seek a resolution and gather the real facts about the alleged debt. 

I would like to see Reliant implement see some regulations for data security protection.It is my hope that Reliant uses more ethical tactics when handling sensitive information in the future.It is Reliant obligation to safeguard consumers information in which they failed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I searched XXXX on XX/XX/2018 at approximately XXXX for tickets to see XXXX XXXX perform at the XXXX XXXX XXXX XXXX in XXXX XXXX, MD the following night. I responded to an ad and begin texting with " XXXX XXXX '' of phone number XXXX and email address XXXX. I was texting the phone number and I sent a test email to her email address, so they both were active as listed at the time. I agreed to buy the tickets advertised and asked to see a ticket purchase confirmation, which she provided via screenshot. I wanted to pay via XXXX, but she convinced me to use a service called XXXX, which I had never heard of. I researched it, it is a legitimate service, and it was offered by my bank, Navy Federal Credit Union, which made me feel safe. I figured the transfer must be bank to bank, so the receiver of the funds should be traceable by name and social sec number like my account is at my bank. I transferred {$500.00} dollars for four tickets to " her husband '' ( XXXX ), but after the transfer, the email accounts and the cell phone number were both taken out of service. I never received the tickets or any further communication. 

I filed a fraud complain with Navy Federal Credit Union, but they rejected it since I agreed to complete the transfer. That is, it was not an unauthorized withdrawal ( theft from my account without my knowledge or authorization ). 

Since the money went from my bank account to some other bank account via XXXX ( through Navy Federal ), I would think the receiving bank would have some evidence of who opened that account and with what ID / soc. sec. number. 

I would appreciate your help. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Resurgent Capital Services L.P.
State: SC
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:
They are reporting an account on my credit reports that is too old to be reporting. The FCRA states that negative items are to be removed from credit reports at 7 years from the date of first delinquency. They bought this debt for pennies on the dollar and do not have accurate information.

Company response to consumer: Closed with explanation